<SEC-DOCUMENT>0000720672-25-000003.txt : 20250213
<SEC-HEADER>0000720672-25-000003.hdr.sgml : 20250213
<ACCEPTANCE-DATETIME>20250213153217
ACCESSION NUMBER:		0000720672-25-000003
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250213
DATE AS OF CHANGE:		20250213
EFFECTIVENESS DATE:		20250213

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			STIFEL FINANCIAL CORP
		CENTRAL INDEX KEY:			0000720672
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY BROKERS, DEALERS & FLOTATION COMPANIES [6211]
		ORGANIZATION NAME:           	02 Finance
		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:		25619788

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

	MAIL ADDRESS:	
		STREET 1:		ATTN: JAMES G. LASCHOBER
		STREET 2:		501 N. BROADWAY
		CITY:			ST. LOUIS
		STATE:			MO
		ZIP:			63102-2102
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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        <name>STIFEL FINANCIAL CORP</name>
        <address>
          <com:street1>ATTN: JAMES G. LASCHOBER</com:street1>
          <com:street2>501 N. BROADWAY</com:street2>
          <com:city>ST. LOUIS</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>63102-2102</com:zipCode>
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      <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>02-13-2025</signatureDate>
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<SEQUENCE>2
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         <nameOfIssuer>BROOKLINE BANCORP INC DEL</nameOfIssuer>
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         <nameOfIssuer>EVANS BANCORP INC</nameOfIssuer>
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             <None>274</None>
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             <None>268</None>
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             <None>407</None>
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             <None>790</None>
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         <value>6112</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>334</None>
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         <value>75899</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>225</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>8341</value>
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             <None>238</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>49065</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>133</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>11242</value>
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             <None>745</None>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1381</None>
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         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
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         <nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
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         <nameOfIssuer>FOUR CORNERS PPTY TR INC</nameOfIssuer>
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         <nameOfIssuer>FRANKLIN ELEC INC</nameOfIssuer>
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         <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
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             <None>3163</None>
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         <nameOfIssuer>FRONTIER COMMUNICATIONS PARE</nameOfIssuer>
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             <None>368</None>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>FULTON FINL CORP PA</nameOfIssuer>
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         <nameOfIssuer>FUTUREFUEL CORP</nameOfIssuer>
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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>175</None>
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             <None>2862</None>
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             <None>318</None>
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             <None>347</None>
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         <value>4570</value>
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             <None>219</None>
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         <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>372460105</cusip>
         <value>50557</value>
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             <None>433</None>
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         <nameOfIssuer>GERON CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>374163103</cusip>
         <value>949</value>
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             <None>268</None>
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         <nameOfIssuer>GETTY RLTY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>374297109</cusip>
         <value>162642</value>
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             <None>5398</None>
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         <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2531</None>
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         <nameOfIssuer>GLACIER BANCORP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37637Q105</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>7436</value>
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             <None>260</None>
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         <nameOfIssuer>INSIGHT ENTERPRISES INC</nameOfIssuer>
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         <nameOfIssuer>INSTALLED BLDG PRODS INC</nameOfIssuer>
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         <nameOfIssuer>INTERCONTINENTAL HOTELS GROU</nameOfIssuer>
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         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
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             <None>25</None>
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         <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
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         <cusip>459200101</cusip>
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             <None>3975</None>
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         <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
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             <None>2043</None>
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         <nameOfIssuer>INTERNATIONAL MNY EXPRESS IN</nameOfIssuer>
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         <value>875</value>
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             <None>42</None>
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         <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
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             <None>74</None>
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     <infoTable>
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             <None>22</None>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
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         <nameOfIssuer>ROBERT HALF INC.</nameOfIssuer>
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         <value>6761</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>342</None>
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             <None>6859</None>
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             <None>27</None>
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         <cusip>92206C664</cusip>
         <value>804</value>
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             <None>1420</None>
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         <cusip>922908736</cusip>
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             <None>2183</None>
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             <None>93</None>
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             <None>19</None>
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             <None>10003</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>8257</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>304</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>45721</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>166</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92346J108</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>59</None>
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         <value>1209</value>
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         <value>77318</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>192</None>
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         <value>7272</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>64</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92539P101</cusip>
         <value>936</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>166</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>925550105</cusip>
         <value>2717</value>
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             <sshPrnamt>269</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>269</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>6984</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>561</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>2658</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>91</None>
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     <infoTable>
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         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92645B103</cusip>
         <value>10932</value>
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             <sshPrnamt>167</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>167</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92686J106</cusip>
         <value>2294</value>
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             <sshPrnamt>57</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>57</None>
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         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>92719V100</cusip>
         <value>832</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>130</None>
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             <Sole>0</Sole>
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             <None>2494</None>
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         <nameOfIssuer>HELEN OF TROY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G4388N106</cusip>
         <value>2094</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>35</None>
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         <nameOfIssuer>ICHOR HOLDINGS</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4740B105</cusip>
         <value>1901</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>59</None>
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     <infoTable>
         <nameOfIssuer>INTERNATIONAL GAME TECHNOLOG</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G4863A108</cusip>
         <value>88</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>5</None>
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         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>244921</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3103</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>3103</None>
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         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>282786</value>
         <shrsOrPrnAmt>
             <sshPrnamt>675</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>675</None>
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         <nameOfIssuer>LUXFER HLDGS PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5698W116</cusip>
         <value>288</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>22</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>168069</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2104</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2104</None>
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         <nameOfIssuer>JOBY AVIATION INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>G65163100</cusip>
         <value>3780</value>
         <shrsOrPrnAmt>
             <sshPrnamt>465</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>465</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>
         <titleOfClass>ORD SHS A</titleOfClass>
         <cusip>G65431127</cusip>
         <value>1539</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>49</None>
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     <infoTable>
         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>13097</value>
         <shrsOrPrnAmt>
             <sshPrnamt>509</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>509</None>
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     <infoTable>
         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>8452</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>124</None>
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     <infoTable>
         <nameOfIssuer>ROYALTY PHARMA PLC</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G7709Q104</cusip>
         <value>5306</value>
         <shrsOrPrnAmt>
             <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>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>8631</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>100</None>
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     <infoTable>
         <nameOfIssuer>SEADRILL 2021 LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G7997W102</cusip>
         <value>1090</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>28</None>
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     <infoTable>
         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>5535</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>55</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PENGUIN SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8232Y101</cusip>
         <value>1785</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>93</None>
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     <infoTable>
         <nameOfIssuer>SMURFIT WESTROCK PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8267P108</cusip>
         <value>4632</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>86</None>
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     <infoTable>
         <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G87052109</cusip>
         <value>4432</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>31</None>
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     <infoTable>
         <nameOfIssuer>TECNOGLASS INC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G87264100</cusip>
         <value>1745</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>22</None>
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     <infoTable>
         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>67960</value>
         <shrsOrPrnAmt>
             <sshPrnamt>184</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>184</None>
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     <infoTable>
         <nameOfIssuer>TRONOX HOLDINGS PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G9087Q102</cusip>
         <value>262</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>26</None>
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     <infoTable>
         <nameOfIssuer>GOLAR LNG LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G9456A100</cusip>
         <value>216467</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>5115</None>
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     <infoTable>
         <nameOfIssuer>VALARIS LTD</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G9460G101</cusip>
         <value>885</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>20</None>
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     <infoTable>
         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>5325</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>17</None>
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     <infoTable>
         <nameOfIssuer>WNS HLDGS LTD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>G98196101</cusip>
         <value>2891</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>61</None>
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     <infoTable>
         <nameOfIssuer>XP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G98239109</cusip>
         <value>2595</value>
         <shrsOrPrnAmt>
             <sshPrnamt>219</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>219</None>
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     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>21902</value>
         <shrsOrPrnAmt>
             <sshPrnamt>258</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>258</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>BUNGE GLOBAL SA</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>H11356104</cusip>
         <value>3188</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>41</None>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>110520</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>400</None>
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     <infoTable>
         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>8869</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>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>45480</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1500</None>
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     <infoTable>
         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>5435</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>66</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TRANSOCEAN LTD</nameOfIssuer>
         <titleOfClass>REGISTERED SHS</titleOfClass>
         <cusip>H8817H100</cusip>
         <value>1388</value>
         <shrsOrPrnAmt>
             <sshPrnamt>370</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>370</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>100348</value>
         <shrsOrPrnAmt>
             <sshPrnamt>468</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>468</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>67554</value>
         <shrsOrPrnAmt>
             <sshPrnamt>151</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>151</None>
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     <infoTable>
         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>34353</value>
         <shrsOrPrnAmt>
             <sshPrnamt>184</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>184</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>27984</value>
         <shrsOrPrnAmt>
             <sshPrnamt>84</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>84</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ELBIT SYS LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M3760D101</cusip>
         <value>25290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>98</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GLOBAL E ONLINE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M5216V106</cusip>
         <value>7580</value>
         <shrsOrPrnAmt>
             <sshPrnamt>139</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>139</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ICL GROUP LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M53213100</cusip>
         <value>7968</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1613</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1613</None>
         </votingAuthority>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>310486</Sole>
             <Shared>0</Shared>
             <None>6111</None>
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     <infoTable>
         <nameOfIssuer>TRUMP MEDIA &amp; TECHNOLOGY GRO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25400Q105</cusip>
         <value>500320</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14672</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8725</Sole>
             <Shared>0</Shared>
             <None>5947</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIGITALBRIDGE GROUP INC</nameOfIssuer>
         <titleOfClass>CL A NEW</titleOfClass>
         <cusip>25401T603</cusip>
         <value>184180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16328</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16328</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIGITALOCEAN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25402D102</cusip>
         <value>850700</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24969</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24787</Sole>
             <Shared>0</Shared>
             <None>182</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DILLARDS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>254067101</cusip>
         <value>2215706</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5136</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5104</Sole>
             <Shared>0</Shared>
             <None>32</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQT MKT</titleOfClass>
         <cusip>25434V104</cusip>
         <value>1038651</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25652</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25652</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTL CORE EQT MK</titleOfClass>
         <cusip>25434V203</cusip>
         <value>1211625</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41494</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>41494</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>EMGR CRE EQT MNG</titleOfClass>
         <cusip>25434V302</cusip>
         <value>742961</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29285</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29118</Sole>
             <Shared>0</Shared>
             <None>167</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US EQUITY MARKET</titleOfClass>
         <cusip>25434V401</cusip>
         <value>1336523</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20965</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20965</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SMALL CAP ETF</titleOfClass>
         <cusip>25434V500</cusip>
         <value>9871915</value>
         <shrsOrPrnAmt>
             <sshPrnamt>151689</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>149891</Sole>
             <Shared>0</Shared>
             <None>1798</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US TARGETED VLU</titleOfClass>
         <cusip>25434V609</cusip>
         <value>4657463</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83677</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>83677</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>GLOBAL REAL EST</titleOfClass>
         <cusip>25434V658</cusip>
         <value>29882</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1170</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1170</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US LARGE CAP VAL</titleOfClass>
         <cusip>25434V666</cusip>
         <value>277717</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9248</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9248</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQUITY 2</titleOfClass>
         <cusip>25434V708</cusip>
         <value>6187425</value>
         <shrsOrPrnAmt>
             <sshPrnamt>178879</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>178879</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US MKTWIDE VALUE</titleOfClass>
         <cusip>25434V724</cusip>
         <value>16940348</value>
         <shrsOrPrnAmt>
             <sshPrnamt>413987</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>413987</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTL SMALL CAP V</titleOfClass>
         <cusip>25434V781</cusip>
         <value>3102818</value>
         <shrsOrPrnAmt>
             <sshPrnamt>116779</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>116779</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTL CORE EQUITY</titleOfClass>
         <cusip>25434V799</cusip>
         <value>1523176</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58935</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>58935</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTERNATNAL VAL</titleOfClass>
         <cusip>25434V807</cusip>
         <value>9040634</value>
         <shrsOrPrnAmt>
             <sshPrnamt>254806</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>189650</Sole>
             <Shared>0</Shared>
             <None>65156</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SMALL CAP VAL</titleOfClass>
         <cusip>25434V815</cusip>
         <value>27702</value>
         <shrsOrPrnAmt>
             <sshPrnamt>900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>900</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US HIGH PROFITAB</titleOfClass>
         <cusip>25434V831</cusip>
         <value>99072</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2932</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2932</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>NATL MUN BD ETF</titleOfClass>
         <cusip>25434V849</cusip>
         <value>524465</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10979</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10979</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>WORLD EX US CORE</titleOfClass>
         <cusip>25434V880</cusip>
         <value>1651212</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66421</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>66421</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DINE BRANDS GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254423106</cusip>
         <value>1104272</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36686</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1478</Sole>
             <Shared>0</Shared>
             <None>35208</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIODES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254543101</cusip>
         <value>203566</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3151</Sole>
             <Shared>0</Shared>
             <None>150</None>
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     <infoTable>
         <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
         <titleOfClass>DRX S&amp;P500BULL</titleOfClass>
         <cusip>25459W862</cusip>
         <value>371140</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2200</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
         <titleOfClass>NAS100 EQL WGT</titleOfClass>
         <cusip>25459Y207</cusip>
         <value>232637</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2591</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2319</Sole>
             <Shared>0</Shared>
             <None>272</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
         <titleOfClass>AUSPCE CMD STG</titleOfClass>
         <cusip>25460E307</cusip>
         <value>7028316</value>
         <shrsOrPrnAmt>
             <sshPrnamt>248175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>245126</Sole>
             <Shared>0</Shared>
             <None>3049</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254687106</cusip>
         <value>101266017</value>
         <shrsOrPrnAmt>
             <sshPrnamt>909381</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>857799</Sole>
             <Shared>0</Shared>
             <None>51582</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254709108</cusip>
         <value>7953264</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45910</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>42668</Sole>
             <Shared>0</Shared>
             <None>3242</None>
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     <infoTable>
         <nameOfIssuer>DR REDDYS LABS LTD</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>256135203</cusip>
         <value>365023</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23117</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23117</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DOCUSIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256163106</cusip>
         <value>7629905</value>
         <shrsOrPrnAmt>
             <sshPrnamt>84833</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>83049</Sole>
             <Shared>0</Shared>
             <None>1784</None>
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     <infoTable>
         <nameOfIssuer>DOLBY LABORATORIES INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>25659T107</cusip>
         <value>3310049</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42381</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>42152</Sole>
             <Shared>0</Shared>
             <None>229</None>
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     <infoTable>
         <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256677105</cusip>
         <value>3691446</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48673</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46709</Sole>
             <Shared>0</Shared>
             <None>1964</None>
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     <infoTable>
         <nameOfIssuer>DOLLAR TREE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256746108</cusip>
         <value>7328480</value>
         <shrsOrPrnAmt>
             <sshPrnamt>97791</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>97474</Sole>
             <Shared>0</Shared>
             <None>317</None>
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     <infoTable>
         <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25746U109</cusip>
         <value>21126192</value>
         <shrsOrPrnAmt>
             <sshPrnamt>392234</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>356286</Sole>
             <Shared>0</Shared>
             <None>35948</None>
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     <infoTable>
         <nameOfIssuer>DOMINOS PIZZA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25754A201</cusip>
         <value>8634389</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20569</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19475</Sole>
             <Shared>0</Shared>
             <None>1094</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>257651109</cusip>
         <value>12458175</value>
         <shrsOrPrnAmt>
             <sshPrnamt>184962</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>174993</Sole>
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             <None>9969</None>
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     <infoTable>
         <nameOfIssuer>DONEGAL GROUP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>257701201</cusip>
         <value>154700</value>
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         <nameOfIssuer>ETFIS SER TR I</nameOfIssuer>
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         <nameOfIssuer>EATON VANCE ENHANCED EQUITY</nameOfIssuer>
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         <nameOfIssuer>EATON VANCE MUN BD FD</nameOfIssuer>
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         <nameOfIssuer>EATON VANCE NEW YORK MUN BD</nameOfIssuer>
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         <nameOfIssuer>EATON VANCE CALIF MUN BD FD</nameOfIssuer>
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             <Sole>38940</Sole>
             <Shared>0</Shared>
             <None>783</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DJ INTERNT IDX</titleOfClass>
         <cusip>33733E302</cusip>
         <value>27854820</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114550</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>109284</Sole>
             <Shared>0</Shared>
             <None>5266</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAS CLNEDG GREEN</titleOfClass>
         <cusip>33733E500</cusip>
         <value>746711</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22008</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21523</Sole>
             <Shared>0</Shared>
             <None>485</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAT GAS ETF</titleOfClass>
         <cusip>33733E807</cusip>
         <value>74629</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3030</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3030</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>GROWTH STRENGTH</titleOfClass>
         <cusip>33733E823</cusip>
         <value>14421422</value>
         <shrsOrPrnAmt>
             <sshPrnamt>459281</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>458761</Sole>
             <Shared>0</Shared>
             <None>520</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX AEROSPACE</titleOfClass>
         <cusip>33733E831</cusip>
         <value>1824335</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59942</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51672</Sole>
             <Shared>0</Shared>
             <None>8270</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>LUNT US FACTOR</titleOfClass>
         <cusip>33733E872</cusip>
         <value>265505</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8060</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8060</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>1123073</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8127</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8127</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>809496</value>
         <shrsOrPrnAmt>
             <sshPrnamt>78212</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>67640</Sole>
             <Shared>0</Shared>
             <None>10572</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>17659388</value>
         <shrsOrPrnAmt>
             <sshPrnamt>141301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>136751</Sole>
             <Shared>0</Shared>
             <None>4550</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NASDAQ 100 TECH IND</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337345102</cusip>
         <value>9108755</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48378</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>45315</Sole>
             <Shared>0</Shared>
             <None>3063</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR S&amp;P REIT INDEX FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33734G108</cusip>
         <value>2599618</value>
         <shrsOrPrnAmt>
             <sshPrnamt>94980</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>93851</Sole>
             <Shared>0</Shared>
             <None>1129</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33734H106</cusip>
         <value>95145615</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2180239</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2117146</Sole>
             <Shared>0</Shared>
             <None>63093</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR LRGE CP CORE ALPHA</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734K109</cusip>
         <value>1293639</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12404</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9550</Sole>
             <Shared>0</Shared>
             <None>2854</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR DISCRE</titleOfClass>
         <cusip>33734X101</cusip>
         <value>8079549</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125011</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>117016</Sole>
             <Shared>0</Shared>
             <None>7995</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR STAPLE</titleOfClass>
         <cusip>33734X119</cusip>
         <value>4449740</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69462</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>67054</Sole>
             <Shared>0</Shared>
             <None>2408</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>ENERGY ALPHADX</titleOfClass>
         <cusip>33734X127</cusip>
         <value>1567844</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95951</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>95068</Sole>
             <Shared>0</Shared>
             <None>883</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>FINLS ALPHADEX</titleOfClass>
         <cusip>33734X135</cusip>
         <value>10586688</value>
         <shrsOrPrnAmt>
             <sshPrnamt>195573</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>189549</Sole>
             <Shared>0</Shared>
             <None>6024</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>HLTH CARE ALPH</titleOfClass>
         <cusip>33734X143</cusip>
         <value>2534596</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24339</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>22761</Sole>
             <Shared>0</Shared>
             <None>1578</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDLS PROD DUR</titleOfClass>
         <cusip>33734X150</cusip>
         <value>9614531</value>
         <shrsOrPrnAmt>
             <sshPrnamt>128519</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>120070</Sole>
             <Shared>0</Shared>
             <None>8449</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>MATERIALS ALPH</titleOfClass>
         <cusip>33734X168</cusip>
         <value>2523038</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44411</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>43399</Sole>
             <Shared>0</Shared>
             <None>1012</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>TECH ALPHADEX</titleOfClass>
         <cusip>33734X176</cusip>
         <value>10991216</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73987</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>72139</Sole>
             <Shared>0</Shared>
             <None>1848</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>UTILITIES ALPH</titleOfClass>
         <cusip>33734X184</cusip>
         <value>3525469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93198</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>92685</Sole>
             <Shared>0</Shared>
             <None>513</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CLOUD COMPUTING</titleOfClass>
         <cusip>33734X192</cusip>
         <value>6162043</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51728</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>49550</Sole>
             <Shared>0</Shared>
             <None>2178</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DJ GLBL DIVID</titleOfClass>
         <cusip>33734X200</cusip>
         <value>1777764</value>
         <shrsOrPrnAmt>
             <sshPrnamt>79936</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>75602</Sole>
             <Shared>0</Shared>
             <None>4334</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX NAT RE ETF</titleOfClass>
         <cusip>33734X838</cusip>
         <value>394691</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32820</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29027</Sole>
             <Shared>0</Shared>
             <None>3793</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ CYB ETF</titleOfClass>
         <cusip>33734X846</cusip>
         <value>29005307</value>
         <shrsOrPrnAmt>
             <sshPrnamt>457113</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>440053</Sole>
             <Shared>0</Shared>
             <None>17060</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR SML CP CORE ALPHA F</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734Y109</cusip>
         <value>4712422</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46628</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46313</Sole>
             <Shared>0</Shared>
             <None>315</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MID CAP CORE ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735B108</cusip>
         <value>9976099</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86209</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>53447</Sole>
             <Shared>0</Shared>
             <None>32762</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR LRG CP VL ALPHADEX</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735J101</cusip>
         <value>4405877</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57625</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>53992</Sole>
             <Shared>0</Shared>
             <None>3633</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TRUST LRGCP GWT ALPHAD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735K108</cusip>
         <value>4441831</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32118</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31929</Sole>
             <Shared>0</Shared>
             <None>189</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR STOXX EUROPEAN SELE</nameOfIssuer>
         <titleOfClass>COMMON SHS</titleOfClass>
         <cusip>33735T109</cusip>
         <value>360046</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31985</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31985</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>90235</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6097</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6097</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NASDAQ ABA CMNTY BK</nameOfIssuer>
         <titleOfClass>UT COM SHS ETF</titleOfClass>
         <cusip>33736Q104</cusip>
         <value>928540</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16716</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16716</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>15262050</value>
         <shrsOrPrnAmt>
             <sshPrnamt>127816</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>124875</Sole>
             <Shared>0</Shared>
             <None>2941</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EUROPE ALPHADEX</titleOfClass>
         <cusip>33737J117</cusip>
         <value>371220</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10365</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10365</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>JAPAN ALPHADEX</titleOfClass>
         <cusip>33737J158</cusip>
         <value>403944</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7815</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7815</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>3063701</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56653</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>56428</Sole>
             <Shared>0</Shared>
             <None>225</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EMERG MKT ALPH</titleOfClass>
         <cusip>33737J182</cusip>
         <value>962445</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43691</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>43404</Sole>
             <Shared>0</Shared>
             <None>287</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>SWITZLND ALPHA</titleOfClass>
         <cusip>33737J232</cusip>
         <value>432531</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6894</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6894</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EM SML CP ALPH</titleOfClass>
         <cusip>33737J307</cusip>
         <value>1606635</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42586</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>42293</Sole>
             <Shared>0</Shared>
             <None>293</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>INDIA NFTY50 EQW</titleOfClass>
         <cusip>33737J802</cusip>
         <value>895018</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15985</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15436</Sole>
             <Shared>0</Shared>
             <None>549</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX NEXTG ETF</titleOfClass>
         <cusip>33737K205</cusip>
         <value>2840230</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32908</Sole>
             <Shared>0</Shared>
             <None>393</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CP GR ALPH</titleOfClass>
         <cusip>33737M102</cusip>
         <value>2579440</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32243</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32179</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>2073349</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>37045</Sole>
             <Shared>0</Shared>
             <None>1702</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>SML CP GRW ALP</titleOfClass>
         <cusip>33737M300</cusip>
         <value>4036115</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52126</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>49637</Sole>
             <Shared>0</Shared>
             <None>2489</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>SML CAP VAL ALPH</titleOfClass>
         <cusip>33737M409</cusip>
         <value>653244</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11875</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11875</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>7254195</value>
         <shrsOrPrnAmt>
             <sshPrnamt>203482</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>202370</Sole>
             <Shared>0</Shared>
             <None>1112</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SENIOR LN FD</titleOfClass>
         <cusip>33738D309</cusip>
         <value>20143330</value>
         <shrsOrPrnAmt>
             <sshPrnamt>435627</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>432547</Sole>
             <Shared>0</Shared>
             <None>3080</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR TA HIYL</titleOfClass>
         <cusip>33738D408</cusip>
         <value>7194649</value>
         <shrsOrPrnAmt>
             <sshPrnamt>174083</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>172890</Sole>
             <Shared>0</Shared>
             <None>1193</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>LNG DUR OPRTUN</titleOfClass>
         <cusip>33738D606</cusip>
         <value>922423</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44262</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34801</Sole>
             <Shared>0</Shared>
             <None>9461</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>LIMITED DURATION</titleOfClass>
         <cusip>33738D804</cusip>
         <value>12681694</value>
         <shrsOrPrnAmt>
             <sshPrnamt>672058</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>667398</Sole>
             <Shared>0</Shared>
             <None>4660</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>FT VEST SMID</titleOfClass>
         <cusip>33738D820</cusip>
         <value>6515962</value>
         <shrsOrPrnAmt>
             <sshPrnamt>302857</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>301207</Sole>
             <Shared>0</Shared>
             <None>1650</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FT VEST RIS</titleOfClass>
         <cusip>33738D879</cusip>
         <value>35162058</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1450584</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1402801</Sole>
             <Shared>0</Shared>
             <None>47783</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>MULTI ASSET DI</titleOfClass>
         <cusip>33738R100</cusip>
         <value>960310</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59462</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>59462</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>19972878</value>
         <shrsOrPrnAmt>
             <sshPrnamt>254559</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>248143</Sole>
             <Shared>0</Shared>
             <None>6416</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>BUYWRIT INCM ETF</titleOfClass>
         <cusip>33738R308</cusip>
         <value>15787073</value>
         <shrsOrPrnAmt>
             <sshPrnamt>678435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>667127</Sole>
             <Shared>0</Shared>
             <None>11308</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ BUYWRITE</titleOfClass>
         <cusip>33738R407</cusip>
         <value>2000212</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96072</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>94180</Sole>
             <Shared>0</Shared>
             <None>1892</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
         <cusip>33738R506</cusip>
         <value>103267737</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1746146</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1684793</Sole>
             <Shared>0</Shared>
             <None>61353</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRT 5 ETF</titleOfClass>
         <cusip>33738R605</cusip>
         <value>21408483</value>
         <shrsOrPrnAmt>
             <sshPrnamt>362485</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>348838</Sole>
             <Shared>0</Shared>
             <None>13647</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>INTL DEV STRNGTH</titleOfClass>
         <cusip>33738R662</cusip>
         <value>924557</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27229</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27229</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>S&amp;P INTL DIVID</titleOfClass>
         <cusip>33738R688</cusip>
         <value>571804</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35123</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34965</Sole>
             <Shared>0</Shared>
             <None>158</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>RBA INDL ETF</titleOfClass>
         <cusip>33738R704</cusip>
         <value>12406542</value>
         <shrsOrPrnAmt>
             <sshPrnamt>161032</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>149678</Sole>
             <Shared>0</Shared>
             <None>11354</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ ARTFCIAL</titleOfClass>
         <cusip>33738R720</cusip>
         <value>2646759</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58764</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>56942</Sole>
             <Shared>0</Shared>
             <None>1822</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ SEMCNDTR</titleOfClass>
         <cusip>33738R811</cusip>
         <value>2931749</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33594</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31203</Sole>
             <Shared>0</Shared>
             <None>2391</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ OIL GAS</titleOfClass>
         <cusip>33738R845</cusip>
         <value>733055</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25498</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25498</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ BK ETF</titleOfClass>
         <cusip>33738R860</cusip>
         <value>958746</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30141</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30141</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRIGHT</titleOfClass>
         <cusip>33738R886</cusip>
         <value>681493</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35550</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>35550</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>36592236</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2067357</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2045586</Sole>
             <Shared>0</Shared>
             <None>21771</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MANAGD MUN ETF</titleOfClass>
         <cusip>33739N108</cusip>
         <value>16832200</value>
         <shrsOrPrnAmt>
             <sshPrnamt>329978</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>329978</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>1233284</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18740</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17190</Sole>
             <Shared>0</Shared>
             <None>1550</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MUNI HI INCM ETF</titleOfClass>
         <cusip>33739P301</cusip>
         <value>1246222</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25808</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>25808</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>SHRT DUR MNG MUN</titleOfClass>
         <cusip>33739P830</cusip>
         <value>4411081</value>
         <shrsOrPrnAmt>
             <sshPrnamt>222331</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>221081</Sole>
             <Shared>0</Shared>
             <None>1250</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>INSTL PFD SECS</titleOfClass>
         <cusip>33739P855</cusip>
         <value>6238376</value>
         <shrsOrPrnAmt>
             <sshPrnamt>333602</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>333194</Sole>
             <Shared>0</Shared>
             <None>408</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>28689133</value>
         <shrsOrPrnAmt>
             <sshPrnamt>589469</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>557630</Sole>
             <Shared>0</Shared>
             <None>31839</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR ENH NEW</titleOfClass>
         <cusip>33739Q408</cusip>
         <value>52011006</value>
         <shrsOrPrnAmt>
             <sshPrnamt>870186</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>848937</Sole>
             <Shared>0</Shared>
             <None>21249</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SSI STRG ETF</titleOfClass>
         <cusip>33739Q507</cusip>
         <value>280855</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7634</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7634</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FT VEST S&amp;P 500</titleOfClass>
         <cusip>33739Q705</cusip>
         <value>29769329</value>
         <shrsOrPrnAmt>
             <sshPrnamt>592906</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>583016</Sole>
             <Shared>0</Shared>
             <None>9890</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>ENERGY INM PARTN</titleOfClass>
         <cusip>33739Q804</cusip>
         <value>4550501</value>
         <shrsOrPrnAmt>
             <sshPrnamt>185659</sshPrnamt>
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         <votingAuthority>
             <Sole>185641</Sole>
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             <None>18</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>FT ENERGY INCOME</titleOfClass>
         <cusip>33740F276</cusip>
         <value>1396577</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71656</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>71656</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>ACTIVE GLOBAL</titleOfClass>
         <cusip>33740F383</cusip>
         <value>206435</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15417</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15254</Sole>
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             <None>163</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW OPPORTUNIS</titleOfClass>
         <cusip>33740F805</cusip>
         <value>40057538</value>
         <shrsOrPrnAmt>
             <sshPrnamt>932210</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>913331</Sole>
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             <None>18879</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>LOW DUR STRTGC</titleOfClass>
         <cusip>33740F870</cusip>
         <value>13128468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>699439</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>699439</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>TCW UNCONSTRAI</titleOfClass>
         <cusip>33740F888</cusip>
         <value>11331161</value>
         <shrsOrPrnAmt>
             <sshPrnamt>459680</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>454236</Sole>
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             <None>5444</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>ULTRA SHT DUR MU</titleOfClass>
         <cusip>33740J104</cusip>
         <value>2168640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>107946</sshPrnamt>
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             <Sole>107946</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR HIGH YIELD OPPRT 20</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33741Q107</cusip>
         <value>5232463</value>
         <shrsOrPrnAmt>
             <sshPrnamt>361359</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>340354</Sole>
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             <None>21005</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SMID RISNG ETF</titleOfClass>
         <cusip>33741X102</cusip>
         <value>90136403</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2514240</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2406257</Sole>
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             <None>107983</None>
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     <infoTable>
         <nameOfIssuer>FIRSTSERVICE CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33767E202</cusip>
         <value>3574656</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19748</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19204</Sole>
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             <None>544</None>
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     <infoTable>
         <nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33768G107</cusip>
         <value>455533</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4397</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>4397</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>35429685</value>
         <shrsOrPrnAmt>
             <sshPrnamt>172474</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>166581</Sole>
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             <None>5893</None>
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     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>6995447</value>
         <shrsOrPrnAmt>
             <sshPrnamt>175852</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>165685</Sole>
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             <None>10167</None>
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     <infoTable>
         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>30518</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>157</None>
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     <infoTable>
         <nameOfIssuer>FIVE9 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338307101</cusip>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>959</None>
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     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD SECS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338478100</cusip>
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             <None>10168</None>
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     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD INCO</nameOfIssuer>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>STOXX GLOBR INF</titleOfClass>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
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         <value>480888</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>QUALT DIVD IDX</titleOfClass>
         <cusip>33939L860</cusip>
         <value>92491</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
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         <cusip>33939L886</cusip>
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     <infoTable>
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         <titleOfClass>CL A</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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     <infoTable>
         <nameOfIssuer>FLOWERS FOODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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     <infoTable>
         <nameOfIssuer>FLUSHING FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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     <infoTable>
         <nameOfIssuer>FOMENTO ECONOMICO MEXICANO S</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>FOOT LOCKER INC</nameOfIssuer>
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         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>67070X101</cusip>
         <value>7027005</value>
         <shrsOrPrnAmt>
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             <None>2708</None>
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         <nameOfIssuer>NUVEEN REAL ESTATE INCOME FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071B108</cusip>
         <value>312979</value>
         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
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             <Sole>35666</Sole>
             <Shared>0</Shared>
             <None>600</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071L106</cusip>
         <value>4849493</value>
         <shrsOrPrnAmt>
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             <Shared>0</Shared>
             <None>11500</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN FLOATING RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072T108</cusip>
         <value>590488</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>24733</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67073B106</cusip>
         <value>4573967</value>
         <shrsOrPrnAmt>
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             <Shared>0</Shared>
             <None>57905</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN CR STRATEGIES INCOME</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67073D102</cusip>
         <value>1710731</value>
         <shrsOrPrnAmt>
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             <Shared>0</Shared>
             <None>65700</None>
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         <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67074C103</cusip>
         <value>216461</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14450</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>NUVEEN MULTI ASSET INCOME FU</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670750108</cusip>
         <value>672981</value>
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             <sshPrnamt>55896</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Shared>0</Shared>
             <None>1186</None>
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         <nameOfIssuer>NUVEEN PFD SECS &amp; INC OPPTY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67075A106</cusip>
         <value>860050</value>
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         <otherManager>1</otherManager>
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             <Shared>0</Shared>
             <None>4500</None>
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         <nameOfIssuer>NUVEEN DOW 30 DYNMC OVERWRT</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>67075F105</cusip>
         <value>788890</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52382</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>45055</Sole>
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             <None>7327</None>
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         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>7594434</value>
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             <sshPrnamt>169704</sshPrnamt>
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             <None>38441</None>
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         <nameOfIssuer>NUSCALE PWR CORP</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
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         <value>2750015</value>
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             <None>60200</None>
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         <nameOfIssuer>NUVEEN DYNAMIC MUN OPPORTUNI</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
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         <nameOfIssuer>NUVEEN CORE PLUS IMPACT FUND</nameOfIssuer>
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         <cusip>67080D103</cusip>
         <value>1654732</value>
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             <None>658</None>
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             <sshPrnamt>16893</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>NUVEEN VRIABL RAT PFD &amp; INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67080R102</cusip>
         <value>2593264</value>
         <shrsOrPrnAmt>
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             <None>20621</None>
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         <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
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         <nameOfIssuer>NUVEEN CHURCHILL DIRECT LEND</nameOfIssuer>
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         <cusip>67090S108</cusip>
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             <None>1472</None>
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         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
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         <value>594728</value>
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             <None>533</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>388957</value>
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             <None>863</None>
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         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG INTL</titleOfClass>
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         <value>525300</value>
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             <None>0</None>
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         <nameOfIssuer>NUVEEN PENNSYLVANIA QLT MUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670972108</cusip>
         <value>135457</value>
         <shrsOrPrnAmt>
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             <None>500</None>
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             <None>3178</None>
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         <nameOfIssuer>OAKTREE SPECIALTY LENDING CO</nameOfIssuer>
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         <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>RYDER SYS 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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         <nameOfIssuer>NEOS ETF TRUST</nameOfIssuer>
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         <nameOfIssuer>SL GREEN RLTY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>PORTFLI MSCI GBL</titleOfClass>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>GLB NAT RESRCE</titleOfClass>
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     <infoTable>
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         <titleOfClass>S&amp;P INTL ETF</titleOfClass>
         <cusip>78463X772</cusip>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <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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             <None>2027</None>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <titleOfClass>PORTFOLIO SH TSR</titleOfClass>
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         <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
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     <infoTable>
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         <nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer>
         <titleOfClass>SPDR SSGA US SCT</titleOfClass>
         <cusip>78470P408</cusip>
         <value>536589</value>
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         <otherManager>1</otherManager>
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             <Sole>2860080</Sole>
             <Shared>0</Shared>
             <None>109357</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RADIUS RECYCLING INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>806882106</cusip>
         <value>296762</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19498</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1300</Sole>
             <Shared>0</Shared>
             <None>18198</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHNEIDER NATIONAL INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>80689H102</cusip>
         <value>2948569</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100702</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>96964</Sole>
             <Shared>0</Shared>
             <None>3738</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHRODINGER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>80810D103</cusip>
         <value>335886</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17412</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17012</Sole>
             <Shared>0</Shared>
             <None>400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>27564009</value>
         <shrsOrPrnAmt>
             <sshPrnamt>372437</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>360535</Sole>
             <Shared>0</Shared>
             <None>11902</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US BRD MKT ETF</titleOfClass>
         <cusip>808524102</cusip>
         <value>14147009</value>
         <shrsOrPrnAmt>
             <sshPrnamt>623213</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>614484</Sole>
             <Shared>0</Shared>
             <None>8729</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LRG CAP ETF</titleOfClass>
         <cusip>808524201</cusip>
         <value>25326456</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1092600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1090664</Sole>
             <Shared>0</Shared>
             <None>1936</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LCAP GR ETF</titleOfClass>
         <cusip>808524300</cusip>
         <value>46464902</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1667184</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1654829</Sole>
             <Shared>0</Shared>
             <None>12355</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LCAP VA ETF</titleOfClass>
         <cusip>808524409</cusip>
         <value>1882634</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72214</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>70769</Sole>
             <Shared>0</Shared>
             <None>1445</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US MID-CAP ETF</titleOfClass>
         <cusip>808524508</cusip>
         <value>1706930</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61599</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>60819</Sole>
             <Shared>0</Shared>
             <None>780</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US SML CAP ETF</titleOfClass>
         <cusip>808524607</cusip>
         <value>4358859</value>
         <shrsOrPrnAmt>
             <sshPrnamt>168556</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>167793</Sole>
             <Shared>0</Shared>
             <None>763</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTERNL DIVID</titleOfClass>
         <cusip>808524672</cusip>
         <value>48508</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2098</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2098</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>5 10YR CORP BD</titleOfClass>
         <cusip>808524698</cusip>
         <value>4966294</value>
         <shrsOrPrnAmt>
             <sshPrnamt>225025</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>219614</Sole>
             <Shared>0</Shared>
             <None>5411</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
         <cusip>808524706</cusip>
         <value>4458967</value>
         <shrsOrPrnAmt>
             <sshPrnamt>167441</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>167441</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>FUNDAMENTAL EMER</titleOfClass>
         <cusip>808524730</cusip>
         <value>1545363</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53198</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>53125</Sole>
             <Shared>0</Shared>
             <None>73</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>FUNDAMENTAL INTL</titleOfClass>
         <cusip>808524755</cusip>
         <value>1125547</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33893</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>33518</Sole>
             <Shared>0</Shared>
             <None>375</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>FUNDAMENTAL US S</titleOfClass>
         <cusip>808524763</cusip>
         <value>362019</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7076</Sole>
             <Shared>0</Shared>
             <None>5112</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>FUNDAMENTAL US L</titleOfClass>
         <cusip>808524771</cusip>
         <value>1092052</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46117</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>43327</Sole>
             <Shared>0</Shared>
             <None>2790</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>FUNDAMENTAL US B</titleOfClass>
         <cusip>808524789</cusip>
         <value>339934</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14615</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1275</Sole>
             <Shared>0</Shared>
             <None>13340</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>46868355</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1715531</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1524573</Sole>
             <Shared>0</Shared>
             <None>190958</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>1001174</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54116</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>47344</Sole>
             <Shared>0</Shared>
             <None>6772</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US AGGREGATE B</titleOfClass>
         <cusip>808524839</cusip>
         <value>780507</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34385</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34385</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US REIT ETF</titleOfClass>
         <cusip>808524847</cusip>
         <value>238697</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11334</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11334</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>185201126</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7624564</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7384712</Sole>
             <Shared>0</Shared>
             <None>239852</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>138228493</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5745140</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5577674</Sole>
             <Shared>0</Shared>
             <None>167466</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>6649170</value>
         <shrsOrPrnAmt>
             <sshPrnamt>257412</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>255494</Sole>
             <Shared>0</Shared>
             <None>1918</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL SCEQT ETF</titleOfClass>
         <cusip>808524888</cusip>
         <value>356534</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10385</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9985</Sole>
             <Shared>0</Shared>
             <None>400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>14289064</value>
         <shrsOrPrnAmt>
             <sshPrnamt>215392</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>211461</Sole>
             <Shared>0</Shared>
             <None>3931</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>24411157</value>
         <shrsOrPrnAmt>
             <sshPrnamt>230076</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>226753</Sole>
             <Shared>0</Shared>
             <None>3323</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEACOAST BKG CORP FLA</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>811707801</cusip>
         <value>489568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17783</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17729</Sole>
             <Shared>0</Shared>
             <None>54</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEABRIDGE GOLD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>811916105</cusip>
         <value>1071451</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93905</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>93006</Sole>
             <Shared>0</Shared>
             <None>899</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>1751775</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51782</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>50690</Sole>
             <Shared>0</Shared>
             <None>1092</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED PARKS &amp; RESORTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81282V100</cusip>
         <value>441993</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7866</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7817</Sole>
             <Shared>0</Shared>
             <None>49</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>9359901</value>
         <shrsOrPrnAmt>
             <sshPrnamt>111224</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>109482</Sole>
             <Shared>0</Shared>
             <None>1742</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>94234264</value>
         <shrsOrPrnAmt>
             <sshPrnamt>684977</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>665657</Sole>
             <Shared>0</Shared>
             <None>19320</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>37282794</value>
         <shrsOrPrnAmt>
             <sshPrnamt>474276</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>444229</Sole>
             <Shared>0</Shared>
             <None>30047</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>51377669</value>
         <shrsOrPrnAmt>
             <sshPrnamt>229001</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>224464</Sole>
             <Shared>0</Shared>
             <None>4537</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>97449293</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1137595</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1107297</Sole>
             <Shared>0</Shared>
             <None>30298</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>91175368</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1886514</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1836713</Sole>
             <Shared>0</Shared>
             <None>49801</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>54423102</value>
         <shrsOrPrnAmt>
             <sshPrnamt>413037</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>401880</Sole>
             <Shared>0</Shared>
             <None>11157</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>149606091</value>
         <shrsOrPrnAmt>
             <sshPrnamt>643349</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>617759</Sole>
             <Shared>0</Shared>
             <None>25590</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>58869527</value>
         <shrsOrPrnAmt>
             <sshPrnamt>608076</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>596539</Sole>
             <Shared>0</Shared>
             <None>11537</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>9380070</value>
         <shrsOrPrnAmt>
             <sshPrnamt>230639</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>218958</Sole>
             <Shared>0</Shared>
             <None>11681</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>50942060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>673016</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>646799</Sole>
             <Shared>0</Shared>
             <None>26217</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>2515721</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26900</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMLER SCIENTIFIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81684M104</cusip>
         <value>2815452</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>52138</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMTECH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816850101</cusip>
         <value>302512</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4891</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4891</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>39552890</value>
         <shrsOrPrnAmt>
             <sshPrnamt>450896</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>442278</Sole>
             <Shared>0</Shared>
             <None>8618</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENDAS DISTRIBUIDORA S A</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>81689T104</cusip>
         <value>67159</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15023</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15023</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSEONICS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81727U105</cusip>
         <value>14838</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28320</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28316</Sole>
             <Shared>0</Shared>
             <None>4</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>81730H109</cusip>
         <value>6256000</value>
         <shrsOrPrnAmt>
             <sshPrnamt>281802</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>281670</Sole>
             <Shared>0</Shared>
             <None>132</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEQUANS COMMUNICATIONS S A</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>817323306</cusip>
         <value>518342</value>
         <shrsOrPrnAmt>
             <sshPrnamt>148522</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>140522</Sole>
             <Shared>0</Shared>
             <None>8000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERES THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81750R102</cusip>
         <value>16620</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>320947</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4021</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2926</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>31496</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8400</Sole>
             <Shared>0</Shared>
             <None>4000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>168135306</value>
         <shrsOrPrnAmt>
             <sshPrnamt>158603</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>152506</Sole>
             <Shared>0</Shared>
             <None>6097</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>3953378</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46653</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>46081</Sole>
             <Shared>0</Shared>
             <None>572</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHAKE SHACK INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>819047101</cusip>
         <value>295427</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2276</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2170</Sole>
             <Shared>0</Shared>
             <None>106</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>69097731</value>
         <shrsOrPrnAmt>
             <sshPrnamt>203233</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>198959</Sole>
             <Shared>0</Shared>
             <None>4274</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHIFT4 PMTS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82452J109</cusip>
         <value>5657879</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54518</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>54481</Sole>
             <Shared>0</Shared>
             <None>37</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHINHAN FINANCIAL GROUP CO L</nameOfIssuer>
         <titleOfClass>SPN ADR RESTRD</titleOfClass>
         <cusip>824596100</cusip>
         <value>819992</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24939</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23612</Sole>
             <Shared>0</Shared>
             <None>1327</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOE CARNIVAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824889109</cusip>
         <value>2504222</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75702</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>72833</Sole>
             <Shared>0</Shared>
             <None>2869</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>34272305</value>
         <shrsOrPrnAmt>
             <sshPrnamt>322319</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>319955</Sole>
             <Shared>0</Shared>
             <None>2364</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHORE BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825107105</cusip>
         <value>23839</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1504</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1504</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHUTTERSTOCK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825690100</cusip>
         <value>1603044</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52818</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>50407</Sole>
             <Shared>0</Shared>
             <None>2411</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIBANYE STILLWATER LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>82575P107</cusip>
         <value>551401</value>
         <shrsOrPrnAmt>
             <sshPrnamt>167088</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>167088</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILICON LABORATORIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>826919102</cusip>
         <value>7080226</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56997</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>55989</Sole>
             <Shared>0</Shared>
             <None>1008</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILGAN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>827048109</cusip>
         <value>193515</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3718</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3674</Sole>
             <Shared>0</Shared>
             <None>44</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILICON MOTION TECHNOLOGY CO</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>82706C108</cusip>
         <value>460987</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8529</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8412</Sole>
             <Shared>0</Shared>
             <None>117</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ARS PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82835W108</cusip>
         <value>144799</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13725</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12725</Sole>
             <Shared>0</Shared>
             <None>1000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILVERCREST METALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828363101</cusip>
         <value>102995</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11318</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10868</Sole>
             <Shared>0</Shared>
             <None>450</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>QXO INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>82846H405</cusip>
         <value>216446</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13613</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12963</Sole>
             <Shared>0</Shared>
             <None>650</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>43618049</value>
         <shrsOrPrnAmt>
             <sshPrnamt>253286</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>239617</Sole>
             <Shared>0</Shared>
             <None>13669</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPLY GOOD FOODS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82900L102</cusip>
         <value>858153</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22015</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19271</Sole>
             <Shared>0</Shared>
             <None>2744</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPSON MFG INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>13898240</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83807</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>78784</Sole>
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         <cusip>92189H730</cusip>
         <value>1692826</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49110</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>100</None>
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         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>RARE EARTH AND S</titleOfClass>
         <cusip>92189H805</cusip>
         <value>694416</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17801</sshPrnamt>
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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>175601724</value>
         <shrsOrPrnAmt>
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             <None>36762</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>48345638</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>48924</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>EXTENDED DUR</titleOfClass>
         <cusip>921910709</cusip>
         <value>1600472</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23634</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
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         <cusip>921910725</cusip>
         <value>242449</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4276</sshPrnamt>
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             <None>624</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
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         <cusip>921910733</cusip>
         <value>1229079</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11717</sshPrnamt>
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         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
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         <cusip>921910816</cusip>
         <value>67223058</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
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         <cusip>921910840</cusip>
         <value>35590171</value>
         <shrsOrPrnAmt>
             <sshPrnamt>284921</sshPrnamt>
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         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
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         <cusip>921910873</cusip>
         <value>1843524</value>
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         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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         <cusip>921932505</cusip>
         <value>7684270</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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         <cusip>921932703</cusip>
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             <sshPrnamt>33020</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>SMLCP 600 GRTH</titleOfClass>
         <cusip>921932794</cusip>
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         <shrsOrPrnAmt>
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         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
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         <cusip>921932869</cusip>
         <value>3461745</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30720</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>MIDCP 400 IDX</titleOfClass>
         <cusip>921932885</cusip>
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             <sshPrnamt>26032</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>VANGUARD WELLINGTON FD</nameOfIssuer>
         <titleOfClass>US MULTIFACTOR</titleOfClass>
         <cusip>921935607</cusip>
         <value>887814</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>VANGUARD WELLINGTON FD</nameOfIssuer>
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         <cusip>921935706</cusip>
         <value>1955691</value>
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     <infoTable>
         <nameOfIssuer>VANGUARD WELLINGTON FD</nameOfIssuer>
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         <cusip>921935870</cusip>
         <value>915384</value>
         <shrsOrPrnAmt>
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             <Sole>9131</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>LONG TERM BOND</titleOfClass>
         <cusip>921937793</cusip>
         <value>14348850</value>
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             <sshPrnamt>209687</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>23547148</value>
         <shrsOrPrnAmt>
             <sshPrnamt>315100</sshPrnamt>
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         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>9871</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>33648150</value>
         <shrsOrPrnAmt>
             <sshPrnamt>435465</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>19992466</value>
         <shrsOrPrnAmt>
             <sshPrnamt>278014</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
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             <None>119975</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>138323884</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1084122</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL HIGH ETF</titleOfClass>
         <cusip>921946794</cusip>
         <value>10459349</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL DVD ETF</titleOfClass>
         <cusip>921946810</cusip>
         <value>4345547</value>
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             <sshPrnamt>54326</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
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         <cusip>921946885</cusip>
         <value>603355</value>
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     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
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         <cusip>922020805</cusip>
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             <None>44857</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>VANGUARD ULTRA</titleOfClass>
         <cusip>92203C303</cusip>
         <value>14031739</value>
         <shrsOrPrnAmt>
             <sshPrnamt>282784</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
         <titleOfClass>TOTAL INT BD ETF</titleOfClass>
         <cusip>92203J407</cusip>
         <value>24908350</value>
         <shrsOrPrnAmt>
             <sshPrnamt>507814</sshPrnamt>
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             <Sole>498710</Sole>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
         <cusip>922042676</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>18777</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>10368</Sole>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE SMCAP ETF</titleOfClass>
         <cusip>922042718</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>47357</Sole>
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             <None>4751</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>TT WRLD ST ETF</titleOfClass>
         <cusip>922042742</cusip>
         <value>13453954</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114518</sshPrnamt>
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         <votingAuthority>
             <Sole>110008</Sole>
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             <None>4510</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>65336959</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1138074</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>908951</Sole>
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             <None>229123</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>142020088</value>
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         <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE</nameOfIssuer>
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         <nameOfIssuer>DLOCAL LTD</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>G35947202</cusip>
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         <cusip>G3643J108</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>G4705A100</cusip>
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         <cusip>G4740B105</cusip>
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         <cusip>G4863A108</cusip>
         <value>1088041</value>
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         <cusip>G48833118</cusip>
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         <cusip>G54950103</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>21850</value>
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         <value>21963</value>
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         <value>6591</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>008252108</cusip>
         <value>28108</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00846U101</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>AGREE RLTY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>008492100</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>06417N103</cusip>
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         <cusip>06738E204</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>067901108</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>071813109</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>075887109</cusip>
         <value>2797224</value>
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         <otherManager>3</otherManager>
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             <None>649</None>
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         <nameOfIssuer>BEIGENE LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>07725L102</cusip>
         <value>46549</value>
         <shrsOrPrnAmt>
             <sshPrnamt>252</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>BELDEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>077454106</cusip>
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             <sshPrnamt>28</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>BELLRING BRANDS INC</nameOfIssuer>
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         <cusip>07831C103</cusip>
         <value>254345</value>
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             <None>290</None>
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         <nameOfIssuer>BENTLEY SYS INC</nameOfIssuer>
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         <cusip>08265T208</cusip>
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             <sshPrnamt>7767</sshPrnamt>
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         <nameOfIssuer>BERKLEY W R CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>8110</sshPrnamt>
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         <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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         <cusip>084670108</cusip>
         <value>1361840</value>
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             <sshPrnamt>2</sshPrnamt>
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         <value>15014441</value>
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             <None>863</None>
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         <nameOfIssuer>BERRY GLOBAL GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>0</None>
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         <nameOfIssuer>BEST BUY INC</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>314</None>
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         <nameOfIssuer>BHP GROUP LTD</nameOfIssuer>
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         <cusip>088606108</cusip>
         <value>18653</value>
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             <sshPrnamt>382</sshPrnamt>
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         <otherManager>3</otherManager>
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             <Sole>382</Sole>
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             <None>0</None>
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         <nameOfIssuer>BIO RAD LABS INC</nameOfIssuer>
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         <value>18726</value>
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             <sshPrnamt>57</sshPrnamt>
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         <nameOfIssuer>BIOCRYST PHARMACEUTICALS INC</nameOfIssuer>
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         <nameOfIssuer>BIOMARIN PHARMACEUTICAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>1962</sshPrnamt>
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             <Sole>1962</Sole>
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         <nameOfIssuer>BIOLIFE SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>09062W204</cusip>
         <value>4284</value>
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             <sshPrnamt>165</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>09062X103</cusip>
         <value>67132</value>
         <shrsOrPrnAmt>
             <sshPrnamt>439</sshPrnamt>
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             <Sole>439</Sole>
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         <nameOfIssuer>BIO-TECHNE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>3962</value>
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             <sshPrnamt>55</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
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         <value>95</value>
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         <cusip>09249W101</cusip>
         <value>6098</value>
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         <nameOfIssuer>BLACKROCK ETF TRUST II</nameOfIssuer>
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         <nameOfIssuer>BLACKROCK MUNIYIELD QUALITY</nameOfIssuer>
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         <nameOfIssuer>BLACKROCK CORPOR HI YLD FD I</nameOfIssuer>
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         <cusip>09255P107</cusip>
         <value>853</value>
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         <value>30449</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BLACKROCK SCIENCE &amp; TECHNOLO</nameOfIssuer>
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         <nameOfIssuer>BLACKROCK INNOVATION AND GRW</nameOfIssuer>
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         <cusip>09260Q108</cusip>
         <value>46442</value>
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         <cusip>09261X102</cusip>
         <value>65</value>
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         <cusip>09290C103</cusip>
         <value>493952</value>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>09354A100</cusip>
         <value>1390</value>
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     <infoTable>
         <nameOfIssuer>BLOCK H &amp; R INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>73976</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>
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         <cusip>093712107</cusip>
         <value>39135</value>
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         <nameOfIssuer>BLUE OWL CAPITAL INC</nameOfIssuer>
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         <cusip>09581B103</cusip>
         <value>10518</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>BOEING CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>097023105</cusip>
         <value>1188378</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>194</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09857L108</cusip>
         <value>99368</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BOOT BARN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>099406100</cusip>
         <value>64522</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>CSX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>126408103</cusip>
         <value>247788</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7679</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7679</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CTS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>126501105</cusip>
         <value>3902</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>74</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>126650100</cusip>
         <value>434891</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9690</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9571</Sole>
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             <None>119</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CABLE ONE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12685J105</cusip>
         <value>5070</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>14</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>CABOT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>127055101</cusip>
         <value>60998</value>
         <shrsOrPrnAmt>
             <sshPrnamt>668</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>668</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>127097103</cusip>
         <value>125044</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4896</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>4896</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>25037</value>
         <shrsOrPrnAmt>
             <sshPrnamt>429</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>429</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>127387108</cusip>
         <value>703687</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2342</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2342</Sole>
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             <None>0</None>
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         <nameOfIssuer>CALAMOS GBL DYN INCOME FUND</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12811L107</cusip>
         <value>12434</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1842</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>128125101</cusip>
         <value>4782</value>
         <shrsOrPrnAmt>
             <sshPrnamt>270</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>270</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CALIX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13100M509</cusip>
         <value>48295</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1385</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1385</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CAMBRIA ETF TR</nameOfIssuer>
         <titleOfClass>CAMBRIA FGN SHR</titleOfClass>
         <cusip>132061300</cusip>
         <value>4064</value>
         <shrsOrPrnAmt>
             <sshPrnamt>161</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>161</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>133131102</cusip>
         <value>24252</value>
         <shrsOrPrnAmt>
             <sshPrnamt>209</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>209</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CAMECO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13321L108</cusip>
         <value>399011</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7764</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>7764</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CANADIAN IMPERIAL BK COMM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136069101</cusip>
         <value>175620</value>
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             <sshPrnamt>2777</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2777</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136375102</cusip>
         <value>283429</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2792</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2792</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CANADIAN NAT RES LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136385101</cusip>
         <value>86834</value>
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             <sshPrnamt>2813</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2813</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13646K108</cusip>
         <value>223028</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>3081</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CANNAE HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13765N107</cusip>
         <value>5144</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>259</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP INTL FOCUS EQT</nameOfIssuer>
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         <cusip>14019W109</cusip>
         <value>2742342</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>623</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP GROWTH ETF</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14020G101</cusip>
         <value>2836558</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP CORE EQUITY ET</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14020V108</cusip>
         <value>1216093</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>23</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP DIVIDEND VALUE</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14020W106</cusip>
         <value>3408758</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>126</None>
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         <nameOfIssuer>CAPITAL GROUP GBL GROWTH EQT</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14020X104</cusip>
         <value>964359</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33007</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>32981</Sole>
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             <None>26</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
         <titleOfClass>CORE PLUS INCM</titleOfClass>
         <cusip>14020Y102</cusip>
         <value>3358893</value>
         <shrsOrPrnAmt>
             <sshPrnamt>151300</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>151172</Sole>
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             <None>128</None>
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         <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
         <titleOfClass>SHORT DURATION</titleOfClass>
         <cusip>14020Y409</cusip>
         <value>1307258</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50981</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50546</Sole>
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             <None>435</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
         <titleOfClass>CORE BOND ETF</titleOfClass>
         <cusip>14020Y508</cusip>
         <value>1473540</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57136</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>54915</Sole>
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             <None>2221</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14040H105</cusip>
         <value>535105</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3001</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>3001</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14149Y108</cusip>
         <value>33932</value>
         <shrsOrPrnAmt>
             <sshPrnamt>287</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>287</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CARETRUST REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14174T107</cusip>
         <value>7213</value>
         <shrsOrPrnAmt>
             <sshPrnamt>267</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>267</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CARLISLE COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>142339100</cusip>
         <value>806284</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2186</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2111</Sole>
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             <None>75</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CARMAX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>143130102</cusip>
         <value>112256</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1373</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1279</Sole>
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             <None>94</None>
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     <infoTable>
         <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
         <titleOfClass>UNIT 99/99/9999</titleOfClass>
         <cusip>143658300</cusip>
         <value>827494</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33206</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>32790</Sole>
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             <None>416</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14448C104</cusip>
         <value>706636</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10353</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10268</Sole>
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             <None>85</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CARS COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14575E105</cusip>
         <value>4836</value>
         <shrsOrPrnAmt>
             <sshPrnamt>279</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>279</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CASELLA WASTE SYS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>147448104</cusip>
         <value>20103</value>
         <shrsOrPrnAmt>
             <sshPrnamt>190</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>190</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CASEYS GEN STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>147528103</cusip>
         <value>2380946</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6009</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5981</Sole>
             <Shared>0</Shared>
             <None>28</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CASS INFORMATION SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14808P109</cusip>
         <value>1350</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
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             <None>0</None>
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         <cusip>25434V500</cusip>
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         <titleOfClass>US CORE EQUITY 2</titleOfClass>
         <cusip>25434V708</cusip>
         <value>57904</value>
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         <cusip>25434V781</cusip>
         <value>186601</value>
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         <titleOfClass>INTERNATNAL VAL</titleOfClass>
         <cusip>25434V807</cusip>
         <value>14192</value>
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             <sshPrnamt>5119</sshPrnamt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>26614N102</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>150</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
         <titleOfClass>HIGH DIVID ETF</titleOfClass>
         <cusip>316092840</cusip>
         <value>2236113</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44774</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>44608</Sole>
             <Shared>0</Shared>
             <None>166</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31620M106</cusip>
         <value>255233</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3160</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3160</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
         <titleOfClass>FNF GROUP COM</titleOfClass>
         <cusip>31620R303</cusip>
         <value>22618</value>
         <shrsOrPrnAmt>
             <sshPrnamt>403</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>403</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
         <value>2195</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>52</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST AMERN FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31847R102</cusip>
         <value>5370</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>86</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST CTZNS BANCSHARES INC N</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>31946M103</cusip>
         <value>54938</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>26</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST HORIZON CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320517105</cusip>
         <value>37279</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1851</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1851</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32051X108</cusip>
         <value>134576</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5186</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5186</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32054K103</cusip>
         <value>11530</value>
         <shrsOrPrnAmt>
             <sshPrnamt>230</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>230</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST LONG IS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320734106</cusip>
         <value>1261</value>
         <shrsOrPrnAmt>
             <sshPrnamt>108</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>108</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>336917109</cusip>
         <value>19425</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>FIRST TR INTER DURATN PFD &amp;</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33718W103</cusip>
         <value>35042</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1946</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1946</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>4823</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>47</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CAP STRENGTH ETF</titleOfClass>
         <cusip>33733E104</cusip>
         <value>488953</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5568</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5484</Sole>
             <Shared>0</Shared>
             <None>84</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DJ INTERNT IDX</titleOfClass>
         <cusip>33733E302</cusip>
         <value>338978</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1394</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1364</Sole>
             <Shared>0</Shared>
             <None>30</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAT GAS ETF</titleOfClass>
         <cusip>33733E807</cusip>
         <value>362478</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14717</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4032</Sole>
             <Shared>0</Shared>
             <None>10685</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>11121</value>
         <shrsOrPrnAmt>
             <sshPrnamt>89</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>89</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>4939086</value>
         <shrsOrPrnAmt>
             <sshPrnamt>113178</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>113009</Sole>
             <Shared>0</Shared>
             <None>169</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR LRGE CP CORE ALPHA</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734K109</cusip>
         <value>77179</value>
         <shrsOrPrnAmt>
             <sshPrnamt>740</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>740</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>UTILITIES ALPH</titleOfClass>
         <cusip>33734X184</cusip>
         <value>20162</value>
         <shrsOrPrnAmt>
             <sshPrnamt>533</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>533</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CLOUD COMPUTING</titleOfClass>
         <cusip>33734X192</cusip>
         <value>7385</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>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DJ GLBL DIVID</titleOfClass>
         <cusip>33734X200</cusip>
         <value>51730</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2326</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2326</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>23161</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1926</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1926</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>191365</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3016</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2916</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ CLN EDGE</titleOfClass>
         <cusip>33737A108</cusip>
         <value>157424</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1319</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1319</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>11190</value>
         <shrsOrPrnAmt>
             <sshPrnamt>207</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>207</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>128640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1608</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1608</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>135595</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2534</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2534</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>165701</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4648</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4648</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>68621</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1485</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1485</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>21161</value>
         <shrsOrPrnAmt>
             <sshPrnamt>512</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>512</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>FT VEST SMID</titleOfClass>
         <cusip>33738D820</cusip>
         <value>30809</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1432</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1432</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FT VEST RIS</titleOfClass>
         <cusip>33738D879</cusip>
         <value>166334</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6862</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6862</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>15771</value>
         <shrsOrPrnAmt>
             <sshPrnamt>201</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>201</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ BUYWRITE</titleOfClass>
         <cusip>33738R407</cusip>
         <value>31501</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1513</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1513</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>336585</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5693</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5693</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>10821</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>335819</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18974</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18708</Sole>
             <Shared>0</Shared>
             <None>266</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MANAGD MUN ETF</titleOfClass>
         <cusip>33739N108</cusip>
         <value>14987</value>
         <shrsOrPrnAmt>
             <sshPrnamt>294</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>294</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>3348680</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50884</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50884</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>53538</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1101</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1101</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>3677751</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61530</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>61530</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FT VEST S&amp;P 500</titleOfClass>
         <cusip>33739Q705</cusip>
         <value>126429</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2518</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2518</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>FT ENERGY INCOME</titleOfClass>
         <cusip>33740F276</cusip>
         <value>19178</value>
         <shrsOrPrnAmt>
             <sshPrnamt>984</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>984</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>69568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1619</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1619</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SMID RISNG ETF</titleOfClass>
         <cusip>33741X102</cusip>
         <value>19467</value>
         <shrsOrPrnAmt>
             <sshPrnamt>543</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>543</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTSERVICE CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33767E202</cusip>
         <value>8508</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>47</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33768G107</cusip>
         <value>58327</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>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>444939</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2166</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>7121</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>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>43873</value>
         <shrsOrPrnAmt>
             <sshPrnamt>418</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>418</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>MORNSTAR UPSTR</titleOfClass>
         <cusip>33939L407</cusip>
         <value>82127</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2259</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2259</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>HIG YLD VL ETF</titleOfClass>
         <cusip>33939L662</cusip>
         <value>21616</value>
         <shrsOrPrnAmt>
             <sshPrnamt>531</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>531</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>INT QLTDVDYNAM</titleOfClass>
         <cusip>33939L829</cusip>
         <value>22449</value>
         <shrsOrPrnAmt>
             <sshPrnamt>812</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>812</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>QLT DIV DEF IDX</titleOfClass>
         <cusip>33939L845</cusip>
         <value>111375</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1586</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1586</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>QUALT DIVD IDX</titleOfClass>
         <cusip>33939L860</cusip>
         <value>221246</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3136</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3136</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>FLEXSHARES ULTRA</titleOfClass>
         <cusip>33939L886</cusip>
         <value>374878</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4987</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4987</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>84547</value>
         <shrsOrPrnAmt>
             <sshPrnamt>848</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>848</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>343412102</cusip>
         <value>13859</value>
         <shrsOrPrnAmt>
             <sshPrnamt>281</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>281</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34354P105</cusip>
         <value>794928</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13820</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13820</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FOOT LOCKER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>344849104</cusip>
         <value>3264</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>150</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORD MTR CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>345370860</cusip>
         <value>1127534</value>
         <shrsOrPrnAmt>
             <sshPrnamt>113894</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>112831</Sole>
             <Shared>0</Shared>
             <None>1063</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORMFACTOR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>346375108</cusip>
         <value>41624</value>
         <shrsOrPrnAmt>
             <sshPrnamt>946</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>946</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>349553107</cusip>
         <value>13950</value>
         <shrsOrPrnAmt>
             <sshPrnamt>336</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>336</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTINET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
         <value>281646</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2981</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2981</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
         <value>107625</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1435</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34964C106</cusip>
         <value>14691</value>
         <shrsOrPrnAmt>
             <sshPrnamt>215</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>215</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTREA HLDGS INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>34965K107</cusip>
         <value>716</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>38</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FOX CORP</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>35137L105</cusip>
         <value>923</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>19</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANCO NEV CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>351858105</cusip>
         <value>10400</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>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
         <titleOfClass>FTSE JAPAN ETF</titleOfClass>
         <cusip>35473P744</cusip>
         <value>16623</value>
         <shrsOrPrnAmt>
             <sshPrnamt>581</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>581</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANKLIN UNVL TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>355145103</cusip>
         <value>222628</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30456</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>30456</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>35671D857</cusip>
         <value>1934006</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50790</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>50569</Sole>
             <Shared>0</Shared>
             <None>221</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRESHPET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>358039105</cusip>
         <value>39546</value>
         <shrsOrPrnAmt>
             <sshPrnamt>267</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>267</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FULLER H B CO</nameOfIssuer>
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         <nameOfIssuer>INDEPENDENCE RLTY TR INC</nameOfIssuer>
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         <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
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         <value>2288</value>
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         <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
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         <nameOfIssuer>INGREDION INC</nameOfIssuer>
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         <nameOfIssuer>INSIGHT ENTERPRISES INC</nameOfIssuer>
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         <nameOfIssuer>INSMED INC</nameOfIssuer>
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         <nameOfIssuer>INNOSPEC INC</nameOfIssuer>
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         <nameOfIssuer>INSPIRE MED SYS INC</nameOfIssuer>
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         <nameOfIssuer>INSTALLED BLDG PRODS INC</nameOfIssuer>
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         <nameOfIssuer>INSULET CORP</nameOfIssuer>
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         <nameOfIssuer>INTEL CORP</nameOfIssuer>
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         <nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>
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         <nameOfIssuer>INTELLIA THERAPEUTICS INC</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>INTAPP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>INTERPARFUMS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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     <infoTable>
         <nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
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         <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
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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 QQQ TR</nameOfIssuer>
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     <infoTable>
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     <infoTable>
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             <None>0</None>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <shrsOrPrnAmt>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <shrsOrPrnAmt>
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     <infoTable>
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             <sshPrnamt>2686</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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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>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138E222</cusip>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <cusip>46138E263</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>4569</sshPrnamt>
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     <infoTable>
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         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
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         <shrsOrPrnAmt>
             <sshPrnamt>835</sshPrnamt>
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     <infoTable>
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     <infoTable>
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             <sshPrnamt>13472</sshPrnamt>
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     <infoTable>
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         <shrsOrPrnAmt>
             <sshPrnamt>20445</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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     <infoTable>
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         <cusip>46138E537</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>1892</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <shrsOrPrnAmt>
             <sshPrnamt>121</sshPrnamt>
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     <infoTable>
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         <shrsOrPrnAmt>
             <sshPrnamt>76</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <titleOfClass>SR LN ETF</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>225</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <shrsOrPrnAmt>
             <sshPrnamt>32</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <cusip>46138G664</cusip>
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             <sshPrnamt>375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <titleOfClass>SOLAR ETF</titleOfClass>
         <cusip>46138G706</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>252</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
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             <sshPrnamt>1372</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <sshPrnamt>2501</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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             <sshPrnamt>2781</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>IONIS PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>462222100</cusip>
         <value>18878</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>462260100</cusip>
         <value>4403</value>
         <shrsOrPrnAmt>
             <sshPrnamt>595</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>395</Sole>
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             <None>200</None>
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     <infoTable>
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         <nameOfIssuer>NIKE INC</nameOfIssuer>
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         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
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         <cusip>680665205</cusip>
         <value>270</value>
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         <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
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         <cusip>681116109</cusip>
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         <nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682189105</cusip>
         <value>29130</value>
         <shrsOrPrnAmt>
             <sshPrnamt>462</sshPrnamt>
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         <nameOfIssuer>ONE GAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68235P108</cusip>
         <value>5194</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75</sshPrnamt>
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         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682680103</cusip>
         <value>1340574</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13352</sshPrnamt>
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         <nameOfIssuer>ONEMAIN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68268W103</cusip>
         <value>47282</value>
         <shrsOrPrnAmt>
             <sshPrnamt>907</sshPrnamt>
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         <nameOfIssuer>ONESTREAM INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>68278B107</cusip>
         <value>3736</value>
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             <sshPrnamt>131</sshPrnamt>
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         <nameOfIssuer>ONTO INNOVATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>683344105</cusip>
         <value>34002</value>
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         <nameOfIssuer>OPENDOOR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>23271</value>
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             <sshPrnamt>14544</sshPrnamt>
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             <None>220</None>
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         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68389X105</cusip>
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             <sshPrnamt>16028</sshPrnamt>
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         <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
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         <value>982</value>
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         <nameOfIssuer>ORION OFFICE REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68629Y103</cusip>
         <value>11</value>
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             <sshPrnamt>3</sshPrnamt>
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         <nameOfIssuer>OSHKOSH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>688239201</cusip>
         <value>28897</value>
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             <sshPrnamt>304</sshPrnamt>
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         <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68902V107</cusip>
         <value>52501</value>
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             <sshPrnamt>566</sshPrnamt>
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         <nameOfIssuer>OUTFRONT MEDIA INC</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <value>10</value>
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         <nameOfIssuer>OWENS CORNING NEW</nameOfIssuer>
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         <nameOfIssuer>BLUE OWL CAPITAL CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69121K104</cusip>
         <value>226468</value>
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             <sshPrnamt>14978</sshPrnamt>
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         <nameOfIssuer>OXFORD INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>691497309</cusip>
         <value>788</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <nameOfIssuer>PG&amp;E CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69331C108</cusip>
         <value>51722</value>
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         <nameOfIssuer>PJT PARTNERS INC</nameOfIssuer>
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         <value>87583</value>
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         <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
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         <cusip>69344A107</cusip>
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         <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693475105</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>1573</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
         <value>1120998</value>
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         <nameOfIssuer>PPL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69351T106</cusip>
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         <nameOfIssuer>PTC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69370C100</cusip>
         <value>19858</value>
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         <nameOfIssuer>PACCAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693718108</cusip>
         <value>213342</value>
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     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>US LRG CP CASH</titleOfClass>
         <cusip>69374H360</cusip>
         <value>7946</value>
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     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>DATA AND INFRAST</titleOfClass>
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         <value>750</value>
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     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>PACER US SMALL</titleOfClass>
         <cusip>69374H857</cusip>
         <value>9421990</value>
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         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>DEVELOPED MRKT</titleOfClass>
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         <value>138385</value>
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     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>US CASH COWS 100</titleOfClass>
         <cusip>69374H881</cusip>
         <value>4379793</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>PACIFIC BIOSCIENCES CALIF IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69404D108</cusip>
         <value>1389</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>695156109</cusip>
         <value>450937</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2003</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>PAGERDUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69553P100</cusip>
         <value>2502</value>
         <shrsOrPrnAmt>
             <sshPrnamt>137</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>69608A108</cusip>
         <value>1003998</value>
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             <sshPrnamt>13275</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>13275</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>697435105</cusip>
         <value>4415652</value>
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             <sshPrnamt>24267</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>23443</Sole>
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             <None>824</None>
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     <infoTable>
         <nameOfIssuer>PALOMAR HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69753M105</cusip>
         <value>3907</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>37</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
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         <nameOfIssuer>ROBERT HALF INC.</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>SHELL PLC</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>780259305</cusip>
         <value>288796</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4610</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4603</Sole>
             <Shared>0</Shared>
             <None>7</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYAL GOLD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780287108</cusip>
         <value>40560</value>
         <shrsOrPrnAmt>
             <sshPrnamt>308</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>308</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYCE SMALL CAP TRUST INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>780910105</cusip>
         <value>12528</value>
         <shrsOrPrnAmt>
             <sshPrnamt>793</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>793</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RUNWAY GROWTH FINANCE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78163D100</cusip>
         <value>114</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYANAIR HOLDINGS PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>783513203</cusip>
         <value>54710</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1255</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1255</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RYAN SPECIALTY HOLDINGS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78351F107</cusip>
         <value>449</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>RYDER SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>783549108</cusip>
         <value>42509</value>
         <shrsOrPrnAmt>
             <sshPrnamt>271</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>271</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>3720261</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7467</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7427</Sole>
             <Shared>0</Shared>
             <None>40</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>82959</value>
         <shrsOrPrnAmt>
             <sshPrnamt>407</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>378</Sole>
             <Shared>0</Shared>
             <None>29</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SM ENERGY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78454L100</cusip>
         <value>35504</value>
         <shrsOrPrnAmt>
             <sshPrnamt>916</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>916</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
         <titleOfClass>TR UNIT</titleOfClass>
         <cusip>78462F103</cusip>
         <value>6445533</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10998</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9198</Sole>
             <Shared>0</Shared>
             <None>1800</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPS COMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78463M107</cusip>
         <value>43608</value>
         <shrsOrPrnAmt>
             <sshPrnamt>237</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>237</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>4704843</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19431</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>16710</Sole>
             <Shared>0</Shared>
             <None>2721</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>GLB NAT RESRCE</titleOfClass>
         <cusip>78463X541</cusip>
         <value>8579</value>
         <shrsOrPrnAmt>
             <sshPrnamt>172</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>172</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
         <cusip>78463X889</cusip>
         <value>25290</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>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
         <cusip>78464A201</cusip>
         <value>34550</value>
         <shrsOrPrnAmt>
             <sshPrnamt>383</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>383</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
         <cusip>78464A284</cusip>
         <value>4246</value>
         <shrsOrPrnAmt>
             <sshPrnamt>166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>166</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>34466</value>
         <shrsOrPrnAmt>
             <sshPrnamt>395</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>395</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>31701</value>
         <shrsOrPrnAmt>
             <sshPrnamt>407</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>407</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
         <cusip>78464A375</cusip>
         <value>14742</value>
         <shrsOrPrnAmt>
             <sshPrnamt>450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>450</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORT MTG BK ETF</titleOfClass>
         <cusip>78464A383</cusip>
         <value>80102</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3717</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3717</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>409272</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4656</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4656</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>12530</value>
         <shrsOrPrnAmt>
             <sshPrnamt>245</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>245</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
         <cusip>78464A664</cusip>
         <value>853306</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32581</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18939</Sole>
             <Shared>0</Shared>
             <None>13642</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>316100</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2394</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2394</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>2600</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>PORTFOLI S&amp;P1500</titleOfClass>
         <cusip>78464A805</cusip>
         <value>6469</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>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
         <cusip>78464A821</cusip>
         <value>48225</value>
         <shrsOrPrnAmt>
             <sshPrnamt>555</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>555</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>34948</value>
         <shrsOrPrnAmt>
             <sshPrnamt>436</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>436</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>1654</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>24</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P BIOTECH</titleOfClass>
         <cusip>78464A870</cusip>
         <value>260458</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2892</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>764</Sole>
             <Shared>0</Shared>
             <None>2128</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P HOMEBUILD</titleOfClass>
         <cusip>78464A888</cusip>
         <value>239096</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2288</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2288</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>138981</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1834</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1749</Sole>
             <Shared>0</Shared>
             <None>85</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>BLACKSTONE SENR</titleOfClass>
         <cusip>78467V608</cusip>
         <value>283124</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6785</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6785</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>1329067</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3125</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2125</Sole>
             <Shared>0</Shared>
             <None>1000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
         <cusip>78467Y107</cusip>
         <value>611870</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1075</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1075</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
         <cusip>78468R408</cusip>
         <value>2392</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>95</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>OILGAS EQUIP</titleOfClass>
         <cusip>78468R549</cusip>
         <value>190836</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2418</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>644</Sole>
             <Shared>0</Shared>
             <None>1774</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
         <cusip>78468R606</cusip>
         <value>20747</value>
         <shrsOrPrnAmt>
             <sshPrnamt>884</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>884</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
         <cusip>78468R622</cusip>
         <value>13022</value>
         <shrsOrPrnAmt>
             <sshPrnamt>136</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>136</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>3905199</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42714</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>29909</Sole>
             <Shared>0</Shared>
             <None>12805</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>80856</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1772</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1772</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>75303</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1589</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1589</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
         <cusip>78468R796</cusip>
         <value>76381</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1587</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1587</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>6738</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>150</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
         <titleOfClass>UNIT BEN INT</titleOfClass>
         <cusip>785688102</cusip>
         <value>32429</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAFETY INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78648T100</cusip>
         <value>906</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAIA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78709Y105</cusip>
         <value>319923</value>
         <shrsOrPrnAmt>
             <sshPrnamt>702</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>702</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>6512884</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19466</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18854</Sole>
             <Shared>0</Shared>
             <None>612</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAMSARA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>79589L106</cusip>
         <value>5898</value>
         <shrsOrPrnAmt>
             <sshPrnamt>135</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>135</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANDY SPRING BANCORP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>800363103</cusip>
         <value>1079</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>SANOFI</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>80105N105</cusip>
         <value>430500</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8926</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8876</Sole>
             <Shared>0</Shared>
             <None>50</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>743639</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3021</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3021</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>134940</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1950</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1950</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>1159057</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30230</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>30074</Sole>
             <Shared>0</Shared>
             <None>156</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHNEIDER NATIONAL INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>80689H102</cusip>
         <value>15884</value>
         <shrsOrPrnAmt>
             <sshPrnamt>544</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>544</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>421261</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5692</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5692</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US BRD MKT ETF</titleOfClass>
         <cusip>808524102</cusip>
         <value>62516</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2754</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2754</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>329620</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14220</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14220</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LCAP GR ETF</titleOfClass>
         <cusip>808524300</cusip>
         <value>109509</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3929</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3929</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LCAP VA ETF</titleOfClass>
         <cusip>808524409</cusip>
         <value>4927</value>
         <shrsOrPrnAmt>
             <sshPrnamt>189</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>189</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>69081</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2493</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2493</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>60512</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2340</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2340</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>5 10YR CORP BD</titleOfClass>
         <cusip>808524698</cusip>
         <value>1834204</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83107</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>83107</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
         <cusip>808524706</cusip>
         <value>15313</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>FUNDAMENTAL INTL</titleOfClass>
         <cusip>808524755</cusip>
         <value>14427</value>
         <shrsOrPrnAmt>
             <sshPrnamt>434</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>434</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>351945</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12880</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12880</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>61050</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3300</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>2031548</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83637</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>49048</Sole>
             <Shared>0</Shared>
             <None>34589</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>1482277</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61607</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>36870</Sole>
             <Shared>0</Shared>
             <None>24737</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>170267</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2567</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2567</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>12202</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>115</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>4448</value>
         <shrsOrPrnAmt>
             <sshPrnamt>131</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>131</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>452229</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5369</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5291</Sole>
             <Shared>0</Shared>
             <None>78</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>1871523</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13601</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13553</Sole>
             <Shared>0</Shared>
             <None>48</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>1909296</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24290</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>24290</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>502417</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2239</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2239</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>680166</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7940</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7940</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>1691196</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34993</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>34993</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>1098915</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8334</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8250</Sole>
             <Shared>0</Shared>
             <None>84</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>3413676</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14677</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14560</Sole>
             <Shared>0</Shared>
             <None>117</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>173247</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1789</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1789</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>4398</value>
         <shrsOrPrnAmt>
             <sshPrnamt>108</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>108</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>681028</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8999</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8999</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>1029</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>703739</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8022</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8022</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSEONICS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81727U105</cusip>
         <value>6804</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>5798826</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5470</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5430</Sole>
             <Shared>0</Shared>
             <None>40</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>4294181</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12617</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12485</Sole>
             <Shared>0</Shared>
             <None>132</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOE CARNIVAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824889109</cusip>
         <value>5094</value>
         <shrsOrPrnAmt>
             <sshPrnamt>154</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>154</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>1828143</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17193</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17178</Sole>
             <Shared>0</Shared>
             <None>15</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHORE BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825107105</cusip>
         <value>806036</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>3946</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>SILICON LABORATORIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>826919102</cusip>
         <value>17143</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>SILGAN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>827048109</cusip>
         <value>8224</value>
         <shrsOrPrnAmt>
             <sshPrnamt>158</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>158</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILICON MOTION TECHNOLOGY CO</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>82706C108</cusip>
         <value>3189</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>59</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>216300</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1256</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1256</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPLY GOOD FOODS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82900L102</cusip>
         <value>2183</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>56</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPSON MFG INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>481195</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2901</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2901</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982L103</cusip>
         <value>172749</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1311</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1311</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITIME CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982T106</cusip>
         <value>4934</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>SIRIUSXM HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>829933100</cusip>
         <value>1913</value>
         <shrsOrPrnAmt>
             <sshPrnamt>84</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>84</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIXTH STREET SPECIALTY LENDI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83012A109</cusip>
         <value>122068</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5731</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5731</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKECHERS U S A INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>830566105</cusip>
         <value>1681</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>25</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CHAMPION HOMES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>830830105</cusip>
         <value>52420</value>
         <shrsOrPrnAmt>
             <sshPrnamt>595</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>595</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKYWEST INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>830879102</cusip>
         <value>1101</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83088M102</cusip>
         <value>100869</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1137</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1137</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>25171</value>
         <shrsOrPrnAmt>
             <sshPrnamt>369</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>369</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>26209</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>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>3698325</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10892</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10863</Sole>
             <Shared>0</Shared>
             <None>29</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>83304A106</cusip>
         <value>4146</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>SNOWFLAKE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>833445109</cusip>
         <value>333984</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2163</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1328</Sole>
             <Shared>0</Shared>
             <None>835</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOFI TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83406F102</cusip>
         <value>1756</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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     <infoTable>
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             <None>1880</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>379331</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6437</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5875</Sole>
             <Shared>0</Shared>
             <None>562</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>EXTENDED DUR</titleOfClass>
         <cusip>921910709</cusip>
         <value>238541</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3522</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3382</Sole>
             <Shared>0</Shared>
             <None>140</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ESG INTL STK ETF</titleOfClass>
         <cusip>921910725</cusip>
         <value>41769</value>
         <shrsOrPrnAmt>
             <sshPrnamt>737</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>737</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ESG US STK ETF</titleOfClass>
         <cusip>921910733</cusip>
         <value>372373</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3549</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3549</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA GRWTH IND</titleOfClass>
         <cusip>921910816</cusip>
         <value>316465</value>
         <shrsOrPrnAmt>
             <sshPrnamt>921</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>464</Sole>
             <Shared>0</Shared>
             <None>457</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>500 VAL IDX FD</titleOfClass>
         <cusip>921932703</cusip>
         <value>234739</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1273</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1201</Sole>
             <Shared>0</Shared>
             <None>72</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>SMLLCP 600 IDX</titleOfClass>
         <cusip>921932828</cusip>
         <value>3450520</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32543</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>31419</Sole>
             <Shared>0</Shared>
             <None>1124</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>MIDCP 400 IDX</titleOfClass>
         <cusip>921932885</cusip>
         <value>4251663</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40302</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>39135</Sole>
             <Shared>0</Shared>
             <None>1167</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>LONG TERM BOND</titleOfClass>
         <cusip>921937793</cusip>
         <value>145343</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2124</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>1829410</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24480</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>24480</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>1018035</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12825</Sole>
             <Shared>0</Shared>
             <None>350</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>12675</value>
         <shrsOrPrnAmt>
             <sshPrnamt>176</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>176</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>10188158</value>
         <shrsOrPrnAmt>
             <sshPrnamt>213057</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>208135</Sole>
             <Shared>0</Shared>
             <None>4922</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>1278741</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10021</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9989</Sole>
             <Shared>0</Shared>
             <None>32</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL HIGH ETF</titleOfClass>
         <cusip>921946794</cusip>
         <value>28869</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>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL DVD ETF</titleOfClass>
         <cusip>921946810</cusip>
         <value>64855</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 MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>47389</value>
         <shrsOrPrnAmt>
             <sshPrnamt>979</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>979</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>345559</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7045</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7045</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>9384</value>
         <shrsOrPrnAmt>
             <sshPrnamt>237</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>237</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>2536882</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21593</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21593</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>276820</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4822</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4622</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>4687969</value>
         <shrsOrPrnAmt>
             <sshPrnamt>106444</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>103759</Sole>
             <Shared>0</Shared>
             <None>2685</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
         <value>234966</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3702</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3702</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>29280</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 FD</nameOfIssuer>
         <titleOfClass>CONSUM STP ETF</titleOfClass>
         <cusip>92204A207</cusip>
         <value>61089</value>
         <shrsOrPrnAmt>
             <sshPrnamt>289</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>289</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>240041</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1979</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1979</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>31009</value>
         <shrsOrPrnAmt>
             <sshPrnamt>263</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>263</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>10222</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 FD</nameOfIssuer>
         <titleOfClass>INDUSTRIAL ETF</titleOfClass>
         <cusip>92204A603</cusip>
         <value>29256</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>115</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>271940</value>
         <shrsOrPrnAmt>
             <sshPrnamt>437</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>437</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>51987</value>
         <shrsOrPrnAmt>
             <sshPrnamt>277</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>277</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>41437</value>
         <shrsOrPrnAmt>
             <sshPrnamt>254</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>254</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>729046</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9346</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9346</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>2009131</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22491</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13108</Sole>
             <Shared>0</Shared>
             <None>9383</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
         <cusip>92206C680</cusip>
         <value>236489</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2289</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2289</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000VAL</titleOfClass>
         <cusip>92206C714</cusip>
         <value>168383</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2073</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2073</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>166700</value>
         <shrsOrPrnAmt>
             <sshPrnamt>625</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>625</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>2882689</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63579</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>38476</Sole>
             <Shared>0</Shared>
             <None>25103</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>LG-TERM COR BD</titleOfClass>
         <cusip>92206C813</cusip>
         <value>49957</value>
         <shrsOrPrnAmt>
             <sshPrnamt>668</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>668</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>LONG TERM TREAS</titleOfClass>
         <cusip>92206C847</cusip>
         <value>4483</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>152897</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1905</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1627</Sole>
             <Shared>0</Shared>
             <None>278</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VAXART INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>92243A200</cusip>
         <value>1126</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>122577</value>
         <shrsOrPrnAmt>
             <sshPrnamt>583</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>583</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>9599</value>
         <shrsOrPrnAmt>
             <sshPrnamt>163</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>163</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>276220</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5510</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5510</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>29513955</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54771</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>51707</Sole>
             <Shared>0</Shared>
             <None>3064</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>1500427</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9275</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7018</Sole>
             <Shared>0</Shared>
             <None>2257</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>1284737</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5063</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4052</Sole>
             <Shared>0</Shared>
             <None>1011</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>630</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>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>327818</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1170</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1170</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>477122</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2407</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1657</Sole>
             <Shared>0</Shared>
             <None>750</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>1057086</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4002</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4002</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>LARGE CAP ETF</titleOfClass>
         <cusip>922908637</cusip>
         <value>295861</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1097</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1097</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>EXTEND MKT ETF</titleOfClass>
         <cusip>922908652</cusip>
         <value>139045</value>
         <shrsOrPrnAmt>
             <sshPrnamt>732</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>732</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>3275278</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7961</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7946</Sole>
             <Shared>0</Shared>
             <None>15</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>7418039</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43810</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>43715</Sole>
             <Shared>0</Shared>
             <None>95</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>1105180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4599</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4515</Sole>
             <Shared>0</Shared>
             <None>84</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>1097343</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3786</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3786</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERACYTE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92337F107</cusip>
         <value>2495</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>63</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERALTO CORP</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>92338C103</cusip>
         <value>313912</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3082</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2986</Sole>
             <Shared>0</Shared>
             <None>96</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>1242</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>7705186</value>
         <shrsOrPrnAmt>
             <sshPrnamt>192684</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>191676</Sole>
             <Shared>0</Shared>
             <None>1008</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>106648</value>
         <shrsOrPrnAmt>
             <sshPrnamt>387</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>387</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERICEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92346J108</cusip>
         <value>57711</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1051</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1051</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>2289374</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5685</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5671</Sole>
             <Shared>0</Shared>
             <None>14</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92537N108</cusip>
         <value>1012881</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8915</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8905</Sole>
             <Shared>0</Shared>
             <None>10</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERVE THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92539P101</cusip>
         <value>219960</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>39000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIAVI SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925550105</cusip>
         <value>435</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>7845</value>
         <shrsOrPrnAmt>
             <sshPrnamt>750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>750</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>32064</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2576</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2576</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>512297</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17538</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17054</Sole>
             <Shared>0</Shared>
             <None>484</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICTORY CAP HLDGS INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92645B103</cusip>
         <value>3928</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>VICTORY PORTFOLIOS II</nameOfIssuer>
         <titleOfClass>VICSHS DV AC ETF</titleOfClass>
         <cusip>92647N667</cusip>
         <value>13198</value>
         <shrsOrPrnAmt>
             <sshPrnamt>260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>260</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
         <titleOfClass>VCSHS US EQ INCM</titleOfClass>
         <cusip>92647N824</cusip>
         <value>13090</value>
         <shrsOrPrnAmt>
             <sshPrnamt>209</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>209</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>140</Sole>
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             <None>0</None>
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         <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98956P102</cusip>
         <value>87520</value>
         <shrsOrPrnAmt>
             <sshPrnamt>828</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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     <infoTable>
         <nameOfIssuer>ZIONS BANCORPORATION N A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>989701107</cusip>
         <value>119079</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2195</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2195</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ZOETIS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>98978V103</cusip>
         <value>3671447</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22531</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>22409</Sole>
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             <None>122</None>
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     <infoTable>
         <nameOfIssuer>ZSCALER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98980G102</cusip>
         <value>103376</value>
         <shrsOrPrnAmt>
             <sshPrnamt>573</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>448</Sole>
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             <None>125</None>
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     <infoTable>
         <nameOfIssuer>ZOOM COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>98980L101</cusip>
         <value>27094</value>
         <shrsOrPrnAmt>
             <sshPrnamt>332</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>332</Sole>
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     <infoTable>
         <nameOfIssuer>ZURN ELKAY WATER SOLNS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98983L108</cusip>
         <value>299520</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8030</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>8030</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DEUTSCHE BANK A G</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>D18190898</cusip>
         <value>11952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>701</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>701</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ALLEGION PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G0176J109</cusip>
         <value>230391</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1763</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1763</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>AMCOR PLC</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G0250X107</cusip>
         <value>171299</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18204</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>18204</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G02602103</cusip>
         <value>277904</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3264</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3264</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>AON PLC</nameOfIssuer>
         <titleOfClass>SHS CL A</titleOfClass>
         <cusip>G0403H108</cusip>
         <value>320447</value>
         <shrsOrPrnAmt>
             <sshPrnamt>892</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>872</Sole>
             <Shared>0</Shared>
             <None>20</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G0450A105</cusip>
         <value>1453494</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15739</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15739</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>AXALTA COATING SYS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0750C108</cusip>
         <value>15501</value>
         <shrsOrPrnAmt>
             <sshPrnamt>453</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>453</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BIT DIGITAL INC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G1144A105</cusip>
         <value>902</value>
         <shrsOrPrnAmt>
             <sshPrnamt>308</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>308</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>7838415</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22258</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>22137</Sole>
             <Shared>0</Shared>
             <None>121</None>
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     <infoTable>
         <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
         <titleOfClass>LP INT UNIT</titleOfClass>
         <cusip>G16252101</cusip>
         <value>18777</value>
         <shrsOrPrnAmt>
             <sshPrnamt>591</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>591</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>257633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50715</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>48585</Sole>
             <Shared>0</Shared>
             <None>2130</None>
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     <infoTable>
         <nameOfIssuer>CREDO TECHNOLOGY GROUP HOLDI</nameOfIssuer>
         <titleOfClass>ORDINARY SHARES</titleOfClass>
         <cusip>G25457105</cusip>
         <value>7729</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>115</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CRH PLC</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G25508105</cusip>
         <value>12120</value>
         <shrsOrPrnAmt>
             <sshPrnamt>131</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>131</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G25839104</cusip>
         <value>16975</value>
         <shrsOrPrnAmt>
             <sshPrnamt>221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>221</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>5089691</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15334</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15303</Sole>
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             <None>31</None>
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     <infoTable>
         <nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G3223R108</cusip>
         <value>362</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>G3265R107</cusip>
         <value>11310</value>
         <shrsOrPrnAmt>
             <sshPrnamt>187</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>187</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FABRINET</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3323L100</cusip>
         <value>10115</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>46</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FLUTTER ENTMT PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3643J108</cusip>
         <value>5169</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>20</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FTAI AVIATION LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3730V105</cusip>
         <value>288080</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2000</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GATES INDL CORP PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G39108108</cusip>
         <value>99126</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4819</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4819</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>HELEN OF TROY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G4388N106</cusip>
         <value>419</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>7</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ICON PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>131069</value>
         <shrsOrPrnAmt>
             <sshPrnamt>625</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>2</None>
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     <infoTable>
         <nameOfIssuer>ICHOR HOLDINGS</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4740B105</cusip>
         <value>15435</value>
         <shrsOrPrnAmt>
             <sshPrnamt>479</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>479</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INTERNATIONAL GAME TECHNOLOG</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G4863A108</cusip>
         <value>468801</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26546</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>25980</Sole>
             <Shared>0</Shared>
             <None>566</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WEATHERFORD INTL PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G48833118</cusip>
         <value>12535</value>
         <shrsOrPrnAmt>
             <sshPrnamt>175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>175</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>1081639</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8783</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8720</Sole>
             <Shared>0</Shared>
             <None>63</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>182351</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2310</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2310</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>2794078</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6666</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6666</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>4813431</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60254</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>59573</Sole>
             <Shared>0</Shared>
             <None>681</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>
         <titleOfClass>ORD SHS A</titleOfClass>
         <cusip>G65431127</cusip>
         <value>25591</value>
         <shrsOrPrnAmt>
             <sshPrnamt>815</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>815</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOMAD FOODS LTD</nameOfIssuer>
         <titleOfClass>USD ORD SHS</titleOfClass>
         <cusip>G6564A105</cusip>
         <value>7765</value>
         <shrsOrPrnAmt>
             <sshPrnamt>463</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>10935</value>
         <shrsOrPrnAmt>
             <sshPrnamt>425</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>425</Sole>
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             <None>0</None>
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         <nameOfIssuer>NU HLDGS LTD</nameOfIssuer>
         <titleOfClass>ORD SHS CL A</titleOfClass>
         <cusip>G6683N103</cusip>
         <value>11717</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1131</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1131</Sole>
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             <None>0</None>
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         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>26174</value>
         <shrsOrPrnAmt>
             <sshPrnamt>384</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>384</Sole>
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             <None>0</None>
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         <nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G7496G103</cusip>
         <value>11976</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>48</Sole>
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             <None>0</None>
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         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>60270</value>
         <shrsOrPrnAmt>
             <sshPrnamt>699</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>699</Sole>
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             <None>0</None>
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         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>8957</value>
         <shrsOrPrnAmt>
             <sshPrnamt>89</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>89</Sole>
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             <None>0</None>
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         <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8060N102</cusip>
         <value>15289</value>
         <shrsOrPrnAmt>
             <sshPrnamt>558</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>558</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>STERIS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G8473T100</cusip>
         <value>2042745</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9938</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>9672</Sole>
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             <None>266</None>
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         <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G87052109</cusip>
         <value>838359</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5863</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>5798</Sole>
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         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>941315</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2549</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2544</Sole>
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             <None>5</None>
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         <nameOfIssuer>GOLAR LNG LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G9456A100</cusip>
         <value>157325</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3718</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>3418</Sole>
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             <None>300</None>
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         <nameOfIssuer>WHITE MTNS INS GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>54461</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>28</Sole>
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             <None>0</None>
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         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>13826</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>44</Sole>
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             <None>0</None>
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         <nameOfIssuer>PERRIGO CO PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G97822103</cusip>
         <value>4833</value>
         <shrsOrPrnAmt>
             <sshPrnamt>188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>188</Sole>
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             <None>0</None>
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         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>369646</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4354</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4337</Sole>
             <Shared>0</Shared>
             <None>17</None>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>5175616</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18731</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18706</Sole>
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             <None>25</None>
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         <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>16806</value>
         <shrsOrPrnAmt>
             <sshPrnamt>427</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>427</Sole>
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             <None>0</None>
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         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>371443</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1802</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1802</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>24705</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>ON HLDG AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT A</titleOfClass>
         <cusip>H5919C104</cusip>
         <value>344175</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6284</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>215067</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1003</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1003</Sole>
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             <None>0</None>
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         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>383409</value>
         <shrsOrPrnAmt>
             <sshPrnamt>857</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>850</Sole>
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             <None>7</None>
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         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>18670</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
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             <None>0</None>
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         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>1094064</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3284</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3277</Sole>
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             <None>7</None>
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         <nameOfIssuer>JFROG LTD</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>M6191J100</cusip>
         <value>8823</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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             <None>0</None>
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         <nameOfIssuer>NOVA LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>M7516K103</cusip>
         <value>44707</value>
         <shrsOrPrnAmt>
             <sshPrnamt>227</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>227</Sole>
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             <None>0</None>
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         <nameOfIssuer>MONDAY COM LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M7S64H106</cusip>
         <value>4944</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21</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>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N00985106</cusip>
         <value>527881</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5516</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5516</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>3060995</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4402</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4390</Sole>
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             <None>12</None>
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     <infoTable>
         <nameOfIssuer>ELASTIC N V</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>N14506104</cusip>
         <value>6638</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>67</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CNH INDL N V</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N20944109</cusip>
         <value>13741</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1213</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1213</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>26766</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>63</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>461392</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6212</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6194</Sole>
             <Shared>0</Shared>
             <None>18</None>
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     <infoTable>
         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>23904</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>115</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ONESPAWORLD HOLDINGS LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>P73684113</cusip>
         <value>52615</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2644</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2644</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MAKEMYTRIP LIMITED MAURITIUS</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>V5633W109</cusip>
         <value>18639</value>
         <shrsOrPrnAmt>
             <sshPrnamt>166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>166</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
         <value>399323</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1731</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1731</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer>
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         <nameOfIssuer>ATMOS ENERGY CORP</nameOfIssuer>
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         <nameOfIssuer>BJS WHSL CLUB HLDGS INC</nameOfIssuer>
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         <cusip>055622104</cusip>
         <value>2756085</value>
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         <value>11876359</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BAIDU INC</nameOfIssuer>
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         <cusip>056752108</cusip>
         <value>2529300</value>
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         <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>
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         <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
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         <cusip>09262F100</cusip>
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         <nameOfIssuer>CABLE ONE INC</nameOfIssuer>
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         <cusip>127097103</cusip>
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         <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
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         <cusip>127387108</cusip>
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         <nameOfIssuer>THE CAMPBELLS COMPANY</nameOfIssuer>
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         <cusip>134429109</cusip>
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         <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
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         <cusip>13646K108</cusip>
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         <nameOfIssuer>CAPITAL GROUP INTERNATIONAL</nameOfIssuer>
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         <cusip>14021M107</cusip>
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         <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
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             <None>1469</None>
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         <nameOfIssuer>CARLISLE COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>142339100</cusip>
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         <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
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         <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
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         <nameOfIssuer>CELANESE CORP DEL</nameOfIssuer>
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         <cusip>150870103</cusip>
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         <nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
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         <cusip>15135B101</cusip>
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         <nameOfIssuer>CENTRAL GARDEN &amp; PET CO</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>16359R103</cusip>
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         <cusip>16411R208</cusip>
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         <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>166764100</cusip>
         <value>69385180</value>
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         <nameOfIssuer>CHEWY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>16679L109</cusip>
         <value>6698</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>169656105</cusip>
         <value>81521955</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CHURCH &amp; DWIGHT CO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>14100238</value>
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         <cusip>25179M103</cusip>
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         <votingAuthority>
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             <None>2380</None>
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         <cusip>25278X109</cusip>
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         <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253393102</cusip>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>253868103</cusip>
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         <cusip>25434V104</cusip>
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         <cusip>25434V203</cusip>
         <value>4908569</value>
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         <titleOfClass>EMGR CRE EQT MNG</titleOfClass>
         <cusip>25434V302</cusip>
         <value>2710846</value>
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             <None>102707</None>
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         <cusip>25434V401</cusip>
         <value>6100003</value>
         <shrsOrPrnAmt>
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             <None>78638</None>
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         <titleOfClass>US SMALL CAP ETF</titleOfClass>
         <cusip>25434V500</cusip>
         <value>708148</value>
         <shrsOrPrnAmt>
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             <None>2091</None>
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         <titleOfClass>US TARGETED VLU</titleOfClass>
         <cusip>25434V609</cusip>
         <value>862674</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15499</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11852</Sole>
             <Shared>0</Shared>
             <None>3647</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>GLOBAL REAL EST</titleOfClass>
         <cusip>25434V658</cusip>
         <value>950751</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37226</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>37226</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQUITY 2</titleOfClass>
         <cusip>25434V708</cusip>
         <value>5015550</value>
         <shrsOrPrnAmt>
             <sshPrnamt>145000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>144118</Sole>
             <Shared>0</Shared>
             <None>882</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SUSTAINABILTY</titleOfClass>
         <cusip>25434V716</cusip>
         <value>791302</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20879</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>20879</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US MKTWIDE VALUE</titleOfClass>
         <cusip>25434V724</cusip>
         <value>1196759</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29246</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8363</Sole>
             <Shared>0</Shared>
             <None>20883</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTL HIGH PROFIT</titleOfClass>
         <cusip>25434V765</cusip>
         <value>2151221</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85264</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>85264</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTERNATNAL VAL</titleOfClass>
         <cusip>25434V807</cusip>
         <value>189538</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5342</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3321</Sole>
             <Shared>0</Shared>
             <None>2021</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SMALL CAP VAL</titleOfClass>
         <cusip>25434V815</cusip>
         <value>3563572</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115776</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>488</Sole>
             <Shared>0</Shared>
             <None>115288</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US HIGH PROFITAB</titleOfClass>
         <cusip>25434V831</cusip>
         <value>14558496</value>
         <shrsOrPrnAmt>
             <sshPrnamt>430852</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>87027</Sole>
             <Shared>0</Shared>
             <None>343825</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>NATL MUN BD ETF</titleOfClass>
         <cusip>25434V849</cusip>
         <value>2746775</value>
         <shrsOrPrnAmt>
             <sshPrnamt>57500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>57500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>CORE FIXED INCOM</titleOfClass>
         <cusip>25434V872</cusip>
         <value>3830846</value>
         <shrsOrPrnAmt>
             <sshPrnamt>92824</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>92824</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>1114101</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44815</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>44774</Sole>
             <Shared>0</Shared>
             <None>41</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIODES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254543101</cusip>
         <value>10546</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>22594967</value>
         <shrsOrPrnAmt>
             <sshPrnamt>202918</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>138508</Sole>
             <Shared>0</Shared>
             <None>64410</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254709108</cusip>
         <value>14352798</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82854</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>57127</Sole>
             <Shared>0</Shared>
             <None>25727</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOCUSIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256163106</cusip>
         <value>6746</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>9684</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>124</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256677105</cusip>
         <value>281141</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3708</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1363</Sole>
             <Shared>0</Shared>
             <None>2345</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOLLAR TREE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>256746108</cusip>
         <value>29976</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25746U109</cusip>
         <value>808923</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15019</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>12472</Sole>
             <Shared>0</Shared>
             <None>2547</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOMINOS PIZZA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25754A201</cusip>
         <value>33663</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5</Sole>
             <Shared>0</Shared>
             <None>75</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOORDASH INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>25809K105</cusip>
         <value>3540</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10</Sole>
             <Shared>0</Shared>
             <None>11</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOVER CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>260003108</cusip>
         <value>2905549</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15488</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9730</Sole>
             <Shared>0</Shared>
             <None>5758</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>260557103</cusip>
         <value>7112157</value>
         <shrsOrPrnAmt>
             <sshPrnamt>177228</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>86542</Sole>
             <Shared>0</Shared>
             <None>90686</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DRAFTKINGS INC NEW</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>26142V105</cusip>
         <value>20675</value>
         <shrsOrPrnAmt>
             <sshPrnamt>556</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>556</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>26441C204</cusip>
         <value>10988968</value>
         <shrsOrPrnAmt>
             <sshPrnamt>101995</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>39490</Sole>
             <Shared>0</Shared>
             <None>62505</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26614N102</cusip>
         <value>3793185</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49747</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28065</Sole>
             <Shared>0</Shared>
             <None>21682</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DUTCH BROS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>26701L100</cusip>
         <value>3667</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>70</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DYNATRACE INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>268150109</cusip>
         <value>1087</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>20</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>E L F BEAUTY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26856L103</cusip>
         <value>60013</value>
         <shrsOrPrnAmt>
             <sshPrnamt>478</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>321</Sole>
             <Shared>0</Shared>
             <None>157</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ENI S P A</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>26874R108</cusip>
         <value>26348</value>
         <shrsOrPrnAmt>
             <sshPrnamt>963</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>963</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EOG RES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26875P101</cusip>
         <value>1630303</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11785</Sole>
             <Shared>0</Shared>
             <None>1515</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EQT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>26884L109</cusip>
         <value>156774</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ETFIS SER TR I</nameOfIssuer>
         <titleOfClass>VIRTUS INFRCAP</titleOfClass>
         <cusip>26923G822</cusip>
         <value>3986</value>
         <shrsOrPrnAmt>
             <sshPrnamt>182</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>182</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>277432100</cusip>
         <value>566138</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2873</Sole>
             <Shared>0</Shared>
             <None>3327</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EATON VANCE MUN BD FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27827X101</cusip>
         <value>17612</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1700</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EATON VANCE TAX ADVT DIV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27828G107</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EATON VANCE LTD DURATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>27828H105</cusip>
         <value>7816</value>
         <shrsOrPrnAmt>
             <sshPrnamt>800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>800</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EATON VANCE TAX-MANAGED GLOB</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>WTR ETF</titleOfClass>
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     <infoTable>
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         <titleOfClass>CAP STRENGTH ETF</titleOfClass>
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     <infoTable>
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         <cusip>337345102</cusip>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>GBL WND ENRG ETF</titleOfClass>
         <cusip>33736G106</cusip>
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             <None>25845</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NO AMER ENERGY</titleOfClass>
         <cusip>33738D101</cusip>
         <value>191868</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5382</sshPrnamt>
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     <infoTable>
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         <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>
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         <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
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         <cusip>376536108</cusip>
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         <nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>
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         <nameOfIssuer>INTERCONTINENTAL HOTELS GROU</nameOfIssuer>
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         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
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         <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
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         <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>INTUIT</nameOfIssuer>
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             <None>0</None>
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         <nameOfIssuer>INVESCO MUNICIPAL TRUST</nameOfIssuer>
         <titleOfClass>COM</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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         <cusip>46138G706</cusip>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>IONIS PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>462222100</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>IQVIA HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>130</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NORDSTROM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>655664100</cusip>
         <value>11351</value>
         <shrsOrPrnAmt>
             <sshPrnamt>470</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>470</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>655844108</cusip>
         <value>7467399</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31817</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>26352</Sole>
             <Shared>0</Shared>
             <None>5465</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>665859104</cusip>
         <value>352190</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3436</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2639</Sole>
             <Shared>0</Shared>
             <None>797</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>666807102</cusip>
         <value>10439536</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22245</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16039</Sole>
             <Shared>0</Shared>
             <None>6206</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GEN DIGITAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>668771108</cusip>
         <value>91340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3336</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3336</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>2455229</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25231</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10922</Sole>
             <Shared>0</Shared>
             <None>14309</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>670100205</cusip>
         <value>56204540</value>
         <shrsOrPrnAmt>
             <sshPrnamt>653389</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>609645</Sole>
             <Shared>0</Shared>
             <None>43744</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUCOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670346105</cusip>
         <value>4304265</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36880</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>33595</Sole>
             <Shared>0</Shared>
             <None>3285</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN SELECT MAT MUN FD</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>67061T101</cusip>
         <value>598159</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68675</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>39675</Sole>
             <Shared>0</Shared>
             <None>29000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN SELECT TAX-FREE INCOM</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>67062F100</cusip>
         <value>21649</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1429</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1429</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>1163742087</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8665888</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7414772</Sole>
             <Shared>0</Shared>
             <None>1251116</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MUN HIGH INCOME OPPOR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670682103</cusip>
         <value>1924</value>
         <shrsOrPrnAmt>
             <sshPrnamt>178</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>178</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>3592</value>
         <shrsOrPrnAmt>
             <sshPrnamt>293</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>293</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67074C103</cusip>
         <value>3610</value>
         <shrsOrPrnAmt>
             <sshPrnamt>241</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>241</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN DOW 30 DYNMC OVERWRT</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>67075F105</cusip>
         <value>200644</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13323</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>13323</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>1891590</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42270</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>33783</Sole>
             <Shared>0</Shared>
             <None>8487</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CHURCHILL DIRECT LEND</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67090S108</cusip>
         <value>8508249</value>
         <shrsOrPrnAmt>
             <sshPrnamt>507047</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>507047</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
         <cusip>67092P300</cusip>
         <value>254527</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6465</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>6465</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>5363279</value>
         <shrsOrPrnAmt>
             <sshPrnamt>128057</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5608</Sole>
             <Shared>0</Shared>
             <None>122449</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>O-I GLASS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67098H104</cusip>
         <value>10840</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>1067007</value>
         <shrsOrPrnAmt>
             <sshPrnamt>900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>531</Sole>
             <Shared>0</Shared>
             <None>369</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>674599105</cusip>
         <value>510554</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10333</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9125</Sole>
             <Shared>0</Shared>
             <None>1208</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>*W EXP 08/03/202</titleOfClass>
         <cusip>674599162</cusip>
         <value>16971</value>
         <shrsOrPrnAmt>
             <sshPrnamt>616</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>541</Sole>
             <Shared>0</Shared>
             <None>75</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OKTA INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>679295105</cusip>
         <value>867</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
         <value>28946644</value>
         <shrsOrPrnAmt>
             <sshPrnamt>164097</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>84578</Sole>
             <Shared>0</Shared>
             <None>79519</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681919106</cusip>
         <value>167950</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1952</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1952</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OMEGA HEALTHCARE INVS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681936100</cusip>
         <value>132740</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3507</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3175</Sole>
             <Shared>0</Shared>
             <None>332</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682189105</cusip>
         <value>326671</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5181</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1444</Sole>
             <Shared>0</Shared>
             <None>3737</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ONE GAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68235P108</cusip>
         <value>9003</value>
         <shrsOrPrnAmt>
             <sshPrnamt>130</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>130</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682680103</cusip>
         <value>2856943</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28456</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28312</Sole>
             <Shared>0</Shared>
             <None>144</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OPEN TEXT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>683715106</cusip>
         <value>1331</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>47</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OPKO HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68375N103</cusip>
         <value>2189</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1489</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1489</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68389X105</cusip>
         <value>39683223</value>
         <shrsOrPrnAmt>
             <sshPrnamt>238137</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>193054</Sole>
             <Shared>0</Shared>
             <None>45083</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>68622V106</cusip>
         <value>135862</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9106</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3123</Sole>
             <Shared>0</Shared>
             <None>5983</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ORION OFFICE REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68629Y103</cusip>
         <value>59</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ORMAT TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>686688102</cusip>
         <value>371851</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5491</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5491</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OSHKOSH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>688239201</cusip>
         <value>175499</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1846</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1430</Sole>
             <Shared>0</Shared>
             <None>416</None>
         </votingAuthority>
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         <nameOfIssuer>PARK NATL CORP</nameOfIssuer>
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         <nameOfIssuer>PERMIAN RESOURCES CORP</nameOfIssuer>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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         <nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>
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         <cusip>754907103</cusip>
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         <nameOfIssuer>REDDIT INC</nameOfIssuer>
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         <cusip>75734B100</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>758750103</cusip>
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         <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>7591EP100</cusip>
         <value>755721</value>
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         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
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         <nameOfIssuer>RELX PLC</nameOfIssuer>
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         <nameOfIssuer>REMITLY GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75960P104</cusip>
         <value>18056</value>
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             <sshPrnamt>800</sshPrnamt>
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         <nameOfIssuer>REPLIGEN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>759916109</cusip>
         <value>8636</value>
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             <sshPrnamt>60</sshPrnamt>
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             <None>50</None>
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         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>5813297</value>
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         <nameOfIssuer>RESMED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>RESIDEO TECHNOLOGIES INC</nameOfIssuer>
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         <nameOfIssuer>RESTAURANT BRANDS INTL INC</nameOfIssuer>
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         <nameOfIssuer>RINGCENTRAL INC</nameOfIssuer>
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         <value>2976</value>
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             <sshPrnamt>85</sshPrnamt>
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         <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
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         <nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>
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         <nameOfIssuer>ROBERT HALF INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>770323103</cusip>
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             <sshPrnamt>10040</sshPrnamt>
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         <nameOfIssuer>ROBLOX CORP</nameOfIssuer>
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         <nameOfIssuer>ROKU INC</nameOfIssuer>
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         <value>5501</value>
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         <nameOfIssuer>ROLLINS INC</nameOfIssuer>
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             <None>4750</None>
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         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
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         <nameOfIssuer>SHELL PLC</nameOfIssuer>
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         <value>40685354</value>
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         <nameOfIssuer>ROYAL GOLD INC</nameOfIssuer>
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         <value>1090</value>
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         <nameOfIssuer>SEI INVTS CO</nameOfIssuer>
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         <cusip>784117103</cusip>
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         <titleOfClass>COM</titleOfClass>
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     <infoTable>
         <nameOfIssuer>NEOS ETF TRUST</nameOfIssuer>
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         <cusip>78433H303</cusip>
         <value>2729</value>
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     <infoTable>
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     <infoTable>
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         <cusip>78463V107</cusip>
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         <cusip>78463X509</cusip>
         <value>25478</value>
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     <infoTable>
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     <infoTable>
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         <cusip>78464A201</cusip>
         <value>28912</value>
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         <cusip>78464A284</cusip>
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             <sshPrnamt>2737</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BBG CONV SEC ETF</titleOfClass>
         <cusip>78464A359</cusip>
         <value>63974</value>
         <shrsOrPrnAmt>
             <sshPrnamt>821</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>600</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
         <cusip>78464A375</cusip>
         <value>191286</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5839</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5839</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
         <cusip>78464A409</cusip>
         <value>69089</value>
         <shrsOrPrnAmt>
             <sshPrnamt>786</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO SHORT</titleOfClass>
         <cusip>78464A474</cusip>
         <value>143029</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4790</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <None>1790</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
         <cusip>78464A508</cusip>
         <value>9472</value>
         <shrsOrPrnAmt>
             <sshPrnamt>185</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <None>185</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>DJ REIT ETF</titleOfClass>
         <cusip>78464A607</cusip>
         <value>76518</value>
         <shrsOrPrnAmt>
             <sshPrnamt>774</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>164</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFLI TIPS ETF</titleOfClass>
         <cusip>78464A656</cusip>
         <value>3240</value>
         <shrsOrPrnAmt>
             <sshPrnamt>128</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
         <cusip>78464A664</cusip>
         <value>5683</value>
         <shrsOrPrnAmt>
             <sshPrnamt>217</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>373843</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1127</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
         <cusip>78464A805</cusip>
         <value>21929</value>
         <shrsOrPrnAmt>
             <sshPrnamt>307</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>307</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
         <cusip>78464A821</cusip>
         <value>556378</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6403</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
         <cusip>78464A839</cusip>
         <value>61914</value>
         <shrsOrPrnAmt>
             <sshPrnamt>772</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P BIOTECH</titleOfClass>
         <cusip>78464A870</cusip>
         <value>6285174</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69789</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>1413</value>
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             <sshPrnamt>19</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
         <titleOfClass>UT SER 1</titleOfClass>
         <cusip>78467X109</cusip>
         <value>1750933</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>9564</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
         <cusip>78468R622</cusip>
         <value>465989</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4881</sshPrnamt>
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             <None>4000</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>1099446</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
         <cusip>78468R796</cusip>
         <value>552030</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
         <cusip>78468R853</cusip>
         <value>34982036</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78473E103</cusip>
         <value>21828</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
         <titleOfClass>UNIT BEN INT</titleOfClass>
         <cusip>785688102</cusip>
         <value>275831</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SABRA HEALTH CARE REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573L106</cusip>
         <value>2892</value>
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             <None>87</None>
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     <infoTable>
         <nameOfIssuer>SAFETY INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78648T100</cusip>
         <value>559496</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1500</None>
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         <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>166523049</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>135107</None>
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         <nameOfIssuer>SAMSARA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>79589L106</cusip>
         <value>630053</value>
         <shrsOrPrnAmt>
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             <None>4559</None>
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         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>80105N105</cusip>
         <value>293721</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6090</sshPrnamt>
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             <None>3890</None>
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         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>7342003</value>
         <shrsOrPrnAmt>
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             <None>25584</None>
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     <infoTable>
         <nameOfIssuer>SAREPTA THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>803607100</cusip>
         <value>75507</value>
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             <sshPrnamt>621</sshPrnamt>
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             <None>415</None>
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         <nameOfIssuer>SASOL LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>803866300</cusip>
         <value>926</value>
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             <sshPrnamt>203</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>203</None>
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         <nameOfIssuer>SAUL CTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>804395101</cusip>
         <value>232800</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6000</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>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>22144</value>
         <shrsOrPrnAmt>
             <sshPrnamt>320</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>13026485</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>187216</Sole>
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             <None>152546</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>31149501</value>
         <shrsOrPrnAmt>
             <sshPrnamt>420882</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>231032</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US BRD MKT ETF</titleOfClass>
         <cusip>808524102</cusip>
         <value>150372</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6624</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>144</Sole>
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             <None>6480</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LRG CAP ETF</titleOfClass>
         <cusip>808524201</cusip>
         <value>3963695</value>
         <shrsOrPrnAmt>
             <sshPrnamt>170996</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>166071</Sole>
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             <None>4925</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LCAP VA ETF</titleOfClass>
         <cusip>808524409</cusip>
         <value>39105</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US MID-CAP ETF</titleOfClass>
         <cusip>808524508</cusip>
         <value>1712217</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61791</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>24501</Sole>
             <Shared>0</Shared>
             <None>37290</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US SML CAP ETF</titleOfClass>
         <cusip>808524607</cusip>
         <value>1652299</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63894</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>18994</Sole>
             <Shared>0</Shared>
             <None>44900</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>5 10YR CORP BD</titleOfClass>
         <cusip>808524698</cusip>
         <value>79915</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3621</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1821</Sole>
             <Shared>0</Shared>
             <None>1800</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
         <cusip>808524706</cusip>
         <value>1583637</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59468</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>59468</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>FUNDAMENTAL EMER</titleOfClass>
         <cusip>808524730</cusip>
         <value>12579</value>
         <shrsOrPrnAmt>
             <sshPrnamt>433</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>191</Sole>
             <Shared>0</Shared>
             <None>242</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>FUNDAMENTAL INTL</titleOfClass>
         <cusip>808524755</cusip>
         <value>272853</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8216</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8119</Sole>
             <Shared>0</Shared>
             <None>97</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>FUNDAMENTAL US S</titleOfClass>
         <cusip>808524763</cusip>
         <value>78319</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2637</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2637</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>FUNDAMENTAL US L</titleOfClass>
         <cusip>808524771</cusip>
         <value>107673</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4547</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4295</Sole>
             <Shared>0</Shared>
             <None>252</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>189134</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6923</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1682</Sole>
             <Shared>0</Shared>
             <None>5241</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>468143</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25305</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4123</Sole>
             <Shared>0</Shared>
             <None>21182</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US REIT ETF</titleOfClass>
         <cusip>808524847</cusip>
         <value>68908</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3272</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1272</Sole>
             <Shared>0</Shared>
             <None>2000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INT-TRM U.S TRES</titleOfClass>
         <cusip>808524854</cusip>
         <value>82124</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3381</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3381</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>9047</value>
         <shrsOrPrnAmt>
             <sshPrnamt>376</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>172</Sole>
             <Shared>0</Shared>
             <None>204</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>5760</value>
         <shrsOrPrnAmt>
             <sshPrnamt>223</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>223</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL SCEQT ETF</titleOfClass>
         <cusip>808524888</cusip>
         <value>2357338</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68667</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>68667</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>18909</value>
         <shrsOrPrnAmt>
             <sshPrnamt>178</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>23</Sole>
             <Shared>0</Shared>
             <None>155</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>33830</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>70261</value>
         <shrsOrPrnAmt>
             <sshPrnamt>835</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>570</Sole>
             <Shared>0</Shared>
             <None>265</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>3104423</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22566</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22288</Sole>
             <Shared>0</Shared>
             <None>278</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>498938</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6347</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5870</Sole>
             <Shared>0</Shared>
             <None>477</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>1666410</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7428</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7377</Sole>
             <Shared>0</Shared>
             <None>51</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>818626</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9557</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4328</Sole>
             <Shared>0</Shared>
             <None>5229</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>788158</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16308</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4990</Sole>
             <Shared>0</Shared>
             <None>11318</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>485931</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3688</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3574</Sole>
             <Shared>0</Shared>
             <None>114</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>2500288</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10753</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10480</Sole>
             <Shared>0</Shared>
             <None>273</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>7007</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>72</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>1081384</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26589</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>25575</Sole>
             <Shared>0</Shared>
             <None>1014</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>237304</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3135</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3135</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>560004</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6384</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5984</Sole>
             <Shared>0</Shared>
             <None>400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>38473</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>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>227274105</value>
         <shrsOrPrnAmt>
             <sshPrnamt>214385</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>170496</Sole>
             <Shared>0</Shared>
             <None>43889</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>3967980</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46825</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>46825</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>42966812</value>
         <shrsOrPrnAmt>
             <sshPrnamt>126399</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>67134</Sole>
             <Shared>0</Shared>
             <None>59265</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHINHAN FINANCIAL GROUP CO L</nameOfIssuer>
         <titleOfClass>SPN ADR RESTRD</titleOfClass>
         <cusip>824596100</cusip>
         <value>134315</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4085</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>4085</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>2207673</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20762</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9010</Sole>
             <Shared>0</Shared>
             <None>11752</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>17636220</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102411</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>52242</Sole>
             <Shared>0</Shared>
             <None>50169</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPSON MFG INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>33166</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SIX FLAGS ENTERTAINMENT CORP</nameOfIssuer>
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         <nameOfIssuer>SOLAREDGE TECHNOLOGIES INC</nameOfIssuer>
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         <value>5276946</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>397950</value>
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         <cusip>857477103</cusip>
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             <None>21630</None>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <value>634118</value>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>190840903</value>
         <shrsOrPrnAmt>
             <sshPrnamt>377260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>291098</Sole>
             <Shared>0</Shared>
             <None>86162</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITI GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91325V108</cusip>
         <value>2398</value>
         <shrsOrPrnAmt>
             <sshPrnamt>436</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>436</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITY SOFTWARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91332U101</cusip>
         <value>449400</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>20000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNIVERSAL DISPLAY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91347P105</cusip>
         <value>2374662</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16243</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16243</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNIVERSAL HLTH SVCS INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>913903100</cusip>
         <value>177626</value>
         <shrsOrPrnAmt>
             <sshPrnamt>990</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>990</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>V F CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>918204108</cusip>
         <value>61826</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2881</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2066</Sole>
             <Shared>0</Shared>
             <None>815</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91913Y100</cusip>
         <value>44018586</value>
         <shrsOrPrnAmt>
             <sshPrnamt>359072</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>279174</Sole>
             <Shared>0</Shared>
             <None>79898</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>919794107</cusip>
         <value>108910</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12021</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11482</Sole>
             <Shared>0</Shared>
             <None>539</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VALMONT INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>920253101</cusip>
         <value>551699</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1799</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1799</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VALVOLINE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92047W101</cusip>
         <value>25217</value>
         <shrsOrPrnAmt>
             <sshPrnamt>697</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>697</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK MERK GOLD ETF</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>921078101</cusip>
         <value>48070</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1900</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>GOLD MINERS ETF</titleOfClass>
         <cusip>92189F106</cusip>
         <value>23907</value>
         <shrsOrPrnAmt>
             <sshPrnamt>705</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>705</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>LOW CARBN ENERGY</titleOfClass>
         <cusip>92189F502</cusip>
         <value>9081</value>
         <shrsOrPrnAmt>
             <sshPrnamt>92</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>92</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
         <cusip>92189F643</cusip>
         <value>45639</value>
         <shrsOrPrnAmt>
             <sshPrnamt>492</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>492</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>SEMICONDUCTR ETF</titleOfClass>
         <cusip>92189F676</cusip>
         <value>54973</value>
         <shrsOrPrnAmt>
             <sshPrnamt>227</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>127</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>AGRIBUSINESS ETF</titleOfClass>
         <cusip>92189F700</cusip>
         <value>54842</value>
         <shrsOrPrnAmt>
             <sshPrnamt>850</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>850</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>BIOTECH ETF</titleOfClass>
         <cusip>92189F726</cusip>
         <value>313940</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>JP MRGAN EM LOC</titleOfClass>
         <cusip>92189H300</cusip>
         <value>10677</value>
         <shrsOrPrnAmt>
             <sshPrnamt>462</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>462</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>HIGH YLD MUNIETF</titleOfClass>
         <cusip>92189H409</cusip>
         <value>179090</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1950</Sole>
             <Shared>0</Shared>
             <None>1500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
         <titleOfClass>DIV APP ETF</titleOfClass>
         <cusip>921908844</cusip>
         <value>941087</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4806</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4306</Sole>
             <Shared>0</Shared>
             <None>500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>1328813</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22549</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2549</Sole>
             <Shared>0</Shared>
             <None>20000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ESG INTL STK ETF</titleOfClass>
         <cusip>921910725</cusip>
         <value>77849</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1373</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1373</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ESG US STK ETF</titleOfClass>
         <cusip>921910733</cusip>
         <value>24649</value>
         <shrsOrPrnAmt>
             <sshPrnamt>235</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>235</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA CAP VAL ETF</titleOfClass>
         <cusip>921910840</cusip>
         <value>99928</value>
         <shrsOrPrnAmt>
             <sshPrnamt>800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>800</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA CAP INDEX</titleOfClass>
         <cusip>921910873</cusip>
         <value>36571</value>
         <shrsOrPrnAmt>
             <sshPrnamt>172</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>47</Sole>
             <Shared>0</Shared>
             <None>125</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>500 GRTH IDX F</titleOfClass>
         <cusip>921932505</cusip>
         <value>5313</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>SMLLCP 600 IDX</titleOfClass>
         <cusip>921932828</cusip>
         <value>564167</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5320</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4246</Sole>
             <Shared>0</Shared>
             <None>1074</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>MIDCP 400 IDX</titleOfClass>
         <cusip>921932885</cusip>
         <value>82923</value>
         <shrsOrPrnAmt>
             <sshPrnamt>786</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>216</Sole>
             <Shared>0</Shared>
             <None>570</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>3400155</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45499</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>32950</Sole>
             <Shared>0</Shared>
             <None>12549</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>8784131</value>
         <shrsOrPrnAmt>
             <sshPrnamt>113681</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>106398</Sole>
             <Shared>0</Shared>
             <None>7283</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>15095319</value>
         <shrsOrPrnAmt>
             <sshPrnamt>209920</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>150905</Sole>
             <Shared>0</Shared>
             <None>59015</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>44393933</value>
         <shrsOrPrnAmt>
             <sshPrnamt>928355</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>718821</Sole>
             <Shared>0</Shared>
             <None>209534</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>2953544</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23149</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3436</Sole>
             <Shared>0</Shared>
             <None>19713</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>36315</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 BD INDEX FDS</nameOfIssuer>
         <titleOfClass>VANGUARD ULTRA</titleOfClass>
         <cusip>92203C303</cusip>
         <value>190193</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3833</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3833</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>5963</value>
         <shrsOrPrnAmt>
             <sshPrnamt>122</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</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>5934</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>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE SMCAP ETF</titleOfClass>
         <cusip>922042718</cusip>
         <value>30732926</value>
         <shrsOrPrnAmt>
             <sshPrnamt>268457</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1225</Sole>
             <Shared>0</Shared>
             <None>267232</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>TT WRLD ST ETF</titleOfClass>
         <cusip>922042742</cusip>
         <value>178687</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1521</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>560</Sole>
             <Shared>0</Shared>
             <None>961</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>58516410</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1019272</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>867460</Sole>
             <Shared>0</Shared>
             <None>151812</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>14316827</value>
         <shrsOrPrnAmt>
             <sshPrnamt>325087</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>106929</Sole>
             <Shared>0</Shared>
             <None>218158</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
         <cusip>922042866</cusip>
         <value>193229</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2720</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1280</Sole>
             <Shared>0</Shared>
             <None>1440</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
         <value>1632766</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25725</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15725</Sole>
             <Shared>0</Shared>
             <None>10000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>27495775</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73248</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3404</Sole>
             <Shared>0</Shared>
             <None>69844</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>CONSUM STP ETF</titleOfClass>
         <cusip>92204A207</cusip>
         <value>12777943</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>509</Sole>
             <Shared>0</Shared>
             <None>59941</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>15935798</value>
         <shrsOrPrnAmt>
             <sshPrnamt>131364</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>39661</Sole>
             <Shared>0</Shared>
             <None>91703</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>35825712</value>
         <shrsOrPrnAmt>
             <sshPrnamt>303428</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6547</Sole>
             <Shared>0</Shared>
             <None>296881</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>28530888</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112464</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2501</Sole>
             <Shared>0</Shared>
             <None>109963</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>INDUSTRIAL ETF</titleOfClass>
         <cusip>92204A603</cusip>
         <value>22302750</value>
         <shrsOrPrnAmt>
             <sshPrnamt>87671</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1478</Sole>
             <Shared>0</Shared>
             <None>86193</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>95471752</value>
         <shrsOrPrnAmt>
             <sshPrnamt>153541</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8630</Sole>
             <Shared>0</Shared>
             <None>144911</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>6737074</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35866</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>932</Sole>
             <Shared>0</Shared>
             <None>34934</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>772236</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4725</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3720</Sole>
             <Shared>0</Shared>
             <None>1005</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>COMM SRVC ETF</titleOfClass>
         <cusip>92204A884</cusip>
         <value>21360104</value>
         <shrsOrPrnAmt>
             <sshPrnamt>137843</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1501</Sole>
             <Shared>0</Shared>
             <None>136342</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHORT TERM TREAS</titleOfClass>
         <cusip>92206C102</cusip>
         <value>161042</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2768</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2618</Sole>
             <Shared>0</Shared>
             <None>150</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>28686553</value>
         <shrsOrPrnAmt>
             <sshPrnamt>367729</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>325156</Sole>
             <Shared>0</Shared>
             <None>42573</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>TOTAL CORP BND</titleOfClass>
         <cusip>92206C573</cusip>
         <value>40278</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>125777</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1408</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>718</Sole>
             <Shared>0</Shared>
             <None>690</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
         <cusip>92206C680</cusip>
         <value>38634</value>
         <shrsOrPrnAmt>
             <sshPrnamt>374</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>374</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INTER TERM TREAS</titleOfClass>
         <cusip>92206C706</cusip>
         <value>83829</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1445</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>633</Sole>
             <Shared>0</Shared>
             <None>812</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>7781566</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29175</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28576</Sole>
             <Shared>0</Shared>
             <None>599</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
         <cusip>92206C771</cusip>
         <value>158917</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3505</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3505</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>5370099</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16885</Sole>
             <Shared>0</Shared>
             <None>50015</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>81787</value>
         <shrsOrPrnAmt>
             <sshPrnamt>389</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>364</Sole>
             <Shared>0</Shared>
             <None>25</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>35628</value>
         <shrsOrPrnAmt>
             <sshPrnamt>605</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>291</Sole>
             <Shared>0</Shared>
             <None>314</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
         <titleOfClass>TAX EXEMPT BD</titleOfClass>
         <cusip>922907746</cusip>
         <value>6582244</value>
         <shrsOrPrnAmt>
             <sshPrnamt>131303</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>122438</Sole>
             <Shared>0</Shared>
             <None>8865</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>11061031</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20529</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>18251</Sole>
             <Shared>0</Shared>
             <None>2278</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>175197</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1083</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1056</Sole>
             <Shared>0</Shared>
             <None>27</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>623971</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2459</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1459</Sole>
             <Shared>0</Shared>
             <None>1000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>12145874</value>
         <shrsOrPrnAmt>
             <sshPrnamt>136348</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>58158</Sole>
             <Shared>0</Shared>
             <None>78190</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>6181391</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22072</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>20323</Sole>
             <Shared>0</Shared>
             <None>1749</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>4824502</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24344</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22876</Sole>
             <Shared>0</Shared>
             <None>1468</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>70566667</value>
         <shrsOrPrnAmt>
             <sshPrnamt>267166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6242</Sole>
             <Shared>0</Shared>
             <None>260924</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>LARGE CAP ETF</titleOfClass>
         <cusip>922908637</cusip>
         <value>4879668</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18093</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>17366</Sole>
             <Shared>0</Shared>
             <None>727</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>EXTEND MKT ETF</titleOfClass>
         <cusip>922908652</cusip>
         <value>154644</value>
         <shrsOrPrnAmt>
             <sshPrnamt>814</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>792</Sole>
             <Shared>0</Shared>
             <None>22</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>26120930</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63641</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>63081</Sole>
             <Shared>0</Shared>
             <None>560</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>4929887</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29119</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>27000</Sole>
             <Shared>0</Shared>
             <None>2119</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>114421614</value>
         <shrsOrPrnAmt>
             <sshPrnamt>476201</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>249110</Sole>
             <Shared>0</Shared>
             <None>227091</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>26391716</value>
         <shrsOrPrnAmt>
             <sshPrnamt>91066</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>68588</Sole>
             <Shared>0</Shared>
             <None>22478</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERASTEM INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>92337C203</cusip>
         <value>646</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>125</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERALTO CORP</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>92338C103</cusip>
         <value>5286051</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51900</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>43406</Sole>
             <Shared>0</Shared>
             <None>8494</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERISIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>1794136</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8669</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>400</Sole>
             <Shared>0</Shared>
             <None>8269</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>25891012</value>
         <shrsOrPrnAmt>
             <sshPrnamt>647437</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>466721</Sole>
             <Shared>0</Shared>
             <None>180716</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>6578152</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23883</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22006</Sole>
             <Shared>0</Shared>
             <None>1877</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>10005871</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24847</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>24482</Sole>
             <Shared>0</Shared>
             <None>365</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92537N108</cusip>
         <value>31626760</value>
         <shrsOrPrnAmt>
             <sshPrnamt>278380</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>265261</Sole>
             <Shared>0</Shared>
             <None>13119</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
         <titleOfClass>CLASS B COM</titleOfClass>
         <cusip>92556H206</cusip>
         <value>10455</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>800</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>252993</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20321</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11556</Sole>
             <Shared>0</Shared>
             <None>8765</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>4113</value>
         <shrsOrPrnAmt>
             <sshPrnamt>141</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>140</Sole>
             <Shared>0</Shared>
             <None>1</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIKING THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92686J106</cusip>
         <value>8853</value>
         <shrsOrPrnAmt>
             <sshPrnamt>220</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>220</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>238705066</value>
         <shrsOrPrnAmt>
             <sshPrnamt>755300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>559956</Sole>
             <Shared>0</Shared>
             <None>195344</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VISTEON CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>92839U206</cusip>
         <value>177440</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISTRA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92840M102</cusip>
         <value>3447</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>25</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIRTUS DIVIDEND INTEREST &amp; P</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92840R101</cusip>
         <value>4900</value>
         <shrsOrPrnAmt>
             <sshPrnamt>388</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>388</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>92857W308</cusip>
         <value>85741</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10099</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1400</Sole>
             <Shared>0</Shared>
             <None>8699</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VONTIER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>928881101</cusip>
         <value>309886</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8497</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2147</Sole>
             <Shared>0</Shared>
             <None>6350</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VORNADO RLTY TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>929042109</cusip>
         <value>63522</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1511</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1511</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VOYA FINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929089100</cusip>
         <value>2180672</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31682</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>31682</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929160109</cusip>
         <value>2862587</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11129</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11126</Sole>
             <Shared>0</Shared>
             <None>3</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WD 40 CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929236107</cusip>
         <value>169876</value>
         <shrsOrPrnAmt>
             <sshPrnamt>700</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>700</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WPP PLC NEW</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>92937A102</cusip>
         <value>1234</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>24</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92939U106</cusip>
         <value>1179074</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12538</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11098</Sole>
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             <None>1440</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WK KELLOGG CO</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>92942W107</cusip>
         <value>143434</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7973</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5723</Sole>
             <Shared>0</Shared>
             <None>2250</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WABTEC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929740108</cusip>
         <value>80210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>423</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>238</Sole>
             <Shared>0</Shared>
             <None>185</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WALMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
         <value>41711511</value>
         <shrsOrPrnAmt>
             <sshPrnamt>461666</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>379826</Sole>
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             <None>81840</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931427108</cusip>
         <value>52071</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5581</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>881</Sole>
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             <None>4700</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WARNER BROS DISCOVERY INC</nameOfIssuer>
         <titleOfClass>COM SER A</titleOfClass>
         <cusip>934423104</cusip>
         <value>143382</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13565</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>12140</Sole>
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             <None>1425</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WARNER MUSIC GROUP CORP</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>934550203</cusip>
         <value>372</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>WASTE CONNECTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106B101</cusip>
         <value>100203</value>
         <shrsOrPrnAmt>
             <sshPrnamt>584</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>484</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>94106L109</cusip>
         <value>9404148</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46604</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>36713</Sole>
             <Shared>0</Shared>
             <None>9891</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WATERS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>941848103</cusip>
         <value>596818</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1609</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>696</Sole>
             <Shared>0</Shared>
             <None>913</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WATSCO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>942622200</cusip>
         <value>50843</value>
         <shrsOrPrnAmt>
             <sshPrnamt>107</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>107</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>98850P109</cusip>
         <value>764169</value>
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         <nameOfIssuer>ZILLOW GROUP INC</nameOfIssuer>
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         <cusip>98954M200</cusip>
         <value>7405</value>
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             <sshPrnamt>100</sshPrnamt>
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         <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98956P102</cusip>
         <value>4700089</value>
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             <sshPrnamt>44496</sshPrnamt>
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         <nameOfIssuer>ZOETIS INC</nameOfIssuer>
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         <value>19549117</value>
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             <sshPrnamt>119985</sshPrnamt>
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         <nameOfIssuer>ZSCALER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>98980G102</cusip>
         <value>2887</value>
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             <sshPrnamt>16</sshPrnamt>
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         <cusip>98980L101</cusip>
         <value>65288</value>
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         <nameOfIssuer>DEUTSCHE BANK A G</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>D18190898</cusip>
         <value>162862</value>
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             <sshPrnamt>9552</sshPrnamt>
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             <None>9000</None>
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         <nameOfIssuer>ALLEGION PLC</nameOfIssuer>
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         <cusip>G0176J109</cusip>
         <value>381847</value>
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             <None>2921</None>
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         <nameOfIssuer>AMCOR PLC</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G0250X107</cusip>
         <value>1395785</value>
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             <sshPrnamt>148330</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>148330</None>
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         <nameOfIssuer>AMDOCS LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G02602103</cusip>
         <value>3235</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>38</Sole>
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         <nameOfIssuer>AON PLC</nameOfIssuer>
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         <cusip>G0403H108</cusip>
         <value>28019003</value>
         <shrsOrPrnAmt>
             <sshPrnamt>78013</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G0450A105</cusip>
         <value>41718328</value>
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             <sshPrnamt>451742</sshPrnamt>
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         <nameOfIssuer>ARCOS DORADOS HOLDINGS INC</nameOfIssuer>
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         <cusip>G0457F107</cusip>
         <value>79942</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10981</sshPrnamt>
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             <None>10981</None>
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         <nameOfIssuer>ASSURED GUARANTY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0585R106</cusip>
         <value>45005</value>
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             <sshPrnamt>500</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>BIOHAVEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G1110E107</cusip>
         <value>244962403</value>
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             <sshPrnamt>6558565</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
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         <cusip>G1151C101</cusip>
         <value>53808021</value>
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         <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
         <titleOfClass>LP INT UNIT</titleOfClass>
         <cusip>G16252101</cusip>
         <value>203083</value>
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             <sshPrnamt>6388</sshPrnamt>
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         <nameOfIssuer>BROOKFIELD RENEWABLE PARTNER</nameOfIssuer>
         <titleOfClass>PARTNERSHIP UNIT</titleOfClass>
         <cusip>G16258108</cusip>
         <value>34869</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1530</sshPrnamt>
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         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>1016</value>
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         <nameOfIssuer>CRH PLC</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G25508105</cusip>
         <value>1915</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21</sshPrnamt>
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         <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G25839104</cusip>
         <value>1950684</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>235587386</value>
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         <nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G3223R108</cusip>
         <value>21748</value>
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             <sshPrnamt>60</sshPrnamt>
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         <titleOfClass>COM SHS</titleOfClass>
         <cusip>G3265R107</cusip>
         <value>588349</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G3730V105</cusip>
         <value>1296</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>HELEN OF TROY LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G4388N106</cusip>
         <value>119660</value>
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             <sshPrnamt>2000</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>117857</value>
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             <None>560</None>
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         <nameOfIssuer>ICHOR HOLDINGS</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4740B105</cusip>
         <value>16110</value>
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             <None>0</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G491BT108</cusip>
         <value>7866</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>169331</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1375</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>875</None>
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         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>401866</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5091</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>1549</None>
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         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>109442688</value>
         <shrsOrPrnAmt>
             <sshPrnamt>261406</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>70732</None>
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         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>7086186</value>
         <shrsOrPrnAmt>
             <sshPrnamt>88710</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>43315</Sole>
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             <None>45395</None>
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         <nameOfIssuer>LIBERTY GLOBAL LTD</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>G61188101</cusip>
         <value>7592</value>
         <shrsOrPrnAmt>
             <sshPrnamt>595</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>LIBERTY GLOBAL LTD</nameOfIssuer>
         <titleOfClass>COM CL C</titleOfClass>
         <cusip>G61188127</cusip>
         <value>23376</value>
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             <sshPrnamt>1779</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>1779</Sole>
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             <None>0</None>
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         <nameOfIssuer>JOBY AVIATION INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>G65163100</cusip>
         <value>1626</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>200</Sole>
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             <None>0</None>
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         <nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>
         <titleOfClass>ORD SHS A</titleOfClass>
         <cusip>G65431127</cusip>
         <value>64370</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2050</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2050</None>
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         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>11579</value>
         <shrsOrPrnAmt>
             <sshPrnamt>450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>350</None>
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         <nameOfIssuer>NU HLDGS LTD</nameOfIssuer>
         <titleOfClass>ORD SHS CL A</titleOfClass>
         <cusip>G6683N103</cusip>
         <value>2072</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>2802330</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41114</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28673</Sole>
             <Shared>0</Shared>
             <None>12441</None>
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         <nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G7496G103</cusip>
         <value>99524</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>400</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>ROYALTY PHARMA PLC</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G7709Q104</cusip>
         <value>317242</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12436</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2216</Sole>
             <Shared>0</Shared>
             <None>10220</None>
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         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>411267</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4765</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2812</Sole>
             <Shared>0</Shared>
             <None>1953</None>
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         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>2719198</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27019</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>18165</Sole>
             <Shared>0</Shared>
             <None>8854</None>
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         <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8060N102</cusip>
         <value>153878</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5616</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>5616</None>
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         <nameOfIssuer>SMURFIT WESTROCK PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8267P108</cusip>
         <value>109228</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2028</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2028</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>STERIS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G8473T100</cusip>
         <value>252017</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1226</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>851</Sole>
             <Shared>0</Shared>
             <None>375</None>
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     <infoTable>
         <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G87052109</cusip>
         <value>456962</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3196</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1983</Sole>
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             <None>1213</None>
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         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>11789349</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31919</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>19690</Sole>
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             <None>12229</None>
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         <nameOfIssuer>VALARIS LTD</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>G9460G101</cusip>
         <value>118917</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2688</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2240</Sole>
             <Shared>0</Shared>
             <None>448</None>
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     <infoTable>
         <nameOfIssuer>WHITE MTNS INS GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>23341</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>
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     <infoTable>
         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>589518</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1882</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>339</Sole>
             <Shared>0</Shared>
             <None>1543</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>207216</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2441</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>78</Sole>
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             <None>2363</None>
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     <infoTable>
         <nameOfIssuer>BUNGE GLOBAL SA</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>H11356104</cusip>
         <value>7776</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>95504384</value>
         <shrsOrPrnAmt>
             <sshPrnamt>345655</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>232893</Sole>
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             <None>112762</None>
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     <infoTable>
         <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>25072</value>
         <shrsOrPrnAmt>
             <sshPrnamt>637</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>637</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>825</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4</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>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>136167</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4491</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>690</Sole>
             <Shared>0</Shared>
             <None>3801</None>
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     <infoTable>
         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>35493</value>
         <shrsOrPrnAmt>
             <sshPrnamt>431</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <None>431</None>
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     <infoTable>
         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>195505</value>
         <shrsOrPrnAmt>
             <sshPrnamt>437</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>182</Sole>
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             <None>255</None>
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         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>32112</value>
         <shrsOrPrnAmt>
             <sshPrnamt>172</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>172</None>
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         <nameOfIssuer>ELBIT SYS LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M3760D101</cusip>
         <value>51614</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Shared>0</Shared>
             <None>200</None>
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     <infoTable>
         <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N00985106</cusip>
         <value>749618</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7833</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>1911</Sole>
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             <None>5922</None>
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         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>11386858</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16429</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8075</Sole>
             <Shared>0</Shared>
             <None>8354</None>
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         <nameOfIssuer>ELASTIC N V</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>N14506104</cusip>
         <value>396</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>4</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CNH INDL N V</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N20944109</cusip>
         <value>191783</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16927</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3500</Sole>
             <Shared>0</Shared>
             <None>13427</None>
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     <infoTable>
         <nameOfIssuer>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>580331</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1366</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>297</Sole>
             <Shared>0</Shared>
             <None>1069</None>
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     <infoTable>
         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>62758</value>
         <shrsOrPrnAmt>
             <sshPrnamt>845</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>520</Sole>
             <Shared>0</Shared>
             <None>325</None>
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     <infoTable>
         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>89583</value>
         <shrsOrPrnAmt>
             <sshPrnamt>431</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>370</Sole>
             <Shared>0</Shared>
             <None>61</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>QIAGEN NV</nameOfIssuer>
         <titleOfClass>SHS NEW</titleOfClass>
         <cusip>N72482149</cusip>
         <value>20706</value>
         <shrsOrPrnAmt>
             <sshPrnamt>465</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>279</Sole>
             <Shared>0</Shared>
             <None>186</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
         <value>297129</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1288</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>539</Sole>
             <Shared>0</Shared>
             <None>749</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FLEX LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>Y2573F102</cusip>
         <value>23072</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>386190</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>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AB ACTIVE ETFS INC</nameOfIssuer>
         <titleOfClass>SHORT DURATION H</titleOfClass>
         <cusip>00039J830</cusip>
         <value>315536</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8846</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>12903</None>
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         <nameOfIssuer>CROWDSTRIKE HLDGS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>22788C105</cusip>
         <value>454046</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1252</Sole>
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             <None>75</None>
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         <nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22822V101</cusip>
         <value>1977296</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21786</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>21262</Sole>
             <Shared>357</Shared>
             <None>167</None>
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         <nameOfIssuer>CUMMINS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>231021106</cusip>
         <value>706611</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2027</sshPrnamt>
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         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1864</Sole>
             <Shared>90</Shared>
             <None>73</None>
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         <nameOfIssuer>CYTOKINETICS INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>23282W605</cusip>
         <value>334689</value>
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             <sshPrnamt>7115</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>233331107</cusip>
         <value>255385</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2115</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>2062</Sole>
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             <None>0</None>
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         <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>235851102</cusip>
         <value>9364262</value>
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             <sshPrnamt>40794</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>24313</Sole>
             <Shared>1000</Shared>
             <None>15481</None>
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         <nameOfIssuer>DARLING INGREDIENTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>237266101</cusip>
         <value>232089</value>
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             <sshPrnamt>6889</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>6780</Sole>
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             <None>0</None>
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         <nameOfIssuer>DATADOG INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>23804L103</cusip>
         <value>1056956</value>
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             <sshPrnamt>7397</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>7397</Sole>
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             <None>0</None>
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         <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>244199105</cusip>
         <value>5614024</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13250</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>108</None>
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         <nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>CL C</titleOfClass>
         <cusip>24703L202</cusip>
         <value>1438540</value>
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             <sshPrnamt>12483</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12470</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25179M103</cusip>
         <value>636991</value>
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             <sshPrnamt>19462</sshPrnamt>
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         <otherManager>5</otherManager>
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         <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
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         <cusip>25243Q205</cusip>
         <value>940125</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>6241</Sole>
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         <nameOfIssuer>DIAMONDBACK ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25278X109</cusip>
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             <sshPrnamt>4895</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>4895</Sole>
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             <None>0</None>
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         <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253868103</cusip>
         <value>368313</value>
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             <None>0</None>
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         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US EQUITY MARKET</titleOfClass>
         <cusip>25434V401</cusip>
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             <sshPrnamt>16675</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US TARGETED VLU</titleOfClass>
         <cusip>25434V609</cusip>
         <value>642984</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>8752</Sole>
             <Shared>2800</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQUITY 2</titleOfClass>
         <cusip>25434V708</cusip>
         <value>3663633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>105916</sshPrnamt>
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         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US MKTWIDE VALUE</titleOfClass>
         <cusip>25434V724</cusip>
         <value>209633</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US HIGH PROFITAB</titleOfClass>
         <cusip>25434V831</cusip>
         <value>2054701</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60808</sshPrnamt>
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         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>NATL MUN BD ETF</titleOfClass>
         <cusip>25434V849</cusip>
         <value>453815</value>
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     <infoTable>
         <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254709108</cusip>
         <value>693612</value>
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             <sshPrnamt>4004</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>DR REDDYS LABS LTD</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
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         <nameOfIssuer>DUN &amp; BRADSTREET HLDGS INC</nameOfIssuer>
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         <nameOfIssuer>DUTCH BROS INC</nameOfIssuer>
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         <nameOfIssuer>EOG RES INC</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
         <cusip>26884L109</cusip>
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         <nameOfIssuer>ECOLAB INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>278865100</cusip>
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         <nameOfIssuer>EDISON INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>263339</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>EMCOR GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29084Q100</cusip>
         <value>1032622</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>291011104</cusip>
         <value>4111749</value>
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             <sshPrnamt>33178</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29250N105</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <titleOfClass>COM UT LTD PTN</titleOfClass>
         <cusip>29273V100</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>51953</Sole>
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         <nameOfIssuer>ENTEGRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29362U104</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>29364G103</cusip>
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             <sshPrnamt>6262</sshPrnamt>
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         <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>90527</sshPrnamt>
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         <votingAuthority>
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         <nameOfIssuer>EQUINIX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29444U700</cusip>
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             <sshPrnamt>1972</sshPrnamt>
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         <nameOfIssuer>EQUITY RESIDENTIAL</nameOfIssuer>
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         <cusip>29476L107</cusip>
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             <sshPrnamt>5000</sshPrnamt>
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         <nameOfIssuer>ESSEX PPTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>297178105</cusip>
         <value>206372</value>
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             <sshPrnamt>723</sshPrnamt>
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         <nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30040W108</cusip>
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             <sshPrnamt>23059</sshPrnamt>
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         <nameOfIssuer>EXELIXIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30161Q104</cusip>
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             <sshPrnamt>34911</sshPrnamt>
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             <Sole>34911</Sole>
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         <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>674396</value>
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             <sshPrnamt>4508</sshPrnamt>
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             <Sole>4508</Sole>
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         <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30231G102</cusip>
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             <sshPrnamt>122306</sshPrnamt>
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         <nameOfIssuer>FB FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30257X104</cusip>
         <value>572791</value>
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             <sshPrnamt>11120</sshPrnamt>
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         <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>30303M102</cusip>
         <value>14092639</value>
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             <sshPrnamt>24069</sshPrnamt>
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         <nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>
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             <sshPrnamt>503</sshPrnamt>
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         <nameOfIssuer>FARMERS &amp; MERCHANTS BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30779N105</cusip>
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             <sshPrnamt>7096</sshPrnamt>
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         <nameOfIssuer>FASTENAL CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
         <value>1053480</value>
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         <otherManager>5</otherManager>
         <votingAuthority>
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         <nameOfIssuer>FEDEX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31428X106</cusip>
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         <nameOfIssuer>FIDELITY D &amp; D BANCORP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31609R100</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31620M106</cusip>
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             <sshPrnamt>3423</sshPrnamt>
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         <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
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         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
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         <nameOfIssuer>FIRST BANCORP INC ME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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     <infoTable>
         <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
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         <cusip>33734H106</cusip>
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         <cusip>33739Q200</cusip>
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         <cusip>33741X102</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>33939L860</cusip>
         <value>215953</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
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         <cusip>35137L105</cusip>
         <value>986027</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>35671D857</cusip>
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     <infoTable>
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         <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>7591EP100</cusip>
         <value>851893</value>
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             <sshPrnamt>36220</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
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         <value>3598169</value>
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             <sshPrnamt>16843</sshPrnamt>
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             <Sole>16843</Sole>
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     <infoTable>
         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>4611</sshPrnamt>
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             <Sole>4611</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>RESMED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>761152107</cusip>
         <value>230747</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1009</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>1009</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
         <value>2166858</value>
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             <sshPrnamt>7582</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>776696106</cusip>
         <value>706475</value>
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             <sshPrnamt>1359</sshPrnamt>
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         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>9008</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SHELL PLC</nameOfIssuer>
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         <cusip>780259305</cusip>
         <value>3941436</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>62879</Sole>
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     <infoTable>
         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>65053674</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SJW GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784305104</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
         <titleOfClass>TR UNIT</titleOfClass>
         <cusip>78462F103</cusip>
         <value>27058726</value>
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             <sshPrnamt>46169</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>989584</value>
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         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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         <cusip>78464A201</cusip>
         <value>333843</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3695</sshPrnamt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
         <cusip>78464A284</cusip>
         <value>1554522</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
         <cusip>78464A409</cusip>
         <value>255525</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>780711</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5910</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
         <cusip>78464A805</cusip>
         <value>348221</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4875</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
         <cusip>78467Y107</cusip>
         <value>4050283</value>
         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>544200</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11929</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>2045825</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43170</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>
         <cusip>78468R788</cusip>
         <value>541148</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12515</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
         <cusip>78468R853</cusip>
         <value>1816070</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40429</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
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         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>363</None>
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         <nameOfIssuer>SANOFI</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>80105N105</cusip>
         <value>203819</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4226</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <value>929706</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>2672575</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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         <cusip>808524201</cusip>
         <value>231220</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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         <cusip>808524607</cusip>
         <value>886144</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTERNL DIVID</titleOfClass>
         <cusip>808524672</cusip>
         <value>4276529</value>
         <shrsOrPrnAmt>
             <sshPrnamt>184971</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>FUNDAMENTAL US S</titleOfClass>
         <cusip>808524763</cusip>
         <value>410869</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>11154810</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US REIT ETF</titleOfClass>
         <cusip>808524847</cusip>
         <value>489055</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23222</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>21238</Sole>
             <Shared>0</Shared>
             <None>1984</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INT-TRM U.S TRES</titleOfClass>
         <cusip>808524854</cusip>
         <value>1642416</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67617</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <Shared>3137</Shared>
             <None>2745</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>2756674</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114575</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>111542</Sole>
             <Shared>1324</Shared>
             <None>1709</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>667489</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4852</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1975</Sole>
             <Shared>2877</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>232606</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2959</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2108</Sole>
             <Shared>851</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>398220</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1775</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>725</Sole>
             <Shared>1050</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>954765</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11146</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8296</Sole>
             <Shared>2850</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>1088633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22525</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>20925</Sole>
             <Shared>1600</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>1689953</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12826</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11062</Sole>
             <Shared>1764</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>1108887</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4769</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1967</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>1979205</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48665</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>48165</Sole>
             <Shared>500</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>467600</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>805268</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9180</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8715</Sole>
             <Shared>465</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>5820058</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5490</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5477</Sole>
             <Shared>13</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>3598498</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10586</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10535</Sole>
             <Shared>51</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>1289507</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7488</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7458</Sole>
             <Shared>0</Shared>
             <None>30</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982L103</cusip>
         <value>590724</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4483</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4432</Sole>
             <Shared>51</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>892731</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13088</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1588</Sole>
             <Shared>11500</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>330139</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2998</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2698</Sole>
             <Shared>300</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>475950</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1402</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>755</Sole>
             <Shared>647</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONY GROUP CORP</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>391354</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18495</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>15055</Sole>
             <Shared>3440</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>3311897</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40232</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>36058</Sole>
             <Shared>4174</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>854502101</cusip>
         <value>351830</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4382</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4164</Sole>
             <Shared>200</Shared>
             <None>18</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>2323680</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25465</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>19558</Sole>
             <Shared>3407</Shared>
             <None>2500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STARWOOD PPTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>85571B105</cusip>
         <value>195582</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10321</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5821</Sole>
             <Shared>4500</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STATE STR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>857477103</cusip>
         <value>537468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5476</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5470</Sole>
             <Shared>6</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>858119100</cusip>
         <value>4753638</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41673</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>41625</Sole>
             <Shared>48</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STIFEL FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>860630102</cusip>
         <value>5568404</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52492</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>52492</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>8154051</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22647</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18287</Sole>
             <Shared>310</Shared>
             <None>4050</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871607107</cusip>
         <value>386346</value>
         <shrsOrPrnAmt>
             <sshPrnamt>796</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>748</Sole>
             <Shared>48</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TD SYNNEX CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87162W100</cusip>
         <value>896840</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7647</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7647</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>11439015</value>
         <shrsOrPrnAmt>
             <sshPrnamt>94686</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>87832</Sole>
             <Shared>4722</Shared>
             <None>2132</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872590104</cusip>
         <value>1284427</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5819</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5660</Sole>
             <Shared>159</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>874039100</cusip>
         <value>4940606</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25017</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>23671</Sole>
             <Shared>125</Shared>
             <None>1221</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>1411819</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10444</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8409</Sole>
             <Shared>2023</Shared>
             <None>12</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TECK RESOURCES LTD</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>878742204</cusip>
         <value>283710</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TESLA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88160R101</cusip>
         <value>1329441</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3292</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3292</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TETRA TECH INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88162G103</cusip>
         <value>304776</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7650</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7650</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>3791826</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20222</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>19175</Sole>
             <Shared>341</Shared>
             <None>706</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883556102</cusip>
         <value>11535059</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22173</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>19253</Sole>
             <Shared>743</Shared>
             <None>2177</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>3M CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88579Y101</cusip>
         <value>1332854</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10325</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>891092108</cusip>
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         <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
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         <cusip>89151E109</cusip>
         <value>573067</value>
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         <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>920007</value>
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         <nameOfIssuer>TRANSDIGM GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>893641100</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>UNITED BANKSHARES INC WEST V</nameOfIssuer>
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         <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
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         <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
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         <nameOfIssuer>VANECK MERK GOLD ETF</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6515</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>313201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2666</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2666</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>2896448</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50452</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>45377</Sole>
             <Shared>5075</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>4189348</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95126</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>93722</Sole>
             <Shared>1404</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>769904</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2051</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2051</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>1304203</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10751</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10751</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>603101</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5108</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5108</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>268403</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1058</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1058</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>693928</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1116</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1103</Sole>
             <Shared>13</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>9035741</value>
         <shrsOrPrnAmt>
             <sshPrnamt>115828</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>112885</Sole>
             <Shared>242</Shared>
             <None>2701</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>222074</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2486</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2486</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>2273253</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8523</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8458</Sole>
             <Shared>0</Shared>
             <None>65</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
         <cusip>92206C771</cusip>
         <value>909791</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20066</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18175</Sole>
             <Shared>1821</Shared>
             <None>70</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>LG-TERM COR BD</titleOfClass>
         <cusip>92206C813</cusip>
         <value>218731</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2925</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2925</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>4988057</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62141</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>60862</Sole>
             <Shared>215</Shared>
             <None>1064</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>1346441</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6404</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6404</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>2804472</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55944</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>55599</Sole>
             <Shared>345</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>9882852</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18342</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>16933</Sole>
             <Shared>1230</Shared>
             <None>179</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>8699828</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53779</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>33119</Sole>
             <Shared>20484</Shared>
             <None>176</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>8386690</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33051</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>17677</Sole>
             <Shared>15255</Shared>
             <None>119</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>1763872</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19801</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18437</Sole>
             <Shared>1364</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>4655157</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16622</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10074</Sole>
             <Shared>6531</Shared>
             <None>17</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>6112267</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30842</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>21096</Sole>
             <Shared>9723</Shared>
             <None>23</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>4415724</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16718</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14904</Sole>
             <Shared>1814</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>47176383</value>
         <shrsOrPrnAmt>
             <sshPrnamt>114941</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>72448</Sole>
             <Shared>40682</Shared>
             <None>1811</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>18559173</value>
         <shrsOrPrnAmt>
             <sshPrnamt>109623</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>100021</Sole>
             <Shared>6019</Shared>
             <None>3583</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>6693239</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27856</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>27401</Sole>
             <Shared>455</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>1541209</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5318</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5131</Sole>
             <Shared>187</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERALTO CORP</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>92338C103</cusip>
         <value>1818021</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17850</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>17850</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>2867922</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71716</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>67794</Sole>
             <Shared>3896</Shared>
             <None>26</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>1577662</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5728</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5728</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92537N108</cusip>
         <value>674729</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5939</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5939</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIRTU FINL INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>928254101</cusip>
         <value>908698</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25468</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>25468</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>25697528</value>
         <shrsOrPrnAmt>
             <sshPrnamt>81311</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>69049</Sole>
             <Shared>3512</Shared>
             <None>8750</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VOYA FINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929089100</cusip>
         <value>206490</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>929160109</cusip>
         <value>3507844</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13637</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7919</Sole>
             <Shared>166</Shared>
             <None>5552</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92939U106</cusip>
         <value>877768</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9334</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9314</Sole>
             <Shared>0</Shared>
             <None>20</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WALMART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>931142103</cusip>
         <value>10872356</value>
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             <sshPrnamt>120336</sshPrnamt>
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         <cusip>G5960L103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>701094104</cusip>
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             <sshPrnamt>1209</sshPrnamt>
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         <nameOfIssuer>PARSONS CORP DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70202L102</cusip>
         <value>403593</value>
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             <sshPrnamt>4375</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <None>0</None>
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         <nameOfIssuer>PAYLOCITY HLDG CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70438V106</cusip>
         <value>339896</value>
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             <sshPrnamt>1704</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <None>0</None>
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         <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>70450Y103</cusip>
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             <sshPrnamt>7996</sshPrnamt>
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             <Sole>7996</Sole>
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             <None>0</None>
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         <nameOfIssuer>P T TELEKOMUNIKASI INDONESIA</nameOfIssuer>
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         <cusip>715684106</cusip>
         <value>392529</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23862</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>23862</Sole>
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             <None>0</None>
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         <nameOfIssuer>PFIZER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>717081103</cusip>
         <value>2033789</value>
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             <sshPrnamt>76660</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
         <titleOfClass>ACTIVE BD ETF</titleOfClass>
         <cusip>72201R775</cusip>
         <value>934489</value>
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             <sshPrnamt>10335</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
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             <None>8121</None>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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         <cusip>72201R833</cusip>
         <value>413601</value>
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             <sshPrnamt>4122</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>PLAINS ALL AMERN PIPELINE L</nameOfIssuer>
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         <cusip>726503105</cusip>
         <value>226480</value>
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             <sshPrnamt>13260</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>13260</Sole>
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             <None>0</None>
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         <nameOfIssuer>PLEXUS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>729132100</cusip>
         <value>265233</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1695</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <None>0</None>
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         <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>743315103</cusip>
         <value>317722</value>
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             <sshPrnamt>1326</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>1326</Sole>
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             <None>0</None>
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         <nameOfIssuer>PURE STORAGE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>74624M102</cusip>
         <value>301989</value>
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             <sshPrnamt>4916</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>4916</Sole>
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         <nameOfIssuer>Q2 HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74736L109</cusip>
         <value>251021</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2494</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74762E102</cusip>
         <value>607131</value>
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             <sshPrnamt>1921</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74834L100</cusip>
         <value>200643</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1330</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>1330</Sole>
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             <None>0</None>
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         <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
         <value>256666</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2218</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>1257</Sole>
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         <nameOfIssuer>REGAL REXNORD CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>758750103</cusip>
         <value>1373520</value>
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             <sshPrnamt>8854</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>8854</Sole>
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             <None>0</None>
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         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>759351604</cusip>
         <value>364880</value>
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             <sshPrnamt>1708</sshPrnamt>
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         <otherManager>6</otherManager>
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         <nameOfIssuer>REMITLY GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75960P104</cusip>
         <value>254657</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11283</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>RENTOKIL INITIAL PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>760125104</cusip>
         <value>681386</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26911</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>REPAY HLDGS CORP</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>76029L100</cusip>
         <value>160405</value>
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             <sshPrnamt>21023</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>767204100</cusip>
         <value>590981</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SHELL PLC</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>780259305</cusip>
         <value>1094934</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>RYDER SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>783549108</cusip>
         <value>231995</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
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         <cusip>78410G104</cusip>
         <value>1473474</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
         <titleOfClass>TR UNIT</titleOfClass>
         <cusip>78462F103</cusip>
         <value>722636</value>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>78463V107</cusip>
         <value>781837</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>78468R739</cusip>
         <value>632561</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78473E103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78573M104</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <value>1253701</value>
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         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
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         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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         <cusip>808524797</cusip>
         <value>1283903</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3742</Sole>
             <Shared>0</Shared>
             <None>172</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>472552</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3435</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>730810</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3143</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3143</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>1580638</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1491</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>1491</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>202597</value>
         <shrsOrPrnAmt>
             <sshPrnamt>596</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>593</Sole>
             <Shared>0</Shared>
             <None>3</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82509L107</cusip>
         <value>361522</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONY GROUP CORP</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>2875981</value>
         <shrsOrPrnAmt>
             <sshPrnamt>135916</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>135916</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHSTATE CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>840441109</cusip>
         <value>303612</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3052</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3052</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>1659837</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18190</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>17815</Sole>
             <Shared>375</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>311802</value>
         <shrsOrPrnAmt>
             <sshPrnamt>866</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>755</Sole>
             <Shared>111</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SYSCO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871829107</cusip>
         <value>2363301</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30909</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>30862</Sole>
             <Shared>0</Shared>
             <None>47</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>275445</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2280</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>560</Sole>
             <Shared>1720</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>874039100</cusip>
         <value>2403255</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12169</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>12169</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>1632432</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12076</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>12053</Sole>
             <Shared>0</Shared>
             <None>23</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGA RES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612G101</cusip>
         <value>355215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1990</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>1990</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TESLA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88160R101</cusip>
         <value>2551057</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6317</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>6300</Sole>
             <Shared>0</Shared>
             <None>17</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>2714581</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14477</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>13545</Sole>
             <Shared>932</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>88339J105</cusip>
         <value>306518</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2608</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>2608</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883556102</cusip>
         <value>452599</value>
         <shrsOrPrnAmt>
             <sshPrnamt>870</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>517</Sole>
             <Shared>345</Shared>
             <None>8</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>3M CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88579Y101</cusip>
         <value>515198</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3991</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>3991</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>89151E109</cusip>
         <value>853197</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15655</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>15655</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRANSDIGM GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>893641100</cusip>
         <value>694469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>548</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>548</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRUSTMARK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>898402102</cusip>
         <value>258519</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7309</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7309</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90353T100</cusip>
         <value>447453</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7418</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7357</Sole>
             <Shared>0</Shared>
             <None>61</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>904767704</cusip>
         <value>1109959</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19576</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>15870</Sole>
             <Shared>3706</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>907818108</cusip>
         <value>2226353</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9763</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>9747</Sole>
             <Shared>0</Shared>
             <None>16</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED CMNTY BKS BLAIRSVLE G</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>90984P303</cusip>
         <value>251630</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7788</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7788</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED BANKSHARES INC WEST V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>909907107</cusip>
         <value>221695</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5904</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>5904</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>824044</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1629</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>684</Sole>
             <Shared>793</Shared>
             <None>152</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>271785</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4612</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>4612</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>213497</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2763</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2763</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>411012</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8595</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>8595</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>1209553</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9480</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>9215</Sole>
             <Shared>0</Shared>
             <None>265</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL DVD ETF</titleOfClass>
         <cusip>921946810</cusip>
         <value>566568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7083</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>50</Sole>
             <Shared>0</Shared>
             <None>7033</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>14825316</value>
         <shrsOrPrnAmt>
             <sshPrnamt>336633</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>333773</Sole>
             <Shared>2860</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>4172005</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7743</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>7694</Sole>
             <Shared>0</Shared>
             <None>49</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>1510419</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3680</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>439</Sole>
             <Shared>0</Shared>
             <None>3241</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>1987920</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11742</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
         <votingAuthority>
             <Sole>4795</Sole>
             <Shared>0</Shared>
             <None>6947</None>
         </votingAuthority>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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             <None>100</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>704326107</cusip>
         <value>195747</value>
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             <Sole>816</Sole>
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             <None>580</None>
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         <nameOfIssuer>PEMBINA PIPELINE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>706327103</cusip>
         <value>29560</value>
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             <sshPrnamt>800</sshPrnamt>
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         <nameOfIssuer>PEPSICO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>713448108</cusip>
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         <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718546104</cusip>
         <value>98549</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>744320102</cusip>
         <value>1185</value>
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         <cusip>745867101</cusip>
         <value>65340</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>747525103</cusip>
         <value>158997</value>
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             <None>728</None>
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         <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>74834L100</cusip>
         <value>8448</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
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             <None>673</None>
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         <nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>759351604</cusip>
         <value>42726</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
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             <None>50620</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
         <value>85737</value>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>778296103</cusip>
         <value>21178</value>
         <shrsOrPrnAmt>
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         <cusip>780259305</cusip>
         <value>15913</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>252</None>
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         <cusip>78463V107</cusip>
         <value>39740137</value>
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         <votingAuthority>
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             <None>13307</None>
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         <shrsOrPrnAmt>
             <sshPrnamt>92482</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG MU</titleOfClass>
         <cusip>78468R721</cusip>
         <value>3712921</value>
         <shrsOrPrnAmt>
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             <None>5800</None>
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     <infoTable>
         <nameOfIssuer>SPDR SER TR</nameOfIssuer>
         <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
         <cusip>78468R739</cusip>
         <value>7202237</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
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             <Sole>10</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>19697</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>80</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>8414</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>16200921</value>
         <shrsOrPrnAmt>
             <sshPrnamt>117765</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>109970</Sole>
             <Shared>0</Shared>
             <None>7795</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>5185575</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65966</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>61474</Sole>
             <Shared>0</Shared>
             <None>4492</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>13678862</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60971</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>56917</Sole>
             <Shared>0</Shared>
             <None>4054</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>3566283</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41633</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>38977</Sole>
             <Shared>0</Shared>
             <None>2656</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>13151250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>272114</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>254641</Sole>
             <Shared>0</Shared>
             <None>17473</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>10360580</value>
         <shrsOrPrnAmt>
             <sshPrnamt>78632</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>73285</Sole>
             <Shared>0</Shared>
             <None>5347</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>23791260</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102319</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>95521</Sole>
             <Shared>0</Shared>
             <None>6798</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>9761546</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100832</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>94380</Sole>
             <Shared>0</Shared>
             <None>6452</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>6218602</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82159</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>77190</Sole>
             <Shared>0</Shared>
             <None>4969</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>28214</value>
         <shrsOrPrnAmt>
             <sshPrnamt>83</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>83</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83088M102</cusip>
         <value>2838</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>32</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>37722474</value>
         <shrsOrPrnAmt>
             <sshPrnamt>111118</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>104459</Sole>
             <Shared>0</Shared>
             <None>6659</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>55648</value>
         <shrsOrPrnAmt>
             <sshPrnamt>676</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>676</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>11954</value>
         <shrsOrPrnAmt>
             <sshPrnamt>131</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>131</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>209910</value>
         <shrsOrPrnAmt>
             <sshPrnamt>583</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>94</Sole>
             <Shared>0</Shared>
             <None>489</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871607107</cusip>
         <value>33004</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>6805</value>
         <shrsOrPrnAmt>
             <sshPrnamt>89</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>89</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>74744032</value>
         <shrsOrPrnAmt>
             <sshPrnamt>618691</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>583900</Sole>
             <Shared>0</Shared>
             <None>34791</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872590104</cusip>
         <value>131334</value>
         <shrsOrPrnAmt>
             <sshPrnamt>595</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>95</Sole>
             <Shared>0</Shared>
             <None>500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>874039100</cusip>
         <value>88871</value>
         <shrsOrPrnAmt>
             <sshPrnamt>450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>450</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>718482</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5315</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>5265</Sole>
             <Shared>0</Shared>
             <None>50</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>194265844</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1036029</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>971784</Sole>
             <Shared>0</Shared>
             <None>64245</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TEXTRON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883203101</cusip>
         <value>9332</value>
         <shrsOrPrnAmt>
             <sshPrnamt>122</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>122</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>883556102</cusip>
         <value>5202</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>10</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>THOMSON REUTERS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>884903808</cusip>
         <value>49557</value>
         <shrsOrPrnAmt>
             <sshPrnamt>309</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>109</Sole>
             <Shared>0</Shared>
             <None>200</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>89151E109</cusip>
         <value>13189</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>TRACTOR SUPPLY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>892356106</cusip>
         <value>204778553</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3859377</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>3613014</Sole>
             <Shared>0</Shared>
             <None>246363</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>902973304</cusip>
         <value>9518</value>
         <shrsOrPrnAmt>
             <sshPrnamt>199</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>199</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>904767704</cusip>
         <value>10376</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>183</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>907818108</cusip>
         <value>173510702</value>
         <shrsOrPrnAmt>
             <sshPrnamt>760878</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>711823</Sole>
             <Shared>0</Shared>
             <None>49055</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>911312106</cusip>
         <value>38965</value>
         <shrsOrPrnAmt>
             <sshPrnamt>309</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>309</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>187063216</value>
         <shrsOrPrnAmt>
             <sshPrnamt>369792</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>345920</Sole>
             <Shared>0</Shared>
             <None>23872</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>41601424</value>
         <shrsOrPrnAmt>
             <sshPrnamt>869959</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>797104</Sole>
             <Shared>0</Shared>
             <None>72855</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>64987052</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1475648</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1353595</Sole>
             <Shared>0</Shared>
             <None>122053</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>96109</value>
         <shrsOrPrnAmt>
             <sshPrnamt>814</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>814</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
         <titleOfClass>TAX EXEMPT BD</titleOfClass>
         <cusip>922907746</cusip>
         <value>13084</value>
         <shrsOrPrnAmt>
             <sshPrnamt>261</sshPrnamt>
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         <cusip>G25508105</cusip>
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         <cusip>G4705A100</cusip>
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         <cusip>G51502105</cusip>
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         <cusip>G54950103</cusip>
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