<SEC-DOCUMENT>0000720672-25-000015.txt : 20251112
<SEC-HEADER>0000720672-25-000015.hdr.sgml : 20251112
<ACCEPTANCE-DATETIME>20251112134451
ACCESSION NUMBER:		0000720672-25-000015
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250930
FILED AS OF DATE:		20251112
DATE AS OF CHANGE:		20251112
EFFECTIVENESS DATE:		20251112

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
		EIN:				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:		251471458

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

	MAIL ADDRESS:	
		STREET 1:		ATTN: JAMES G. LASCHOBER
		STREET 2:		501 N. BROADWAY
		CITY:			ST. LOUIS
		STATE:			MO
		ZIP:			63102-2102
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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          <com:street1>ATTN: JAMES G. LASCHOBER</com:street1>
          <com:street2>501 N. BROADWAY</com:street2>
          <com:city>ST. LOUIS</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>63102-2102</com:zipCode>
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      <name>James M. Zemlyak</name>
      <title>President</title>
      <phone>314 342-2000</phone>
      <signature>/s/ James M. Zemlyak</signature>
      <city>St. Louis</city>
      <stateOrCountry>MO</stateOrCountry>
      <signatureDate>11-12-2025</signatureDate>
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         <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN</nameOfIssuer>
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         <cusip>035710839</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>CONNECTONE BANCORP INC</nameOfIssuer>
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             <None>374</None>
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         <value>30032</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>7</None>
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         <value>5602</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>29</None>
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         <value>5242</value>
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             <None>420</None>
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             <None>111</None>
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         <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>29</None>
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         <nameOfIssuer>AVIENT CORPORATION</nameOfIssuer>
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             <None>245</None>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>AVISTA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>716</None>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM NEW</titleOfClass>
         <cusip>054540208</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>05464C101</cusip>
         <value>33011</value>
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             <None>46</None>
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         <nameOfIssuer>AXSOME THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>05464T104</cusip>
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         <nameOfIssuer>THE BALDWIN INSURANCE GRP IN</nameOfIssuer>
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         <value>22512</value>
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             <None>798</None>
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             <None>157</None>
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         <value>4286</value>
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             <None>24</None>
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             <None>250</None>
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             <sshPrnamt>27</sshPrnamt>
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             <None>27</None>
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         <value>2218</value>
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         <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
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             <None>12972</None>
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         <nameOfIssuer>BAUSCH PLUS LOMB CORP</nameOfIssuer>
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             <None>4161</None>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>075887109</cusip>
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             <None>88</None>
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         <titleOfClass>COM</titleOfClass>
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             <None>124</None>
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         <nameOfIssuer>BERKLEY W R CORP</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>088606108</cusip>
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             <None>2070</None>
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         <nameOfIssuer>BIGBEAR AI HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>177</None>
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         <nameOfIssuer>BIO RAD LABS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
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         <value>3365</value>
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             <None>312</None>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BLACK DIAMOND THERAPEUTICS I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09203E105</cusip>
         <value>1497</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>395</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>092113109</cusip>
         <value>27716</value>
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             <None>450</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>09239B109</cusip>
         <value>33879</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>638</None>
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         <nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09260D107</cusip>
         <value>1839884</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>10769</None>
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         <value>66</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>13</None>
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         <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09290D101</cusip>
         <value>369639</value>
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             <sshPrnamt>317</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>317</None>
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         <nameOfIssuer>BLOCK H &amp; R INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>093671105</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>28</None>
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         <nameOfIssuer>BLOOM ENERGY CORP</nameOfIssuer>
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         <value>14631</value>
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             <None>716</None>
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             <None>436</None>
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             <None>266</None>
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             <None>916</None>
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             <None>394</None>
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             <None>6202</None>
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             <None>149</None>
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             <None>3269</None>
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         <value>672</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>17015</value>
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         <value>831</value>
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         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
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         <value>91340</value>
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             <None>1510</None>
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         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>352</None>
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         <cusip>31946M103</cusip>
         <value>21470</value>
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         <nameOfIssuer>FIRST CMNTY BANKSHARES INC V</nameOfIssuer>
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         <cusip>31983A103</cusip>
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         <nameOfIssuer>FIRST FINL BANCORP OH</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320209109</cusip>
         <value>606</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>320517105</cusip>
         <value>7800</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>345</None>
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     <infoTable>
         <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32051X108</cusip>
         <value>21950</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>884</None>
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             <None>368</None>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>130</None>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>HBT FINL INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>HAEMONETICS CORP MASS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>199</None>
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         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
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             <None>158</None>
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             <None>625</None>
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             <None>158</None>
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             <None>1152</None>
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             <None>664</None>
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         <nameOfIssuer>KULICKE &amp; SOFFA INDS INC</nameOfIssuer>
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             <None>219</None>
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         <nameOfIssuer>LCI INDS</nameOfIssuer>
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             <None>100</None>
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             <None>730</None>
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             <None>406</None>
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             <None>22</None>
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             <None>53</None>
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             <None>516</None>
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             <None>14</None>
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             <None>72</None>
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         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>674599105</cusip>
         <value>2126</value>
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             <None>45</None>
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         <nameOfIssuer>OCEANFIRST FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>675234108</cusip>
         <value>17008</value>
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             <sshPrnamt>968</sshPrnamt>
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             <None>968</None>
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         <nameOfIssuer>OIL STS INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>678026105</cusip>
         <value>297</value>
         <shrsOrPrnAmt>
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             <None>49</None>
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         <nameOfIssuer>OKTA INC</nameOfIssuer>
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         <cusip>679295105</cusip>
         <value>13572</value>
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             <None>148</None>
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         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
         <value>14501</value>
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             <None>103</None>
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         <nameOfIssuer>OLD REP INTL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>15502</value>
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             <None>365</None>
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         <nameOfIssuer>OLIN CORP</nameOfIssuer>
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             <None>10127</None>
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         <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
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             <None>112</None>
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         <value>6849</value>
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             <None>84</None>
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         <nameOfIssuer>OMEGA HEALTHCARE INVS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>681936100</cusip>
         <value>2153</value>
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             <None>51</None>
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         <nameOfIssuer>OMEGA FLEX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682095104</cusip>
         <value>624</value>
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             <None>20</None>
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         <nameOfIssuer>OMEROS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682143102</cusip>
         <value>66</value>
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             <None>16</None>
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         <nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>9221</value>
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             <None>187</None>
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         <nameOfIssuer>ONE GAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68235P108</cusip>
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             <None>162</None>
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         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>682680103</cusip>
         <value>22256</value>
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             <None>305</None>
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         <nameOfIssuer>ONEMAIN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>34948</value>
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             <None>619</None>
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         <nameOfIssuer>ONESPAN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68287N100</cusip>
         <value>3671</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>231</None>
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         <nameOfIssuer>OPKO HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68375N103</cusip>
         <value>634</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>409</None>
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         <nameOfIssuer>OPPENHEIMER HLDGS INC</nameOfIssuer>
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         <value>221730</value>
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             <None>3000</None>
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         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68389X105</cusip>
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             <None>891</None>
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         <nameOfIssuer>OPTION CARE HEALTH INC</nameOfIssuer>
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         <value>41140</value>
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             <None>1482</None>
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         <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
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             <None>324</None>
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         <nameOfIssuer>ORION PROPERTIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>228</None>
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         <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>13348</value>
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             <None>146</None>
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         <nameOfIssuer>OTTER TAIL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>689648103</cusip>
         <value>3771</value>
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             <None>46</None>
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         <nameOfIssuer>OUTFRONT MEDIA INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>69007J304</cusip>
         <value>3169</value>
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             <None>173</None>
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         <nameOfIssuer>BED BATH &amp; BEYOND INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>690370101</cusip>
         <value>754</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>77</None>
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         <nameOfIssuer>OVINTIV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69047Q102</cusip>
         <value>3230</value>
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             <sshPrnamt>80</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>80</None>
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         <nameOfIssuer>OXFORD INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>691497309</cusip>
         <value>1257</value>
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             <sshPrnamt>31</sshPrnamt>
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             <None>31</None>
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         <nameOfIssuer>PBF ENERGY INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>69318G106</cusip>
         <value>2172</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>72</None>
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         <nameOfIssuer>PG&amp;E CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69331C108</cusip>
         <value>5022</value>
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             <sshPrnamt>333</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>333</None>
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     <infoTable>
         <nameOfIssuer>PJT PARTNERS INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>69343T107</cusip>
         <value>31458</value>
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             <sshPrnamt>177</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>177</None>
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         <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693475105</cusip>
         <value>63293</value>
         <shrsOrPrnAmt>
             <sshPrnamt>315</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>315</None>
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         <nameOfIssuer>TXNM ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69349H107</cusip>
         <value>5881</value>
         <shrsOrPrnAmt>
             <sshPrnamt>104</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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             <None>104</None>
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     <infoTable>
         <nameOfIssuer>PPG INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
         <value>8094</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>77</None>
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     <infoTable>
         <nameOfIssuer>PPL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69351T106</cusip>
         <value>3605</value>
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             <sshPrnamt>97</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Shared>0</Shared>
             <None>97</None>
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     <infoTable>
         <nameOfIssuer>PACCAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693718108</cusip>
         <value>43654</value>
         <shrsOrPrnAmt>
             <sshPrnamt>444</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>444</None>
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     <infoTable>
         <nameOfIssuer>PACER FDS TR</nameOfIssuer>
         <titleOfClass>US CASH COWS 100</titleOfClass>
         <cusip>69374H881</cusip>
         <value>31789</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>553</None>
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     <infoTable>
         <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>695156109</cusip>
         <value>50996</value>
         <shrsOrPrnAmt>
             <sshPrnamt>234</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>921908844</cusip>
         <value>16616</value>
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             <None>77</None>
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             <None>7130</None>
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         <cusip>921946794</cusip>
         <value>509350</value>
         <shrsOrPrnAmt>
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             <None>6015</None>
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         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
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         <cusip>922042775</cusip>
         <value>79364</value>
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             <None>1112</None>
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         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>978</value>
         <shrsOrPrnAmt>
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             <None>10</None>
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         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
         <cusip>92206C771</cusip>
         <value>2113</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>45</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92242T101</cusip>
         <value>232</value>
         <shrsOrPrnAmt>
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             <None>4</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92243G108</cusip>
         <value>3242</value>
         <shrsOrPrnAmt>
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             <None>90</None>
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         <cusip>922475108</cusip>
         <value>20853</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>70</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>29816</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>426</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
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         <cusip>922908363</cusip>
         <value>248014</value>
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             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>405</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>698</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>4</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>881</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>3</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>433929</value>
         <shrsOrPrnAmt>
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         <votingAuthority>
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             <None>1458</None>
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         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>311604</value>
         <shrsOrPrnAmt>
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             <Sole>0</Sole>
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             <None>1493</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>16449</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>56</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>1066652</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2224</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>2224</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>498674</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2674</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>2674</None>
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         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>24411</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>96</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>121094</value>
         <shrsOrPrnAmt>
             <sshPrnamt>369</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>369</None>
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         <titleOfClass>COM NEW</titleOfClass>
         <cusip>92337C203</cusip>
         <value>371</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>42</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92337F107</cusip>
         <value>2197</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>64</None>
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         <titleOfClass>COM SHS</titleOfClass>
         <cusip>92338C103</cusip>
         <value>10022</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>94</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>5312</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>19</None>
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         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>477957</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>10875</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>92343X100</cusip>
         <value>1863</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>92</None>
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         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>41750</value>
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             <sshPrnamt>166</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>166</None>
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         <nameOfIssuer>VERICEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92346J108</cusip>
         <value>944</value>
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             <sshPrnamt>30</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>30</None>
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         <titleOfClass>CL A COM STK</titleOfClass>
         <cusip>92511U102</cusip>
         <value>3606</value>
         <shrsOrPrnAmt>
             <sshPrnamt>146</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>146</None>
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         <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>57571</value>
         <shrsOrPrnAmt>
             <sshPrnamt>147</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>147</None>
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     <infoTable>
         <nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92537N108</cusip>
         <value>5582</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>37</None>
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         <titleOfClass>CL A</titleOfClass>
         <cusip>92538J106</cusip>
         <value>868</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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     <infoTable>
         <nameOfIssuer>VIAVI SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925550105</cusip>
         <value>2056</value>
         <shrsOrPrnAmt>
             <sshPrnamt>162</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>162</None>
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     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>6554</value>
         <shrsOrPrnAmt>
             <sshPrnamt>662</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>662</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>2968</value>
         <shrsOrPrnAmt>
             <sshPrnamt>91</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>91</None>
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     <infoTable>
         <nameOfIssuer>VICTORY CAP HLDGS INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92645B103</cusip>
         <value>9390</value>
         <shrsOrPrnAmt>
             <sshPrnamt>145</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>145</None>
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     <infoTable>
         <nameOfIssuer>VIRTU FINL INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>928254101</cusip>
         <value>29714</value>
         <shrsOrPrnAmt>
             <sshPrnamt>837</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>837</None>
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     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>403852</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1183</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>VISHAY INTERTECHNOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>928298108</cusip>
         <value>1775</value>
         <shrsOrPrnAmt>
             <sshPrnamt>116</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>116</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISTRA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92840M102</cusip>
         <value>31347</value>
         <shrsOrPrnAmt>
             <sshPrnamt>160</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <titleOfClass>COM</titleOfClass>
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         <value>701</value>
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         <cusip>981811102</cusip>
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         <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>988498101</cusip>
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         <value>6551</value>
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         <value>3338</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>2167</value>
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         <nameOfIssuer>ZIONS BANCORPORATION N A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>15050</value>
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         <nameOfIssuer>ZURN ELKAY WATER SOLNS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>DEUTSCHE BANK A G</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>D18190898</cusip>
         <value>35516</value>
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         <value>12769</value>
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         <value>45286</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G1110E107</cusip>
         <value>1036</value>
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         <value>127036</value>
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         <cusip>G2143T103</cusip>
         <value>1765</value>
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         <value>28539</value>
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         <titleOfClass>ORD</titleOfClass>
         <cusip>G25508105</cusip>
         <value>26619</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G2717B108</cusip>
         <value>3232</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>74850</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM SHS</titleOfClass>
         <cusip>G3265R107</cusip>
         <value>13968</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>162</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G3323L100</cusip>
         <value>19690</value>
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         <titleOfClass>ORD</titleOfClass>
         <cusip>G36738105</cusip>
         <value>1319</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G3730V105</cusip>
         <value>3838</value>
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             <sshPrnamt>23</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SHARES CL A</titleOfClass>
         <cusip>G3934V109</cusip>
         <value>2786</value>
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             <sshPrnamt>225</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>225</None>
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         <nameOfIssuer>JAMES HARDIE INDS PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G4253H101</cusip>
         <value>15445</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>804</None>
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         <nameOfIssuer>BRIGHTSTAR LOTTERY PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G4863A108</cusip>
         <value>2622</value>
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             <sshPrnamt>152</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>152</None>
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         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>347991</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>3165</None>
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         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>320834</value>
         <shrsOrPrnAmt>
             <sshPrnamt>675</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>675</None>
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         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>252767</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2654</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2654</None>
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         <nameOfIssuer>JOBY AVIATION INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>G65163100</cusip>
         <value>7973</value>
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             <sshPrnamt>494</sshPrnamt>
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         <titleOfClass>ORD SHS A</titleOfClass>
         <cusip>G65431127</cusip>
         <value>2687</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>0</Sole>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G65773106</cusip>
         <value>832</value>
         <shrsOrPrnAmt>
             <sshPrnamt>265</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>12536</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>509</None>
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         <titleOfClass>ORD SHS CL A</titleOfClass>
         <cusip>G6683N103</cusip>
         <value>14041</value>
         <shrsOrPrnAmt>
             <sshPrnamt>877</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>877</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>12231</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>124</None>
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         <nameOfIssuer>PAGSEGURO DIGITAL LTD</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>G68707101</cusip>
         <value>2050</value>
         <shrsOrPrnAmt>
             <sshPrnamt>205</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>205</None>
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         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G7709Q104</cusip>
         <value>7338</value>
         <shrsOrPrnAmt>
             <sshPrnamt>208</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>208</None>
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         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>23606</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>100</None>
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         <nameOfIssuer>SEADRILL LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G7997W102</cusip>
         <value>2326</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
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             <None>77</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>6092</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>55</None>
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         <nameOfIssuer>SIGNET JEWELERS LIMITED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G81276100</cusip>
         <value>4316</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>45</None>
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         <nameOfIssuer>SMURFIT WESTROCK PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8267P108</cusip>
         <value>8088</value>
         <shrsOrPrnAmt>
             <sshPrnamt>190</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>190</None>
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         <nameOfIssuer>TECNOGLASS INC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G87264100</cusip>
         <value>1740</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>26</None>
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         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>79340</value>
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             <sshPrnamt>188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>188</None>
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         <nameOfIssuer>TRONOX HOLDINGS PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G9087Q102</cusip>
         <value>844</value>
         <shrsOrPrnAmt>
             <sshPrnamt>210</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>210</None>
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         <nameOfIssuer>GOLAR LNG LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G9456A100</cusip>
         <value>206131</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5101</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>5101</None>
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         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>9673</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>28</None>
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         <nameOfIssuer>WNS HLDGS LTD</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>G98196101</cusip>
         <value>2975</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>39</None>
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         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>27345</value>
         <shrsOrPrnAmt>
             <sshPrnamt>367</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>367</None>
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         <nameOfIssuer>BUNGE GLOBAL SA</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>H11356104</cusip>
         <value>6662</value>
         <shrsOrPrnAmt>
             <sshPrnamt>82</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>82</None>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>112900</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>400</None>
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         <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>5833</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>90</None>
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         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>16004</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>65</None>
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         <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>61951</value>
         <shrsOrPrnAmt>
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             <None>1511</None>
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         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>8665</value>
         <shrsOrPrnAmt>
             <sshPrnamt>79</sshPrnamt>
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         <nameOfIssuer>TRANSOCEAN LTD</nameOfIssuer>
         <titleOfClass>REGISTERED SHS</titleOfClass>
         <cusip>H8817H100</cusip>
         <value>2593</value>
         <shrsOrPrnAmt>
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         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>39018</value>
         <shrsOrPrnAmt>
             <sshPrnamt>680</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>110284</value>
         <shrsOrPrnAmt>
             <sshPrnamt>158</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>158</None>
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         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>34554</value>
         <shrsOrPrnAmt>
             <sshPrnamt>167</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>167</None>
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         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>44933</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>93</None>
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         <nameOfIssuer>ELBIT SYS LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M3760D101</cusip>
         <value>45882</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>90</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>M53213100</cusip>
         <value>12583</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2023</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2023</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>M6372Q113</cusip>
         <value>13595</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1007</None>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>M7S64H106</cusip>
         <value>13365</value>
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             <sshPrnamt>69</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>M98068105</cusip>
         <value>26289</value>
         <shrsOrPrnAmt>
             <sshPrnamt>148</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>148</None>
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         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>134611</value>
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             <sshPrnamt>139</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>139</None>
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         <nameOfIssuer>ELASTIC N V</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>N14506104</cusip>
         <value>3380</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>40</None>
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         <nameOfIssuer>CNH INDL N V</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N20944109</cusip>
         <value>1801</value>
         <shrsOrPrnAmt>
             <sshPrnamt>166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>166</None>
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     <infoTable>
         <nameOfIssuer>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>37847</value>
         <shrsOrPrnAmt>
             <sshPrnamt>78</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <votingAuthority>
             <Sole>0</Sole>
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             <None>78</None>
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     <infoTable>
         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>2697</value>
         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26366</Sole>
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             <None>57</None>
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     <infoTable>
         <nameOfIssuer>DAVIS FUNDAMENTAL ETF TR</nameOfIssuer>
         <titleOfClass>SELECT US EQTY</titleOfClass>
         <cusip>23908L207</cusip>
         <value>6306348</value>
         <shrsOrPrnAmt>
             <sshPrnamt>131656</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>DAVIS FUNDAMENTAL ETF TR</nameOfIssuer>
         <titleOfClass>SELECT WRLD WI</titleOfClass>
         <cusip>23908L306</cusip>
         <value>14721472</value>
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             <sshPrnamt>325480</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>323660</Sole>
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             <None>1820</None>
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     <infoTable>
         <nameOfIssuer>DAVIS FUNDAMENTAL ETF TR</nameOfIssuer>
         <titleOfClass>SELCT INTL ETF</titleOfClass>
         <cusip>23908L405</cusip>
         <value>13469210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>481387</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>1</otherManager>
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             <Sole>481387</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DAVITA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>23918K108</cusip>
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             <sshPrnamt>5070</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <Sole>5044</Sole>
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     <infoTable>
         <nameOfIssuer>DECKERS OUTDOOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>243537107</cusip>
         <value>12263944</value>
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             <sshPrnamt>120982</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>5245</None>
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     <infoTable>
         <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>244199105</cusip>
         <value>155065854</value>
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             <sshPrnamt>339030</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>DEFINITIVE HEALTHCARE CORP</nameOfIssuer>
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             <sshPrnamt>87040</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>3650</None>
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     <infoTable>
         <nameOfIssuer>DELEK LOGISTICS PARTNERS LP</nameOfIssuer>
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         <cusip>24664T103</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>6182</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer>
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         <otherManager>1</otherManager>
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     <infoTable>
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         <cusip>247361702</cusip>
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             <sshPrnamt>247771</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>17665</None>
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     <infoTable>
         <nameOfIssuer>DENISON MINES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>248356107</cusip>
         <value>809194</value>
         <shrsOrPrnAmt>
             <sshPrnamt>294246</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>5205</None>
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     <infoTable>
         <nameOfIssuer>DENNYS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>24869P104</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>DENTSPLY SIRONA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>24906P109</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>400</None>
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         <nameOfIssuer>DESCARTES SYS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>249906108</cusip>
         <value>1190226</value>
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             <sshPrnamt>12631</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>147</None>
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     <infoTable>
         <nameOfIssuer>DESTINY TECH100 INC</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>25063F107</cusip>
         <value>493310</value>
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             <sshPrnamt>23160</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25179M103</cusip>
         <value>28164438</value>
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             <sshPrnamt>803325</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>171724</None>
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     <infoTable>
         <nameOfIssuer>DEXCOM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>252131107</cusip>
         <value>8700535</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>5351</None>
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     <infoTable>
         <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>25243Q205</cusip>
         <value>25732020</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>9005</None>
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     <infoTable>
         <nameOfIssuer>DIAMONDROCK HOSPITALITY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>252784301</cusip>
         <value>1310933</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>156145</None>
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     <infoTable>
         <nameOfIssuer>DIAMONDBACK ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25278X109</cusip>
         <value>34578111</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>3540</None>
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     <infoTable>
         <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253393102</cusip>
         <value>2662659</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>703</None>
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     <infoTable>
         <nameOfIssuer>DIGI INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253798102</cusip>
         <value>337625</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253868103</cusip>
         <value>43066052</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>7593</None>
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     <infoTable>
         <nameOfIssuer>TRUMP MEDIA &amp; TECHNOLOGY GRO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25400Q105</cusip>
         <value>205895</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>276</None>
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     <infoTable>
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         <titleOfClass>CL A NEW</titleOfClass>
         <cusip>25401T603</cusip>
         <value>187470</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16023</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIGITALOCEAN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25402D102</cusip>
         <value>845293</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24745</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24407</Sole>
             <Shared>0</Shared>
             <None>338</None>
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     <infoTable>
         <nameOfIssuer>DILLARDS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>254067101</cusip>
         <value>2981153</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4813</Sole>
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             <None>33</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQT MKT</titleOfClass>
         <cusip>25434V104</cusip>
         <value>2920815</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63829</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>63829</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTL CORE EQT MK</titleOfClass>
         <cusip>25434V203</cusip>
         <value>4761342</value>
         <shrsOrPrnAmt>
             <sshPrnamt>130984</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>130232</Sole>
             <Shared>0</Shared>
             <None>752</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>EMGR CRE EQT MNG</titleOfClass>
         <cusip>25434V302</cusip>
         <value>513466</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16285</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US EQUITY MARKET</titleOfClass>
         <cusip>25434V401</cusip>
         <value>5271819</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72775</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>72775</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SMALL CAP ETF</titleOfClass>
         <cusip>25434V500</cusip>
         <value>12833342</value>
         <shrsOrPrnAmt>
             <sshPrnamt>187456</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>185421</Sole>
             <Shared>0</Shared>
             <None>2035</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US TARGETED VLU</titleOfClass>
         <cusip>25434V609</cusip>
         <value>4537003</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77942</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>77942</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>GLOBAL REAL EST</titleOfClass>
         <cusip>25434V658</cusip>
         <value>61694</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2259</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2259</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US LARGE CAP VAL</titleOfClass>
         <cusip>25434V666</cusip>
         <value>404112</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12283</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12283</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQUITY 2</titleOfClass>
         <cusip>25434V708</cusip>
         <value>7834495</value>
         <shrsOrPrnAmt>
             <sshPrnamt>203124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>203124</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US MKTWIDE VALUE</titleOfClass>
         <cusip>25434V724</cusip>
         <value>19818587</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>320209109</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>FIRST HORIZON CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320517105</cusip>
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         <shrsOrPrnAmt>
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         <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
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         <nameOfIssuer>FIRST MAJESTIC SILVER CORP</nameOfIssuer>
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         <cusip>32076V103</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>320817109</cusip>
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         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
         <cusip>32106V107</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>336433107</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>336917109</cusip>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>US EQTY OPPT ETF</titleOfClass>
         <cusip>336920103</cusip>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>1554</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>COM SHS ANNUAL</titleOfClass>
         <cusip>33718M105</cusip>
         <value>751629</value>
         <shrsOrPrnAmt>
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         <otherManager>1</otherManager>
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             <None>338</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR INTER DURATN PFD &amp;</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33718W103</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>11720</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DOW 30 EQL WGT</titleOfClass>
         <cusip>33733A201</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>11578</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>11578</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>WTR ETF</titleOfClass>
         <cusip>33733B100</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>214093</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>3137</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>SHS ISSUED FRST</titleOfClass>
         <cusip>33733C108</cusip>
         <value>1780434</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20403</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20403</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CAP STRENGTH ETF</titleOfClass>
         <cusip>33733E104</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>740305</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>704572</Sole>
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             <None>35733</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NY ARCA BIOTECH</titleOfClass>
         <cusip>33733E203</cusip>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>47855</Sole>
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             <None>2368</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DJ INTERNT IDX</titleOfClass>
         <cusip>33733E302</cusip>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ 100 EX</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>21162</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>17806</Sole>
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             <None>3356</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAS CLNEDG GREEN</titleOfClass>
         <cusip>33733E500</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>32965</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>30366</Sole>
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             <None>2599</None>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>WCM INTL EQUITY</titleOfClass>
         <cusip>33733E732</cusip>
         <value>5105633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>302645</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>290775</Sole>
             <Shared>0</Shared>
             <None>11870</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAT GAS ETF</titleOfClass>
         <cusip>33733E807</cusip>
         <value>691265</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29425</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27577</Sole>
             <Shared>0</Shared>
             <None>1848</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>GROWTH STRENGTH</titleOfClass>
         <cusip>33733E823</cusip>
         <value>26653406</value>
         <shrsOrPrnAmt>
             <sshPrnamt>742131</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>740435</Sole>
             <Shared>0</Shared>
             <None>1696</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX AEROSPACE</titleOfClass>
         <cusip>33733E831</cusip>
         <value>2498900</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60287</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>53564</Sole>
             <Shared>0</Shared>
             <None>6723</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>LUNT US FACTOR</titleOfClass>
         <cusip>33733E872</cusip>
         <value>306275</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8625</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8625</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33733F101</cusip>
         <value>1768040</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11012</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>11005</Sole>
             <Shared>0</Shared>
             <None>7</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR SR FLTG RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33733U108</cusip>
         <value>952941</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95294</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>85028</Sole>
             <Shared>0</Shared>
             <None>10266</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>24807460</value>
         <shrsOrPrnAmt>
             <sshPrnamt>175798</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>169900</Sole>
             <Shared>0</Shared>
             <None>5898</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337345102</cusip>
         <value>13780432</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60017</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>58896</Sole>
             <Shared>0</Shared>
             <None>1121</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33734G108</cusip>
         <value>379657</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13506</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12900</Sole>
             <Shared>0</Shared>
             <None>606</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33734H106</cusip>
         <value>101260841</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2189911</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2096800</Sole>
             <Shared>0</Shared>
             <None>93111</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734K109</cusip>
         <value>1490460</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12759</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10053</Sole>
             <Shared>0</Shared>
             <None>2706</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR DISCRE</titleOfClass>
         <cusip>33734X101</cusip>
         <value>6493936</value>
         <shrsOrPrnAmt>
             <sshPrnamt>95191</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>92278</Sole>
             <Shared>0</Shared>
             <None>2913</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CONSUMR STAPLE</titleOfClass>
         <cusip>33734X119</cusip>
         <value>2573256</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41061</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40659</Sole>
             <Shared>0</Shared>
             <None>402</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>ENERGY ALPHADX</titleOfClass>
         <cusip>33734X127</cusip>
         <value>557353</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34193</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>33210</Sole>
             <Shared>0</Shared>
             <None>983</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>FINLS ALPHADEX</titleOfClass>
         <cusip>33734X135</cusip>
         <value>17082900</value>
         <shrsOrPrnAmt>
             <sshPrnamt>287635</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>273898</Sole>
             <Shared>0</Shared>
             <None>13737</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>HLTH CARE ALPH</titleOfClass>
         <cusip>33734X143</cusip>
         <value>2123791</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19367</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16298</Sole>
             <Shared>0</Shared>
             <None>3069</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDLS PROD DUR</titleOfClass>
         <cusip>33734X150</cusip>
         <value>11759215</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150635</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>139337</Sole>
             <Shared>0</Shared>
             <None>11298</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>MATERIALS ALPH</titleOfClass>
         <cusip>33734X168</cusip>
         <value>1853454</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30093</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29485</Sole>
             <Shared>0</Shared>
             <None>608</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>TECH ALPHADEX</titleOfClass>
         <cusip>33734X176</cusip>
         <value>14660283</value>
         <shrsOrPrnAmt>
             <sshPrnamt>87265</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>82869</Sole>
             <Shared>0</Shared>
             <None>4396</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>UTILITIES ALPH</titleOfClass>
         <cusip>33734X184</cusip>
         <value>14195032</value>
         <shrsOrPrnAmt>
             <sshPrnamt>312332</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>277682</Sole>
             <Shared>0</Shared>
             <None>34650</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CLOUD COMPUTING</titleOfClass>
         <cusip>33734X192</cusip>
         <value>7958479</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59204</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>50238</Sole>
             <Shared>0</Shared>
             <None>8966</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DJ GLBL DIVID</titleOfClass>
         <cusip>33734X200</cusip>
         <value>3836607</value>
         <shrsOrPrnAmt>
             <sshPrnamt>133442</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>128789</Sole>
             <Shared>0</Shared>
             <None>4653</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX NAT RE ETF</titleOfClass>
         <cusip>33734X838</cusip>
         <value>461092</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30346</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26553</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>50942538</value>
         <shrsOrPrnAmt>
             <sshPrnamt>670173</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>642774</Sole>
             <Shared>0</Shared>
             <None>27399</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734Y109</cusip>
         <value>4815756</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>42991</Sole>
             <Shared>0</Shared>
             <None>1197</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735B108</cusip>
         <value>10966989</value>
         <shrsOrPrnAmt>
             <sshPrnamt>87451</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>53049</Sole>
             <Shared>0</Shared>
             <None>34402</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735J101</cusip>
         <value>4682491</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56194</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>52112</Sole>
             <Shared>0</Shared>
             <None>4082</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33735K108</cusip>
         <value>5299306</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32974</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32435</Sole>
             <Shared>0</Shared>
             <None>539</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>COMMON SHS</titleOfClass>
         <cusip>33735T109</cusip>
         <value>556116</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34435</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>34435</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>686141</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35718</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>35718</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>UT COM SHS ETF</titleOfClass>
         <cusip>33736Q104</cusip>
         <value>691436</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12313</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12313</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>34964023</value>
         <shrsOrPrnAmt>
             <sshPrnamt>231348</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>227457</Sole>
             <Shared>0</Shared>
             <None>3891</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EUROPE ALPHADEX</titleOfClass>
         <cusip>33737J117</cusip>
         <value>2802268</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54748</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>54659</Sole>
             <Shared>0</Shared>
             <None>89</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>JAPAN ALPHADEX</titleOfClass>
         <cusip>33737J158</cusip>
         <value>1002372</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15382</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15382</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>8033592</value>
         <shrsOrPrnAmt>
             <sshPrnamt>106592</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>99489</Sole>
             <Shared>0</Shared>
             <None>7103</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>EMERG MKT ALPH</titleOfClass>
         <cusip>33737J182</cusip>
         <value>1186677</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43788</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>43515</Sole>
             <Shared>0</Shared>
             <None>273</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>SWITZLND ALPHA</titleOfClass>
         <cusip>33737J232</cusip>
         <value>501945</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6534</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6534</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>2145016</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48553</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>48155</Sole>
             <Shared>0</Shared>
             <None>398</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
         <titleOfClass>INDIA NFTY50 EQW</titleOfClass>
         <cusip>33737J802</cusip>
         <value>1130222</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19856</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19307</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>3303036</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31888</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>31492</Sole>
             <Shared>0</Shared>
             <None>396</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CP GR ALPH</titleOfClass>
         <cusip>33737M102</cusip>
         <value>1895334</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20688</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20535</Sole>
             <Shared>0</Shared>
             <None>153</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CAP VAL FD</titleOfClass>
         <cusip>33737M201</cusip>
         <value>998577</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18071</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17966</Sole>
             <Shared>0</Shared>
             <None>105</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>SML CP GRW ALP</titleOfClass>
         <cusip>33737M300</cusip>
         <value>1868787</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20601</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19540</Sole>
             <Shared>0</Shared>
             <None>1061</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>SML CAP VAL ALPH</titleOfClass>
         <cusip>33737M409</cusip>
         <value>584090</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10325</Sole>
             <Shared>0</Shared>
             <None>125</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NO AMER ENERGY</titleOfClass>
         <cusip>33738D101</cusip>
         <value>8773593</value>
         <shrsOrPrnAmt>
             <sshPrnamt>229138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>223551</Sole>
             <Shared>0</Shared>
             <None>5587</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SENIOR LN FD</titleOfClass>
         <cusip>33738D309</cusip>
         <value>19714432</value>
         <shrsOrPrnAmt>
             <sshPrnamt>430072</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>402990</Sole>
             <Shared>0</Shared>
             <None>27082</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR TA HIYL</titleOfClass>
         <cusip>33738D408</cusip>
         <value>14238311</value>
         <shrsOrPrnAmt>
             <sshPrnamt>338599</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>335666</Sole>
             <Shared>0</Shared>
             <None>2933</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CORE INVESTMENT</titleOfClass>
         <cusip>33738D788</cusip>
         <value>44816102</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2103054</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2073102</Sole>
             <Shared>0</Shared>
             <None>29952</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>INTERMEDIATE DUR</titleOfClass>
         <cusip>33738D796</cusip>
         <value>437953</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20628</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20628</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>LIMITED DURATION</titleOfClass>
         <cusip>33738D804</cusip>
         <value>14662004</value>
         <shrsOrPrnAmt>
             <sshPrnamt>763248</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>761569</Sole>
             <Shared>0</Shared>
             <None>1679</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FT VEST TEC</titleOfClass>
         <cusip>33738D812</cusip>
         <value>674435</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23540</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23540</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>15028064</value>
         <shrsOrPrnAmt>
             <sshPrnamt>695095</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>692610</Sole>
             <Shared>0</Shared>
             <None>2485</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FT VEST RIS</titleOfClass>
         <cusip>33738D879</cusip>
         <value>57131369</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2210108</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1677691</Sole>
             <Shared>0</Shared>
             <None>532417</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>MULTI ASSET DI</titleOfClass>
         <cusip>33738R100</cusip>
         <value>9063916</value>
         <shrsOrPrnAmt>
             <sshPrnamt>565069</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>564980</Sole>
             <Shared>0</Shared>
             <None>89</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASD TECH DIV</titleOfClass>
         <cusip>33738R118</cusip>
         <value>29228662</value>
         <shrsOrPrnAmt>
             <sshPrnamt>296443</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>287492</Sole>
             <Shared>0</Shared>
             <None>8951</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>BUYWRIT INCM ETF</titleOfClass>
         <cusip>33738R308</cusip>
         <value>14361096</value>
         <shrsOrPrnAmt>
             <sshPrnamt>605699</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>598340</Sole>
             <Shared>0</Shared>
             <None>7359</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ BUYWRITE</titleOfClass>
         <cusip>33738R407</cusip>
         <value>2155070</value>
         <shrsOrPrnAmt>
             <sshPrnamt>104615</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>85656</Sole>
             <Shared>0</Shared>
             <None>18959</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
         <cusip>33738R506</cusip>
         <value>160500379</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2386212</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2303324</Sole>
             <Shared>0</Shared>
             <None>82888</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DORSEY WRT 5 ETF</titleOfClass>
         <cusip>33738R605</cusip>
         <value>29178295</value>
         <shrsOrPrnAmt>
             <sshPrnamt>471237</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>452542</Sole>
             <Shared>0</Shared>
             <None>18695</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>INTL DEV STRNGTH</titleOfClass>
         <cusip>33738R662</cusip>
         <value>1534606</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40233</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40109</Sole>
             <Shared>0</Shared>
             <None>124</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>S&amp;P INTL DIVID</titleOfClass>
         <cusip>33738R688</cusip>
         <value>3039458</value>
         <shrsOrPrnAmt>
             <sshPrnamt>154287</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>154125</Sole>
             <Shared>0</Shared>
             <None>162</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>RBA INDL ETF</titleOfClass>
         <cusip>33738R704</cusip>
         <value>36090780</value>
         <shrsOrPrnAmt>
             <sshPrnamt>373276</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>358430</Sole>
             <Shared>0</Shared>
             <None>14846</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ ARTFCIAL</titleOfClass>
         <cusip>33738R720</cusip>
         <value>5371159</value>
         <shrsOrPrnAmt>
             <sshPrnamt>101553</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>100031</Sole>
             <Shared>0</Shared>
             <None>1522</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ SEMCNDTR</titleOfClass>
         <cusip>33738R811</cusip>
         <value>2067018</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18483</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>17360</Sole>
             <Shared>0</Shared>
             <None>1123</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ OIL GAS</titleOfClass>
         <cusip>33738R845</cusip>
         <value>352494</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12386</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12386</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>731522</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20544</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20544</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>1692845</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69144</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>69144</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>38794936</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2126915</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2092942</Sole>
             <Shared>0</Shared>
             <None>33973</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MANAGD MUN ETF</titleOfClass>
         <cusip>33739N108</cusip>
         <value>14722178</value>
         <shrsOrPrnAmt>
             <sshPrnamt>290370</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>279847</Sole>
             <Shared>0</Shared>
             <None>10523</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>LNG/SHT EQUITY</titleOfClass>
         <cusip>33739P103</cusip>
         <value>18459633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>263845</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>259066</Sole>
             <Shared>0</Shared>
             <None>4779</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>EME MRK BD ETF</titleOfClass>
         <cusip>33739P202</cusip>
         <value>561510</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19138</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19138</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MUNI HI INCM ETF</titleOfClass>
         <cusip>33739P301</cusip>
         <value>1181921</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24877</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>24877</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>RIVRFRNT DYN DEV</titleOfClass>
         <cusip>33739P608</cusip>
         <value>277316</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3615</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3565</Sole>
             <Shared>0</Shared>
             <None>50</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>SHRT DUR MNG MUN</titleOfClass>
         <cusip>33739P830</cusip>
         <value>4740909</value>
         <shrsOrPrnAmt>
             <sshPrnamt>236103</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>234853</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>6914615</value>
         <shrsOrPrnAmt>
             <sshPrnamt>357518</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>355769</Sole>
             <Shared>0</Shared>
             <None>1749</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>34840671</value>
         <shrsOrPrnAmt>
             <sshPrnamt>699735</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>658957</Sole>
             <Shared>0</Shared>
             <None>40778</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FIRST TR ENH NEW</titleOfClass>
         <cusip>33739Q408</cusip>
         <value>61838591</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1032188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1010972</Sole>
             <Shared>0</Shared>
             <None>21216</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SSI STRG ETF</titleOfClass>
         <cusip>33739Q507</cusip>
         <value>321614</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7520</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>7520</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>22774975</value>
         <shrsOrPrnAmt>
             <sshPrnamt>461873</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>382785</Sole>
             <Shared>0</Shared>
             <None>79088</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>ENERGY INM PARTN</titleOfClass>
         <cusip>33739Q804</cusip>
         <value>3900786</value>
         <shrsOrPrnAmt>
             <sshPrnamt>149074</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>149060</Sole>
             <Shared>0</Shared>
             <None>14</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>FT ENERGY INCOME</titleOfClass>
         <cusip>33740F276</cusip>
         <value>2309405</value>
         <shrsOrPrnAmt>
             <sshPrnamt>116518</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>114363</Sole>
             <Shared>0</Shared>
             <None>2155</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>ACTIVE GLOBAL</titleOfClass>
         <cusip>33740F383</cusip>
         <value>246489</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15397</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15234</Sole>
             <Shared>0</Shared>
             <None>163</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>SKYBRIDGE CRYPTO</titleOfClass>
         <cusip>33740F540</cusip>
         <value>643712</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28892</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28892</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>SMITH OPPORT FXD</titleOfClass>
         <cusip>33740F805</cusip>
         <value>23302351</value>
         <shrsOrPrnAmt>
             <sshPrnamt>524606</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>517897</Sole>
             <Shared>0</Shared>
             <None>6709</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>ACTV FCTR LGCP</titleOfClass>
         <cusip>33740F821</cusip>
         <value>14306621</value>
         <shrsOrPrnAmt>
             <sshPrnamt>368573</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>368543</Sole>
             <Shared>0</Shared>
             <None>30</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>SMITH UNCONSTRAI</titleOfClass>
         <cusip>33740F888</cusip>
         <value>38259835</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1518938</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1508036</Sole>
             <Shared>0</Shared>
             <None>10902</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>ULTRA SHT DUR MU</titleOfClass>
         <cusip>33740J104</cusip>
         <value>1341638</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66748</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>66748</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
         <titleOfClass>ALT ABSLT STRG</titleOfClass>
         <cusip>33740Y101</cusip>
         <value>303318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9953</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9953</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR HIGH YIELD OPPRT 20</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33741Q107</cusip>
         <value>1104361</value>
         <shrsOrPrnAmt>
             <sshPrnamt>76215</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>76215</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>140062128</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3683939</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3444491</Sole>
             <Shared>0</Shared>
             <None>239448</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>INDXX INOVTV ETF</titleOfClass>
         <cusip>33741X201</cusip>
         <value>215089</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3826</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3673</Sole>
             <Shared>0</Shared>
             <None>153</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTSERVICE CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33767E202</cusip>
         <value>3292183</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17283</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16680</Sole>
             <Shared>0</Shared>
             <None>603</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33768G107</cusip>
         <value>496805</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3136</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2900</Sole>
             <Shared>0</Shared>
             <None>236</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>36768990</value>
         <shrsOrPrnAmt>
             <sshPrnamt>285184</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>277261</Sole>
             <Shared>0</Shared>
             <None>7923</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>18539638</value>
         <shrsOrPrnAmt>
             <sshPrnamt>404618</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>394745</Sole>
             <Shared>0</Shared>
             <None>9873</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>4682326</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30267</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>30097</Sole>
             <Shared>0</Shared>
             <None>170</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE9 INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338307101</cusip>
         <value>7379280</value>
         <shrsOrPrnAmt>
             <sshPrnamt>304929</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>301287</Sole>
             <Shared>0</Shared>
             <None>3642</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD SECS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338478100</cusip>
         <value>2253702</value>
         <shrsOrPrnAmt>
             <sshPrnamt>133434</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>119753</Sole>
             <Shared>0</Shared>
             <None>13681</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE DYNAMIC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33848W106</cusip>
         <value>459438</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21231</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>21231</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>MORNSTAR UPSTR</titleOfClass>
         <cusip>33939L407</cusip>
         <value>1073104</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24511</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23658</Sole>
             <Shared>0</Shared>
             <None>853</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>IBOXX 3R TARGT</titleOfClass>
         <cusip>33939L506</cusip>
         <value>369256</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15177</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15052</Sole>
             <Shared>0</Shared>
             <None>125</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>HIG YLD VL ETF</titleOfClass>
         <cusip>33939L662</cusip>
         <value>363514</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8823</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8823</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>CR SCD US BD</titleOfClass>
         <cusip>33939L761</cusip>
         <value>5200745</value>
         <shrsOrPrnAmt>
             <sshPrnamt>105598</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>105598</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>GLB QLT R/E IDX</titleOfClass>
         <cusip>33939L787</cusip>
         <value>185561</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3044</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3044</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>M STAR DEV MKT</titleOfClass>
         <cusip>33939L803</cusip>
         <value>84298</value>
         <shrsOrPrnAmt>
             <sshPrnamt>950</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>950</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>INT QLTDVDYNAM</titleOfClass>
         <cusip>33939L829</cusip>
         <value>995849</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29344</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>29344</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>QLT DIV DEF IDX</titleOfClass>
         <cusip>33939L845</cusip>
         <value>620452</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7757</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6338</Sole>
             <Shared>0</Shared>
             <None>1419</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>QUALT DIVD IDX</titleOfClass>
         <cusip>33939L860</cusip>
         <value>169122</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2130</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2130</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>FLEXSHARES ULTRA</titleOfClass>
         <cusip>33939L886</cusip>
         <value>319768</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4228</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>
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         <nameOfIssuer>INTERCONTINENTAL HOTELS GROU</nameOfIssuer>
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         <nameOfIssuer>INTERFACE INC</nameOfIssuer>
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         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
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         <nameOfIssuer>INTERDIGITAL INC</nameOfIssuer>
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         <nameOfIssuer>INTERNATIONAL BANCSHARES COR</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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     <infoTable>
         <nameOfIssuer>INVESCO MUNICIPAL TRUST</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>INVESCO TR INVT GRADE MUNS</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>INVESCO TR INVT GRADE NEW YO</nameOfIssuer>
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     <infoTable>
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     <infoTable>
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     <infoTable>
         <nameOfIssuer>INVESCO CALIF VALUE MUN INCO</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>INVESCO VALUE MUN INCOME TR</nameOfIssuer>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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     <infoTable>
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         <nameOfIssuer>NUVEEN CALIFORNIA AMT QLT MU</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670651108</cusip>
         <value>252276</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19911</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19911</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN NEW YORK AMT QLT MUNI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670656107</cusip>
         <value>1202676</value>
         <shrsOrPrnAmt>
             <sshPrnamt>117911</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>113986</Sole>
             <Shared>0</Shared>
             <None>3925</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670657105</cusip>
         <value>11409051</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1001673</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>945960</Sole>
             <Shared>0</Shared>
             <None>55713</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MUN CR OPPORTUNITIES</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670663103</cusip>
         <value>110186</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10146</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10146</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>1699940106</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9110915</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8590725</Sole>
             <Shared>0</Shared>
             <None>520190</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066V101</cusip>
         <value>6753912</value>
         <shrsOrPrnAmt>
             <sshPrnamt>577751</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>521887</Sole>
             <Shared>0</Shared>
             <None>55864</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN NEW YORK QLT MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066X107</cusip>
         <value>148442</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12987</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5987</Sole>
             <Shared>0</Shared>
             <None>7000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CA QUALTY MUN INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066Y105</cusip>
         <value>968554</value>
         <shrsOrPrnAmt>
             <sshPrnamt>84222</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>84222</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN HIGH INCOME OPPOR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670682103</cusip>
         <value>2757529</value>
         <shrsOrPrnAmt>
             <sshPrnamt>260390</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>233870</Sole>
             <Shared>0</Shared>
             <None>26520</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN NASDAQ 100 DYNAMIC OV</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>670699107</cusip>
         <value>299644</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10912</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10141</Sole>
             <Shared>0</Shared>
             <None>771</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN NEW JERSEY QULT MUN F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67069Y102</cusip>
         <value>307004</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24738</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>22266</Sole>
             <Shared>0</Shared>
             <None>2472</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN S&amp;P 500 BUY-WRITE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>6706ER101</cusip>
         <value>4358392</value>
         <shrsOrPrnAmt>
             <sshPrnamt>301828</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>256354</Sole>
             <Shared>0</Shared>
             <None>45474</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MUNICIPAL CREDIT INC</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>67070X101</cusip>
         <value>7761932</value>
         <shrsOrPrnAmt>
             <sshPrnamt>617989</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>605149</Sole>
             <Shared>0</Shared>
             <None>12840</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN REAL ESTATE INCOME FD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071B108</cusip>
         <value>342097</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41821</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40621</Sole>
             <Shared>0</Shared>
             <None>1200</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071L106</cusip>
         <value>5197682</value>
         <shrsOrPrnAmt>
             <sshPrnamt>422919</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>412840</Sole>
             <Shared>0</Shared>
             <None>10079</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN FLOATING RATE INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67072T108</cusip>
         <value>657180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80341</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>54548</Sole>
             <Shared>0</Shared>
             <None>25793</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67073B106</cusip>
         <value>3792558</value>
         <shrsOrPrnAmt>
             <sshPrnamt>462506</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>416470</Sole>
             <Shared>0</Shared>
             <None>46036</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CR STRATEGIES INCOME</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67073D102</cusip>
         <value>1474876</value>
         <shrsOrPrnAmt>
             <sshPrnamt>279864</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>218164</Sole>
             <Shared>0</Shared>
             <None>61700</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67074C103</cusip>
         <value>299681</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18476</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18476</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN MULTI ASSET INCOME FU</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670750108</cusip>
         <value>789231</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60804</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>59618</Sole>
             <Shared>0</Shared>
             <None>1186</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN DOW 30 DYNMC OVERWRT</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>67075F105</cusip>
         <value>502955</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33779</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26366</Sole>
             <Shared>0</Shared>
             <None>7413</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>9543989</value>
         <shrsOrPrnAmt>
             <sshPrnamt>162561</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>128221</Sole>
             <Shared>0</Shared>
             <None>34340</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUSCALE PWR CORP</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>67079K100</cusip>
         <value>6628176</value>
         <shrsOrPrnAmt>
             <sshPrnamt>184116</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>131281</Sole>
             <Shared>0</Shared>
             <None>52835</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN DYNAMIC MUN OPPORTUNI</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67079X102</cusip>
         <value>1012508</value>
         <shrsOrPrnAmt>
             <sshPrnamt>97450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>97450</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CORE PLUS IMPACT FUND</nameOfIssuer>
         <titleOfClass>COM BEN INT</titleOfClass>
         <cusip>67080D103</cusip>
         <value>2333348</value>
         <shrsOrPrnAmt>
             <sshPrnamt>211931</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>211931</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN VRIABL RAT PFD &amp; INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67080R102</cusip>
         <value>2811198</value>
         <shrsOrPrnAmt>
             <sshPrnamt>140842</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>138837</Sole>
             <Shared>0</Shared>
             <None>2005</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670837103</cusip>
         <value>12737456</value>
         <shrsOrPrnAmt>
             <sshPrnamt>275284</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>270555</Sole>
             <Shared>0</Shared>
             <None>4729</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUVEEN CHURCHILL DIRECT LEND</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67090S108</cusip>
         <value>48300</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670928100</cusip>
         <value>6669005</value>
         <shrsOrPrnAmt>
             <sshPrnamt>742650</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>681286</Sole>
             <Shared>0</Shared>
             <None>61364</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG LRGCP</titleOfClass>
         <cusip>67092P201</cusip>
         <value>227442</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2287</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1282</Sole>
             <Shared>0</Shared>
             <None>1005</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
         <cusip>67092P300</cusip>
         <value>2204540</value>
         <shrsOrPrnAmt>
             <sshPrnamt>50301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>47310</Sole>
             <Shared>0</Shared>
             <None>2991</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG MIDVL</titleOfClass>
         <cusip>67092P508</cusip>
         <value>672271</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17376</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16477</Sole>
             <Shared>0</Shared>
             <None>899</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>490877</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11132</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8132</Sole>
             <Shared>0</Shared>
             <None>3000</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG INTL</titleOfClass>
         <cusip>67092P805</cusip>
         <value>659441</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17529</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16673</Sole>
             <Shared>0</Shared>
             <None>856</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG US</titleOfClass>
         <cusip>67092P870</cusip>
         <value>464369</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20680</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>20320</Sole>
             <Shared>0</Shared>
             <None>360</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG EMRGN</titleOfClass>
         <cusip>67092P888</cusip>
         <value>288839</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8093</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5699</Sole>
             <Shared>0</Shared>
             <None>2394</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>O-I GLASS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67098H104</cusip>
         <value>3371781</value>
         <shrsOrPrnAmt>
             <sshPrnamt>259967</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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         <titleOfClass>PORTFOLIO SHORT</titleOfClass>
         <cusip>78464A474</cusip>
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         <shrsOrPrnAmt>
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             <None>1627</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
         <cusip>78464A508</cusip>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
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             <Shared>0</Shared>
             <None>47853</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG INTL T</titleOfClass>
         <cusip>78464A516</cusip>
         <value>1571579</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>2543</None>
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         <titleOfClass>S&amp;P TRANSN ETF</titleOfClass>
         <cusip>78464A532</cusip>
         <value>1424000</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16983</sshPrnamt>
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             <None>100</None>
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     <infoTable>
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         <titleOfClass>S&amp;P TELECOM</titleOfClass>
         <cusip>78464A540</cusip>
         <value>2096701</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14985</sshPrnamt>
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         <otherManager>1</otherManager>
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             <None>38</None>
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         <titleOfClass>HLTH CARE SVCS</titleOfClass>
         <cusip>78464A573</cusip>
         <value>1323653</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13033</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <titleOfClass>COMP SOFTWARE</titleOfClass>
         <cusip>78464A599</cusip>
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         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
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         <titleOfClass>DJ REIT ETF</titleOfClass>
         <cusip>78464A607</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>3816</sshPrnamt>
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             <None>1373</None>
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         <titleOfClass>AEROSPACE DEF</titleOfClass>
         <cusip>78464A631</cusip>
         <value>15640286</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66545</sshPrnamt>
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         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>1122</None>
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     <infoTable>
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         <titleOfClass>PORTFOLIO AGRGTE</titleOfClass>
         <cusip>78464A649</cusip>
         <value>14248805</value>
         <shrsOrPrnAmt>
             <sshPrnamt>551211</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
         <cusip>78464A664</cusip>
         <value>101387208</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3762009</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFLI INTRMDIT</titleOfClass>
         <cusip>78464A672</cusip>
         <value>29589687</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1023863</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>992670</Sole>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P REGL BKG</titleOfClass>
         <cusip>78464A698</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>234164</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>218901</Sole>
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             <None>15263</None>
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     <infoTable>
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         <titleOfClass>S&amp;P RETAIL ETF</titleOfClass>
         <cusip>78464A714</cusip>
         <value>331947</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3852</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3298</Sole>
             <Shared>0</Shared>
             <None>554</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P METALS MNG</titleOfClass>
         <cusip>78464A755</cusip>
         <value>2354946</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25270</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18499</Sole>
             <Shared>0</Shared>
             <None>6771</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>61548530</value>
         <shrsOrPrnAmt>
             <sshPrnamt>439481</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>420300</Sole>
             <Shared>0</Shared>
             <None>19181</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P CAP MKTS</titleOfClass>
         <cusip>78464A771</cusip>
         <value>1993625</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13043</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12486</Sole>
             <Shared>0</Shared>
             <None>557</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P INS ETF</titleOfClass>
         <cusip>78464A789</cusip>
         <value>1248176</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21037</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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     <infoTable>
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         <titleOfClass>S&amp;P BK ETF</titleOfClass>
         <cusip>78464A797</cusip>
         <value>4547962</value>
         <shrsOrPrnAmt>
             <sshPrnamt>76538</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>606</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
         <cusip>78464A805</cusip>
         <value>885875</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10984</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
         <cusip>78464A821</cusip>
         <value>65556046</value>
         <shrsOrPrnAmt>
             <sshPrnamt>715990</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>696803</Sole>
             <Shared>0</Shared>
             <None>19187</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
         <cusip>78464A839</cusip>
         <value>47703048</value>
         <shrsOrPrnAmt>
             <sshPrnamt>571910</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>556834</Sole>
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             <None>15076</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>
         <cusip>78464A847</cusip>
         <value>4500457</value>
         <shrsOrPrnAmt>
             <sshPrnamt>78692</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>61946</Sole>
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             <None>16746</None>
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     <infoTable>
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         <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
         <cusip>78464A854</cusip>
         <value>24769489</value>
         <shrsOrPrnAmt>
             <sshPrnamt>316180</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>292752</Sole>
             <Shared>0</Shared>
             <None>23428</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P SEMICNDCTR</titleOfClass>
         <cusip>78464A862</cusip>
         <value>5986536</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18758</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>18746</Sole>
             <Shared>0</Shared>
             <None>12</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P BIOTECH</titleOfClass>
         <cusip>78464A870</cusip>
         <value>25391694</value>
         <shrsOrPrnAmt>
             <sshPrnamt>253405</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>244501</Sole>
             <Shared>0</Shared>
             <None>8904</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P HOMEBUILD</titleOfClass>
         <cusip>78464A888</cusip>
         <value>4080335</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36827</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>35546</Sole>
             <Shared>0</Shared>
             <None>1281</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>125326</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Shared>0</Shared>
             <None>1444</None>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>MULT ASS RLRTN</titleOfClass>
         <cusip>78467V103</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>12245</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>12245</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>BLACKSTONE SENR</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>526686</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>9008</None>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>ULT SHT TRM BD</titleOfClass>
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         <value>506876</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12457</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>12457</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>SPDR TR TACTIC</titleOfClass>
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         <value>2959358</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72944</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>108</None>
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     <infoTable>
         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
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         <shrsOrPrnAmt>
             <sshPrnamt>162956</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>148188</Sole>
             <Shared>0</Shared>
             <None>14768</None>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
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         <shrsOrPrnAmt>
             <sshPrnamt>52227</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>50825</Sole>
             <Shared>0</Shared>
             <None>1402</None>
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     <infoTable>
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         <titleOfClass>PORTFOLIO SH TSR</titleOfClass>
         <cusip>78468R101</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>538438</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>519673</Sole>
             <Shared>0</Shared>
             <None>18765</None>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG INVT</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>9933</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9933</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
         <cusip>78468R408</cusip>
         <value>18813380</value>
         <shrsOrPrnAmt>
             <sshPrnamt>734896</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>720799</Sole>
             <Shared>0</Shared>
             <None>14097</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG 3-12 M</titleOfClass>
         <cusip>78468R523</cusip>
         <value>6552490</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65839</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>64962</Sole>
             <Shared>0</Shared>
             <None>877</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P OILGAS EXP</titleOfClass>
         <cusip>78468R556</cusip>
         <value>3619758</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27380</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27132</Sole>
             <Shared>0</Shared>
             <None>248</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
         <cusip>78468R606</cusip>
         <value>7439396</value>
         <shrsOrPrnAmt>
             <sshPrnamt>310751</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>290638</Sole>
             <Shared>0</Shared>
             <None>20113</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
         <cusip>78468R622</cusip>
         <value>3334177</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34024</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32551</Sole>
             <Shared>0</Shared>
             <None>1473</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P KENSHO NEW</titleOfClass>
         <cusip>78468R648</cusip>
         <value>1203860</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19336</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19336</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>414732658</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4520227</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>4431297</Sole>
             <Shared>0</Shared>
             <None>88930</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>NUVEEN ICE MUNIC</titleOfClass>
         <cusip>78468R721</cusip>
         <value>11344787</value>
         <shrsOrPrnAmt>
             <sshPrnamt>248953</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>242300</Sole>
             <Shared>0</Shared>
             <None>6653</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>NUVEEN ICE SHORT</titleOfClass>
         <cusip>78468R739</cusip>
         <value>12895206</value>
         <shrsOrPrnAmt>
             <sshPrnamt>267424</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>259556</Sole>
             <Shared>0</Shared>
             <None>7868</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>RUSSELL MOMENTUM</titleOfClass>
         <cusip>78468R762</cusip>
         <value>315477</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2450</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>
         <cusip>78468R788</cusip>
         <value>4854900</value>
         <shrsOrPrnAmt>
             <sshPrnamt>110339</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>105052</Sole>
             <Shared>0</Shared>
             <None>5287</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
         <cusip>78468R796</cusip>
         <value>5485</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>SSGA US LRG ETF</titleOfClass>
         <cusip>78468R804</cusip>
         <value>264388</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1484</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1333</Sole>
             <Shared>0</Shared>
             <None>151</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
         <cusip>78468R853</cusip>
         <value>11689529</value>
         <shrsOrPrnAmt>
             <sshPrnamt>252364</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>222700</Sole>
             <Shared>0</Shared>
             <None>29664</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1 10 Y</titleOfClass>
         <cusip>78468R861</cusip>
         <value>2017325</value>
         <shrsOrPrnAmt>
             <sshPrnamt>104578</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>104578</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer>
         <titleOfClass>SPDR SSGA US SCT</titleOfClass>
         <cusip>78470P408</cusip>
         <value>644145</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10806</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10806</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer>
         <titleOfClass>SPDR BRIDGEWATER</titleOfClass>
         <cusip>78470P630</cusip>
         <value>1202771</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43141</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>42141</Sole>
             <Shared>0</Shared>
             <None>1000</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>SSGA ACTIVE TR</nameOfIssuer>
         <titleOfClass>SPDR BLACKSTONE</titleOfClass>
         <cusip>78470P846</cusip>
         <value>1096036</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38256</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>23156</Sole>
             <Shared>0</Shared>
             <None>15100</None>
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     <infoTable>
         <nameOfIssuer>SKYX PLATFORMS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78471E105</cusip>
         <value>100800</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>90000</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPX TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78473E103</cusip>
         <value>257758</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1380</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1380</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SABA CAPITAL INCOME &amp; OPRNT</nameOfIssuer>
         <titleOfClass>SHS NEW</titleOfClass>
         <cusip>78518H202</cusip>
         <value>910522</value>
         <shrsOrPrnAmt>
             <sshPrnamt>117184</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>117184</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
         <titleOfClass>UNIT BEN INT</titleOfClass>
         <cusip>785688102</cusip>
         <value>887304</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11167</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6102</Sole>
             <Shared>0</Shared>
             <None>5065</None>
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     <infoTable>
         <nameOfIssuer>SABRA HEALTH CARE REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573L106</cusip>
         <value>1345769</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72198</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>71275</Sole>
             <Shared>0</Shared>
             <None>923</None>
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     <infoTable>
         <nameOfIssuer>SABRE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573M104</cusip>
         <value>19338</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10567</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10567</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SABLE OFFSHORE CORP</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>78574H104</cusip>
         <value>186858</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10702</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10702</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SAFETY INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78648T100</cusip>
         <value>39727</value>
         <shrsOrPrnAmt>
             <sshPrnamt>562</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>484</Sole>
             <Shared>0</Shared>
             <None>78</None>
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     <infoTable>
         <nameOfIssuer>SAGIMET BIOSCIENCES INC</nameOfIssuer>
         <titleOfClass>COM SER A</titleOfClass>
         <cusip>786700104</cusip>
         <value>69663</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10155</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10155</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SAIA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78709Y105</cusip>
         <value>12209759</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40786</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>40215</Sole>
             <Shared>0</Shared>
             <None>571</None>
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     <infoTable>
         <nameOfIssuer>SAILPOINT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78781J109</cusip>
         <value>2202631</value>
         <shrsOrPrnAmt>
             <sshPrnamt>99757</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>97782</Sole>
             <Shared>0</Shared>
             <None>1975</None>
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         <nameOfIssuer>ST JOE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>790148100</cusip>
         <value>1889159</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38180</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>37206</Sole>
             <Shared>0</Shared>
             <None>974</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>172694134</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <None>26130</None>
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     <infoTable>
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         <titleOfClass>COM CL A</titleOfClass>
         <cusip>79589L106</cusip>
         <value>615009</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16510</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15748</Sole>
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             <None>762</None>
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     <infoTable>
         <nameOfIssuer>SANA BIOTECHNOLOGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>799566104</cusip>
         <value>68225</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19218</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>100</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>80004C200</cusip>
         <value>278935</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2486</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <None>226</None>
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     <infoTable>
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         <value>516071</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>41220</Sole>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>801056102</cusip>
         <value>6448465</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56020</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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             <Sole>55120</Sole>
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             <None>900</None>
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         <titleOfClass>SPONSORED ADR</titleOfClass>
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         <value>28612995</value>
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             <sshPrnamt>606209</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
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     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
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         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>543108</Sole>
             <Shared>0</Shared>
             <None>20267</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>39004001</value>
         <shrsOrPrnAmt>
             <sshPrnamt>497685</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>467822</Sole>
             <Shared>0</Shared>
             <None>29863</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>59588743</value>
         <shrsOrPrnAmt>
             <sshPrnamt>248651</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>241684</Sole>
             <Shared>0</Shared>
             <None>6967</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>84750000</value>
         <shrsOrPrnAmt>
             <sshPrnamt>948616</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>927511</Sole>
             <Shared>0</Shared>
             <None>21105</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>101772840</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1889228</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1826812</Sole>
             <Shared>0</Shared>
             <None>62416</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>62322808</value>
         <shrsOrPrnAmt>
             <sshPrnamt>404085</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>390393</Sole>
             <Shared>0</Shared>
             <None>13692</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>197590703</value>
         <shrsOrPrnAmt>
             <sshPrnamt>700969</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>669613</Sole>
             <Shared>0</Shared>
             <None>31356</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>66594332</value>
         <shrsOrPrnAmt>
             <sshPrnamt>562576</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>542789</Sole>
             <Shared>0</Shared>
             <None>19787</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>RL EST SEL SEC</titleOfClass>
         <cusip>81369Y860</cusip>
         <value>11881393</value>
         <shrsOrPrnAmt>
             <sshPrnamt>282016</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>257056</Sole>
             <Shared>0</Shared>
             <None>24960</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>72941825</value>
         <shrsOrPrnAmt>
             <sshPrnamt>836361</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>802037</Sole>
             <Shared>0</Shared>
             <None>34324</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>2117010</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26113</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>26113</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GENEDX HOLDINGS CORP</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>81663L200</cusip>
         <value>219787</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2040</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1990</Sole>
             <Shared>0</Shared>
             <None>50</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMLER SCIENTIFIC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81684M104</cusip>
         <value>1541520</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51384</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51384</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMTECH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816850101</cusip>
         <value>245503</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3436</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3390</Sole>
             <Shared>0</Shared>
             <None>46</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>35319949</value>
         <shrsOrPrnAmt>
             <sshPrnamt>392527</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>378104</Sole>
             <Shared>0</Shared>
             <None>14423</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSIENT TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81725T100</cusip>
         <value>953714</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10162</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10102</Sole>
             <Shared>0</Shared>
             <None>60</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSEONICS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81727U105</cusip>
         <value>12442</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28569</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28565</Sole>
             <Shared>0</Shared>
             <None>4</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>81730H109</cusip>
         <value>5252950</value>
         <shrsOrPrnAmt>
             <sshPrnamt>298292</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>298160</Sole>
             <Shared>0</Shared>
             <None>132</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERIES PORTFOLIOS TR</nameOfIssuer>
         <titleOfClass>ELDRIDGE BBB B</titleOfClass>
         <cusip>81752T528</cusip>
         <value>5669289</value>
         <shrsOrPrnAmt>
             <sshPrnamt>211383</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>208566</Sole>
             <Shared>0</Shared>
             <None>2817</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>341781</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4107</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>3012</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>37940</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10000</Sole>
             <Shared>0</Shared>
             <None>4000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>163124116</value>
         <shrsOrPrnAmt>
             <sshPrnamt>177254</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>170610</Sole>
             <Shared>0</Shared>
             <None>6644</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICETITAN INC</nameOfIssuer>
         <titleOfClass>SHS CL A</titleOfClass>
         <cusip>81764X103</cusip>
         <value>7154673</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70958</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>69969</Sole>
             <Shared>0</Shared>
             <None>989</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>2285189</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28377</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>28377</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHARPLINK GAMING INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>820014405</cusip>
         <value>989205</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58154</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>55654</Sole>
             <Shared>0</Shared>
             <None>2500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>71936044</value>
         <shrsOrPrnAmt>
             <sshPrnamt>207710</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>201786</Sole>
             <Shared>0</Shared>
             <None>5924</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHIFT4 PMTS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>82452J109</cusip>
         <value>3545771</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45811</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>45527</Sole>
             <Shared>0</Shared>
             <None>284</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHINHAN FINANCIAL GROUP CO L</nameOfIssuer>
         <titleOfClass>SPN ADR RESTRD</titleOfClass>
         <cusip>824596100</cusip>
         <value>434051</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8617</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>8617</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOE CARNIVAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824889109</cusip>
         <value>2167760</value>
         <shrsOrPrnAmt>
             <sshPrnamt>104269</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>100842</Sole>
             <Shared>0</Shared>
             <None>3427</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A SUB VTG SHS</titleOfClass>
         <cusip>82509L107</cusip>
         <value>51889874</value>
         <shrsOrPrnAmt>
             <sshPrnamt>349168</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>332778</Sole>
             <Shared>0</Shared>
             <None>16390</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHORE BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>825107105</cusip>
         <value>16640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1014</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1014</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIBANYE STILLWATER LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>82575P107</cusip>
         <value>4100224</value>
         <shrsOrPrnAmt>
             <sshPrnamt>364788</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>359699</Sole>
             <Shared>0</Shared>
             <None>5089</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILICON LABORATORIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>826919102</cusip>
         <value>3676221</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28035</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>27341</Sole>
             <Shared>0</Shared>
             <None>694</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILGAN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>827048109</cusip>
         <value>2785109</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64759</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>64184</Sole>
             <Shared>0</Shared>
             <None>575</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SILICON MOTION TECHNOLOGY CO</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>82706C108</cusip>
         <value>915738</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9659</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>9543</Sole>
             <Shared>0</Shared>
             <None>116</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>QXO INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>82846H405</cusip>
         <value>1039264</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54526</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>52164</Sole>
             <Shared>0</Shared>
             <None>2362</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>49588150</value>
         <shrsOrPrnAmt>
             <sshPrnamt>264229</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>248565</Sole>
             <Shared>0</Shared>
             <None>15664</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPLIFY EXCHANGE TRADED FUN</nameOfIssuer>
         <titleOfClass>MANAGED FUTURES</titleOfClass>
         <cusip>82889N699</cusip>
         <value>3604133</value>
         <shrsOrPrnAmt>
             <sshPrnamt>128856</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>6408</Sole>
             <Shared>0</Shared>
             <None>111</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WELLINGTON FD</nameOfIssuer>
         <titleOfClass>SHORT TRM TAX EX</titleOfClass>
         <cusip>921935870</cusip>
         <value>1523573</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14948</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>14948</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>LONG TERM BOND</titleOfClass>
         <cusip>921937793</cusip>
         <value>13257636</value>
         <shrsOrPrnAmt>
             <sshPrnamt>187122</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>183869</Sole>
             <Shared>0</Shared>
             <None>3253</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>37812261</value>
         <shrsOrPrnAmt>
             <sshPrnamt>484218</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>476961</Sole>
             <Shared>0</Shared>
             <None>7257</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>38588855</value>
         <shrsOrPrnAmt>
             <sshPrnamt>489023</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>478147</Sole>
             <Shared>0</Shared>
             <None>10876</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>29222221</value>
         <shrsOrPrnAmt>
             <sshPrnamt>392924</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>292761</Sole>
             <Shared>0</Shared>
             <None>100163</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>340656172</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5685160</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>5492423</Sole>
             <Shared>0</Shared>
             <None>192737</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>148144420</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1051037</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1002672</Sole>
             <Shared>0</Shared>
             <None>48365</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL HIGH ETF</titleOfClass>
         <cusip>921946794</cusip>
         <value>15242485</value>
         <shrsOrPrnAmt>
             <sshPrnamt>180002</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>173550</Sole>
             <Shared>0</Shared>
             <None>6452</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL DVD ETF</titleOfClass>
         <cusip>921946810</cusip>
         <value>4865039</value>
         <shrsOrPrnAmt>
             <sshPrnamt>54314</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51722</Sole>
             <Shared>0</Shared>
             <None>2592</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>EM MK GOV BD ETF</titleOfClass>
         <cusip>921946885</cusip>
         <value>1164863</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17412</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>10163</Sole>
             <Shared>0</Shared>
             <None>7249</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>16593842</value>
         <shrsOrPrnAmt>
             <sshPrnamt>327744</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>265441</Sole>
             <Shared>0</Shared>
             <None>62303</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>VANGUARD ULTRA</titleOfClass>
         <cusip>92203C303</cusip>
         <value>14847644</value>
         <shrsOrPrnAmt>
             <sshPrnamt>296982</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>250505</Sole>
             <Shared>0</Shared>
             <None>46477</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
         <titleOfClass>TOTAL INT BD ETF</titleOfClass>
         <cusip>92203J407</cusip>
         <value>31570273</value>
         <shrsOrPrnAmt>
             <sshPrnamt>638299</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>626858</Sole>
             <Shared>0</Shared>
             <None>11441</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
         <cusip>922042676</cusip>
         <value>1249186</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26166</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>16905</Sole>
             <Shared>0</Shared>
             <None>9261</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE SMCAP ETF</titleOfClass>
         <cusip>922042718</cusip>
         <value>8064370</value>
         <shrsOrPrnAmt>
             <sshPrnamt>56570</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>43771</Sole>
             <Shared>0</Shared>
             <None>12799</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>TT WRLD ST ETF</titleOfClass>
         <cusip>922042742</cusip>
         <value>21754407</value>
         <shrsOrPrnAmt>
             <sshPrnamt>157867</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>152971</Sole>
             <Shared>0</Shared>
             <None>4896</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>88348818</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1237894</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>1003819</Sole>
             <Shared>0</Shared>
             <None>234075</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>143256091</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2644078</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>2561261</Sole>
             <Shared>0</Shared>
             <None>82817</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
         <cusip>922042866</cusip>
         <value>7744957</value>
         <shrsOrPrnAmt>
             <sshPrnamt>88171</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>87651</Sole>
             <Shared>0</Shared>
             <None>520</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
         <value>65023784</value>
         <shrsOrPrnAmt>
             <sshPrnamt>814838</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>803311</Sole>
             <Shared>0</Shared>
             <None>11527</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>14184892</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35809</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>35257</Sole>
             <Shared>0</Shared>
             <None>552</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>CONSUM STP ETF</titleOfClass>
         <cusip>92204A207</cusip>
         <value>20163406</value>
         <shrsOrPrnAmt>
             <sshPrnamt>94323</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>92464</Sole>
             <Shared>0</Shared>
             <None>1859</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>21234942</value>
         <shrsOrPrnAmt>
             <sshPrnamt>168707</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>158987</Sole>
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             <None>9720</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>19157503</value>
         <shrsOrPrnAmt>
             <sshPrnamt>145961</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>132646</Sole>
             <Shared>0</Shared>
             <None>13315</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>24943412</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96073</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>88177</Sole>
             <Shared>0</Shared>
             <None>7896</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>INDUSTRIAL ETF</titleOfClass>
         <cusip>92204A603</cusip>
         <value>18237208</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61543</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>60436</Sole>
             <Shared>0</Shared>
             <None>1107</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>179230732</value>
         <shrsOrPrnAmt>
             <sshPrnamt>240025</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>224154</Sole>
             <Shared>0</Shared>
             <None>15871</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>7088971</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34603</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>32481</Sole>
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             <None>2122</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>18761901</value>
         <shrsOrPrnAmt>
             <sshPrnamt>99045</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>96022</Sole>
             <Shared>0</Shared>
             <None>3023</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>COMM SRVC ETF</titleOfClass>
         <cusip>92204A884</cusip>
         <value>9695143</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51633</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>51224</Sole>
             <Shared>0</Shared>
             <None>409</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHORT TERM TREAS</titleOfClass>
         <cusip>92206C102</cusip>
         <value>8154238</value>
         <shrsOrPrnAmt>
             <sshPrnamt>138555</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>119128</Sole>
             <Shared>0</Shared>
             <None>19427</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>33463779</value>
         <shrsOrPrnAmt>
             <sshPrnamt>418653</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>404321</Sole>
             <Shared>0</Shared>
             <None>14332</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>TOTAL CORP BND</titleOfClass>
         <cusip>92206C573</cusip>
         <value>3802751</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48517</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>47513</Sole>
             <Shared>0</Shared>
             <None>1004</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS3000IDX</titleOfClass>
         <cusip>92206C599</cusip>
         <value>5778085</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19632</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>19174</Sole>
             <Shared>0</Shared>
             <None>458</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000GRW</titleOfClass>
         <cusip>92206C623</cusip>
         <value>3685373</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15764</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
         <votingAuthority>
             <Sole>15764</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000VAL</titleOfClass>
         <cusip>92206C649</cusip>
         <value>1251324</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8028</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>1</otherManager>
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         <titleOfClass>TOTAL STK MKT</titleOfClass>
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         <nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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         <cusip>00162Q387</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <value>6617</value>
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             <sshPrnamt>175</sshPrnamt>
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         <nameOfIssuer>AVNET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>8655</value>
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             <sshPrnamt>166</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>AXCELIS TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>054540208</cusip>
         <value>190104</value>
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             <sshPrnamt>1947</sshPrnamt>
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             <Sole>1947</Sole>
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         <nameOfIssuer>AXON ENTERPRISE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>05464C101</cusip>
         <value>72482</value>
         <shrsOrPrnAmt>
             <sshPrnamt>101</sshPrnamt>
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             <Sole>101</Sole>
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         <nameOfIssuer>AXSOME THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>05464T104</cusip>
         <value>2550</value>
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             <sshPrnamt>21</sshPrnamt>
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         <nameOfIssuer>BCE INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>05534B760</cusip>
         <value>26641</value>
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             <sshPrnamt>1139</sshPrnamt>
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             <Sole>1139</Sole>
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         <nameOfIssuer>BJS WHSL CLUB HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>05550J101</cusip>
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             <sshPrnamt>2787</sshPrnamt>
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         <nameOfIssuer>BOK FINL CORP</nameOfIssuer>
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             <sshPrnamt>155</sshPrnamt>
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         <nameOfIssuer>BP PLC</nameOfIssuer>
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         <value>336666</value>
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             <sshPrnamt>9770</sshPrnamt>
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         <nameOfIssuer>BRC INC</nameOfIssuer>
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         <value>187</value>
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             <sshPrnamt>120</sshPrnamt>
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         <nameOfIssuer>BWX TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>05605H100</cusip>
         <value>968586</value>
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             <sshPrnamt>5252</sshPrnamt>
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             <Sole>5252</Sole>
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         <nameOfIssuer>BADGER METER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>056525108</cusip>
         <value>5000</value>
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             <sshPrnamt>28</sshPrnamt>
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             <Sole>28</Sole>
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         <nameOfIssuer>BAIDU INC</nameOfIssuer>
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         <cusip>056752108</cusip>
         <value>922</value>
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         <nameOfIssuer>BAKER HUGHES COMPANY</nameOfIssuer>
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         <value>58416</value>
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         <nameOfIssuer>BALCHEM CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>51169</value>
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             <sshPrnamt>341</sshPrnamt>
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         <nameOfIssuer>BALL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>058498106</cusip>
         <value>21781</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BANCFIRST CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>05945F103</cusip>
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         <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>
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         <nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>
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         <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
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         <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
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         <cusip>060505682</cusip>
         <value>10240</value>
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         <nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>533201</value>
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         <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>BANK NOVA SCOTIA HALIFAX</nameOfIssuer>
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         <nameOfIssuer>BANK OZK LITTLE ROCK ARK</nameOfIssuer>
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         <nameOfIssuer>BANNER CORP</nameOfIssuer>
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         <cusip>06652V208</cusip>
         <value>3537</value>
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         <nameOfIssuer>BARCLAYS PLC</nameOfIssuer>
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         <cusip>06738E204</cusip>
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         <nameOfIssuer>BARRICK MNG CORP</nameOfIssuer>
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         <cusip>06849F108</cusip>
         <value>443101</value>
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         <nameOfIssuer>BEAM THERAPEUTICS INC</nameOfIssuer>
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         <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>075887109</cusip>
         <value>2828528</value>
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         <nameOfIssuer>BEONE MEDICINES LTD</nameOfIssuer>
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         <cusip>07725L102</cusip>
         <value>89265</value>
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         <nameOfIssuer>BELDEN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>4210</value>
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         <nameOfIssuer>BELLRING BRANDS INC</nameOfIssuer>
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         <cusip>07831C103</cusip>
         <value>313449</value>
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         <nameOfIssuer>BENTLEY SYS INC</nameOfIssuer>
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         <cusip>08265T208</cusip>
         <value>381265</value>
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         <nameOfIssuer>BERKLEY W R CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>084423102</cusip>
         <value>578404</value>
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         <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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         <cusip>084670108</cusip>
         <value>1508400</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
         <titleOfClass>CL B NEW</titleOfClass>
         <cusip>084670702</cusip>
         <value>16091188</value>
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             <sshPrnamt>32007</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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     <infoTable>
         <nameOfIssuer>BEST BUY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>086516101</cusip>
         <value>564427</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1450</Sole>
             <Shared>0</Shared>
             <None>67</None>
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     <infoTable>
         <nameOfIssuer>CAMBRIA ETF TR</nameOfIssuer>
         <titleOfClass>CAMBRIA FGN SHR</titleOfClass>
         <cusip>132061300</cusip>
         <value>7165</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>
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     <infoTable>
         <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>133131102</cusip>
         <value>18900</value>
         <shrsOrPrnAmt>
             <sshPrnamt>177</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>177</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CAMECO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13321L108</cusip>
         <value>762747</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9095</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9095</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136375102</cusip>
         <value>298947</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3170</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3170</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>277409</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8680</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8680</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13646K108</cusip>
         <value>199772</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2682</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2682</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP INTL FOCUS EQT</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14019W109</cusip>
         <value>4933011</value>
         <shrsOrPrnAmt>
             <sshPrnamt>166547</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>165146</Sole>
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             <None>1401</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP GROWTH ETF</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14020G101</cusip>
         <value>4637318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>105580</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>105125</Sole>
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             <None>455</None>
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         <nameOfIssuer>CAPITAL GROUP GLOBAL EQUITY</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>14020R107</cusip>
         <value>18258</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>593</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP CORE EQUITY ET</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14020V108</cusip>
         <value>1755094</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44384</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>44355</Sole>
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             <None>29</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP DIVIDEND VALUE</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14020W106</cusip>
         <value>6160118</value>
         <shrsOrPrnAmt>
             <sshPrnamt>146561</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>145878</Sole>
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             <None>683</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP GBL GROWTH EQT</nameOfIssuer>
         <titleOfClass>SHS CREATION UNI</titleOfClass>
         <cusip>14020X104</cusip>
         <value>214418</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6274</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6274</Sole>
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             <None>0</None>
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         <titleOfClass>CORE PLUS INCM</titleOfClass>
         <cusip>14020Y102</cusip>
         <value>4724723</value>
         <shrsOrPrnAmt>
             <sshPrnamt>207957</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>205427</Sole>
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             <None>2530</None>
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         <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
         <titleOfClass>SHORT DURATION</titleOfClass>
         <cusip>14020Y409</cusip>
         <value>935270</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35997</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>35958</Sole>
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             <None>39</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
         <titleOfClass>CORE BOND ETF</titleOfClass>
         <cusip>14020Y508</cusip>
         <value>216122</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8131</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8131</Sole>
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             <None>0</None>
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         <nameOfIssuer>CAPITAL GROUP CORE BALANCED</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>14021D107</cusip>
         <value>27047</value>
         <shrsOrPrnAmt>
             <sshPrnamt>779</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>779</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP INTERNATIONAL</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>14021M107</cusip>
         <value>45859</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1360</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1360</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP NEW GEOGRAPHY</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>14021N105</cusip>
         <value>7292</value>
         <shrsOrPrnAmt>
             <sshPrnamt>236</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>236</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP INTERNATIONAL</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>14021T102</cusip>
         <value>55735</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1809</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1809</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CAPITAL GROUP EQUITY ETF TR</nameOfIssuer>
         <titleOfClass>US SMALL AND MID</titleOfClass>
         <cusip>14022A102</cusip>
         <value>83239</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2932</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2932</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14040H105</cusip>
         <value>2561525</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12049</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11991</Sole>
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             <None>58</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14149Y108</cusip>
         <value>51991</value>
         <shrsOrPrnAmt>
             <sshPrnamt>331</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>331</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CARETRUST REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14174T107</cusip>
         <value>33976</value>
         <shrsOrPrnAmt>
             <sshPrnamt>980</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>980</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CARGURUS INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>141788109</cusip>
         <value>68464</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1839</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1757</Sole>
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             <None>82</None>
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     <infoTable>
         <nameOfIssuer>CARLISLE COS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>142339100</cusip>
         <value>719107</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2186</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2111</Sole>
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             <None>75</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>CARMAX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>143130102</cusip>
         <value>50928</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1135</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1057</Sole>
             <Shared>0</Shared>
             <None>78</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
         <titleOfClass>UNIT 99/99/9999</titleOfClass>
         <cusip>143658300</cusip>
         <value>392659</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13582</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13275</Sole>
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             <None>307</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CARPENTER TECHNOLOGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>144285103</cusip>
         <value>18170</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>CARRIER GLOBAL CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14448C104</cusip>
         <value>619166</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10373</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10288</Sole>
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             <None>85</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CARS COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14575E105</cusip>
         <value>3959</value>
         <shrsOrPrnAmt>
             <sshPrnamt>324</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>324</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CARVANA CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>146869102</cusip>
         <value>73560</value>
         <shrsOrPrnAmt>
             <sshPrnamt>195</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>188</Sole>
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             <None>7</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CASELLA WASTE SYS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>147448104</cusip>
         <value>23245</value>
         <shrsOrPrnAmt>
             <sshPrnamt>245</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>245</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CASEYS GEN STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>147528103</cusip>
         <value>3849846</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6810</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6782</Sole>
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             <None>28</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CASS INFORMATION SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14808P109</cusip>
         <value>3933</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>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CAVA GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>148929102</cusip>
         <value>481287</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7967</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7647</Sole>
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             <None>320</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>149123101</cusip>
         <value>3755395</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7869</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7700</Sole>
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             <None>169</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CAVCO INDS INC DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>149568107</cusip>
         <value>1161</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2</Sole>
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             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>TRUMP MEDIA &amp; TECHNOLOGY GRO</nameOfIssuer>
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             <Shared>0</Shared>
             <None>47</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>316773100</cusip>
         <value>783399</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17584</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17584</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST CTZNS BANCSHARES INC D</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>31946M103</cusip>
         <value>57253</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>FIRST HORIZON CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>320517105</cusip>
         <value>41376</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1830</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1830</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST HAWAIIAN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32051X108</cusip>
         <value>125987</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5074</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5074</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32054K103</cusip>
         <value>16779</value>
         <shrsOrPrnAmt>
             <sshPrnamt>326</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>326</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST INTST BANCSYSTEM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>32055Y201</cusip>
         <value>12748</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>400</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>336433107</cusip>
         <value>104090</value>
         <shrsOrPrnAmt>
             <sshPrnamt>472</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>472</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>336917109</cusip>
         <value>98312</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2265</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2265</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>39856</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2082</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2082</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>6464</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>58</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>CAP STRENGTH ETF</titleOfClass>
         <cusip>33733E104</cusip>
         <value>434240</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4637</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4557</Sole>
             <Shared>0</Shared>
             <None>80</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>DJ INTERNT IDX</titleOfClass>
         <cusip>33733E302</cusip>
         <value>336928</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1204</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1177</Sole>
             <Shared>0</Shared>
             <None>27</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NAT GAS ETF</titleOfClass>
         <cusip>33733E807</cusip>
         <value>327750</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13953</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3721</Sole>
             <Shared>0</Shared>
             <None>10232</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>337344105</cusip>
         <value>12418</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>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>33734H106</cusip>
         <value>5251024</value>
         <shrsOrPrnAmt>
             <sshPrnamt>113560</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>113399</Sole>
             <Shared>0</Shared>
             <None>161</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>33734K109</cusip>
         <value>86447</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>24543</value>
         <shrsOrPrnAmt>
             <sshPrnamt>540</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>540</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>CLOUD COMPUTING</titleOfClass>
         <cusip>33734X192</cusip>
         <value>4974</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>37</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>DJ GLBL DIVID</titleOfClass>
         <cusip>33734X200</cusip>
         <value>60922</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2119</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2119</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>371174</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4883</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4883</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>200358</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1326</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1326</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>15932</value>
         <shrsOrPrnAmt>
             <sshPrnamt>211</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>211</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
         <titleOfClass>MID CP GR ALPH</titleOfClass>
         <cusip>33737M102</cusip>
         <value>147317</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>72113</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1305</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1305</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>1283386</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33517</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>33517</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>84539</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1845</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1845</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>22959</value>
         <shrsOrPrnAmt>
             <sshPrnamt>546</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>546</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>LIMITED DURATION</titleOfClass>
         <cusip>33738D804</cusip>
         <value>76840</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4000</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>76081</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3519</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3519</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>235417</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9107</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9107</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>12521</value>
         <shrsOrPrnAmt>
             <sshPrnamt>127</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>127</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDAQ BUYWRITE</titleOfClass>
         <cusip>33738R407</cusip>
         <value>19611</value>
         <shrsOrPrnAmt>
             <sshPrnamt>952</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>952</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>322765</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4799</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4799</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>RBA INDL ETF</titleOfClass>
         <cusip>33738R704</cusip>
         <value>43513</value>
         <shrsOrPrnAmt>
             <sshPrnamt>450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>450</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ ARTFCIAL</titleOfClass>
         <cusip>33738R720</cusip>
         <value>12429</value>
         <shrsOrPrnAmt>
             <sshPrnamt>235</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>235</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>13867</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>586425</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>32017</Sole>
             <Shared>0</Shared>
             <None>133</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>MANAGD MUN ETF</titleOfClass>
         <cusip>33739N108</cusip>
         <value>30941</value>
         <shrsOrPrnAmt>
             <sshPrnamt>610</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>610</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>3847726</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55010</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>55010</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>89419</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1796</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1796</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>3735861</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62358</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>62358</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>140189</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2843</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2843</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>80350</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4054</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4054</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
         <titleOfClass>SMITH OPPORT FXD</titleOfClass>
         <cusip>33740F805</cusip>
         <value>77468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1744</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1744</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SMID RISNG ETF</titleOfClass>
         <cusip>33741X102</cusip>
         <value>20873</value>
         <shrsOrPrnAmt>
             <sshPrnamt>549</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>549</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTCASH HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33768G107</cusip>
         <value>42933</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>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>223697</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1735</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1735</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>806157</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17594</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>17594</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>59869</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>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>MORNSTAR UPSTR</titleOfClass>
         <cusip>33939L407</cusip>
         <value>54332</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1240</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1240</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>HIG YLD VL ETF</titleOfClass>
         <cusip>33939L662</cusip>
         <value>649</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>INT QLTDVDYNAM</titleOfClass>
         <cusip>33939L829</cusip>
         <value>35091</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1034</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1034</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>QLT DIV DEF IDX</titleOfClass>
         <cusip>33939L845</cusip>
         <value>119177</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1490</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1490</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>QUALT DIVD IDX</titleOfClass>
         <cusip>33939L860</cusip>
         <value>100362</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1264</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1264</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>FLEXSHARES ULTRA</titleOfClass>
         <cusip>33939L886</cusip>
         <value>73665</value>
         <shrsOrPrnAmt>
             <sshPrnamt>974</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>974</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>55718</value>
         <shrsOrPrnAmt>
             <sshPrnamt>756</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>756</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>343412102</cusip>
         <value>6521</value>
         <shrsOrPrnAmt>
             <sshPrnamt>155</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>155</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34354P105</cusip>
         <value>1778075</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33460</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>33410</Sole>
             <Shared>0</Shared>
             <None>50</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FOMENTO ECONOMICO MEXICANO S</nameOfIssuer>
         <titleOfClass>SPON ADR UNITS</titleOfClass>
         <cusip>344419106</cusip>
         <value>8382</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>23</Sole>
             <Shared>0</Shared>
             <None>62</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORD MTR CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>345370860</cusip>
         <value>368154</value>
         <shrsOrPrnAmt>
             <sshPrnamt>30783</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>30783</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORMFACTOR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>346375108</cusip>
         <value>6665</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>183</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>349553107</cusip>
         <value>14733</value>
         <shrsOrPrnAmt>
             <sshPrnamt>290</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>290</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTINET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
         <value>124691</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1483</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1483</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
         <value>51930</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1060</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1060</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34964C106</cusip>
         <value>12601</value>
         <shrsOrPrnAmt>
             <sshPrnamt>236</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>236</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FOX CORP</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>35137L105</cusip>
         <value>1198</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>FOX CORP</nameOfIssuer>
         <titleOfClass>CL B COM</titleOfClass>
         <cusip>35137L204</cusip>
         <value>18717</value>
         <shrsOrPrnAmt>
             <sshPrnamt>327</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>327</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANCO NEV CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>351858105</cusip>
         <value>27864</value>
         <shrsOrPrnAmt>
             <sshPrnamt>125</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>125</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANKLIN RESOURCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>354613101</cusip>
         <value>4626</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
         <titleOfClass>INCOME FOCUS ETF</titleOfClass>
         <cusip>35473P439</cusip>
         <value>2020146</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72824</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>72824</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>12545</value>
         <shrsOrPrnAmt>
             <sshPrnamt>363</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>363</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRANKLIN UNVL TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>355145103</cusip>
         <value>175779</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21863</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21863</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>35671D857</cusip>
         <value>1006621</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25666</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>25491</Sole>
             <Shared>0</Shared>
             <None>175</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRESHPET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>358039105</cusip>
         <value>38799</value>
         <shrsOrPrnAmt>
             <sshPrnamt>704</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>704</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FRONTDOOR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>35905A109</cusip>
         <value>5787</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86</sshPrnamt>
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         <nameOfIssuer>HF SINCLAIR CORP</nameOfIssuer>
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         <nameOfIssuer>HA SUSTAINABLE INFRA CAP INC</nameOfIssuer>
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         <titleOfClass>COM</titleOfClass>
         <cusip>410867105</cusip>
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         <nameOfIssuer>HARLEY DAVIDSON INC</nameOfIssuer>
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         <nameOfIssuer>HARMONY GOLD MINING CO LTD</nameOfIssuer>
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         <nameOfIssuer>HARTFORD INSURANCE GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>12</None>
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         <nameOfIssuer>HARTFORD FDS EXCHANGE TRADED</nameOfIssuer>
         <titleOfClass>TOTAL RTRN ETF</titleOfClass>
         <cusip>41653L305</cusip>
         <value>723</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>15625</value>
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             <sshPrnamt>96</sshPrnamt>
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             <Sole>96</Sole>
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         <nameOfIssuer>IDEXX LABS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45168D104</cusip>
         <value>1483498</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2322</sshPrnamt>
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         <otherManager>3</otherManager>
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             <Sole>2322</Sole>
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             <None>0</None>
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         <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>452308109</cusip>
         <value>6299976</value>
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             <sshPrnamt>24156</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>23943</Sole>
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             <None>213</None>
         </votingAuthority>
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         <nameOfIssuer>ILLUMINA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>452327109</cusip>
         <value>81495</value>
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             <sshPrnamt>858</sshPrnamt>
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             <Sole>851</Sole>
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             <None>7</None>
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         <nameOfIssuer>IMPERIAL OIL LTD</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>453038408</cusip>
         <value>12614</value>
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             <sshPrnamt>139</sshPrnamt>
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             <None>102</None>
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         <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>456837103</cusip>
         <value>5007</value>
         <shrsOrPrnAmt>
             <sshPrnamt>192</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>121037</value>
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             <sshPrnamt>1465</sshPrnamt>
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         <nameOfIssuer>INGEVITY CORP</nameOfIssuer>
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             <Sole>172</Sole>
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     <infoTable>
         <nameOfIssuer>INGREDION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>594327</value>
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             <sshPrnamt>4867</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>4818</Sole>
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             <None>49</None>
         </votingAuthority>
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         <nameOfIssuer>INNODATA INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>457642205</cusip>
         <value>6320</value>
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             <sshPrnamt>82</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>INSIGHT ENTERPRISES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45765U103</cusip>
         <value>6011</value>
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             <sshPrnamt>53</sshPrnamt>
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             <Sole>53</Sole>
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     <infoTable>
         <nameOfIssuer>INSMED INC</nameOfIssuer>
         <titleOfClass>COM PAR $.01</titleOfClass>
         <cusip>457669307</cusip>
         <value>101665</value>
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             <sshPrnamt>706</sshPrnamt>
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         <otherManager>3</otherManager>
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         <nameOfIssuer>INSPERITY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45778Q107</cusip>
         <value>23911</value>
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             <sshPrnamt>486</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>486</Sole>
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     <infoTable>
         <nameOfIssuer>INSTALLED BLDG PRODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45780R101</cusip>
         <value>163041</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>661</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INSULET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45784P101</cusip>
         <value>51249</value>
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             <sshPrnamt>166</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>166</Sole>
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     <infoTable>
         <nameOfIssuer>INTEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>458140100</cusip>
         <value>781656</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23298</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>268</None>
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     <infoTable>
         <nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45826H109</cusip>
         <value>65099</value>
         <shrsOrPrnAmt>
             <sshPrnamt>630</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>604</Sole>
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     <infoTable>
         <nameOfIssuer>INTELLIA THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45826J105</cusip>
         <value>4128</value>
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             <sshPrnamt>239</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>239</Sole>
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     <infoTable>
         <nameOfIssuer>INTAPP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>45827U109</cusip>
         <value>8917</value>
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             <sshPrnamt>218</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>218</Sole>
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     <infoTable>
         <nameOfIssuer>INTERPARFUMS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>458334109</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>45841N107</cusip>
         <value>570436</value>
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     <infoTable>
         <nameOfIssuer>INTERCONTINENTAL HOTELS GROU</nameOfIssuer>
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         <cusip>45857P806</cusip>
         <value>2668</value>
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     <infoTable>
         <nameOfIssuer>INTERFACE INC</nameOfIssuer>
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         <cusip>458665304</cusip>
         <value>68588</value>
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     <infoTable>
         <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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     <infoTable>
         <nameOfIssuer>INTERDIGITAL INC</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>459200101</cusip>
         <value>9924552</value>
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     <infoTable>
         <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>459506101</cusip>
         <value>86217</value>
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         <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
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         <cusip>460146103</cusip>
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     <infoTable>
         <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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         <cusip>46090E103</cusip>
         <value>26932530</value>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>46131M106</cusip>
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         <cusip>46137V100</cusip>
         <value>653984</value>
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     <infoTable>
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         <cusip>46137V134</cusip>
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     <infoTable>
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         <titleOfClass>WATER RES ETF</titleOfClass>
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         <value>1555867</value>
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             <None>0</None>
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         <cusip>46137V217</cusip>
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         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <shrsOrPrnAmt>
             <sshPrnamt>196</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>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <cusip>46137V357</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>146771</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>5480</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>S&amp;P 500 GARP ETF</titleOfClass>
         <cusip>46137V431</cusip>
         <value>35814</value>
         <shrsOrPrnAmt>
             <sshPrnamt>315</sshPrnamt>
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             <None>123</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <cusip>46137V464</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>383</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <cusip>46137V472</cusip>
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         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <cusip>46137V498</cusip>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>NASDAQ INTERNT</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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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>LEISURE AND ENTE</titleOfClass>
         <cusip>46137V720</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>9239</sshPrnamt>
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     <infoTable>
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         <shrsOrPrnAmt>
             <sshPrnamt>1699</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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         <cusip>46137V746</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>459</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
         <titleOfClass>DORSEY WRGT INDS</titleOfClass>
         <cusip>46137V845</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>3232</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
         <titleOfClass>UNIT</titleOfClass>
         <cusip>46138B103</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>686</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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         <cusip>46138E198</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>493</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
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         <cusip>46138E222</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>434</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <shrsOrPrnAmt>
             <sshPrnamt>4569</sshPrnamt>
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     <infoTable>
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             <sshPrnamt>19563</sshPrnamt>
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     <infoTable>
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         <shrsOrPrnAmt>
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     <infoTable>
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         <shrsOrPrnAmt>
             <sshPrnamt>1011</sshPrnamt>
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     <infoTable>
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         <shrsOrPrnAmt>
             <sshPrnamt>18715</sshPrnamt>
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     <infoTable>
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         <shrsOrPrnAmt>
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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>
         <titleOfClass>EMRNG MKT SVRG</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>121</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>DORSEY WRGT DVLP</titleOfClass>
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         <shrsOrPrnAmt>
             <sshPrnamt>218</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>285</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>285</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
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         <titleOfClass>NASDAQ 100 ETF</titleOfClass>
         <cusip>46138G649</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>S&amp;P SMALLCAP 600</titleOfClass>
         <cusip>46138G664</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
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         <cusip>46138G672</cusip>
         <value>23252</value>
         <shrsOrPrnAmt>
             <sshPrnamt>186</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>186</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
         <titleOfClass>SOLAR ETF</titleOfClass>
         <cusip>46138G706</cusip>
         <value>3232</value>
         <shrsOrPrnAmt>
             <sshPrnamt>74</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>74</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
         <titleOfClass>RUSL 1000 DYNM</titleOfClass>
         <cusip>46138J619</cusip>
         <value>42643</value>
         <shrsOrPrnAmt>
             <sshPrnamt>707</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>707</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
         <titleOfClass>BULSHS 2025 CB</titleOfClass>
         <cusip>46138J825</cusip>
         <value>51754</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2501</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>2501</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
         <titleOfClass>AGRICULTURE FD</titleOfClass>
         <cusip>46140H106</cusip>
         <value>33782</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1262</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1262</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
         <titleOfClass>PRECIOUS METAL</titleOfClass>
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         <value>11560</value>
         <shrsOrPrnAmt>
             <sshPrnamt>130</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>130</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
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         <cusip>46435G425</cusip>
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         <cusip>46435G516</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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         <cusip>46435GAA0</cusip>
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     <infoTable>
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         <cusip>46435U515</cusip>
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             <sshPrnamt>78</sshPrnamt>
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         <otherManager>3</otherManager>
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         <cusip>46435U549</cusip>
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         <shrsOrPrnAmt>
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         <cusip>46435U556</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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         <otherManager>3</otherManager>
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         <cusip>46435U713</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
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         <titleOfClass>IBONDS DEC 2032</titleOfClass>
         <cusip>46436E296</cusip>
         <value>1989</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
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         <cusip>46436E312</cusip>
         <value>865751</value>
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     <infoTable>
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         <cusip>46436E460</cusip>
         <value>1995</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
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         <nameOfIssuer>KONTOOR BRANDS INC</nameOfIssuer>
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         <nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
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         <nameOfIssuer>KRATOS DEFENSE &amp; SEC SOLUTIO</nameOfIssuer>
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         <nameOfIssuer>KROGER CO</nameOfIssuer>
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         <nameOfIssuer>LCI INDS</nameOfIssuer>
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         <nameOfIssuer>LPL FINL HLDGS INC</nameOfIssuer>
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         <nameOfIssuer>LTC PPTYS INC</nameOfIssuer>
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         <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
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         <nameOfIssuer>LAMAR ADVERTISING CO NEW</nameOfIssuer>
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         <nameOfIssuer>MARZETTI COMPANY</nameOfIssuer>
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         <nameOfIssuer>LATTICE SEMICONDUCTOR CORP</nameOfIssuer>
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         <nameOfIssuer>LEGG MASON ETF INVT</nameOfIssuer>
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         <nameOfIssuer>LIBERTY MEDIA CORP DEL</nameOfIssuer>
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         <value>98915</value>
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         <titleOfClass>COM</titleOfClass>
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         <value>34785</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>651639106</cusip>
         <value>3976316</value>
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             <None>650</None>
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         <titleOfClass>COM SHS</titleOfClass>
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         <value>7736</value>
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         <cusip>65290E101</cusip>
         <value>7024</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>65339F101</cusip>
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             <None>0</None>
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         <cusip>653656108</cusip>
         <value>6804</value>
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             <None>0</None>
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         <titleOfClass>COM</titleOfClass>
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         <value>1211</value>
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             <None>0</None>
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         <titleOfClass>CL B</titleOfClass>
         <cusip>654106103</cusip>
         <value>1272433</value>
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             <None>434</None>
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         <nameOfIssuer>NISOURCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>65473P105</cusip>
         <value>12774</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM</titleOfClass>
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         <value>3121</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>655663102</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>655844108</cusip>
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             <None>79</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>665859104</cusip>
         <value>10499</value>
         <shrsOrPrnAmt>
             <sshPrnamt>78</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>666807102</cusip>
         <value>2235740</value>
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         <nameOfIssuer>NWPX INFRASTRUCTURE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>667746101</cusip>
         <value>3599</value>
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             <None>0</None>
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         <nameOfIssuer>NOVAGOLD RES INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>66987E206</cusip>
         <value>11106</value>
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         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>66987V109</cusip>
         <value>2896436</value>
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         <nameOfIssuer>NOVANTA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67000B104</cusip>
         <value>54682</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>24</None>
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         <titleOfClass>ADR</titleOfClass>
         <cusip>670100205</cusip>
         <value>472189</value>
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             <None>1529</None>
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     <infoTable>
         <nameOfIssuer>NUCOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670346105</cusip>
         <value>96156</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>29</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670657105</cusip>
         <value>7039</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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             <None>0</None>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <value>47029836</value>
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             <None>1812</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066V101</cusip>
         <value>45884</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUNICIPAL CREDIT INC</nameOfIssuer>
         <titleOfClass>COM SH BEN INT</titleOfClass>
         <cusip>67070X101</cusip>
         <value>42205</value>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071L106</cusip>
         <value>51543</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>4194</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67073B106</cusip>
         <value>41998</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>5122</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN CR STRATEGIES INCOME</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67073D102</cusip>
         <value>6060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1150</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN MULTI ASSET INCOME FU</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670750108</cusip>
         <value>80449</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6198</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>6198</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>288403</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>60</None>
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     <infoTable>
         <nameOfIssuer>NUSCALE PWR CORP</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>67079K100</cusip>
         <value>1044576</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>29016</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN VRIABL RAT PFD &amp; INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67080R102</cusip>
         <value>818149</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>40989</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670837103</cusip>
         <value>156810</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670928100</cusip>
         <value>130210</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>133623</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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         <nameOfIssuer>OSI SYSTEMS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>CHORD ENERGY CORPORATION</nameOfIssuer>
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             <sshPrnamt>41</sshPrnamt>
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         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>674599105</cusip>
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         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
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         <nameOfIssuer>OKTA INC</nameOfIssuer>
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         <cusip>679295105</cusip>
         <value>48601</value>
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     <infoTable>
         <nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>679580100</cusip>
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         <nameOfIssuer>OLD REP INTL CORP</nameOfIssuer>
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         <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
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         <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
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         <nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
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         <cusip>682189105</cusip>
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         <nameOfIssuer>ONE GAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ONDAS HLDGS INC</nameOfIssuer>
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         <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
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         <nameOfIssuer>ONEMAIN HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ONESTREAM INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
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         <value>4497</value>
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         <nameOfIssuer>ONESPAN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68287N100</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>99</sshPrnamt>
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         <nameOfIssuer>ONTO INNOVATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>683344105</cusip>
         <value>22227</value>
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         <nameOfIssuer>OPENDOOR TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>683712103</cusip>
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         <nameOfIssuer>OPEN LENDING CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68373J104</cusip>
         <value>2110</value>
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         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
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         <value>638</value>
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         <nameOfIssuer>ORION PROPERTIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68629Y103</cusip>
         <value>8</value>
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         <nameOfIssuer>OSHKOSH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>688239201</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68902V107</cusip>
         <value>74869</value>
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         <nameOfIssuer>OUTFRONT MEDIA INC</nameOfIssuer>
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         <nameOfIssuer>BED BATH &amp; BEYOND INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>690370101</cusip>
         <value>20</value>
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         <nameOfIssuer>OWENS CORNING NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>690742101</cusip>
         <value>157305</value>
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         <nameOfIssuer>OXFORD INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>691497309</cusip>
         <value>405</value>
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     <infoTable>
         <nameOfIssuer>PG&amp;E CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69331C108</cusip>
         <value>26134</value>
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         <nameOfIssuer>PJT PARTNERS INC</nameOfIssuer>
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         <cusip>69343T107</cusip>
         <value>102671</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
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         <cusip>69344A107</cusip>
         <value>6780422</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>PGIM ETF TR</nameOfIssuer>
         <titleOfClass>AAA CLO ETF</titleOfClass>
         <cusip>69344A834</cusip>
         <value>27141</value>
         <shrsOrPrnAmt>
             <sshPrnamt>527</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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     <infoTable>
         <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693475105</cusip>
         <value>1508967</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>POSCO HOLDINGS INC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>693483109</cusip>
         <value>2756</value>
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             <sshPrnamt>56</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>TXNM ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69349H107</cusip>
         <value>1810</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>PPG INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>693506107</cusip>
         <value>1073241</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>10167</Sole>
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     <infoTable>
         <nameOfIssuer>PPL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69351T106</cusip>
         <value>359450</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>9673</Sole>
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             <None>0</None>
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         <nameOfIssuer>ROYAL BK CDA</nameOfIssuer>
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         <nameOfIssuer>RUBRIK INC.</nameOfIssuer>
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         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
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         <cusip>78433H303</cusip>
         <value>349768</value>
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         <titleOfClass>COM</titleOfClass>
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         <cusip>78463V107</cusip>
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         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
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         <value>983</value>
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         <cusip>78463X541</cusip>
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             <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>57210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1337</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1337</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
         <cusip>78464A201</cusip>
         <value>9985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>106</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>106</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>NUVEEN ICE HIGH</titleOfClass>
         <cusip>78464A284</cusip>
         <value>4170</value>
         <shrsOrPrnAmt>
             <sshPrnamt>167</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>167</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
         <cusip>78464A300</cusip>
         <value>34708</value>
         <shrsOrPrnAmt>
             <sshPrnamt>392</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>392</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BBG CONV SEC ETF</titleOfClass>
         <cusip>78464A359</cusip>
         <value>36834</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 SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
         <cusip>78464A375</cusip>
         <value>6778</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORT MTG BK ETF</titleOfClass>
         <cusip>78464A383</cusip>
         <value>73962</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3296</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3296</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
         <cusip>78464A409</cusip>
         <value>287469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2750</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
         <cusip>78464A508</cusip>
         <value>28224</value>
         <shrsOrPrnAmt>
             <sshPrnamt>510</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>510</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P TRANSN ETF</titleOfClass>
         <cusip>78464A532</cusip>
         <value>922</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>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO AGRGTE</titleOfClass>
         <cusip>78464A649</cusip>
         <value>1644</value>
         <shrsOrPrnAmt>
             <sshPrnamt>64</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>64</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
         <cusip>78464A664</cusip>
         <value>1082297</value>
         <shrsOrPrnAmt>
             <sshPrnamt>40159</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>23745</Sole>
             <Shared>0</Shared>
             <None>16414</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>234928</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1678</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1678</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P INS ETF</titleOfClass>
         <cusip>78464A789</cusip>
         <value>2729</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 SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
         <cusip>78464A805</cusip>
         <value>7371</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 SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
         <cusip>78464A821</cusip>
         <value>35672</value>
         <shrsOrPrnAmt>
             <sshPrnamt>390</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>390</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
         <cusip>78464A839</cusip>
         <value>11010</value>
         <shrsOrPrnAmt>
             <sshPrnamt>132</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>132</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>
         <cusip>78464A847</cusip>
         <value>2295</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>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
         <cusip>78464A854</cusip>
         <value>6753</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>86</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P BIOTECH</titleOfClass>
         <cusip>78464A870</cusip>
         <value>279963</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2794</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>764</Sole>
             <Shared>0</Shared>
             <None>2030</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P HOMEBUILD</titleOfClass>
         <cusip>78464A888</cusip>
         <value>125043</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1129</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1129</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>104914</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1182</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1136</Sole>
             <Shared>0</Shared>
             <None>46</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>BLACKSTONE SENR</titleOfClass>
         <cusip>78467V608</cusip>
         <value>231369</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5566</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5566</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
         <titleOfClass>SPDR TR TACTIC</titleOfClass>
         <cusip>78467V848</cusip>
         <value>411</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>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
         <titleOfClass>UT SER 1</titleOfClass>
         <cusip>78467X109</cusip>
         <value>1434431</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3094</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2094</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>565174</value>
         <shrsOrPrnAmt>
             <sshPrnamt>947</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>947</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG 3-12 M</titleOfClass>
         <cusip>78468R523</cusip>
         <value>101667</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1022</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1022</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
         <cusip>78468R622</cusip>
         <value>12053</value>
         <shrsOrPrnAmt>
             <sshPrnamt>123</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>123</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>4384132</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47783</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>34348</Sole>
             <Shared>0</Shared>
             <None>13435</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>NUVEEN ICE MUNIC</titleOfClass>
         <cusip>78468R721</cusip>
         <value>93306</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2048</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2048</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>NUVEEN ICE SHORT</titleOfClass>
         <cusip>78468R739</cusip>
         <value>48076</value>
         <shrsOrPrnAmt>
             <sshPrnamt>997</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>997</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
         <cusip>78468R796</cusip>
         <value>80860</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1474</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1474</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
         <cusip>78468R853</cusip>
         <value>9038</value>
         <shrsOrPrnAmt>
             <sshPrnamt>195</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>195</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
         <titleOfClass>UNIT BEN INT</titleOfClass>
         <cusip>785688102</cusip>
         <value>15892</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAFETY INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78648T100</cusip>
         <value>707</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>SAIA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78709Y105</cusip>
         <value>251764</value>
         <shrsOrPrnAmt>
             <sshPrnamt>841</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>841</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAILPOINT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78781J109</cusip>
         <value>773</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>35</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>4473201</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18852</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18245</Sole>
             <Shared>0</Shared>
             <None>607</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAMSARA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>79589L106</cusip>
         <value>8605</value>
         <shrsOrPrnAmt>
             <sshPrnamt>231</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>231</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANOFI SA</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>80105N105</cusip>
         <value>624739</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13236</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13236</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>342537</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1282</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1274</Sole>
             <Shared>0</Shared>
             <None>8</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>HENRY SCHEIN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>806407102</cusip>
         <value>30331</value>
         <shrsOrPrnAmt>
             <sshPrnamt>457</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>457</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>484662</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14101</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13769</Sole>
             <Shared>0</Shared>
             <None>332</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>825974</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8637</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8497</Sole>
             <Shared>0</Shared>
             <None>140</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US BRD MKT ETF</titleOfClass>
         <cusip>808524102</cusip>
         <value>70806</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>356828</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13547</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13547</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>192763</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6040</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6040</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>73893</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>67240</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2410</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2410</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>2150946</value>
         <shrsOrPrnAmt>
             <sshPrnamt>93195</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>93195</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
         <cusip>808524706</cusip>
         <value>19188</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>16701</value>
         <shrsOrPrnAmt>
             <sshPrnamt>389</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>389</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>266826</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9774</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9774</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>76824</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>2483293</value>
         <shrsOrPrnAmt>
             <sshPrnamt>98818</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>58730</Sole>
             <Shared>0</Shared>
             <None>40088</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>1777580</value>
         <shrsOrPrnAmt>
             <sshPrnamt>72852</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>44086</Sole>
             <Shared>0</Shared>
             <None>28766</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>323400</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>810186106</cusip>
         <value>8574</value>
         <shrsOrPrnAmt>
             <sshPrnamt>151</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>151</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>88652</value>
         <shrsOrPrnAmt>
             <sshPrnamt>496</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>460</Sole>
             <Shared>0</Shared>
             <None>36</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81211K100</cusip>
         <value>2385</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>67</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>135253</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1509</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1509</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>1954927</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14041</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14016</Sole>
             <Shared>0</Shared>
             <None>25</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>1940495</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24762</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>24762</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>612658</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2557</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2557</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>705105</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7892</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7842</Sole>
             <Shared>0</Shared>
             <None>50</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>2434087</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45182</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>45061</Sole>
             <Shared>0</Shared>
             <None>121</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>779528</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5053</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5053</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>3216340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11410</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11410</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>234146</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1978</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1978</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>3960</value>
         <shrsOrPrnAmt>
             <sshPrnamt>94</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>94</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>1357373</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15566</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15566</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GENEDX HOLDINGS CORP</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>81663L200</cusip>
         <value>1401</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>13</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>809236</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8993</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8993</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSIENT TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81725T100</cusip>
         <value>61944</value>
         <shrsOrPrnAmt>
             <sshPrnamt>660</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>SPROUTS FMRS MKT INC</nameOfIssuer>
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         <nameOfIssuer>SPROTT FDS TR</nameOfIssuer>
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         <nameOfIssuer>STANDEX INTL CORP</nameOfIssuer>
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         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
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         <nameOfIssuer>STATE STR CORP</nameOfIssuer>
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         <nameOfIssuer>STMICROELECTRONICS N V</nameOfIssuer>
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         <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>SUN LIFE FINANCIAL INC.</nameOfIssuer>
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         <cusip>87165B103</cusip>
         <value>369391</value>
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         <value>2798151</value>
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         <value>63411</value>
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         <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <value>13099</value>
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             <sshPrnamt>20023</sshPrnamt>
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         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>19828</Sole>
             <Shared>0</Shared>
             <None>195</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>911363109</cusip>
         <value>223017</value>
         <shrsOrPrnAmt>
             <sshPrnamt>234</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>234</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>US FOODS HLDG CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>912008109</cusip>
         <value>24135</value>
         <shrsOrPrnAmt>
             <sshPrnamt>315</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>315</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91324P102</cusip>
         <value>4380817</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12669</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>12603</Sole>
             <Shared>0</Shared>
             <None>66</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>UNITIL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>913259107</cusip>
         <value>909</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>19</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UNIVERSAL DISPLAY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91347P105</cusip>
         <value>318141</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2215</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2215</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>UNIVERSAL HLTH SVCS INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>913903100</cusip>
         <value>14924</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>40</Sole>
             <Shared>0</Shared>
             <None>33</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>UNIVERSAL TECHNICAL INST INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>913915104</cusip>
         <value>78347</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2407</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2311</Sole>
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             <None>96</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>URANIUM ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>916896103</cusip>
         <value>13340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>V F CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>918204108</cusip>
         <value>24788</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1718</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1718</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VAIL RESORTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91879Q109</cusip>
         <value>399001</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2668</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2610</Sole>
             <Shared>0</Shared>
             <None>58</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VALE S A</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>91912E105</cusip>
         <value>771</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>71</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>91913Y100</cusip>
         <value>542545</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3186</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3186</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VALMONT INDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>920253101</cusip>
         <value>1551</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>4</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK MERK GOLD ETF</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>921078101</cusip>
         <value>157127</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4225</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>4225</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>GOLD MINERS ETF</titleOfClass>
         <cusip>92189F106</cusip>
         <value>477729</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6253</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3059</Sole>
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             <None>3194</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>BDC INCOME ETF</titleOfClass>
         <cusip>92189F411</cusip>
         <value>67514</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4519</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>4519</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>PREFERRED SECURT</titleOfClass>
         <cusip>92189F429</cusip>
         <value>88850</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4000</Sole>
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             <None>1000</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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         <cusip>92189F437</cusip>
         <value>14151</value>
         <shrsOrPrnAmt>
             <sshPrnamt>476</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>476</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>LOW CARBN ENERGY</titleOfClass>
         <cusip>92189F502</cusip>
         <value>231249</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1820</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1820</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>VANECK SHRT MUNI</titleOfClass>
         <cusip>92189F528</cusip>
         <value>26495</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1521</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>1521</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>URANIUM AND NUCL</titleOfClass>
         <cusip>92189F601</cusip>
         <value>606629</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4472</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>3045</Sole>
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             <None>1427</None>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
         <cusip>92189F643</cusip>
         <value>15608168</value>
         <shrsOrPrnAmt>
             <sshPrnamt>157485</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>157290</Sole>
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             <None>195</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>SEMICONDUCTR ETF</titleOfClass>
         <cusip>92189F676</cusip>
         <value>139994</value>
         <shrsOrPrnAmt>
             <sshPrnamt>429</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>429</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>AGRIBUSINESS ETF</titleOfClass>
         <cusip>92189F700</cusip>
         <value>14332</value>
         <shrsOrPrnAmt>
             <sshPrnamt>196</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>196</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>JUNIOR GOLD MINE</titleOfClass>
         <cusip>92189F791</cusip>
         <value>12874</value>
         <shrsOrPrnAmt>
             <sshPrnamt>130</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>130</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>INTRMDT MUNI ETF</titleOfClass>
         <cusip>92189H201</cusip>
         <value>24885</value>
         <shrsOrPrnAmt>
             <sshPrnamt>534</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>534</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>HIGH YLD MUNIETF</titleOfClass>
         <cusip>92189H409</cusip>
         <value>44996</value>
         <shrsOrPrnAmt>
             <sshPrnamt>884</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>884</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>OIL SERVICES ETF</titleOfClass>
         <cusip>92189H607</cusip>
         <value>91180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>351</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>351</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
         <titleOfClass>RARE EARTH AND S</titleOfClass>
         <cusip>92189H805</cusip>
         <value>12046</value>
         <shrsOrPrnAmt>
             <sshPrnamt>183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>183</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
         <titleOfClass>DIV APP ETF</titleOfClass>
         <cusip>921908844</cusip>
         <value>3960458</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18353</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>16535</Sole>
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             <None>1818</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
         <titleOfClass>VG TL INTL STK F</titleOfClass>
         <cusip>921909768</cusip>
         <value>434883</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5920</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5353</Sole>
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             <None>567</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ESG US CORP BD</titleOfClass>
         <cusip>921910691</cusip>
         <value>94310</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1469</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1469</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>EXTENDED DUR</titleOfClass>
         <cusip>921910709</cusip>
         <value>21944</value>
         <shrsOrPrnAmt>
             <sshPrnamt>321</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>321</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ESG INTL STK ETF</titleOfClass>
         <cusip>921910725</cusip>
         <value>46285</value>
         <shrsOrPrnAmt>
             <sshPrnamt>667</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>667</Sole>
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             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ESG US STK ETF</titleOfClass>
         <cusip>921910733</cusip>
         <value>443697</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3746</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3746</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA GRWTH IND</titleOfClass>
         <cusip>921910816</cusip>
         <value>189126</value>
         <shrsOrPrnAmt>
             <sshPrnamt>470</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>470</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA CAP VAL ETF</titleOfClass>
         <cusip>921910840</cusip>
         <value>17859</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>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>500 VAL IDX FD</titleOfClass>
         <cusip>921932703</cusip>
         <value>436825</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2190</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2117</Sole>
             <Shared>0</Shared>
             <None>73</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>SMLLCP 600 IDX</titleOfClass>
         <cusip>921932828</cusip>
         <value>347051</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3141</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3141</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>MIDCP 400 IDX</titleOfClass>
         <cusip>921932885</cusip>
         <value>841759</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7625</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7625</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WELLINGTON FD</nameOfIssuer>
         <titleOfClass>US MOMENTUM</titleOfClass>
         <cusip>921935508</cusip>
         <value>24216</value>
         <shrsOrPrnAmt>
             <sshPrnamt>126</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>126</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>LONG TERM BOND</titleOfClass>
         <cusip>921937793</cusip>
         <value>199871</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2821</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2821</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>INTERMED TERM</titleOfClass>
         <cusip>921937819</cusip>
         <value>2480893</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31770</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>31770</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>1170876</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14838</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14488</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>176247</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2369</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2369</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>15532069</value>
         <shrsOrPrnAmt>
             <sshPrnamt>259209</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>253637</Sole>
             <Shared>0</Shared>
             <None>5572</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>1326558</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9410</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9380</Sole>
             <Shared>0</Shared>
             <None>30</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL HIGH ETF</titleOfClass>
         <cusip>921946794</cusip>
         <value>38862</value>
         <shrsOrPrnAmt>
             <sshPrnamt>459</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>459</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL DVD ETF</titleOfClass>
         <cusip>921946810</cusip>
         <value>193437</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2161</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2161</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>EM MK GOV BD ETF</titleOfClass>
         <cusip>921946885</cusip>
         <value>14813</value>
         <shrsOrPrnAmt>
             <sshPrnamt>221</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>221</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>25784</value>
         <shrsOrPrnAmt>
             <sshPrnamt>509</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>509</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>450853</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9115</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>6608</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>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>TT WRLD ST ETF</titleOfClass>
         <cusip>922042742</cusip>
         <value>2975733</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21596</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21596</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>1319631</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18490</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18290</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>6137173</value>
         <shrsOrPrnAmt>
             <sshPrnamt>113260</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>111026</Sole>
             <Shared>0</Shared>
             <None>2234</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
         <value>420472</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5269</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5269</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>30900</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>481074</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2251</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2251</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>246238</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1956</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1956</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>34717</value>
         <shrsOrPrnAmt>
             <sshPrnamt>264</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>264</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>77982</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>300</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>INDUSTRIAL ETF</titleOfClass>
         <cusip>92204A603</cusip>
         <value>26667</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>90</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>197840</value>
         <shrsOrPrnAmt>
             <sshPrnamt>266</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>266</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>54985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>268</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>268</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>217178</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1147</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1147</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHORT TERM TREAS</titleOfClass>
         <cusip>92206C102</cusip>
         <value>17655</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>300</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>696371</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8712</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>8712</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>2848222</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29117</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>19054</Sole>
             <Shared>0</Shared>
             <None>10063</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
         <cusip>92206C680</cusip>
         <value>430796</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3576</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3576</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INTER TERM TREAS</titleOfClass>
         <cusip>92206C706</cusip>
         <value>1269</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000VAL</titleOfClass>
         <cusip>92206C714</cusip>
         <value>158667</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1776</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1776</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>1521123</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5031</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5031</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>3568210</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75984</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>46732</Sole>
             <Shared>0</Shared>
             <None>29252</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>LG-TERM COR BD</titleOfClass>
         <cusip>92206C813</cusip>
         <value>68224</value>
         <shrsOrPrnAmt>
             <sshPrnamt>878</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>878</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>LONG TERM TREAS</titleOfClass>
         <cusip>92206C847</cusip>
         <value>4606</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>108042</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1285</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>998</Sole>
             <Shared>0</Shared>
             <None>287</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>191260</value>
         <shrsOrPrnAmt>
             <sshPrnamt>642</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>642</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>271983</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3886</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3886</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
         <titleOfClass>TAX EXEMPT BD</titleOfClass>
         <cusip>922907746</cusip>
         <value>323071</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6452</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>6274</Sole>
             <Shared>0</Shared>
             <None>178</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>37044643</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60476</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>56938</Sole>
             <Shared>0</Shared>
             <None>3538</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>3681445</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21087</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>18566</Sole>
             <Shared>0</Shared>
             <None>2521</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>3669934</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12492</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>11378</Sole>
             <Shared>0</Shared>
             <None>1114</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>914</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10</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>403528</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1355</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1355</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>580790</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2783</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2033</Sole>
             <Shared>0</Shared>
             <None>750</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>4622589</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15738</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15329</Sole>
             <Shared>0</Shared>
             <None>409</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>LARGE CAP ETF</titleOfClass>
         <cusip>922908637</cusip>
         <value>375511</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1220</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1220</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>EXTEND MKT ETF</titleOfClass>
         <cusip>922908652</cusip>
         <value>153467</value>
         <shrsOrPrnAmt>
             <sshPrnamt>733</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>733</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>4571010</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9504</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>9445</Sole>
             <Shared>0</Shared>
             <None>59</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>9011530</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48314</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>48280</Sole>
             <Shared>0</Shared>
             <None>34</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>5022141</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>19133</Sole>
             <Shared>0</Shared>
             <None>617</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>1240961</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3781</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3781</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERACYTE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92337F107</cusip>
         <value>2300</value>
         <shrsOrPrnAmt>
             <sshPrnamt>67</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>67</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERALTO CORP</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>92338C103</cusip>
         <value>243283</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2282</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2239</Sole>
             <Shared>0</Shared>
             <None>43</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>1124</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343V104</cusip>
         <value>9661279</value>
         <shrsOrPrnAmt>
             <sshPrnamt>219823</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>218448</Sole>
             <Shared>0</Shared>
             <None>1375</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>90323</value>
         <shrsOrPrnAmt>
             <sshPrnamt>359</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>359</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERICEL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92346J108</cusip>
         <value>42361</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1346</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1286</Sole>
             <Shared>0</Shared>
             <None>60</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>1290849</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3296</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3269</Sole>
             <Shared>0</Shared>
             <None>27</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92537N108</cusip>
         <value>3057609</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20267</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>20238</Sole>
             <Shared>0</Shared>
             <None>29</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIAVI SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925550105</cusip>
         <value>546</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>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>29860</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3016</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3016</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>730370</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22397</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>21920</Sole>
             <Shared>0</Shared>
             <None>477</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICTORY CAP HLDGS INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92645B103</cusip>
         <value>13729</value>
         <shrsOrPrnAmt>
             <sshPrnamt>212</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>212</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>14283</value>
         <shrsOrPrnAmt>
             <sshPrnamt>214</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>214</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
         <titleOfClass>VCSHS US SMCP HG</titleOfClass>
         <cusip>92647N873</cusip>
         <value>88726</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIKING THERAPEUTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92686J106</cusip>
         <value>1708</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>65</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VILLAGE FARMS INTL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92707Y108</cusip>
         <value>44</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>14</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>12972687</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37989</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>37561</Sole>
             <Shared>0</Shared>
             <None>428</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISTRA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92840M102</cusip>
         <value>1654348</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8444</sshPrnamt>
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         <nameOfIssuer>AMBARELLA INC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G037AX101</cusip>
         <value>12378</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>150</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AON PLC</nameOfIssuer>
         <titleOfClass>SHS CL A</titleOfClass>
         <cusip>G0403H108</cusip>
         <value>776702</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2178</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2156</Sole>
             <Shared>0</Shared>
             <None>22</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G0450A105</cusip>
         <value>1424914</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15705</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>15705</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AXALTA COATING SYS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G0750C108</cusip>
         <value>12421</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>ACCENTURE PLC IRELAND</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G1151C101</cusip>
         <value>6699297</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27149</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>26922</Sole>
             <Shared>0</Shared>
             <None>227</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
         <titleOfClass>LP INT UNIT</titleOfClass>
         <cusip>G16252101</cusip>
         <value>37564</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1142</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1142</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CLARIVATE PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G21810109</cusip>
         <value>62720</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16376</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>16376</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CREDO TECHNOLOGY GROUP HOLDI</nameOfIssuer>
         <titleOfClass>ORDINARY SHARES</titleOfClass>
         <cusip>G25457105</cusip>
         <value>64359</value>
         <shrsOrPrnAmt>
             <sshPrnamt>442</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>442</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CRH PLC</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>G25508105</cusip>
         <value>17026</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>142</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G25839104</cusip>
         <value>27213</value>
         <shrsOrPrnAmt>
             <sshPrnamt>301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>301</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CUSHMAN WAKEFIELD PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G2717B108</cusip>
         <value>2356</value>
         <shrsOrPrnAmt>
             <sshPrnamt>148</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>148</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G29183103</cusip>
         <value>7712690</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20607</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>20538</Sole>
             <Shared>0</Shared>
             <None>69</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ESSENT GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G3198U102</cusip>
         <value>7053</value>
         <shrsOrPrnAmt>
             <sshPrnamt>111</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>111</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>APTIV PLC</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>G3265R107</cusip>
         <value>16640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>193</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>193</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FABRINET</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3323L100</cusip>
         <value>13126</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>36</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FLUTTER ENTMT PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3643J108</cusip>
         <value>10160</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>FTAI AVIATION LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G3730V105</cusip>
         <value>333720</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GATES INDL CORP PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G39108108</cusip>
         <value>97245</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3918</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3918</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GENIUS SPORTS LIMITED</nameOfIssuer>
         <titleOfClass>SHARES CL A</titleOfClass>
         <cusip>G3934V109</cusip>
         <value>1919</value>
         <shrsOrPrnAmt>
             <sshPrnamt>155</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>155</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JAMES HARDIE INDS PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G4253H101</cusip>
         <value>3573</value>
         <shrsOrPrnAmt>
             <sshPrnamt>186</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>186</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ICON PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
         <value>88375</value>
         <shrsOrPrnAmt>
             <sshPrnamt>505</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>505</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ICHOR HOLDINGS</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4740B105</cusip>
         <value>1226</value>
         <shrsOrPrnAmt>
             <sshPrnamt>70</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>70</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BRIGHTSTAR LOTTERY PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G4863A108</cusip>
         <value>442814</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25670</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>25129</Sole>
             <Shared>0</Shared>
             <None>541</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G491BT108</cusip>
         <value>6882</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>300</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>222615</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1689</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1689</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>257690</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2344</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2344</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>3427270</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7213</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>7210</Sole>
             <Shared>0</Shared>
             <None>3</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>5805773</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60960</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>60248</Sole>
             <Shared>0</Shared>
             <None>712</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JOBY AVIATION INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>G65163100</cusip>
         <value>1614</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>
         <titleOfClass>ORD SHS A</titleOfClass>
         <cusip>G65431127</cusip>
         <value>8344</value>
         <shrsOrPrnAmt>
             <sshPrnamt>295</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>222</Sole>
             <Shared>0</Shared>
             <None>73</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>17438</value>
         <shrsOrPrnAmt>
             <sshPrnamt>708</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>708</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NU HLDGS LTD</nameOfIssuer>
         <titleOfClass>ORD SHS CL A</titleOfClass>
         <cusip>G6683N103</cusip>
         <value>15627</value>
         <shrsOrPrnAmt>
             <sshPrnamt>976</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>904</Sole>
             <Shared>0</Shared>
             <None>72</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>46163</value>
         <shrsOrPrnAmt>
             <sshPrnamt>468</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>468</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RENAISSANCERE HLDGS LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G7496G103</cusip>
         <value>5112</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>20</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>50705</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>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>9858</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>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8060N102</cusip>
         <value>18697</value>
         <shrsOrPrnAmt>
             <sshPrnamt>612</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>612</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMURFIT WESTROCK PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8267P108</cusip>
         <value>2171</value>
         <shrsOrPrnAmt>
             <sshPrnamt>51</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>51</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>STERIS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G8473T100</cusip>
         <value>2577756</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10418</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>10152</Sole>
             <Shared>0</Shared>
             <None>266</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G87052109</cusip>
         <value>1303507</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5938</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>5873</Sole>
             <Shared>0</Shared>
             <None>65</None>
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     <infoTable>
         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>1081797</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2564</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2562</Sole>
             <Shared>0</Shared>
             <None>2</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VIKING HOLDINGS LTD</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G93A5A101</cusip>
         <value>27475</value>
         <shrsOrPrnAmt>
             <sshPrnamt>442</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>442</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GOLAR LNG LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G9456A100</cusip>
         <value>138199</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3420</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>3420</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WHITE MTNS INS GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>55162</value>
         <shrsOrPrnAmt>
             <sshPrnamt>33</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>33</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>73411</value>
         <shrsOrPrnAmt>
             <sshPrnamt>213</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>187</Sole>
             <Shared>0</Shared>
             <None>26</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>122221</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1640</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1640</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>5678189</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20119</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>20094</Sole>
             <Shared>0</Shared>
             <None>25</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>30784</value>
         <shrsOrPrnAmt>
             <sshPrnamt>475</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>475</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>439590</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1787</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1787</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>3936</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>96</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ON HLDG AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT A</titleOfClass>
         <cusip>H5919C104</cusip>
         <value>13383</value>
         <shrsOrPrnAmt>
             <sshPrnamt>316</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>293</Sole>
             <Shared>0</Shared>
             <None>23</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GLOBANT S A</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>L44385109</cusip>
         <value>35060</value>
         <shrsOrPrnAmt>
             <sshPrnamt>611</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>551</Sole>
             <Shared>0</Shared>
             <None>60</None>
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     <infoTable>
         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>878782</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1259</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1253</Sole>
             <Shared>0</Shared>
             <None>6</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>24208</value>
         <shrsOrPrnAmt>
             <sshPrnamt>117</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>117</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>1089032</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2254</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2246</Sole>
             <Shared>0</Shared>
             <None>8</None>
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     <infoTable>
         <nameOfIssuer>JFROG LTD</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>M6191J100</cusip>
         <value>11170</value>
         <shrsOrPrnAmt>
             <sshPrnamt>236</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>236</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NOVA LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>M7516K103</cusip>
         <value>81516</value>
         <shrsOrPrnAmt>
             <sshPrnamt>255</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>243</Sole>
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             <None>12</None>
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     <infoTable>
         <nameOfIssuer>MONDAY COM LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M7S64H106</cusip>
         <value>3679</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
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             <Sole>19</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N00985106</cusip>
         <value>27709</value>
         <shrsOrPrnAmt>
             <sshPrnamt>229</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>229</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>4619248</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4771</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4766</Sole>
             <Shared>0</Shared>
             <None>5</None>
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     <infoTable>
         <nameOfIssuer>ELASTIC N V</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>N14506104</cusip>
         <value>7773</value>
         <shrsOrPrnAmt>
             <sshPrnamt>92</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>92</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CNH INDL N V</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N20944109</cusip>
         <value>20091</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1852</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1852</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>23290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>43</Sole>
             <Shared>0</Shared>
             <None>5</None>
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     <infoTable>
         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>4904</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N6596X109</cusip>
         <value>34841</value>
         <shrsOrPrnAmt>
             <sshPrnamt>153</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>153</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ONESPAWORLD HOLDINGS LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>P73684113</cusip>
         <value>51141</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2419</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>2419</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>MAKEMYTRIP LIMITED MAURITIUS</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>V5633W109</cusip>
         <value>16941</value>
         <shrsOrPrnAmt>
             <sshPrnamt>181</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>166</Sole>
             <Shared>0</Shared>
             <None>15</None>
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     <infoTable>
         <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
         <value>1508027</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4660</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>4654</Sole>
             <Shared>0</Shared>
             <None>6</None>
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     <infoTable>
         <nameOfIssuer>FLEX LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>Y2573F102</cusip>
         <value>81216</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1401</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>3</otherManager>
         <votingAuthority>
             <Sole>1401</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>ACCO BRANDS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00081T108</cusip>
         <value>24</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AFLAC INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>001055102</cusip>
         <value>16179754</value>
         <shrsOrPrnAmt>
             <sshPrnamt>144850</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>102849</Sole>
             <Shared>0</Shared>
             <None>42001</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>AGNC INVT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00123Q104</cusip>
         <value>336114</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34332</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>34332</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
         <titleOfClass>ALERIAN MLP</titleOfClass>
         <cusip>00162Q452</cusip>
         <value>87337</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1861</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1195</Sole>
             <Shared>0</Shared>
             <None>666</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00206R102</cusip>
         <value>9973450</value>
         <shrsOrPrnAmt>
             <sshPrnamt>353168</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>115845</Sole>
             <Shared>0</Shared>
             <None>237323</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>34174574</value>
         <shrsOrPrnAmt>
             <sshPrnamt>255148</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>193427</Sole>
             <Shared>0</Shared>
             <None>61721</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ABBVIE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00287Y109</cusip>
         <value>96650275</value>
         <shrsOrPrnAmt>
             <sshPrnamt>417424</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <nameOfIssuer>THE CAMPBELLS COMPANY</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>308</Sole>
             <Shared>0</Shared>
             <None>558</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CYTOKINETICS INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>23282W605</cusip>
         <value>756250</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13760</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>13760</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DNP SELECT INCOME FD INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>23325P104</cusip>
         <value>50496</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5045</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>5045</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>D R HORTON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>23331A109</cusip>
         <value>397914</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2348</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2041</Sole>
             <Shared>0</Shared>
             <None>307</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>233331107</cusip>
         <value>690244</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4880</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4880</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DT MIDSTREAM INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>23345M107</cusip>
         <value>256194</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2266</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2266</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DXC TECHNOLOGY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>23355L106</cusip>
         <value>559</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>41</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>235851102</cusip>
         <value>86285292</value>
         <shrsOrPrnAmt>
             <sshPrnamt>435213</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>328506</Sole>
             <Shared>0</Shared>
             <None>106707</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DARLING INGREDIENTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>237266101</cusip>
         <value>11422517</value>
         <shrsOrPrnAmt>
             <sshPrnamt>370020</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>21896</Sole>
             <Shared>0</Shared>
             <None>348124</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DATADOG INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>23804L103</cusip>
         <value>6145131</value>
         <shrsOrPrnAmt>
             <sshPrnamt>43154</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>42686</Sole>
             <Shared>0</Shared>
             <None>468</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DAVITA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>23918K108</cusip>
         <value>46505</value>
         <shrsOrPrnAmt>
             <sshPrnamt>350</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>350</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>244199105</cusip>
         <value>34380900</value>
         <shrsOrPrnAmt>
             <sshPrnamt>75189</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>57931</Sole>
             <Shared>0</Shared>
             <None>17258</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DELEK LOGISTICS PARTNERS LP</nameOfIssuer>
         <titleOfClass>COM UNT RP INT</titleOfClass>
         <cusip>24664T103</cusip>
         <value>4554</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>CL C</titleOfClass>
         <cusip>24703L202</cusip>
         <value>24664</value>
         <shrsOrPrnAmt>
             <sshPrnamt>174</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>164</Sole>
             <Shared>0</Shared>
             <None>10</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DELTA AIR LINES INC DEL</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>247361702</cusip>
         <value>665697</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11730</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3790</Sole>
             <Shared>0</Shared>
             <None>7940</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DENTSPLY SIRONA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>24906P109</cusip>
         <value>57105</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25179M103</cusip>
         <value>73549</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2098</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>455</Sole>
             <Shared>0</Shared>
             <None>1643</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DEXCOM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>252131107</cusip>
         <value>22701</value>
         <shrsOrPrnAmt>
             <sshPrnamt>337</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>330</Sole>
             <Shared>0</Shared>
             <None>7</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>25243Q205</cusip>
         <value>437798</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4588</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3738</Sole>
             <Shared>0</Shared>
             <None>850</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIAMONDBACK ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25278X109</cusip>
         <value>70943</value>
         <shrsOrPrnAmt>
             <sshPrnamt>496</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>491</Sole>
             <Shared>0</Shared>
             <None>5</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253393102</cusip>
         <value>16222</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>73</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253868103</cusip>
         <value>18055510</value>
         <shrsOrPrnAmt>
             <sshPrnamt>104440</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>78232</Sole>
             <Shared>0</Shared>
             <None>26208</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQT MKT</titleOfClass>
         <cusip>25434V104</cusip>
         <value>23709327</value>
         <shrsOrPrnAmt>
             <sshPrnamt>518123</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>518123</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTL CORE EQT MK</titleOfClass>
         <cusip>25434V203</cusip>
         <value>8430763</value>
         <shrsOrPrnAmt>
             <sshPrnamt>231933</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>154604</Sole>
             <Shared>0</Shared>
             <None>77329</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>EMGR CRE EQT MNG</titleOfClass>
         <cusip>25434V302</cusip>
         <value>1932730</value>
         <shrsOrPrnAmt>
             <sshPrnamt>61298</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4145</Sole>
             <Shared>0</Shared>
             <None>57153</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US EQUITY MARKET</titleOfClass>
         <cusip>25434V401</cusip>
         <value>6851085</value>
         <shrsOrPrnAmt>
             <sshPrnamt>94576</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15938</Sole>
             <Shared>0</Shared>
             <None>78638</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SMALL CAP ETF</titleOfClass>
         <cusip>25434V500</cusip>
         <value>886778</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12953</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8961</Sole>
             <Shared>0</Shared>
             <None>3992</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US TARGETED VLU</titleOfClass>
         <cusip>25434V609</cusip>
         <value>828212</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14228</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10581</Sole>
             <Shared>0</Shared>
             <None>3647</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>GLOBAL REAL EST</titleOfClass>
         <cusip>25434V658</cusip>
         <value>1085858</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39760</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>39760</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US LARGE CAP VAL</titleOfClass>
         <cusip>25434V666</cusip>
         <value>5527144</value>
         <shrsOrPrnAmt>
             <sshPrnamt>167998</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>167998</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTERNATIONAL</titleOfClass>
         <cusip>25434V690</cusip>
         <value>234316</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5722</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>5722</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQUITY 2</titleOfClass>
         <cusip>25434V708</cusip>
         <value>5701147</value>
         <shrsOrPrnAmt>
             <sshPrnamt>147813</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>146814</Sole>
             <Shared>0</Shared>
             <None>999</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US SUSTAINABILTY</titleOfClass>
         <cusip>25434V716</cusip>
         <value>1400745</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32980</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>32980</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US MKTWIDE VALUE</titleOfClass>
         <cusip>25434V724</cusip>
         <value>1162208</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26006</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5123</Sole>
             <Shared>0</Shared>
             <None>20883</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTL HIGH PROFIT</titleOfClass>
         <cusip>25434V765</cusip>
         <value>1442750</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47467</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>47467</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTERNATNAL VAL</titleOfClass>
         <cusip>25434V807</cusip>
         <value>211137</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4578</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2557</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>5774101</value>
         <shrsOrPrnAmt>
             <sshPrnamt>181347</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>40519</Sole>
             <Shared>0</Shared>
             <None>140828</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US HIGH PROFITAB</titleOfClass>
         <cusip>25434V831</cusip>
         <value>15124861</value>
         <shrsOrPrnAmt>
             <sshPrnamt>400446</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>90190</Sole>
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         <cusip>25434V872</cusip>
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         <cusip>25434V880</cusip>
         <value>1406295</value>
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         <nameOfIssuer>DUTCH BROS INC</nameOfIssuer>
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         <nameOfIssuer>EBAY INC.</nameOfIssuer>
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         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NY ARCA BIOTECH</titleOfClass>
         <cusip>33733E203</cusip>
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         <shrsOrPrnAmt>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
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             <sshPrnamt>340</sshPrnamt>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
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             <sshPrnamt>60</sshPrnamt>
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         <cusip>33736G106</cusip>
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         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>NASDQ CLN EDGE</titleOfClass>
         <cusip>33737A108</cusip>
         <value>34446</value>
         <shrsOrPrnAmt>
             <sshPrnamt>228</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>NO AMER ENERGY</titleOfClass>
         <cusip>33738D101</cusip>
         <value>206077</value>
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             <None>5382</None>
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         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>4389938</value>
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             <sshPrnamt>34049</sshPrnamt>
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             <Sole>31963</Sole>
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             <None>2086</None>
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         <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337932107</cusip>
         <value>226885</value>
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             <sshPrnamt>4952</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>2530</Sole>
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             <None>2422</None>
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         <nameOfIssuer>FIVE BELOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>33829M101</cusip>
         <value>13275</value>
         <shrsOrPrnAmt>
             <sshPrnamt>86</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>86</Sole>
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             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>FLAHERTY &amp; CRUMRINE PFD SECS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>338478100</cusip>
         <value>109785</value>
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             <sshPrnamt>6500</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <None>6500</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>MORNSTAR UPSTR</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>88637</Sole>
             <Shared>0</Shared>
             <None>10518</None>
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     <infoTable>
         <nameOfIssuer>NETFLIX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>64110L106</cusip>
         <value>243153234</value>
         <shrsOrPrnAmt>
             <sshPrnamt>202810</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>141436</Sole>
             <Shared>0</Shared>
             <None>61374</None>
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         <nameOfIssuer>NETEASE INC</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>64110W102</cusip>
         <value>176460</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1161</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>310</Sole>
             <Shared>0</Shared>
             <None>851</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NEUROCRINE BIOSCIENCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>64125C109</cusip>
         <value>56152</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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     <infoTable>
         <nameOfIssuer>RITHM CAPITAL CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>64828T201</cusip>
         <value>115442</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10135</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>10135</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>NEW YORK TIMES CO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>650111107</cusip>
         <value>267312</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4657</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>4657</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NEWELL BRANDS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>651229106</cusip>
         <value>9432</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1000</Sole>
             <Shared>0</Shared>
             <None>800</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NEWMARKET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>651587107</cusip>
         <value>19877</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>24</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NEWMONT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>651639106</cusip>
         <value>116780</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1385</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1375</Sole>
             <Shared>0</Shared>
             <None>10</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NEXTRACKER INC</nameOfIssuer>
         <titleOfClass>CLASS A COM</titleOfClass>
         <cusip>65290E101</cusip>
         <value>690179</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9328</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6370</Sole>
             <Shared>0</Shared>
             <None>2958</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>65339F101</cusip>
         <value>97153612</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1286973</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1102420</Sole>
             <Shared>0</Shared>
             <None>184553</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>XPLR INFRASTRUCTURE LP</nameOfIssuer>
         <titleOfClass>COM UNIT PART IN</titleOfClass>
         <cusip>65341B106</cusip>
         <value>103856</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10212</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8612</Sole>
             <Shared>0</Shared>
             <None>1600</None>
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         <nameOfIssuer>NICE LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>653656108</cusip>
         <value>3185</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NIKE INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>654106103</cusip>
         <value>1747856</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25066</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>13891</Sole>
             <Shared>0</Shared>
             <None>11175</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NISOURCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>65473P105</cusip>
         <value>18893</value>
         <shrsOrPrnAmt>
             <sshPrnamt>436</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>435</Sole>
             <Shared>0</Shared>
             <None>1</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NOKIA CORP</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>654902204</cusip>
         <value>683</value>
         <shrsOrPrnAmt>
             <sshPrnamt>142</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>142</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>655844108</cusip>
         <value>8853243</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29471</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>25726</Sole>
             <Shared>0</Shared>
             <None>3745</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>665859104</cusip>
         <value>283815</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2109</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2109</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>666807102</cusip>
         <value>13625730</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22362</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16283</Sole>
             <Shared>0</Shared>
             <None>6079</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GEN DIGITAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>668771108</cusip>
         <value>3774</value>
         <shrsOrPrnAmt>
             <sshPrnamt>133</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
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             <Sole>133</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>66987V109</cusip>
         <value>3120336</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24332</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <otherManager>4</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>13294</None>
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     <infoTable>
         <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>670100205</cusip>
         <value>13660952</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
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             <Shared>0</Shared>
             <None>32201</None>
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     <infoTable>
         <nameOfIssuer>NUCOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670346105</cusip>
         <value>4802890</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35464</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>32181</Sole>
             <Shared>0</Shared>
             <None>3283</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN SELECT MAT MUN FD</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>67061T101</cusip>
         <value>635931</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68675</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>39675</Sole>
             <Shared>0</Shared>
             <None>29000</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>1417823903</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6545934</Sole>
             <Shared>0</Shared>
             <None>1053079</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN MUN HIGH INCOME OPPOR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>670682103</cusip>
         <value>1885</value>
         <shrsOrPrnAmt>
             <sshPrnamt>178</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>178</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67071L106</cusip>
         <value>3601</value>
         <shrsOrPrnAmt>
             <sshPrnamt>293</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>293</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67074C103</cusip>
         <value>3909</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>
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     <infoTable>
         <nameOfIssuer>NUVEEN DOW 30 DYNMC OVERWRT</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>67075F105</cusip>
         <value>198379</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13323</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>13323</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67077M108</cusip>
         <value>3460693</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58946</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>35816</Sole>
             <Shared>0</Shared>
             <None>23130</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>NUVEEN CHURCHILL DIRECT LEND</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>67090S108</cusip>
         <value>5085949</value>
         <shrsOrPrnAmt>
             <sshPrnamt>368547</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>368547</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     </infoTable>
     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG LRGVL</titleOfClass>
         <cusip>67092P300</cusip>
         <value>197879</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4515</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>4515</None>
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     <infoTable>
         <nameOfIssuer>NUSHARES ETF TR</nameOfIssuer>
         <titleOfClass>NUVEEN ESG SMLCP</titleOfClass>
         <cusip>67092P607</cusip>
         <value>5568371</value>
         <shrsOrPrnAmt>
             <sshPrnamt>126267</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7300</Sole>
             <Shared>0</Shared>
             <None>118967</None>
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     <infoTable>
         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>1348978</value>
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             <sshPrnamt>12513</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7682</Sole>
             <Shared>0</Shared>
             <None>4831</None>
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     <infoTable>
         <nameOfIssuer>OSI SYSTEMS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>671044105</cusip>
         <value>37386</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>150</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>674599105</cusip>
         <value>404234</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8555</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7735</Sole>
             <Shared>0</Shared>
             <None>820</None>
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     <infoTable>
         <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
         <titleOfClass>*W EXP 08/03/202</titleOfClass>
         <cusip>674599162</cusip>
         <value>44090</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1666</Sole>
             <Shared>0</Shared>
             <None>63</None>
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     <infoTable>
         <nameOfIssuer>OKTA INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>679295105</cusip>
         <value>102122</value>
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             <sshPrnamt>1114</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1114</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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         <nameOfIssuer>PETROLEO BRASILEIRO SA PETRO</nameOfIssuer>
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         <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
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         <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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         <nameOfIssuer>PUTNAM MUN OPPORTUNITIES TR</nameOfIssuer>
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         <cusip>746922103</cusip>
         <value>3099</value>
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         <value>4236369</value>
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         <value>32252</value>
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         <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>140562</Sole>
             <Shared>0</Shared>
             <None>52045</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>183683</value>
         <shrsOrPrnAmt>
             <sshPrnamt>950</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>950</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEI INVTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784117103</cusip>
         <value>407280</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4800</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4800</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>H2O AMERICA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784305104</cusip>
         <value>29220</value>
         <shrsOrPrnAmt>
             <sshPrnamt>600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>600</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NEOS ETF TRUST</nameOfIssuer>
         <titleOfClass>NEOS S&amp;P 500 HI</titleOfClass>
         <cusip>78433H303</cusip>
         <value>3075</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>59</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>89327037</value>
         <shrsOrPrnAmt>
             <sshPrnamt>134088</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>122650</Sole>
             <Shared>0</Shared>
             <None>11438</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPS COMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78463M107</cusip>
         <value>35928</value>
         <shrsOrPrnAmt>
             <sshPrnamt>345</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>345</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>5935638</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16698</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>12668</Sole>
             <Shared>0</Shared>
             <None>4030</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>PORTFOLIO EMG MK</titleOfClass>
         <cusip>78463X509</cusip>
         <value>31082</value>
         <shrsOrPrnAmt>
             <sshPrnamt>664</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>591</Sole>
             <Shared>0</Shared>
             <None>73</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>S&amp;P INTL ETF</titleOfClass>
         <cusip>78463X772</cusip>
         <value>2068260</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48437</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9709</Sole>
             <Shared>0</Shared>
             <None>38728</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
         <cusip>78463X889</cusip>
         <value>1326</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>31</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
         <cusip>78464A201</cusip>
         <value>28293</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>300</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>NUVEEN ICE HIGH</titleOfClass>
         <cusip>78464A284</cusip>
         <value>19695</value>
         <shrsOrPrnAmt>
             <sshPrnamt>790</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>790</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BBG CONV SEC ETF</titleOfClass>
         <cusip>78464A359</cusip>
         <value>54300</value>
         <shrsOrPrnAmt>
             <sshPrnamt>600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>600</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
         <cusip>78464A375</cusip>
         <value>197884</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5839</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5839</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
         <cusip>78464A409</cusip>
         <value>66468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>636</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>636</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO SHORT</titleOfClass>
         <cusip>78464A474</cusip>
         <value>131489</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4341</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3000</Sole>
             <Shared>0</Shared>
             <None>1341</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
         <cusip>78464A508</cusip>
         <value>10383</value>
         <shrsOrPrnAmt>
             <sshPrnamt>188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>188</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>DJ REIT ETF</titleOfClass>
         <cusip>78464A607</cusip>
         <value>52552</value>
         <shrsOrPrnAmt>
             <sshPrnamt>524</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>360</Sole>
             <Shared>0</Shared>
             <None>164</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
         <cusip>78464A664</cusip>
         <value>16547</value>
         <shrsOrPrnAmt>
             <sshPrnamt>614</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>217</Sole>
             <Shared>0</Shared>
             <None>397</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P REGL BKG</titleOfClass>
         <cusip>78464A698</cusip>
         <value>20319</value>
         <shrsOrPrnAmt>
             <sshPrnamt>321</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>321</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>407125</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2907</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1798</Sole>
             <Shared>0</Shared>
             <None>1109</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
         <cusip>78464A805</cusip>
         <value>24760</value>
         <shrsOrPrnAmt>
             <sshPrnamt>307</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>307</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP GRW</titleOfClass>
         <cusip>78464A821</cusip>
         <value>249034</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2720</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2720</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
         <cusip>78464A839</cusip>
         <value>74902</value>
         <shrsOrPrnAmt>
             <sshPrnamt>898</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>519</Sole>
             <Shared>0</Shared>
             <None>379</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
         <cusip>78464A854</cusip>
         <value>427031</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5451</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5451</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P BIOTECH</titleOfClass>
         <cusip>78464A870</cusip>
         <value>6639996</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66267</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>20</Sole>
             <Shared>0</Shared>
             <None>66247</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78467J100</cusip>
         <value>662670</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7466</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>13</Sole>
             <Shared>0</Shared>
             <None>7453</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
         <titleOfClass>UT SER 1</titleOfClass>
         <cusip>78467X109</cusip>
         <value>1908290</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4115</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
         <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
         <cusip>78467Y107</cusip>
         <value>27263552</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45742</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>40947</Sole>
             <Shared>0</Shared>
             <None>4795</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO SH TSR</titleOfClass>
         <cusip>78468R101</cusip>
         <value>44361</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1513</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1513</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG INVT</titleOfClass>
         <cusip>78468R200</cusip>
         <value>6573</value>
         <shrsOrPrnAmt>
             <sshPrnamt>213</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>213</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
         <cusip>78468R606</cusip>
         <value>50274</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
         <cusip>78468R622</cusip>
         <value>527284</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5381</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>881</Sole>
             <Shared>0</Shared>
             <None>4500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>1045950</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11280</Sole>
             <Shared>0</Shared>
             <None>120</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
         <cusip>78468R796</cusip>
         <value>605328</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11036</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>900</Sole>
             <Shared>0</Shared>
             <None>10136</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
         <cusip>78468R853</cusip>
         <value>39204880</value>
         <shrsOrPrnAmt>
             <sshPrnamt>846392</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>825828</Sole>
             <Shared>0</Shared>
             <None>20564</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPX TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78473E103</cusip>
         <value>122901</value>
         <shrsOrPrnAmt>
             <sshPrnamt>658</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>658</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
         <titleOfClass>UNIT BEN INT</titleOfClass>
         <cusip>785688102</cusip>
         <value>338182</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4256</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2256</Sole>
             <Shared>0</Shared>
             <None>2000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SABRA HEALTH CARE REIT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78573L106</cusip>
         <value>1491</value>
         <shrsOrPrnAmt>
             <sshPrnamt>80</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>80</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAFETY INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78648T100</cusip>
         <value>413042</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5843</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4843</Sole>
             <Shared>0</Shared>
             <None>1000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
         <value>74977468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>316361</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>250133</Sole>
             <Shared>0</Shared>
             <None>66228</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAMSARA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>79589L106</cusip>
         <value>465588</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12499</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8963</Sole>
             <Shared>0</Shared>
             <None>3536</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANDISK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>80004C200</cusip>
         <value>149338</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1331</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1331</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANMINA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>801056102</cusip>
         <value>1381</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>12</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SANOFI SA</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>80105N105</cusip>
         <value>220554</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4673</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1490</Sole>
             <Shared>0</Shared>
             <None>3183</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>6063927</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22693</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2410</Sole>
             <Shared>0</Shared>
             <None>20283</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SASOL LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>803866300</cusip>
         <value>1263</value>
         <shrsOrPrnAmt>
             <sshPrnamt>203</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>203</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>9855224</value>
         <shrsOrPrnAmt>
             <sshPrnamt>286739</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>152133</Sole>
             <Shared>0</Shared>
             <None>134606</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>808513105</cusip>
         <value>56668134</value>
         <shrsOrPrnAmt>
             <sshPrnamt>593570</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>372087</Sole>
             <Shared>0</Shared>
             <None>221483</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US BRD MKT ETF</titleOfClass>
         <cusip>808524102</cusip>
         <value>204615</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7959</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>144</Sole>
             <Shared>0</Shared>
             <None>7815</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LRG CAP ETF</titleOfClass>
         <cusip>808524201</cusip>
         <value>4510397</value>
         <shrsOrPrnAmt>
             <sshPrnamt>171238</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>106816</Sole>
             <Shared>0</Shared>
             <None>64422</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US LCAP VA ETF</titleOfClass>
         <cusip>808524409</cusip>
         <value>43665</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>1062434</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35845</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>24503</Sole>
             <Shared>0</Shared>
             <None>11342</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US SML CAP ETF</titleOfClass>
         <cusip>808524607</cusip>
         <value>1784317</value>
         <shrsOrPrnAmt>
             <sshPrnamt>63954</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8990</Sole>
             <Shared>0</Shared>
             <None>54964</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>5 10YR CORP BD</titleOfClass>
         <cusip>808524698</cusip>
         <value>83573</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>1856913</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55646</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>55646</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>FUNDAMENTAL EMER</titleOfClass>
         <cusip>808524730</cusip>
         <value>13934</value>
         <shrsOrPrnAmt>
             <sshPrnamt>385</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>143</Sole>
             <Shared>0</Shared>
             <None>242</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>FUNDAMENTAL INTL</titleOfClass>
         <cusip>808524755</cusip>
         <value>352959</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>82169</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>119586</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>157601</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5773</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>182</Sole>
             <Shared>0</Shared>
             <None>5591</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL EQTY ETF</titleOfClass>
         <cusip>808524805</cusip>
         <value>562561</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24165</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4123</Sole>
             <Shared>0</Shared>
             <None>20042</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US REIT ETF</titleOfClass>
         <cusip>808524847</cusip>
         <value>70577</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>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>4978</value>
         <shrsOrPrnAmt>
             <sshPrnamt>204</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>204</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US TIPS ETF</titleOfClass>
         <cusip>808524870</cusip>
         <value>411742</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15278</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>223</Sole>
             <Shared>0</Shared>
             <None>15055</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INTL SCEQT ETF</titleOfClass>
         <cusip>808524888</cusip>
         <value>2709074</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59527</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>59527</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LIGHT &amp; WONDER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>80874P109</cusip>
         <value>150840</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1797</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1797</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>21224</value>
         <shrsOrPrnAmt>
             <sshPrnamt>119</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8</Sole>
             <Shared>0</Shared>
             <None>111</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>74838</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>3577698</value>
         <shrsOrPrnAmt>
             <sshPrnamt>25707</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>25373</Sole>
             <Shared>0</Shared>
             <None>334</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>446866</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5702</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5225</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>1682926</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7023</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6972</Sole>
             <Shared>0</Shared>
             <None>51</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>755079</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8452</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3198</Sole>
             <Shared>0</Shared>
             <None>5254</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>1835549</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34074</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>22643</Sole>
             <Shared>0</Shared>
             <None>11431</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>1262835</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8188</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8074</Sole>
             <Shared>0</Shared>
             <None>114</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>2833539</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10053</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9780</Sole>
             <Shared>0</Shared>
             <None>273</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>2670</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>23</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>1357017</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32210</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28387</Sole>
             <Shared>0</Shared>
             <None>3823</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>347666</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3987</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3987</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GENEDX HOLDINGS CORP</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>81663L200</cusip>
         <value>468</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEMPRA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816851109</cusip>
         <value>793902</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8823</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5228</Sole>
             <Shared>0</Shared>
             <None>3595</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SENSIENT TECHNOLOGIES CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81725T100</cusip>
         <value>129044</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1375</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1375</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICE CORP INTL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>817565104</cusip>
         <value>40112</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>176283076</value>
         <shrsOrPrnAmt>
             <sshPrnamt>191554</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>150037</Sole>
             <Shared>0</Shared>
             <None>41517</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVISFIRST BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81768T108</cusip>
         <value>3738714</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46426</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>46426</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>49092001</value>
         <shrsOrPrnAmt>
             <sshPrnamt>141778</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>96719</Sole>
             <Shared>0</Shared>
             <None>45059</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHINHAN FINANCIAL GROUP CO L</nameOfIssuer>
         <titleOfClass>SPN ADR RESTRD</titleOfClass>
         <cusip>824596100</cusip>
         <value>87543</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1738</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1738</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
         <titleOfClass>CL A SUB VTG SHS</titleOfClass>
         <cusip>82509L107</cusip>
         <value>2290829</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15415</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7973</Sole>
             <Shared>0</Shared>
             <None>7442</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>17009546</value>
         <shrsOrPrnAmt>
             <sshPrnamt>90635</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>48603</Sole>
             <Shared>0</Shared>
             <None>42032</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMPSON MFG INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>829073105</cusip>
         <value>228081</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1362</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1362</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>82982L103</cusip>
         <value>12880</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIRIUSXM HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>829933100</cusip>
         <value>52904</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2273</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2273</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIX FLAGS ENTERTAINMENT CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83001C108</cusip>
         <value>114736</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5050</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4800</Sole>
             <Shared>0</Shared>
             <None>250</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIXTH STREET SPECIALTY LENDI</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83012A109</cusip>
         <value>97338</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4258</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>4258</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CHAMPION HOMES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>830830105</cusip>
         <value>118755</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1555</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1555</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83088M102</cusip>
         <value>20437</value>
         <shrsOrPrnAmt>
             <sshPrnamt>265</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>260</Sole>
             <Shared>0</Shared>
             <None>5</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>44046</value>
         <shrsOrPrnAmt>
             <sshPrnamt>600</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>600</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMARTFINANCIAL INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>83190L208</cusip>
         <value>1977405</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55343</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>55343</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>135230</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1245</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1145</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>166334</value>
         <shrsOrPrnAmt>
             <sshPrnamt>480</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>480</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>83304A106</cusip>
         <value>975</value>
         <shrsOrPrnAmt>
             <sshPrnamt>126</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>126</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP INC</nameOfIssuer>
         <titleOfClass>NOTE 0.750% 8/0</titleOfClass>
         <cusip>83304AAB2</cusip>
         <value>30572</value>
         <shrsOrPrnAmt>
             <sshPrnamt>32000</sshPrnamt>
             <sshPrnamtType>PRN</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>32000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>833445109</cusip>
         <value>16048945</value>
         <shrsOrPrnAmt>
             <sshPrnamt>71155</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>59634</Sole>
             <Shared>0</Shared>
             <None>11521</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOFI TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83406F102</cusip>
         <value>14003</value>
         <shrsOrPrnAmt>
             <sshPrnamt>530</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>530</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOLAREDGE TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>83417M104</cusip>
         <value>200318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5414</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>214</Sole>
             <Shared>0</Shared>
             <None>5200</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOLVENTUM CORP</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>83444M101</cusip>
         <value>401573</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5501</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2815</Sole>
             <Shared>0</Shared>
             <None>2686</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONO TEK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>835483108</cusip>
         <value>265806</value>
         <shrsOrPrnAmt>
             <sshPrnamt>60000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>60000</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>835495102</cusip>
         <value>8618</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONY GROUP CORP</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>3164137</value>
         <shrsOrPrnAmt>
             <sshPrnamt>109904</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>58531</Sole>
             <Shared>0</Shared>
             <None>51373</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>15465089</value>
         <shrsOrPrnAmt>
             <sshPrnamt>163185</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>127978</Sole>
             <Shared>0</Shared>
             <None>35207</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHSTATE BK CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>84472E102</cusip>
         <value>2380295</value>
         <shrsOrPrnAmt>
             <sshPrnamt>24075</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>24075</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>66552</value>
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             <None>0</None>
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         <nameOfIssuer>SPROTT ASSET MANAGEMENT LP</nameOfIssuer>
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         <value>148100</value>
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             <None>0</None>
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         <nameOfIssuer>SPROTT ASSET MANAGEMENT LP</nameOfIssuer>
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         <value>62800</value>
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             <None>0</None>
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         <nameOfIssuer>SPROTT FDS TR</nameOfIssuer>
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         <value>32330</value>
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         <value>59915</value>
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             <None>1633</None>
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         <nameOfIssuer>BLOCK INC</nameOfIssuer>
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         <value>20810</value>
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         <nameOfIssuer>STAG INDL INC</nameOfIssuer>
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         <value>755</value>
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             <None>0</None>
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         <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
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         <value>28921</value>
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             <sshPrnamt>389</sshPrnamt>
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             <None>19</None>
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         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
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         <value>6243898</value>
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             <None>29206</None>
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         <nameOfIssuer>STARWOOD PPTY TR INC</nameOfIssuer>
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             <sshPrnamt>20823</sshPrnamt>
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             <None>323</None>
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         <nameOfIssuer>STATE STR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>857477103</cusip>
         <value>4164661</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35899</sshPrnamt>
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             <None>19059</None>
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         <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <None>107507</None>
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         <nameOfIssuer>STERLING INFRASTRUCTURE INC</nameOfIssuer>
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         <value>101904</value>
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         <nameOfIssuer>STIFEL FINL CORP</nameOfIssuer>
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         <nameOfIssuer>STRATEGIC ED INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>86272C103</cusip>
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             <sshPrnamt>2956</sshPrnamt>
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             <None>2956</None>
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         <nameOfIssuer>STRIDE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>86333M108</cusip>
         <value>447</value>
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         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I</nameOfIssuer>
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         <value>1061</value>
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         <nameOfIssuer>SWEETGREEN INC</nameOfIssuer>
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         <nameOfIssuer>TFI INTL INC</nameOfIssuer>
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         <cusip>87241L109</cusip>
         <value>10391</value>
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         <value>40392</value>
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         <value>4580745</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>13195</None>
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         <value>54970953</value>
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         <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>874054109</cusip>
         <value>3204</value>
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         <cusip>874060205</cusip>
         <value>1428</value>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>TANGER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>875465106</cusip>
         <value>24737</value>
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             <sshPrnamt>731</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>TAPESTRY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>876030107</cusip>
         <value>4610</value>
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             <sshPrnamt>41</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>0</None>
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         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>6607472</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>45342</Sole>
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         <nameOfIssuer>UDR INC</nameOfIssuer>
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         <cusip>902681105</cusip>
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             <None>1127</None>
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             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <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>28426</value>
         <shrsOrPrnAmt>
             <sshPrnamt>240</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>240</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA CAP VAL ETF</titleOfClass>
         <cusip>921910840</cusip>
         <value>110192</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>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MEGA CAP INDEX</titleOfClass>
         <cusip>921910873</cusip>
         <value>42038</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>6321</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <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>856288</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7751</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6342</Sole>
             <Shared>0</Shared>
             <None>1409</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
         <titleOfClass>MIDCP 400 IDX</titleOfClass>
         <cusip>921932885</cusip>
         <value>86759</value>
         <shrsOrPrnAmt>
             <sshPrnamt>786</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <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>3734023</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47817</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>33966</Sole>
             <Shared>0</Shared>
             <None>13851</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>SHORT TRM BOND</titleOfClass>
         <cusip>921937827</cusip>
         <value>8095887</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102596</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>95527</Sole>
             <Shared>0</Shared>
             <None>7069</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>17650725</value>
         <shrsOrPrnAmt>
             <sshPrnamt>237337</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>161639</Sole>
             <Shared>0</Shared>
             <None>75698</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>67194456</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1121403</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>836814</Sole>
             <Shared>0</Shared>
             <None>284589</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>3242514</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23005</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4143</Sole>
             <Shared>0</Shared>
             <None>18862</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL DVD ETF</titleOfClass>
         <cusip>921946810</cusip>
         <value>182633</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2039</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2039</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
         <titleOfClass>STRM INFPROIDX</titleOfClass>
         <cusip>922020805</cusip>
         <value>37973</value>
         <shrsOrPrnAmt>
             <sshPrnamt>750</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>750</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
         <titleOfClass>TOTAL INT BD ETF</titleOfClass>
         <cusip>92203J407</cusip>
         <value>6013</value>
         <shrsOrPrnAmt>
             <sshPrnamt>122</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>122</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>7161</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>24907530</value>
         <shrsOrPrnAmt>
             <sshPrnamt>174728</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2775</Sole>
             <Shared>0</Shared>
             <None>171953</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>TT WRLD ST ETF</titleOfClass>
         <cusip>922042742</cusip>
         <value>148686</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1079</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>563</Sole>
             <Shared>0</Shared>
             <None>516</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>ALLWRLD EX US</titleOfClass>
         <cusip>922042775</cusip>
         <value>126832513</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1777112</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1670314</Sole>
             <Shared>0</Shared>
             <None>106798</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>16909389</value>
         <shrsOrPrnAmt>
             <sshPrnamt>312097</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>125309</Sole>
             <Shared>0</Shared>
             <None>186788</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
         <cusip>922042866</cusip>
         <value>231019</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2630</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2190</Sole>
             <Shared>0</Shared>
             <None>440</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EUROPE ETF</titleOfClass>
         <cusip>922042874</cusip>
         <value>2150610</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26950</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>16950</Sole>
             <Shared>0</Shared>
             <None>10000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>30849846</value>
         <shrsOrPrnAmt>
             <sshPrnamt>77874</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3457</Sole>
             <Shared>0</Shared>
             <None>74417</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>CONSUM STP ETF</titleOfClass>
         <cusip>92204A207</cusip>
         <value>14290043</value>
         <shrsOrPrnAmt>
             <sshPrnamt>66860</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>459</Sole>
             <Shared>0</Shared>
             <None>66401</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>16968571</value>
         <shrsOrPrnAmt>
             <sshPrnamt>134821</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>46585</Sole>
             <Shared>0</Shared>
             <None>88236</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>42783302</value>
         <shrsOrPrnAmt>
             <sshPrnamt>325993</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>5604</Sole>
             <Shared>0</Shared>
             <None>320389</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>29324898</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112962</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1854</Sole>
             <Shared>0</Shared>
             <None>111108</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>INDUSTRIAL ETF</titleOfClass>
         <cusip>92204A603</cusip>
         <value>27940111</value>
         <shrsOrPrnAmt>
             <sshPrnamt>94300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1989</Sole>
             <Shared>0</Shared>
             <None>92311</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>121425738</value>
         <shrsOrPrnAmt>
             <sshPrnamt>162632</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9736</Sole>
             <Shared>0</Shared>
             <None>152896</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>MATERIALS ETF</titleOfClass>
         <cusip>92204A801</cusip>
         <value>7359422</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35924</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1392</Sole>
             <Shared>0</Shared>
             <None>34532</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>UTILITIES ETF</titleOfClass>
         <cusip>92204A876</cusip>
         <value>942542</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4976</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3928</Sole>
             <Shared>0</Shared>
             <None>1048</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>COMM SRVC ETF</titleOfClass>
         <cusip>92204A884</cusip>
         <value>27426961</value>
         <shrsOrPrnAmt>
             <sshPrnamt>146098</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1515</Sole>
             <Shared>0</Shared>
             <None>144583</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHORT TERM TREAS</titleOfClass>
         <cusip>92206C102</cusip>
         <value>92630</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1574</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1424</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>35285516</value>
         <shrsOrPrnAmt>
             <sshPrnamt>441455</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>333436</Sole>
             <Shared>0</Shared>
             <None>108019</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>TOTAL CORP BND</titleOfClass>
         <cusip>92206C573</cusip>
         <value>41698</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>5184</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>53</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
         <cusip>92206C680</cusip>
         <value>45067</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>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INTER TERM TREAS</titleOfClass>
         <cusip>92206C706</cusip>
         <value>291326</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4853</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3789</Sole>
             <Shared>0</Shared>
             <None>1064</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000VAL</titleOfClass>
         <cusip>92206C714</cusip>
         <value>1704</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>19</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>8616380</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28498</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>27611</Sole>
             <Shared>0</Shared>
             <None>887</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
         <cusip>92206C771</cusip>
         <value>164595</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>LG-TERM COR BD</titleOfClass>
         <cusip>92206C813</cusip>
         <value>178595</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2300</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>7426999</value>
         <shrsOrPrnAmt>
             <sshPrnamt>88301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>19402</Sole>
             <Shared>0</Shared>
             <None>68899</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>V2X INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92242T101</cusip>
         <value>465</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>8</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>110171</value>
         <shrsOrPrnAmt>
             <sshPrnamt>370</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>340</Sole>
             <Shared>0</Shared>
             <None>30</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VENTAS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92276F100</cusip>
         <value>91136</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1302</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1302</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
         <titleOfClass>TAX EXEMPT BD</titleOfClass>
         <cusip>922907746</cusip>
         <value>7544518</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150679</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>129743</Sole>
             <Shared>0</Shared>
             <None>20936</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
         <cusip>922908363</cusip>
         <value>12630048</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20625</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>18723</Sole>
             <Shared>0</Shared>
             <None>1902</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>208099</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1192</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1165</Sole>
             <Shared>0</Shared>
             <None>27</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>722430</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>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>13750344</value>
         <shrsOrPrnAmt>
             <sshPrnamt>150408</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>64201</Sole>
             <Shared>0</Shared>
             <None>86207</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>6087123</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20453</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>18539</Sole>
             <Shared>0</Shared>
             <None>1914</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>4776499</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22886</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>21667</Sole>
             <Shared>0</Shared>
             <None>1219</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>89657073</value>
         <shrsOrPrnAmt>
             <sshPrnamt>305226</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>7065</Sole>
             <Shared>0</Shared>
             <None>298161</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>LARGE CAP ETF</titleOfClass>
         <cusip>922908637</cusip>
         <value>4911890</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15955</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>15733</Sole>
             <Shared>0</Shared>
             <None>222</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>EXTEND MKT ETF</titleOfClass>
         <cusip>922908652</cusip>
         <value>130628</value>
         <shrsOrPrnAmt>
             <sshPrnamt>624</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>602</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>20321693</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42371</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>41686</Sole>
             <Shared>0</Shared>
             <None>685</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>5220720</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27995</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>25042</Sole>
             <Shared>0</Shared>
             <None>2953</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>119636340</value>
         <shrsOrPrnAmt>
             <sshPrnamt>470491</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>245954</Sole>
             <Shared>0</Shared>
             <None>224537</None>
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     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>33428699</value>
         <shrsOrPrnAmt>
             <sshPrnamt>101864</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>78403</Sole>
             <Shared>0</Shared>
             <None>23461</None>
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     <infoTable>
         <nameOfIssuer>VERASTEM INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>92337C203</cusip>
         <value>1104</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>2935946</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27539</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>23528</Sole>
             <Shared>0</Shared>
             <None>4011</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERISIGN INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92343E102</cusip>
         <value>2339721</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8369</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</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>28685001</value>
         <shrsOrPrnAmt>
             <sshPrnamt>652674</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>460801</Sole>
             <Shared>0</Shared>
             <None>191873</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92345Y106</cusip>
         <value>5756961</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22890</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>20637</Sole>
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             <None>2253</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92532F100</cusip>
         <value>4967949</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12685</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11529</Sole>
             <Shared>0</Shared>
             <None>1156</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VERTIV HOLDINGS CO</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92537N108</cusip>
         <value>62065573</value>
         <shrsOrPrnAmt>
             <sshPrnamt>411412</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>399177</Sole>
             <Shared>0</Shared>
             <None>12235</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIATRIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92556V106</cusip>
         <value>145332</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14680</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>4507</Sole>
             <Shared>0</Shared>
             <None>10173</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>925652109</cusip>
         <value>4592</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>VIRTU FINL INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>928254101</cusip>
         <value>62338</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1756</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1756</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISA INC</nameOfIssuer>
         <titleOfClass>COM CL A</titleOfClass>
         <cusip>92826C839</cusip>
         <value>236478247</value>
         <shrsOrPrnAmt>
             <sshPrnamt>692713</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>515733</Sole>
             <Shared>0</Shared>
             <None>176980</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VISTRA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92840M102</cusip>
         <value>12809</value>
         <shrsOrPrnAmt>
             <sshPrnamt>65</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>39</Sole>
             <Shared>0</Shared>
             <None>26</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VIRTUS DIVIDEND INTEREST &amp; P</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>92840R101</cusip>
         <value>5048</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>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>92857W308</cusip>
         <value>112636</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9710</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1011</Sole>
             <Shared>0</Shared>
             <None>8699</None>
         </votingAuthority>
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         <titleOfClass>COM</titleOfClass>
         <cusip>G3223R108</cusip>
         <value>21014</value>
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         <cusip>G3265R107</cusip>
         <value>382213</value>
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         <cusip>G3643J108</cusip>
         <value>1849</value>
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         <cusip>G3730V105</cusip>
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         <cusip>G3922B107</cusip>
         <value>468</value>
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         <nameOfIssuer>JAMES HARDIE INDS PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G4253H101</cusip>
         <value>29851</value>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G4705A100</cusip>
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         <nameOfIssuer>ICHOR HOLDINGS</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G4740B105</cusip>
         <value>8760</value>
         <shrsOrPrnAmt>
             <sshPrnamt>500</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>500</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>INVESCO LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G491BT108</cusip>
         <value>1259</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>55</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G50871105</cusip>
         <value>14893</value>
         <shrsOrPrnAmt>
             <sshPrnamt>113</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>113</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G51502105</cusip>
         <value>5384640</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48974</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>47574</Sole>
             <Shared>0</Shared>
             <None>1400</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LINDE PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>104053749</value>
         <shrsOrPrnAmt>
             <sshPrnamt>219061</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>154473</Sole>
             <Shared>0</Shared>
             <None>64588</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G5960L103</cusip>
         <value>8042661</value>
         <shrsOrPrnAmt>
             <sshPrnamt>84446</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>40132</Sole>
             <Shared>0</Shared>
             <None>44314</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>JOBY AVIATION INC</nameOfIssuer>
         <titleOfClass>COMMON STOCK</titleOfClass>
         <cusip>G65163100</cusip>
         <value>3228</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOBLE CORP PLC</nameOfIssuer>
         <titleOfClass>ORD SHS A</titleOfClass>
         <cusip>G65431127</cusip>
         <value>80909</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2861</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>2861</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G66721104</cusip>
         <value>11084</value>
         <shrsOrPrnAmt>
             <sshPrnamt>450</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>350</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NU HLDGS LTD</nameOfIssuer>
         <titleOfClass>ORD SHS CL A</titleOfClass>
         <cusip>G6683N103</cusip>
         <value>3202</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>200</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G6700G107</cusip>
         <value>4055485</value>
         <shrsOrPrnAmt>
             <sshPrnamt>41114</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>28673</Sole>
             <Shared>0</Shared>
             <None>12441</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROYALTY PHARMA PLC</nameOfIssuer>
         <titleOfClass>SHS CLASS A</titleOfClass>
         <cusip>G7709Q104</cusip>
         <value>402404</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11406</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>437</Sole>
             <Shared>0</Shared>
             <None>10969</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G7997R103</cusip>
         <value>959546</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4065</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>2706</Sole>
             <Shared>0</Shared>
             <None>1359</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PENTAIR PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G7S00T104</cusip>
         <value>2610767</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23571</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>14766</Sole>
             <Shared>0</Shared>
             <None>8805</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHARKNINJA INC</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>G8068L108</cusip>
         <value>576</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>6</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMURFIT WESTROCK PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8267P108</cusip>
         <value>15495</value>
         <shrsOrPrnAmt>
             <sshPrnamt>364</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>364</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STERIS PLC</nameOfIssuer>
         <titleOfClass>SHS USD</titleOfClass>
         <cusip>G8473T100</cusip>
         <value>299402</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1210</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>800</Sole>
             <Shared>0</Shared>
             <None>410</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>G87052109</cusip>
         <value>410042</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1868</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>664</Sole>
             <Shared>0</Shared>
             <None>1204</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>13483162</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31954</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>20025</Sole>
             <Shared>0</Shared>
             <None>11929</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WHITE MTNS INS GROUP LTD</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>G9618E107</cusip>
         <value>20058</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>12</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>G96629103</cusip>
         <value>543911</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1575</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>116</Sole>
             <Shared>0</Shared>
             <None>1459</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ALCON AG</nameOfIssuer>
         <titleOfClass>ORD SHS</titleOfClass>
         <cusip>H01301128</cusip>
         <value>8993</value>
         <shrsOrPrnAmt>
             <sshPrnamt>121</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>85</Sole>
             <Shared>0</Shared>
             <None>36</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>BUNGE GLOBAL SA</nameOfIssuer>
         <titleOfClass>COM SHS</titleOfClass>
         <cusip>H11356104</cusip>
         <value>8125</value>
         <shrsOrPrnAmt>
             <sshPrnamt>100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>100</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
         <value>95767559</value>
         <shrsOrPrnAmt>
             <sshPrnamt>339300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>239593</Sole>
             <Shared>0</Shared>
             <None>99707</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CRISPR THERAPEUTICS AG</nameOfIssuer>
         <titleOfClass>NAMEN AKT</titleOfClass>
         <cusip>H17182108</cusip>
         <value>41284</value>
         <shrsOrPrnAmt>
             <sshPrnamt>637</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>600</Sole>
             <Shared>0</Shared>
             <None>37</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>GARMIN LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H2906T109</cusip>
         <value>2637</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H42097107</cusip>
         <value>206500</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5037</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>691</Sole>
             <Shared>0</Shared>
             <None>4346</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LOGITECH INTL S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>H50430232</cusip>
         <value>21717</value>
         <shrsOrPrnAmt>
             <sshPrnamt>198</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>198</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>L8681T102</cusip>
         <value>130840</value>
         <shrsOrPrnAmt>
             <sshPrnamt>187</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>187</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M22465104</cusip>
         <value>64556</value>
         <shrsOrPrnAmt>
             <sshPrnamt>312</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>312</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
         <value>5657203</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11709</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>11709</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ELBIT SYS LTD</nameOfIssuer>
         <titleOfClass>ORD</titleOfClass>
         <cusip>M3760D101</cusip>
         <value>101960</value>
         <shrsOrPrnAmt>
             <sshPrnamt>200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>200</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MONDAY COM LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M7S64H106</cusip>
         <value>151</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>1</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>AERCAP HOLDINGS NV</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N00985106</cusip>
         <value>536756</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4436</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>388</Sole>
             <Shared>0</Shared>
             <None>4048</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
         <value>16961111</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17520</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>9556</Sole>
             <Shared>0</Shared>
             <None>7964</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CNH INDL N V</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>N20944109</cusip>
         <value>179481</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16542</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>3500</Sole>
             <Shared>0</Shared>
             <None>13042</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>633212</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1305</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>4</otherManager>
         <votingAuthority>
             <Sole>232</Sole>
             <Shared>0</Shared>
             <None>1073</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
         <titleOfClass>SHS - A -</titleOfClass>
         <cusip>N53745100</cusip>
         <value>30652</value>
         <shrsOrPrnAmt>
             <sshPrnamt>625</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>110122108</cusip>
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             <sshPrnamt>47173</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>42343</Sole>
             <Shared>2130</Shared>
             <None>2700</None>
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         <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>11133T103</cusip>
         <value>1025083</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4304</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3330</Sole>
             <Shared>974</Shared>
             <None>0</None>
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         <nameOfIssuer>BROADCOM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>11135F101</cusip>
         <value>32847488</value>
         <shrsOrPrnAmt>
             <sshPrnamt>99565</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>92555</Sole>
             <Shared>6790</Shared>
             <None>220</None>
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         <nameOfIssuer>BROOKFIELD CORP</nameOfIssuer>
         <titleOfClass>CL A LTD VT SH</titleOfClass>
         <cusip>11271J107</cusip>
         <value>346465</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5052</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4553</Sole>
             <Shared>499</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BUILDERS FIRSTSOURCE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12008R107</cusip>
         <value>2233788</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18423</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>18423</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>BURKE HERBERT FINL SVCS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12135Y108</cusip>
         <value>293335</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4755</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4755</Sole>
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             <None>0</None>
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         <nameOfIssuer>CB FINL SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12479G101</cusip>
         <value>405162</value>
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             <sshPrnamt>12200</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>12200</Sole>
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             <None>0</None>
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         <nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>12504L109</cusip>
         <value>1379122</value>
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             <sshPrnamt>8753</sshPrnamt>
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         <otherManager>5</otherManager>
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             <None>8682</None>
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         <nameOfIssuer>CF INDS HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>125269100</cusip>
         <value>640996</value>
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             <sshPrnamt>7146</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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         <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>125523100</cusip>
         <value>579958</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2012</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1458</Sole>
             <Shared>554</Shared>
             <None>0</None>
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         <nameOfIssuer>CME GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>12572Q105</cusip>
         <value>705465</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2611</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2513</Sole>
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             <None>0</None>
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         <nameOfIssuer>CSX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>126408103</cusip>
         <value>983484</value>
         <shrsOrPrnAmt>
             <sshPrnamt>27696</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>247</None>
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         <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>126650100</cusip>
         <value>1605128</value>
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         <otherManager>5</otherManager>
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         <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>127097103</cusip>
         <value>312156</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13199</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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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>1545544</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4400</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>4250</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CALIFORNIA WTR SVC GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>130788102</cusip>
         <value>321230</value>
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             <sshPrnamt>7000</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>CAMDEN NATL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>133034108</cusip>
         <value>320297</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8300</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>0</None>
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         <nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
         <titleOfClass>SH BEN INT</titleOfClass>
         <cusip>133131102</cusip>
         <value>406190</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>136375102</cusip>
         <value>278656</value>
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         <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>13646K108</cusip>
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         <nameOfIssuer>CAPITAL GROUP INTL FOCUS EQT</nameOfIssuer>
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         <cusip>14020W106</cusip>
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         <cusip>14020Y102</cusip>
         <value>5495444</value>
         <shrsOrPrnAmt>
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         <titleOfClass>MUNICIPAL INCOME</titleOfClass>
         <cusip>14020Y201</cusip>
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         <nameOfIssuer>CAPITAL GROUP INTERNATIONAL</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>14021M107</cusip>
         <value>518343</value>
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         <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14040H105</cusip>
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         <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14149Y108</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>14448C104</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>149123101</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>16411R208</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>166764100</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>169656105</cusip>
         <value>1769780</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>45159</Sole>
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             <None>0</None>
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         <nameOfIssuer>CHURCH &amp; DWIGHT CO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>171340102</cusip>
         <value>1756630</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <Sole>19591</Sole>
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             <None>455</None>
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         <nameOfIssuer>CINCINNATI FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>172062101</cusip>
         <value>387345</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2450</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>100</None>
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         <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>17275R102</cusip>
         <value>9567373</value>
         <shrsOrPrnAmt>
             <sshPrnamt>139833</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <votingAuthority>
             <Sole>127823</Sole>
             <Shared>8912</Shared>
             <None>3098</None>
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         <nameOfIssuer>CINTAS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>172908105</cusip>
         <value>12836755</value>
         <shrsOrPrnAmt>
             <sshPrnamt>62539</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>1110</None>
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         <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>172967424</cusip>
         <value>1533157</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14844</Sole>
             <Shared>261</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>CITIZENS FINL GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>174610105</cusip>
         <value>637282</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11988</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>350</Sole>
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             <None>11638</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>189054109</cusip>
         <value>1355683</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10995</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9946</Sole>
             <Shared>954</Shared>
             <None>95</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>COCA COLA CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>191216100</cusip>
         <value>6824725</value>
         <shrsOrPrnAmt>
             <sshPrnamt>102906</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>89117</Sole>
             <Shared>13215</Shared>
             <None>574</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>192446102</cusip>
         <value>203355</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3032</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2878</Sole>
             <Shared>154</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>194162103</cusip>
         <value>2825718</value>
         <shrsOrPrnAmt>
             <sshPrnamt>35348</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>33008</Sole>
             <Shared>2185</Shared>
             <None>155</None>
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     <infoTable>
         <nameOfIssuer>COLUMBIA ETF TR II</nameOfIssuer>
         <titleOfClass>EM CORE EX ETF</titleOfClass>
         <cusip>19762B202</cusip>
         <value>281630</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7752</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7752</Sole>
             <Shared>0</Shared>
             <None>0</None>
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         <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>20030N101</cusip>
         <value>1672831</value>
         <shrsOrPrnAmt>
             <sshPrnamt>53241</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>37014</Sole>
             <Shared>15960</Shared>
             <None>267</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>COMMERCE BANCSHARES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>200525103</cusip>
         <value>602021</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10074</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1251</Sole>
             <Shared>8548</Shared>
             <None>275</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>20825C104</cusip>
         <value>1453185</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15363</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13006</Sole>
             <Shared>157</Shared>
             <None>2200</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>21036P108</cusip>
         <value>306778</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2278</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2163</Sole>
             <Shared>115</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CONSTELLATION ENERGY CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>21037T109</cusip>
         <value>451154</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1371</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1371</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>COPART INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>217204106</cusip>
         <value>1200743</value>
         <shrsOrPrnAmt>
             <sshPrnamt>26701</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>26607</Sole>
             <Shared>94</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CORNING INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>219350105</cusip>
         <value>2971782</value>
         <shrsOrPrnAmt>
             <sshPrnamt>36228</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>25586</Sole>
             <Shared>8142</Shared>
             <None>2500</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CORTEVA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22052L104</cusip>
         <value>541715</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8010</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7634</Sole>
             <Shared>228</Shared>
             <None>148</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22160K105</cusip>
         <value>16339220</value>
         <shrsOrPrnAmt>
             <sshPrnamt>17652</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>16328</Sole>
             <Shared>222</Shared>
             <None>1102</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>COSTAR GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22160N109</cusip>
         <value>1143212</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13550</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1744</Sole>
             <Shared>50</Shared>
             <None>11756</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>CROWDSTRIKE HLDGS INC</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>22788C105</cusip>
         <value>664464</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1355</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1280</Sole>
             <Shared>0</Shared>
             <None>75</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>22822V101</cusip>
         <value>1919185</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19890</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>19366</Sole>
             <Shared>357</Shared>
             <None>167</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>CUMMINS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>231021106</cusip>
         <value>794899</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1882</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1773</Sole>
             <Shared>62</Shared>
             <None>47</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>233331107</cusip>
         <value>252028</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1782</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1729</Sole>
             <Shared>53</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>235851102</cusip>
         <value>9123725</value>
         <shrsOrPrnAmt>
             <sshPrnamt>46019</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>30123</Sole>
             <Shared>1000</Shared>
             <None>14896</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DARLING INGREDIENTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>237266101</cusip>
         <value>222171</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7197</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6930</Sole>
             <Shared>267</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DECKERS OUTDOOR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>243537107</cusip>
         <value>897124</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8850</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8850</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>244199105</cusip>
         <value>5099820</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11153</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7395</Sole>
             <Shared>3650</Shared>
             <None>108</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>CL C</titleOfClass>
         <cusip>24703L202</cusip>
         <value>1739375</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12269</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12256</Sole>
             <Shared>13</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
         <titleOfClass>SPON ADR NEW</titleOfClass>
         <cusip>25243Q205</cusip>
         <value>684136</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7169</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5804</Sole>
             <Shared>1365</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>253868103</cusip>
         <value>571714</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3307</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3307</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>INTL CORE EQT MK</titleOfClass>
         <cusip>25434V203</cusip>
         <value>1772934</value>
         <shrsOrPrnAmt>
             <sshPrnamt>48774</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>48615</Sole>
             <Shared>0</Shared>
             <None>159</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US EQUITY MARKET</titleOfClass>
         <cusip>25434V401</cusip>
         <value>1154548</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15938</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>15938</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US TARGETED VLU</titleOfClass>
         <cusip>25434V609</cusip>
         <value>598457</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10281</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8381</Sole>
             <Shared>1900</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US CORE EQUITY 2</titleOfClass>
         <cusip>25434V708</cusip>
         <value>3837829</value>
         <shrsOrPrnAmt>
             <sshPrnamt>99503</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>87869</Sole>
             <Shared>10974</Shared>
             <None>660</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US MKTWIDE VALUE</titleOfClass>
         <cusip>25434V724</cusip>
         <value>228946</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5123</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5123</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>US HIGH PROFITAB</titleOfClass>
         <cusip>25434V831</cusip>
         <value>2096914</value>
         <shrsOrPrnAmt>
             <sshPrnamt>55518</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>55148</Sole>
             <Shared>0</Shared>
             <None>370</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
         <titleOfClass>NATL MUN BD ETF</titleOfClass>
         <cusip>25434V849</cusip>
         <value>623740</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13000</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13000</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>211563</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6742</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5042</Sole>
             <Shared>1700</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>254687106</cusip>
         <value>2622966</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22908</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>16307</Sole>
             <Shared>2376</Shared>
             <None>4225</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25746U109</cusip>
         <value>245657</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4016</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4016</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>DOMINOS PIZZA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>25754A201</cusip>
         <value>217581</value>
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             <None>0</None>
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         <nameOfIssuer>DONALDSON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>208471</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2547</sshPrnamt>
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             <Sole>1953</Sole>
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         <nameOfIssuer>DOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>260557103</cusip>
         <value>258948</value>
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             <sshPrnamt>11293</sshPrnamt>
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             <None>0</None>
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         <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
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         <value>1206438</value>
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             <sshPrnamt>9749</sshPrnamt>
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         <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>511178</value>
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             <sshPrnamt>6562</sshPrnamt>
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         <nameOfIssuer>DUTCH BROS INC</nameOfIssuer>
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             <sshPrnamt>5268</sshPrnamt>
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         <nameOfIssuer>EOG RES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>EQT CORP</nameOfIssuer>
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         <nameOfIssuer>ECOLAB INC</nameOfIssuer>
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         <nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>315256</value>
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             <sshPrnamt>1563</sshPrnamt>
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         <nameOfIssuer>EMCOR GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>1050306</value>
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             <sshPrnamt>1617</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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             <None>1513</None>
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         <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>291011104</cusip>
         <value>3140317</value>
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             <sshPrnamt>23939</sshPrnamt>
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         <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
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         <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
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         <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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             <sshPrnamt>73651</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>EQUINIX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>29444U700</cusip>
         <value>2168008</value>
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             <sshPrnamt>2768</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>EQUITY RESIDENTIAL</nameOfIssuer>
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         <nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30040W108</cusip>
         <value>1257754</value>
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         <nameOfIssuer>EXELIXIS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30161Q104</cusip>
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         <nameOfIssuer>EXPEDITORS INTL WASH INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>302130109</cusip>
         <value>221151</value>
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         <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30225T102</cusip>
         <value>628168</value>
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         <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>FB FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>30257X104</cusip>
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             <sshPrnamt>14420</sshPrnamt>
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         <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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         <cusip>30303M102</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FASTENAL CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>311900104</cusip>
         <value>649681</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>FEDEX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31428X106</cusip>
         <value>647297</value>
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             <sshPrnamt>2745</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>FERGUSON ENTERPRISES INC</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>FIDELITY D &amp; D BANCORP INC</nameOfIssuer>
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         <cusip>31609R100</cusip>
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         <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>31620M106</cusip>
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         <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
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         <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>31866P102</cusip>
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         <nameOfIssuer>FIRST CTZNS BANCSHARES INC D</nameOfIssuer>
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         <cusip>31946M103</cusip>
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         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
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         <cusip>336917109</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>WTR ETF</titleOfClass>
         <cusip>33733B100</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>33734X846</cusip>
         <value>245968</value>
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         <cusip>33738D101</cusip>
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             <Sole>3875</Sole>
             <Shared>0</Shared>
             <None>3160</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>BUYWRIT INCM ETF</titleOfClass>
         <cusip>33738R308</cusip>
         <value>304530</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12844</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>12844</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
         <cusip>33738R506</cusip>
         <value>415666</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6180</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4930</Sole>
             <Shared>0</Shared>
             <None>1250</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
         <titleOfClass>RBA INDL ETF</titleOfClass>
         <cusip>33738R704</cusip>
         <value>255041</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2638</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>638</Sole>
             <Shared>0</Shared>
             <None>2000</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
         <titleOfClass>PFD SECS INC ETF</titleOfClass>
         <cusip>33739E108</cusip>
         <value>728487</value>
         <shrsOrPrnAmt>
             <sshPrnamt>39939</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>30939</Sole>
             <Shared>9000</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>FST LOW OPPT EFT</titleOfClass>
         <cusip>33739Q200</cusip>
         <value>418035</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8396</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3396</Sole>
             <Shared>5000</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
         <titleOfClass>SMID RISNG ETF</titleOfClass>
         <cusip>33741X102</cusip>
         <value>10547179</value>
         <shrsOrPrnAmt>
             <sshPrnamt>277415</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>266790</Sole>
             <Shared>8465</Shared>
             <None>2160</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FISERV INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>337738108</cusip>
         <value>229366</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1779</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1779</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>GLB QLT R/E IDX</titleOfClass>
         <cusip>33939L787</cusip>
         <value>333570</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5472</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5472</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
         <titleOfClass>M STAR DEV MKT</titleOfClass>
         <cusip>33939L803</cusip>
         <value>574471</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6474</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6474</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FORTINET INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959E109</cusip>
         <value>3742147</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44507</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>44507</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>34959J108</cusip>
         <value>219132</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4473</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>941</Sole>
             <Shared>70</Shared>
             <None>3462</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FOX CORP</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>35137L105</cusip>
         <value>990293</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15704</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>15561</Sole>
             <Shared>143</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
         <titleOfClass>CL B</titleOfClass>
         <cusip>35671D857</cusip>
         <value>633166</value>
         <shrsOrPrnAmt>
             <sshPrnamt>16144</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>15979</Sole>
             <Shared>165</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>363576109</cusip>
         <value>415670</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1342</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1311</Sole>
             <Shared>31</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>36828A101</cusip>
         <value>1473914</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2397</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2397</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GENERAC HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>368736104</cusip>
         <value>967404</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5779</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5779</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>369550108</cusip>
         <value>1051985</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3085</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2886</Sole>
             <Shared>161</Shared>
             <None>38</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>369604301</cusip>
         <value>2623149</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8720</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8701</Sole>
             <Shared>19</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>370334104</cusip>
         <value>640989</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12713</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10059</Sole>
             <Shared>1254</Shared>
             <None>1400</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GENTEX CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>371901109</cusip>
         <value>316960</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11200</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>11200</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>372460105</cusip>
         <value>675951</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4877</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3790</Sole>
             <Shared>1087</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>375558103</cusip>
         <value>2168940</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19540</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13414</Sole>
             <Shared>6104</Shared>
             <None>22</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GSK PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>37733W204</cusip>
         <value>245191</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5681</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5285</Sole>
             <Shared>396</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GLOBE LIFE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>37959E102</cusip>
         <value>2649948</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18535</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18535</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>38141G104</cusip>
         <value>2892342</value>
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             <sshPrnamt>3632</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3050</Sole>
             <Shared>582</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
         <titleOfClass>ACTIVEBETA US LG</titleOfClass>
         <cusip>381430503</cusip>
         <value>409470</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3143</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3143</Sole>
             <Shared>0</Shared>
             <None>0</None>
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     <infoTable>
         <nameOfIssuer>GRACO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>384109104</cusip>
         <value>276374</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3253</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2307</Sole>
             <Shared>946</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>384802104</cusip>
         <value>984407</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1033</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>917</Sole>
             <Shared>104</Shared>
             <None>12</None>
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     <infoTable>
         <nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>40171V100</cusip>
         <value>1103097</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4799</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>4799</Sole>
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             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>HBT FINL INC.</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>404111106</cusip>
         <value>297864</value>
         <shrsOrPrnAmt>
             <sshPrnamt>11820</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <Sole>11820</Sole>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>HALEON PLC</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>405552100</cusip>
         <value>447539</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49893</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>46668</Sole>
             <Shared>3225</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>HARTFORD FDS EXCHANGE TRADED</nameOfIssuer>
         <titleOfClass>TOTAL RTRN ETF</titleOfClass>
         <cusip>41653L305</cusip>
         <value>1170043</value>
         <shrsOrPrnAmt>
             <sshPrnamt>34122</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1842</Sole>
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             <None>32280</None>
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     <infoTable>
         <nameOfIssuer>HEALTHPEAK PROPERTIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>42250P103</cusip>
         <value>193357</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10097</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10097</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>HEICO CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>422806208</cusip>
         <value>5689074</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22390</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14307</Sole>
             <Shared>0</Shared>
             <None>8083</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>HERSHEY CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>427866108</cusip>
         <value>1605449</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8583</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8318</Sole>
             <Shared>0</Shared>
             <None>265</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>HILTON WORLDWIDE HLDGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>43300A203</cusip>
         <value>717610</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2766</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2640</Sole>
             <Shared>80</Shared>
             <None>46</None>
         </votingAuthority>
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     <infoTable>
         <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>437076102</cusip>
         <value>17873335</value>
         <shrsOrPrnAmt>
             <sshPrnamt>44111</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>36163</Sole>
             <Shared>2181</Shared>
             <None>5767</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
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         <nameOfIssuer>ROLLINS INC</nameOfIssuer>
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             <sshPrnamt>4193</sshPrnamt>
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         <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>776696106</cusip>
         <value>666747</value>
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         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>778296103</cusip>
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         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>59544101</value>
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         <nameOfIssuer>H2O AMERICA</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>784305104</cusip>
         <value>292200</value>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
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         <cusip>78462F103</cusip>
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         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
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         <cusip>78463V107</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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         <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
         <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
         <cusip>78463X889</cusip>
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         <shrsOrPrnAmt>
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         <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
         <cusip>78464A201</cusip>
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         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>NUVEEN ICE HIGH</titleOfClass>
         <cusip>78464A284</cusip>
         <value>1324206</value>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
         <cusip>78464A409</cusip>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
         <cusip>78464A508</cusip>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
         <cusip>78464A763</cusip>
         <value>827695</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5910</sshPrnamt>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
         <cusip>78464A805</cusip>
         <value>473254</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
         <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
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     <infoTable>
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         <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
         <cusip>78468R622</cusip>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
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     <infoTable>
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         <titleOfClass>NUVEEN ICE MUNIC</titleOfClass>
         <cusip>78468R721</cusip>
         <value>380555</value>
         <shrsOrPrnAmt>
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             <None>0</None>
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     <infoTable>
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         <titleOfClass>NUVEEN ICE SHORT</titleOfClass>
         <cusip>78468R739</cusip>
         <value>2352508</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>
         <cusip>78468R788</cusip>
         <value>605440</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
         <cusip>78468R853</cusip>
         <value>1572794</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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     <infoTable>
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         <titleOfClass>COM</titleOfClass>
         <cusip>79466L302</cusip>
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         <shrsOrPrnAmt>
             <sshPrnamt>27302</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
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         <otherManager>5</otherManager>
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     <infoTable>
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         <cusip>808524201</cusip>
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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>808524607</cusip>
         <value>906861</value>
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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>808524672</cusip>
         <value>3703921</value>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>FUNDAMENTAL US S</titleOfClass>
         <cusip>808524763</cusip>
         <value>414396</value>
         <shrsOrPrnAmt>
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     <infoTable>
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         <titleOfClass>FUNDAMENTAL US L</titleOfClass>
         <cusip>808524771</cusip>
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         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US DIVIDEND EQ</titleOfClass>
         <cusip>808524797</cusip>
         <value>9840175</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>US REIT ETF</titleOfClass>
         <cusip>808524847</cusip>
         <value>500898</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23222</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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             <None>1984</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>INT-TRM U.S TRES</titleOfClass>
         <cusip>808524854</cusip>
         <value>1556753</value>
         <shrsOrPrnAmt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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             <None>2745</None>
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     <infoTable>
         <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
         <titleOfClass>SHT TM US TRES</titleOfClass>
         <cusip>808524862</cusip>
         <value>2287353</value>
         <shrsOrPrnAmt>
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             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>90609</Sole>
             <Shared>1324</Shared>
             <None>1811</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SEA LTD</nameOfIssuer>
         <titleOfClass>SPONSORD ADS</titleOfClass>
         <cusip>81141R100</cusip>
         <value>320820</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1795</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1731</Sole>
             <Shared>64</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>643939</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4627</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1750</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>709952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9059</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8208</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>425600</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1776</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>726</Sole>
             <Shared>1050</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>925204</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10356</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7506</Sole>
             <Shared>2850</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>1049118</value>
         <shrsOrPrnAmt>
             <sshPrnamt>19475</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>17875</Sole>
             <Shared>1600</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>1938207</value>
         <shrsOrPrnAmt>
             <sshPrnamt>12567</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10803</Sole>
             <Shared>1764</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>1430157</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5074</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2272</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>1923317</value>
         <shrsOrPrnAmt>
             <sshPrnamt>45652</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>45152</Sole>
             <Shared>500</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI INT-UTILS</titleOfClass>
         <cusip>81369Y886</cusip>
         <value>867739</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9950</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9950</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>816300107</cusip>
         <value>405350</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>956307</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10628</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7684</Sole>
             <Shared>244</Shared>
             <None>2700</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
         <value>5955131</value>
         <shrsOrPrnAmt>
             <sshPrnamt>6471</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6458</Sole>
             <Shared>13</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>824348106</cusip>
         <value>3770078</value>
         <shrsOrPrnAmt>
             <sshPrnamt>10888</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>10833</Sole>
             <Shared>55</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>828806109</cusip>
         <value>398797</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2125</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2125</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMITH A O CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>831865209</cusip>
         <value>962771</value>
         <shrsOrPrnAmt>
             <sshPrnamt>13115</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1615</Sole>
             <Shared>11500</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>832696405</cusip>
         <value>216982</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1998</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1698</Sole>
             <Shared>300</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SNAP ON INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>833034101</cusip>
         <value>473013</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1365</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>718</Sole>
             <Shared>647</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SONY GROUP CORP</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>835699307</cusip>
         <value>665336</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23110</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>19731</Sole>
             <Shared>3379</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>842587107</cusip>
         <value>4040803</value>
         <shrsOrPrnAmt>
             <sshPrnamt>42638</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>38221</Sole>
             <Shared>4174</Shared>
             <None>243</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>854502101</cusip>
         <value>344816</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4639</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4421</Sole>
             <Shared>200</Shared>
             <None>18</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>1849525</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21862</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>16207</Sole>
             <Shared>3355</Shared>
             <None>2300</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STATE STR CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>857477103</cusip>
         <value>904181</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7794</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7788</Sole>
             <Shared>6</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>858119100</cusip>
         <value>5340308</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>38258</Sole>
             <Shared>43</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STIFEL FINL CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>860630102</cusip>
         <value>1007613</value>
         <shrsOrPrnAmt>
             <sshPrnamt>8880</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>8880</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
         <value>5678869</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15362</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>11006</Sole>
             <Shared>306</Shared>
             <None>4050</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871607107</cusip>
         <value>1310443</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2656</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2656</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TD SYNNEX CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87162W100</cusip>
         <value>1183421</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7227</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7227</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
         <value>12340390</value>
         <shrsOrPrnAmt>
             <sshPrnamt>85377</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>78941</Sole>
             <Shared>4304</Shared>
             <None>2132</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872590104</cusip>
         <value>1399654</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5847</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5627</Sole>
             <Shared>168</Shared>
             <None>52</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
         <titleOfClass>SPONSORED ADS</titleOfClass>
         <cusip>874039100</cusip>
         <value>6356081</value>
         <shrsOrPrnAmt>
             <sshPrnamt>22758</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>21644</Sole>
             <Shared>125</Shared>
             <None>989</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TARGET CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>87612E106</cusip>
         <value>816269</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9100</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>6922</Sole>
             <Shared>2166</Shared>
             <None>12</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TELEDYNE TECHNOLOGIES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>879360105</cusip>
         <value>284814</value>
         <shrsOrPrnAmt>
             <sshPrnamt>486</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>462</Sole>
             <Shared>24</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TENET HEALTHCARE CORP</nameOfIssuer>
         <titleOfClass>COM NEW</titleOfClass>
         <cusip>88033G407</cusip>
         <value>949212</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4675</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4675</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TESLA INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88160R101</cusip>
         <value>1843364</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4145</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4085</Sole>
             <Shared>60</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TETRA TECH INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>88162G103</cusip>
         <value>265971</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7968</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7968</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>882508104</cusip>
         <value>3902791</value>
         <shrsOrPrnAmt>
             <sshPrnamt>21242</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>20238</Sole>
             <Shared>462</Shared>
             <None>542</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>2023 ETF SERIES TRUST</nameOfIssuer>
         <titleOfClass>EAGLE CAPITAL SE</titleOfClass>
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         <value>16668474</value>
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             <sshPrnamt>211234</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>199984</Sole>
             <Shared>2140</Shared>
             <None>9110</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL BND MRKT</titleOfClass>
         <cusip>921937835</cusip>
         <value>1767253</value>
         <shrsOrPrnAmt>
             <sshPrnamt>23763</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>22028</Sole>
             <Shared>350</Shared>
             <None>1385</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
         <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
         <cusip>921943858</cusip>
         <value>17409995</value>
         <shrsOrPrnAmt>
             <sshPrnamt>290554</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>279163</Sole>
             <Shared>11391</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>HIGH DIV YLD</titleOfClass>
         <cusip>921946406</cusip>
         <value>38989870</value>
         <shrsOrPrnAmt>
             <sshPrnamt>276622</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>147085</Sole>
             <Shared>128910</Shared>
             <None>627</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL HIGH ETF</titleOfClass>
         <cusip>921946794</cusip>
         <value>1582584</value>
         <shrsOrPrnAmt>
             <sshPrnamt>18689</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18689</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
         <titleOfClass>INTL DVD ETF</titleOfClass>
         <cusip>921946810</cusip>
         <value>12244039</value>
         <shrsOrPrnAmt>
             <sshPrnamt>136698</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>130253</Sole>
             <Shared>0</Shared>
             <None>6445</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>GLB EX US ETF</titleOfClass>
         <cusip>922042676</cusip>
         <value>253021</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5300</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>684667</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4803</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4803</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>339952</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2467</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2467</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>5781469</value>
         <shrsOrPrnAmt>
             <sshPrnamt>81007</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>78562</Sole>
             <Shared>2445</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
         <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
         <cusip>922042858</cusip>
         <value>6094924</value>
         <shrsOrPrnAmt>
             <sshPrnamt>112494</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>111090</Sole>
             <Shared>1404</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>CONSUM DIS ETF</titleOfClass>
         <cusip>92204A108</cusip>
         <value>927386</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2341</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2341</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>ENERGY ETF</titleOfClass>
         <cusip>92204A306</cusip>
         <value>1248782</value>
         <shrsOrPrnAmt>
             <sshPrnamt>9922</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9922</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>FINANCIALS ETF</titleOfClass>
         <cusip>92204A405</cusip>
         <value>642682</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4897</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4897</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>HEALTH CAR ETF</titleOfClass>
         <cusip>92204A504</cusip>
         <value>274137</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1056</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1056</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
         <titleOfClass>INF TECH ETF</titleOfClass>
         <cusip>92204A702</cusip>
         <value>959418</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1285</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>1222</Sole>
             <Shared>9</Shared>
             <None>54</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>SHRT TRM CORP BD</titleOfClass>
         <cusip>92206C409</cusip>
         <value>10477144</value>
         <shrsOrPrnAmt>
             <sshPrnamt>131079</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>128443</Sole>
             <Shared>242</Shared>
             <None>2394</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS2000IDX</titleOfClass>
         <cusip>92206C664</cusip>
         <value>303339</value>
         <shrsOrPrnAmt>
             <sshPrnamt>3101</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>3101</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000GRW</titleOfClass>
         <cusip>92206C680</cusip>
         <value>573459</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4759</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4759</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INTER TERM TREAS</titleOfClass>
         <cusip>92206C706</cusip>
         <value>262990</value>
         <shrsOrPrnAmt>
             <sshPrnamt>4381</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>4381</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>VNG RUS1000IDX</titleOfClass>
         <cusip>92206C730</cusip>
         <value>2331118</value>
         <shrsOrPrnAmt>
             <sshPrnamt>7710</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>7507</Sole>
             <Shared>0</Shared>
             <None>203</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
         <cusip>92206C771</cusip>
         <value>671574</value>
         <shrsOrPrnAmt>
             <sshPrnamt>14301</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13269</Sole>
             <Shared>962</Shared>
             <None>70</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>LG-TERM COR BD</titleOfClass>
         <cusip>92206C813</cusip>
         <value>205772</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2650</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>2650</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
         <titleOfClass>INT-TERM CORP</titleOfClass>
         <cusip>92206C870</cusip>
         <value>4901677</value>
         <shrsOrPrnAmt>
             <sshPrnamt>58277</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>56992</Sole>
             <Shared>185</Shared>
             <None>1100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
         <titleOfClass>CL A COM</titleOfClass>
         <cusip>922475108</cusip>
         <value>1770180</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5942</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>5942</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>2363904</value>
         <shrsOrPrnAmt>
             <sshPrnamt>47212</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>46867</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>12749138</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20819</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>19479</Sole>
             <Shared>1145</Shared>
             <None>195</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP VL IDXVIP</titleOfClass>
         <cusip>922908512</cusip>
         <value>8566989</value>
         <shrsOrPrnAmt>
             <sshPrnamt>49072</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>29276</Sole>
             <Shared>19757</Shared>
             <None>39</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MCAP GR IDXVIP</titleOfClass>
         <cusip>922908538</cusip>
         <value>8360088</value>
         <shrsOrPrnAmt>
             <sshPrnamt>28456</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>14708</Sole>
             <Shared>13695</Shared>
             <None>53</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>REAL ESTATE ETF</titleOfClass>
         <cusip>922908553</cusip>
         <value>1846318</value>
         <shrsOrPrnAmt>
             <sshPrnamt>20196</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>18997</Sole>
             <Shared>1199</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SML CP GRW ETF</titleOfClass>
         <cusip>922908595</cusip>
         <value>4724717</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15875</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>9510</Sole>
             <Shared>6350</Shared>
             <None>15</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SM CP VAL ETF</titleOfClass>
         <cusip>922908611</cusip>
         <value>6527613</value>
         <shrsOrPrnAmt>
             <sshPrnamt>31276</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>21891</Sole>
             <Shared>9305</Shared>
             <None>80</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>MID CAP ETF</titleOfClass>
         <cusip>922908629</cusip>
         <value>4590568</value>
         <shrsOrPrnAmt>
             <sshPrnamt>15628</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>13924</Sole>
             <Shared>1704</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>GROWTH ETF</titleOfClass>
         <cusip>922908736</cusip>
         <value>54518226</value>
         <shrsOrPrnAmt>
             <sshPrnamt>113672</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>72532</Sole>
             <Shared>39363</Shared>
             <None>1777</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>VALUE ETF</titleOfClass>
         <cusip>922908744</cusip>
         <value>24879257</value>
         <shrsOrPrnAmt>
             <sshPrnamt>133408</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>123778</Sole>
             <Shared>6047</Shared>
             <None>3583</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>SMALL CP ETF</titleOfClass>
         <cusip>922908751</cusip>
         <value>7532789</value>
         <shrsOrPrnAmt>
             <sshPrnamt>29624</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
             <Sole>29169</Sole>
             <Shared>455</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
         <titleOfClass>TOTAL STK MKT</titleOfClass>
         <cusip>922908769</cusip>
         <value>1861379</value>
         <shrsOrPrnAmt>
             <sshPrnamt>5672</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
         <votingAuthority>
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         <cusip>H01301128</cusip>
         <value>217718</value>
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             <None>75</None>
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         <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>H1467J104</cusip>
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         <shrsOrPrnAmt>
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         <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
         <titleOfClass>SHS</titleOfClass>
         <cusip>M2682V108</cusip>
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         <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
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             <None>310</None>
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         <nameOfIssuer>FERRARI N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>N3167Y103</cusip>
         <value>222230</value>
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         <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <value>605988</value>
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         <otherManager>5</otherManager>
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             <Shared>208</Shared>
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         <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>V7780T103</cusip>
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         <titleOfClass>ORD</titleOfClass>
         <cusip>Y2573F102</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>5</otherManager>
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         <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>002824100</cusip>
         <value>4225806</value>
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             <sshPrnamt>31550</sshPrnamt>
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         <otherManager>6</otherManager>
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         <titleOfClass>COM</titleOfClass>
         <cusip>00287Y109</cusip>
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         <nameOfIssuer>ADOBE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>00724F101</cusip>
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         <cusip>01609W102</cusip>
         <value>721890</value>
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             <sshPrnamt>4039</sshPrnamt>
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         <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>02043Q107</cusip>
         <value>379392</value>
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         <cusip>02079K107</cusip>
         <value>3387049</value>
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         <otherManager>6</otherManager>
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         <nameOfIssuer>ALPHABET INC</nameOfIssuer>
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         <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>023135106</cusip>
         <value>5254309</value>
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         <nameOfIssuer>AMERICAN CENTY ETF TR</nameOfIssuer>
         <titleOfClass>AVANTIS EMGMKT</titleOfClass>
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         <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>03027X100</cusip>
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         <cusip>032095101</cusip>
         <value>446366</value>
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         <cusip>037833100</cusip>
         <value>6278157</value>
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         <value>929072</value>
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         <nameOfIssuer>ARAMARK</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>03852U106</cusip>
         <value>303206</value>
         <shrsOrPrnAmt>
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         <titleOfClass>COM SHS</titleOfClass>
         <cusip>040413205</cusip>
         <value>345186</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>AUTOZONE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>053332102</cusip>
         <value>240253</value>
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             <sshPrnamt>56</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>053611109</cusip>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>05946K101</cusip>
         <value>796218</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>060505104</cusip>
         <value>2268772</value>
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         <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>075887109</cusip>
         <value>280941</value>
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         <cusip>084670702</cusip>
         <value>4855965</value>
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         <cusip>088606108</cusip>
         <value>583646</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <titleOfClass>COM</titleOfClass>
         <cusip>09260D107</cusip>
         <value>297108</value>
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             <sshPrnamt>1739</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <None>0</None>
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         <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>09857L108</cusip>
         <value>1139245</value>
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             <sshPrnamt>211</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BROADCOM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>11135F101</cusip>
         <value>3734250</value>
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             <sshPrnamt>11319</sshPrnamt>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>BROOKFIELD CORP</nameOfIssuer>
         <titleOfClass>CL A LTD VT SH</titleOfClass>
         <cusip>11271J107</cusip>
         <value>1701881</value>
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             <sshPrnamtType>SH</sshPrnamtType>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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             <Sole>24816</Sole>
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         <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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         <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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         <cusip>72201R775</cusip>
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         <cusip>74316P645</cusip>
         <value>249591</value>
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         <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
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         <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
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             <sshPrnamt>3419</sshPrnamt>
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         <nameOfIssuer>REGAL REXNORD CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>RENTOKIL INITIAL PLC</nameOfIssuer>
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         <nameOfIssuer>ROBINHOOD MKTS INC</nameOfIssuer>
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         <nameOfIssuer>ROBLOX CORP</nameOfIssuer>
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         <nameOfIssuer>RYANAIR HOLDINGS PLC</nameOfIssuer>
         <titleOfClass>SPONSORED ADR</titleOfClass>
         <cusip>783513203</cusip>
         <value>441954</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
         <titleOfClass>CL A</titleOfClass>
         <cusip>78410G104</cusip>
         <value>1680984</value>
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         <cusip>78462F103</cusip>
         <value>724137</value>
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         <titleOfClass>GOLD SHS</titleOfClass>
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         <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
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         <value>643640</value>
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         <titleOfClass>COM</titleOfClass>
         <cusip>78573M104</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>546808</value>
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         <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>81762P102</cusip>
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         <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
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         <cusip>82509L107</cusip>
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         <titleOfClass>COM</titleOfClass>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>855244109</cusip>
         <value>1209864</value>
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         <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>863667101</cusip>
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         <nameOfIssuer>SYSCO CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>871829107</cusip>
         <value>2711455</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>6</otherManager>
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         <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>872540109</cusip>
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         <titleOfClass>COM</titleOfClass>
         <cusip>88160R101</cusip>
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         <otherManager>6</otherManager>
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         <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
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             <sshPrnamt>2923</sshPrnamt>
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         <cusip>G25839104</cusip>
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         <cusip>G29183103</cusip>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G54950103</cusip>
         <value>810350</value>
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         <investmentDiscretion>DFND</investmentDiscretion>
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         <cusip>G5960L103</cusip>
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         <titleOfClass>SHS</titleOfClass>
         <cusip>G8994E103</cusip>
         <value>216887</value>
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         <cusip>H01301128</cusip>
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         <titleOfClass>N Y REGISTRY SHS</titleOfClass>
         <cusip>N07059210</cusip>
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         <titleOfClass>COM</titleOfClass>
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             <None>42982</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>MOODYS CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>615369105</cusip>
         <value>174002396</value>
         <shrsOrPrnAmt>
             <sshPrnamt>365183</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>341220</Sole>
             <Shared>0</Shared>
             <None>23963</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NASDAQ INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>631103108</cusip>
         <value>155760</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1761</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>1761</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>65339F101</cusip>
         <value>131579</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1743</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1743</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
         <titleOfClass>ADR</titleOfClass>
         <cusip>670100205</cusip>
         <value>95998</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1730</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>230</Sole>
             <Shared>0</Shared>
             <None>1500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67066G104</cusip>
         <value>406371</value>
         <shrsOrPrnAmt>
             <sshPrnamt>2178</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>178</Sole>
             <Shared>0</Shared>
             <None>2000</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>67103H107</cusip>
         <value>89189596</value>
         <shrsOrPrnAmt>
             <sshPrnamt>827285</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>779585</Sole>
             <Shared>0</Shared>
             <None>47700</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ORACLE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>68389X105</cusip>
         <value>249582911</value>
         <shrsOrPrnAmt>
             <sshPrnamt>887437</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>829430</Sole>
             <Shared>0</Shared>
             <None>58007</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PG&amp;E CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>69331C108</cusip>
         <value>3770</value>
         <shrsOrPrnAmt>
             <sshPrnamt>250</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>250</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>695156109</cusip>
         <value>56487909</value>
         <shrsOrPrnAmt>
             <sshPrnamt>259202</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>244015</Sole>
             <Shared>0</Shared>
             <None>15187</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>701094104</cusip>
         <value>112206</value>
         <shrsOrPrnAmt>
             <sshPrnamt>148</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>48</Sole>
             <Shared>0</Shared>
             <None>100</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>704326107</cusip>
         <value>201168</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1587</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>841</Sole>
             <Shared>0</Shared>
             <None>746</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PEPSICO INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>713448108</cusip>
         <value>273784530</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1949476</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1823976</Sole>
             <Shared>0</Shared>
             <None>125500</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>718546104</cusip>
         <value>59305</value>
         <shrsOrPrnAmt>
             <sshPrnamt>436</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>436</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>742718109</cusip>
         <value>178428871</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1161268</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>1082866</Sole>
             <Shared>0</Shared>
             <None>78402</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>743315103</cusip>
         <value>181755</value>
         <shrsOrPrnAmt>
             <sshPrnamt>736</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>131</Sole>
             <Shared>0</Shared>
             <None>605</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>747525103</cusip>
         <value>73864</value>
         <shrsOrPrnAmt>
             <sshPrnamt>444</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>150</Sole>
             <Shared>0</Shared>
             <None>294</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>75513E101</cusip>
         <value>203306</value>
         <shrsOrPrnAmt>
             <sshPrnamt>1215</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>542</Sole>
             <Shared>0</Shared>
             <None>673</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>760759100</cusip>
         <value>173421524</value>
         <shrsOrPrnAmt>
             <sshPrnamt>755715</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>705829</Sole>
             <Shared>0</Shared>
             <None>49886</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>773903109</cusip>
         <value>104859</value>
         <shrsOrPrnAmt>
             <sshPrnamt>300</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>300</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROLLINS INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>775711104</cusip>
         <value>54964663</value>
         <shrsOrPrnAmt>
             <sshPrnamt>935728</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>881496</Sole>
             <Shared>0</Shared>
             <None>54232</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>778296103</cusip>
         <value>21335</value>
         <shrsOrPrnAmt>
             <sshPrnamt>140</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>140</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SHELL PLC</nameOfIssuer>
         <titleOfClass>SPON ADS</titleOfClass>
         <cusip>780259305</cusip>
         <value>18169</value>
         <shrsOrPrnAmt>
             <sshPrnamt>254</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>254</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
         <titleOfClass>COM</titleOfClass>
         <cusip>78409V104</cusip>
         <value>46724</value>
         <shrsOrPrnAmt>
             <sshPrnamt>96</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>96</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
         <titleOfClass>GOLD SHS</titleOfClass>
         <cusip>78463V107</cusip>
         <value>52790139</value>
         <shrsOrPrnAmt>
             <sshPrnamt>148508</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>137434</Sole>
             <Shared>0</Shared>
             <None>11074</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
         <cusip>78468R663</cusip>
         <value>8528254</value>
         <shrsOrPrnAmt>
             <sshPrnamt>92951</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>90513</Sole>
             <Shared>0</Shared>
             <None>2438</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>NUVEEN ICE MUNIC</titleOfClass>
         <cusip>78468R721</cusip>
         <value>5670184</value>
         <shrsOrPrnAmt>
             <sshPrnamt>124428</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>115295</Sole>
             <Shared>0</Shared>
             <None>9133</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
         <titleOfClass>NUVEEN ICE SHORT</titleOfClass>
         <cusip>78468R739</cusip>
         <value>3534912</value>
         <shrsOrPrnAmt>
             <sshPrnamt>73308</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>67943</Sole>
             <Shared>0</Shared>
             <None>5365</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SAP SE</nameOfIssuer>
         <titleOfClass>SPON ADR</titleOfClass>
         <cusip>803054204</cusip>
         <value>21377</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>SCHLUMBERGER LTD</nameOfIssuer>
         <titleOfClass>COM STK</titleOfClass>
         <cusip>806857108</cusip>
         <value>10002</value>
         <shrsOrPrnAmt>
             <sshPrnamt>291</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>291</Sole>
             <Shared>0</Shared>
             <None>0</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI MATERIALS</titleOfClass>
         <cusip>81369Y100</cusip>
         <value>4660</value>
         <shrsOrPrnAmt>
             <sshPrnamt>52</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>0</Sole>
             <Shared>0</Shared>
             <None>52</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI HEALTHCARE</titleOfClass>
         <cusip>81369Y209</cusip>
         <value>8330428</value>
         <shrsOrPrnAmt>
             <sshPrnamt>59858</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>54779</Sole>
             <Shared>0</Shared>
             <None>5079</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS STPLS</titleOfClass>
         <cusip>81369Y308</cusip>
         <value>5343724</value>
         <shrsOrPrnAmt>
             <sshPrnamt>68186</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>62533</Sole>
             <Shared>0</Shared>
             <None>5653</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>SBI CONS DISCR</titleOfClass>
         <cusip>81369Y407</cusip>
         <value>16576397</value>
         <shrsOrPrnAmt>
             <sshPrnamt>69172</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>63356</Sole>
             <Shared>0</Shared>
             <None>5816</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>ENERGY</titleOfClass>
         <cusip>81369Y506</cusip>
         <value>3316658</value>
         <shrsOrPrnAmt>
             <sshPrnamt>37124</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>34060</Sole>
             <Shared>0</Shared>
             <None>3064</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>FINANCIAL</titleOfClass>
         <cusip>81369Y605</cusip>
         <value>18341475</value>
         <shrsOrPrnAmt>
             <sshPrnamt>340477</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>312823</Sole>
             <Shared>0</Shared>
             <None>27654</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>INDL</titleOfClass>
         <cusip>81369Y704</cusip>
         <value>5971047</value>
         <shrsOrPrnAmt>
             <sshPrnamt>38715</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>35110</Sole>
             <Shared>0</Shared>
             <None>3605</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>TECHNOLOGY</titleOfClass>
         <cusip>81369Y803</cusip>
         <value>42941145</value>
         <shrsOrPrnAmt>
             <sshPrnamt>152349</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
         <investmentDiscretion>DFND</investmentDiscretion>
         <otherManager>7</otherManager>
         <votingAuthority>
             <Sole>139942</Sole>
             <Shared>0</Shared>
             <None>12407</None>
         </votingAuthority>
     </infoTable>
     <infoTable>
         <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
         <titleOfClass>COMMUNICATION</titleOfClass>
         <cusip>81369Y852</cusip>
         <value>12323737</value>
         <shrsOrPrnAmt>
             <sshPrnamt>104112</sshPrnamt>
             <sshPrnamtType>SH</sshPrnamtType>
         </shrsOrPrnAmt>
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