<SEC-DOCUMENT>0001104659-24-057319.txt : 20240506
<SEC-HEADER>0001104659-24-057319.hdr.sgml : 20240506
<ACCEPTANCE-DATETIME>20240506123635
ACCESSION NUMBER:		0001104659-24-057319
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240331
FILED AS OF DATE:		20240506
DATE AS OF CHANGE:		20240506
EFFECTIVENESS DATE:		20240506

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			SouthState Corp
		CENTRAL INDEX KEY:			0000764038
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				570799315
		STATE OF INCORPORATION:			SC
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-14854
		FILM NUMBER:		24916611

	BUSINESS ADDRESS:	
		STREET 1:		1101 FIRST STREET SOUTH, SUITE 202
		CITY:			WINTER HAVEN
		STATE:			FL
		ZIP:			33880
		BUSINESS PHONE:		8632934710

	MAIL ADDRESS:	
		STREET 1:		1101 FIRST STREET SOUTH, SUITE 202
		CITY:			WINTER HAVEN
		STATE:			FL
		ZIP:			33880

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SOUTH STATE Corp
		DATE OF NAME CHANGE:	20140630

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FIRST FINANCIAL HOLDINGS, INC.
		DATE OF NAME CHANGE:	20130729

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	SCBT FINANCIAL CORP
		DATE OF NAME CHANGE:	20040227
</SEC-HEADER>
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          <ns1:zipCode>33880</ns1:zipCode>
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    <signatureBlock>
      <name>William E. Matthews, V</name>
      <title>Senior Executive Vice President, CFO</title>
      <phone>863-293-4710</phone>
      <signature>/s/ William E. Matthews, V</signature>
      <city>Winter Haven</city>
      <stateOrCountry>FL</stateOrCountry>
      <signatureDate>05-06-2024</signatureDate>
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      <sshPrnamt>220</sshPrnamt>
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    <nameOfIssuer>Booz Allen Hamilton Holding Co</nameOfIssuer>
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      <sshPrnamt>270</sshPrnamt>
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      <sshPrnamt>217</sshPrnamt>
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      <sshPrnamt>240</sshPrnamt>
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    <nameOfIssuer>Cadence Design Systems, Inc.</nameOfIssuer>
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    <nameOfIssuer>Casella Waste Systems Inc Cl A</nameOfIssuer>
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    <nameOfIssuer>Cava Group Inc Com</nameOfIssuer>
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    <nameOfIssuer>Cemex Sab De Cv Sponsored ADR</nameOfIssuer>
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    <nameOfIssuer>Ishares Barclays 1-3 Year Tr E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287457</cusip>
    <value>17922905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219160</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>219160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Ishares Barclays 1-3 Year Tr E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287457</cusip>
    <value>169694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2075</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>2075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Ishares Msci Eafe ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>1464792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18342</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18342</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ishares Russell Midcap Value E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>193384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1543</sshPrnamt>
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    <votingAuthority>
      <Sole>1543</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Russell Midcap Grwth E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>706298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6188</sshPrnamt>
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      <Sole>6188</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Russell Midcap ETF</nameOfIssuer>
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    <cusip>464287499</cusip>
    <value>2670446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31757</sshPrnamt>
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      <Sole>31757</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Core S&amp;P Mid-Cap ETF</nameOfIssuer>
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    <cusip>464287507</cusip>
    <value>670327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11036</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Ishares Core S&amp;P Mid-Cap ETF</nameOfIssuer>
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    <cusip>464287507</cusip>
    <value>407262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6705</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6705</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ishares Tr Semiconductor ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287523</cusip>
    <value>21688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>96</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ishares Biotechnology ETF</nameOfIssuer>
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    <cusip>464287556</cusip>
    <value>11252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
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    <votingAuthority>
      <Sole>82</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ishares Tr Us Consum Discre</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287580</cusip>
    <value>26230</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Ishares Russell 1000 Value ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>949462</value>
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      <sshPrnamt>5301</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>5301</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ishares S&amp;P Midcap 400/Grwth E</nameOfIssuer>
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    <cusip>464287606</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>7036</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ishares Russell 1000 Growth ET</nameOfIssuer>
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      <sshPrnamt>4736</sshPrnamt>
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      <Sole>4736</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ishares Russell 1000 ETF</nameOfIssuer>
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    <cusip>464287622</cusip>
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      <sshPrnamt>446</sshPrnamt>
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    <votingAuthority>
      <Sole>446</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Russell 2000 Value ETF</nameOfIssuer>
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    <cusip>464287630</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>550</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ishares Russell 2000 Value ETF</nameOfIssuer>
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    <cusip>464287630</cusip>
    <value>23980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>151</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Russell 2000 Growth ET</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
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      <Sole>150</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Russell 2000 ETF</nameOfIssuer>
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    <cusip>464287655</cusip>
    <value>400622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>1905</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Russell 2000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>178124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>847</sshPrnamt>
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    <votingAuthority>
      <Sole>672</Sole>
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      <None>175</None>
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  <infoTable>
    <nameOfIssuer>Ishares Tr Core S&amp;P Us Vlu</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287663</cusip>
    <value>6964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>77</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Tr Core S&amp;P US Growth</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287671</cusip>
    <value>73608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>628</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>628</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Tr Core S&amp;P US Growth</nameOfIssuer>
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    <cusip>464287671</cusip>
    <value>22270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>190</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Tr Russell 3000 Etf</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287689</cusip>
    <value>515237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1717</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1437</Sole>
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      <None>280</None>
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  <infoTable>
    <nameOfIssuer>Ishares Tr U.S. Utilits Etf</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
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    <value>12678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
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      <Sole>150</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares S&amp;P Midcap 400/Value E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>407509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3445</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3445</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Tr U.S. Tech Etf</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287721</cusip>
    <value>43219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>320</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Tr Us Industrials</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287754</cusip>
    <value>20114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Tr Us Hlthcare Etf</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287762</cusip>
    <value>7119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>iShares US Energy ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287796</cusip>
    <value>6076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>123</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>iShares US Energy ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
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    <value>5681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ishares Core S&amp;P Small-Cap ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>1084975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9817</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9817</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ishares Core S&amp;P Small-Cap ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>104441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>945</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>945</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ishares Tr Us Consm Staples</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287812</cusip>
    <value>30433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ishares Tr U.S. Bas Mtl Etf</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287838</cusip>
    <value>4432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ishares S&amp;P Smallcap 600/Val E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>297490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2895</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ishares S&amp;P Smallcap/600 Growt</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287887</cusip>
    <value>173217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1325</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ishares Tr Shrt Nat Mun Etf</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>56345</value>
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    <nameOfIssuer>Ishares Tr Grwt Allocat Etf</nameOfIssuer>
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      <Sole>390</Sole>
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    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
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    <value>31638</value>
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      <sshPrnamt>29</sshPrnamt>
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    <nameOfIssuer>Kimberly-Clark Corp</nameOfIssuer>
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      <sshPrnamt>2047</sshPrnamt>
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    <nameOfIssuer>Knight-Swift Transportation Ho</nameOfIssuer>
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      <sshPrnamt>22</sshPrnamt>
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      <Sole>25</Sole>
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      <sshPrnamt>40550</sshPrnamt>
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      <sshPrnamt>120</sshPrnamt>
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      <sshPrnamt>41</sshPrnamt>
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      <sshPrnamt>14</sshPrnamt>
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      <sshPrnamt>240</sshPrnamt>
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      <sshPrnamt>306</sshPrnamt>
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  <infoTable>
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    <nameOfIssuer>Resmed Inc Com</nameOfIssuer>
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    <nameOfIssuer>Ross Stores Inc Com</nameOfIssuer>
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    <nameOfIssuer>San Juan Basin Rty Tr Unit Ben Int</nameOfIssuer>
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    <nameOfIssuer>Schwab Strategic Tr Us Lrg Cap Etf</nameOfIssuer>
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    <nameOfIssuer>Vanguard Short Term Bond ETF</nameOfIssuer>
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    <nameOfIssuer>Vanguard Total Bond Market ETF</nameOfIssuer>
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    <nameOfIssuer>Vanguard Total Bond Market ETF</nameOfIssuer>
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    <nameOfIssuer>Vanguard Ftse Developed Market</nameOfIssuer>
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    <nameOfIssuer>Vanguard High Dvd Yield ETF</nameOfIssuer>
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    <nameOfIssuer>Vanguard Malvern Fds Strm Infproidx</nameOfIssuer>
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    <titleOfClass>ETF</titleOfClass>
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    <nameOfIssuer>Veeva Sys Inc Cl A Com</nameOfIssuer>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>ETF</titleOfClass>
    <cusip>922908611</cusip>
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    <nameOfIssuer>Vanguard Value ETF</nameOfIssuer>
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      <sshPrnamt>6812</sshPrnamt>
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    <nameOfIssuer>Vanguard Small-Cap ETF</nameOfIssuer>
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      <sshPrnamt>289</sshPrnamt>
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      <Sole>289</Sole>
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      <None>0</None>
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    <nameOfIssuer>Vanguard Total Stck Mk ETF</nameOfIssuer>
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      <Sole>6700</Sole>
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    <nameOfIssuer>Vanguard Total Stck Mk ETF</nameOfIssuer>
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    <cusip>922908769</cusip>
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      <sshPrnamt>2340</sshPrnamt>
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    <nameOfIssuer>Vulcan Materials Co</nameOfIssuer>
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    <nameOfIssuer>WSFS Financial Corp Com</nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>Warner Music Group Corp</nameOfIssuer>
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  <infoTable>
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  <infoTable>
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    <value>15215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>156</Sole>
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  <infoTable>
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      <sshPrnamt>3461</sshPrnamt>
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      <Sole>3421</Sole>
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  <infoTable>
    <nameOfIssuer>Quanta Services Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>4676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
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      <Sole>18</Sole>
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    <nameOfIssuer>Invesco Qqq Trust Series 1</nameOfIssuer>
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      <sshPrnamt>6475</sshPrnamt>
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      <sshPrnamt>197</sshPrnamt>
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      <Sole>197</Sole>
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    <nameOfIssuer>AmerisourceBergen Corp Com</nameOfIssuer>
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      <sshPrnamt>15</sshPrnamt>
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    <nameOfIssuer>First Tr Exchange-Traded Fd Ca</nameOfIssuer>
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      <sshPrnamt>98</sshPrnamt>
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      <Sole>98</Sole>
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      <None>0</None>
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    <nameOfIssuer>American Eagle Outfitters Inc.</nameOfIssuer>
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    <cusip>02553E106</cusip>
    <value>1625</value>
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      <sshPrnamt>63</sshPrnamt>
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      <Sole>63</Sole>
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      <None>0</None>
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    <nameOfIssuer>Target Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>87612E106</cusip>
    <value>529149</value>
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      <sshPrnamt>2986</sshPrnamt>
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      <Sole>2986</Sole>
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    <nameOfIssuer>Target Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>87612E106</cusip>
    <value>10633</value>
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      <sshPrnamt>60</sshPrnamt>
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      <Sole>60</Sole>
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      <None>0</None>
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    <nameOfIssuer>Renasant Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>75970E107</cusip>
    <value>876960</value>
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      <sshPrnamt>28000</sshPrnamt>
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      <Sole>28000</Sole>
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    <nameOfIssuer>Fortinet Inc Com</nameOfIssuer>
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      <sshPrnamt>1471</sshPrnamt>
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      <Sole>1471</Sole>
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    <nameOfIssuer>Travelers Companies Inc</nameOfIssuer>
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      <sshPrnamt>1836</sshPrnamt>
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      <sshPrnamt>403</sshPrnamt>
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    <nameOfIssuer>AES Corp Com</nameOfIssuer>
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      <sshPrnamt>105</sshPrnamt>
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      <Sole>105</Sole>
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      <None>0</None>
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    <nameOfIssuer>AT &amp; T Inc</nameOfIssuer>
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    <cusip>00206R102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>16794</sshPrnamt>
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      <Sole>16794</Sole>
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  <infoTable>
    <nameOfIssuer>AT &amp; T Inc</nameOfIssuer>
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      <sshPrnamt>973</sshPrnamt>
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      <None>973</None>
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  <infoTable>
    <nameOfIssuer>Abbvie Inc</nameOfIssuer>
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      <sshPrnamt>65735</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>321</sshPrnamt>
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    <nameOfIssuer>Abbvie Inc</nameOfIssuer>
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    <nameOfIssuer>Aberdeen Standard Physical Gol</nameOfIssuer>
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    <nameOfIssuer>Acuity Brands, Inc.</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>Adobe Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00724F101</cusip>
    <value>34817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>Adobe Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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      <sshPrnamt>6384</sshPrnamt>
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    <nameOfIssuer>Agilent Technologies Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00846U101</cusip>
    <value>133724</value>
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      <sshPrnamt>919</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>Agilent Technologies Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00846U101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>656</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>Akamai Technologies Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>00971T101</cusip>
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      <sshPrnamt>262</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>Alibaba Group Holding Ltd Spon</nameOfIssuer>
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      <sshPrnamt>60</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>Alnylam Pharmaceuticals Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02043Q107</cusip>
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      <sshPrnamt>6</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>Alphabet Inc Cl C</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>Alphabet Inc Cl C</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02079K107</cusip>
    <value>60904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>Alphabet Inc Cl C</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02079K107</cusip>
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  <infoTable>
    <nameOfIssuer>Alphabet Inc Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02079K305</cusip>
    <value>3970365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26306</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>Alphabet Inc Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02079K305</cusip>
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      <sshPrnamt>38703</sshPrnamt>
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    <nameOfIssuer>Altaba Inc Escrow</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>021ESC017</cusip>
    <value>713</value>
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      <sshPrnamt>100</sshPrnamt>
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    <titleOfClass>Com</titleOfClass>
    <cusip>02209S103</cusip>
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      <sshPrnamt>38866</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>Altria Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02209S103</cusip>
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      <sshPrnamt>2145</sshPrnamt>
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    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1875</Sole>
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  <infoTable>
    <nameOfIssuer>Kinetik Holdings Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>02215L209</cusip>
    <value>5183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>American Tower Corp REIT</nameOfIssuer>
    <titleOfClass>Other</titleOfClass>
    <cusip>03027X100</cusip>
    <value>66588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>337</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>American Tower Corp REIT</nameOfIssuer>
    <titleOfClass>Other</titleOfClass>
    <cusip>03027X100</cusip>
    <value>1383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>7</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Anheuser-Busch Inbev Spons ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>03524A108</cusip>
    <value>4559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>75</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ansys Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>03662Q105</cusip>
    <value>74292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>214</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Apollo Global Mgmt Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>03769M106</cusip>
    <value>224900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>2000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Archer Aviation Inc Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>03945R102</cusip>
    <value>1848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ares Mgmt L P/ut Ltd Partn Int</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>03990B101</cusip>
    <value>3325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>25</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Ares Capital Corp Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>04010L103</cusip>
    <value>104100</value>
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      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>5000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Atlantic Union Bankshares Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>04911A107</cusip>
    <value>153069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BJ's Wholesale Club Holdings I</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>05550J101</cusip>
    <value>1740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BWX Technologies Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>05605H100</cusip>
    <value>25655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>250</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Baker Hughes CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>05722G100</cusip>
    <value>32328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>965</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Bio-Techne Corp Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09073M104</cusip>
    <value>44768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>636</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Blackbaud Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09227Q100</cusip>
    <value>45522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>614</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Blackrock Inc Class A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09247X101</cusip>
    <value>271786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>326</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Blackrock Mun Inc Trust II</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09249N101</cusip>
    <value>10849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>999</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Blackstone Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09260D107</cusip>
    <value>388724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2959</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Blackstone Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09260D107</cusip>
    <value>42170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>321</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Blink Charging CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>09354A100</cusip>
    <value>2107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>700</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Brighthouse Finl Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>10922N103</cusip>
    <value>2371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>46</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Broadcom Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>11135F101</cusip>
    <value>25620175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19330</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>19330</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Broadcom Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>11135F101</cusip>
    <value>63620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>48</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Broadcom Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>11135F101</cusip>
    <value>7694005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5805</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5162</Sole>
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  <infoTable>
    <nameOfIssuer>Byrna Technologies Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12448X201</cusip>
    <value>1393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>C &amp; F Financial Corporation</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12466Q104</cusip>
    <value>19796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>404</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cbre Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12504L109</cusip>
    <value>34034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>350</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CDW Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>12514G108</cusip>
    <value>4860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>19</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Caesars Entertainment Inc</nameOfIssuer>
    <titleOfClass>Pfd Stk</titleOfClass>
    <cusip>12769G100</cusip>
    <value>962</value>
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      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>22</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Callon Pete Co Del Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>13123X508</cusip>
    <value>10728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Canadian Pacific Kansas City A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>13646K108</cusip>
    <value>17634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Capital Group Dividend Value E</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14020W106</cusip>
    <value>25025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>770</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Capital Group Dividend Value S</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14020X104</cusip>
    <value>10224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>355</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Capital One Financial</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14040H105</cusip>
    <value>609556</value>
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      <sshPrnamt>4094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4094</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Capital One Financial</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14040H105</cusip>
    <value>25460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>171</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>1790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>16</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>101046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>903</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Cardiol Therapeutics Inc Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14161Y200</cusip>
    <value>1810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Carrier Global Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14448C104</cusip>
    <value>192992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Carrier Global Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>14448C104</cusip>
    <value>224324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>3859</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Celsius Holdings Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>15118V207</cusip>
    <value>2239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Centene Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>15135B101</cusip>
    <value>3035528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>38679</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Centene Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>15135B101</cusip>
    <value>9810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Centene Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>15135B101</cusip>
    <value>57840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>737</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cenovus Energy Inc ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>15135U109</cusip>
    <value>10355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>518</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chaparral Energy Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>15942R133</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chaparral Energy Inc Wt</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>15942R141</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chargepoint Holdings Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>15961R105</cusip>
    <value>741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Charter Communications Inc Cl</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>16119P108</cusip>
    <value>350790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1207</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Charter Communications Inc Cl</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>16119P108</cusip>
    <value>18019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>62</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cheniere Energy Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>16411R208</cusip>
    <value>1300562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8064</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cheniere Energy Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>16411R208</cusip>
    <value>1872622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>9558</Sole>
      <Shared>0</Shared>
      <None>2053</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>17275R102</cusip>
    <value>6626900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>132777</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Cisco Systems Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>17275R102</cusip>
    <value>731132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>13376</Sole>
      <Shared>0</Shared>
      <None>1273</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Citigroup Inc Tier 1 Preferred</nameOfIssuer>
    <titleOfClass>Pfd Stk</titleOfClass>
    <cusip>172967MK4</cusip>
    <value>19500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Civitas Resources Inc Com New</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>17888H103</cusip>
    <value>151820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Coinbase Global Inc Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>19260Q107</cusip>
    <value>14582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Coinbase Global Inc Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>19260Q107</cusip>
    <value>6893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Comcast Corp-Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20030N101</cusip>
    <value>1487945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34324</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Comcast Corp-Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20030N101</cusip>
    <value>2396908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>48399</Sole>
      <Shared>0</Shared>
      <None>6893</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Conocophillips</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20825C104</cusip>
    <value>306490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2408</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Conocophillips</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>20825C104</cusip>
    <value>282562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1877</Sole>
      <Shared>0</Shared>
      <None>343</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Constellation Brands Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>21036P108</cusip>
    <value>4865863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17905</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Constellation Brands Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>21036P108</cusip>
    <value>2774670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>8610</Sole>
      <Shared>0</Shared>
      <None>1600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Constellation Energy Corporati</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>21037T109</cusip>
    <value>6100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Corteva Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22052L104</cusip>
    <value>370299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6421</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Costco Whsl Corp New</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22160K105</cusip>
    <value>10579910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14441</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Costco Whsl Corp New</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22160K105</cusip>
    <value>7450847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>9228</Sole>
      <Shared>0</Shared>
      <None>942</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Costar Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22160N109</cusip>
    <value>6279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Costar Group Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22160N109</cusip>
    <value>100947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1045</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Crowdstrike Holdings Inc Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22788C105</cusip>
    <value>118298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>369</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Crown Castle Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22822V101</cusip>
    <value>1147938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Crown Castle Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>22822V101</cusip>
    <value>29103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Destra Multi-Alternative Fd</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>25065A502</cusip>
    <value>8031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1027</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Devon Energy</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>25179M103</cusip>
    <value>11040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Diageo PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>465407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Diageo PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>25243Q205</cusip>
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    <nameOfIssuer>Dolby Laboratories Inc Com Cl A</nameOfIssuer>
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      <sshPrnamt>18102</sshPrnamt>
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    <nameOfIssuer>Draftkings Inc New Cl A</nameOfIssuer>
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      <sshPrnamt>45886</sshPrnamt>
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    <nameOfIssuer>Eog Res Inc</nameOfIssuer>
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      <sshPrnamt>395</sshPrnamt>
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    <nameOfIssuer>Elanco Animal Health Inc</nameOfIssuer>
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      <sshPrnamt>515</sshPrnamt>
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    <nameOfIssuer>Embecta Corp</nameOfIssuer>
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    <nameOfIssuer>Aspen Technology Inc Com</nameOfIssuer>
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      <sshPrnamt>2287</sshPrnamt>
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    <nameOfIssuer>Endeavor Group Holdings Inc</nameOfIssuer>
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      <sshPrnamt>533</sshPrnamt>
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    <nameOfIssuer>Energy Transfer LP</nameOfIssuer>
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    <nameOfIssuer>First Tr IV Enh New ETF</nameOfIssuer>
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    <nameOfIssuer>Mongodb Inc Cl A</nameOfIssuer>
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    <cusip>60937P106</cusip>
    <value>5380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Moneylion Inc Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>60938K304</cusip>
    <value>2354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Monster Beverage Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>61174X109</cusip>
    <value>77064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>The Mosaic Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>61945C103</cusip>
    <value>1540162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>47448</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>The Mosaic Company</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>61945C103</cusip>
    <value>13796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>425</Sole>
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      <None>0</None>
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    <nameOfIssuer>Nio Inc Sponsored ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>62914V106</cusip>
    <value>3569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>793</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Netflix Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>64110L106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>167</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Netflix Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>64110L106</cusip>
    <value>83204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>137</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Nextera Energy Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>8832490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>138202</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Nextera Energy Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>65339F101</cusip>
    <value>175561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>2747</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Nextera Energy Partners LP</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>65341B106</cusip>
    <value>3610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>120</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Nextera Energy Partners LP</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>65341B106</cusip>
    <value>9656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>321</Sole>
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      <None>0</None>
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    <nameOfIssuer>Novartis Ag Sponsored ADR</nameOfIssuer>
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      <sshPrnamt>10730</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>10730</Sole>
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      <None>0</None>
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    <nameOfIssuer>Novartis Ag Sponsored ADR</nameOfIssuer>
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    <value>20797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>215</Sole>
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      <None>0</None>
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    <nameOfIssuer>Novartis Ag Sponsored ADR</nameOfIssuer>
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    <value>3869</value>
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      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>Nvidia Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>67066G104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1897</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1897</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Nvidia Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>67066G104</cusip>
    <value>404795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Nutrien Ltd ADR</nameOfIssuer>
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    <cusip>67077M108</cusip>
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      <sshPrnamt>342</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>342</Sole>
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    <nameOfIssuer>Nuscale Power Corporation</nameOfIssuer>
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      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>300</Sole>
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      <None>0</None>
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    <nameOfIssuer>Nushares Tr Nuveen Esg Mid Vl</nameOfIssuer>
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      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
    <nameOfIssuer>O Reilly Automotive Inc</nameOfIssuer>
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      <sshPrnamt>4</sshPrnamt>
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    <nameOfIssuer>Ocugen Inc Com</nameOfIssuer>
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      <sshPrnamt>7000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>7000</Sole>
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      <None>0</None>
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    <nameOfIssuer>Oracle Corporation Com</nameOfIssuer>
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      <sshPrnamt>113633</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Oracle Corporation Com</nameOfIssuer>
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    <cusip>68389X105</cusip>
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      <sshPrnamt>236</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>236</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Oracle Corporation Com</nameOfIssuer>
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      <sshPrnamt>32731</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>29072</Sole>
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      <None>3659</None>
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  <infoTable>
    <nameOfIssuer>Organon &amp; CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>68622V106</cusip>
    <value>884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>47</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Organon &amp; CO</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Otis Worldwide Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>68902V107</cusip>
    <value>92420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>931</Sole>
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  <infoTable>
    <nameOfIssuer>Otis Worldwide Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>68902V107</cusip>
    <value>196455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1979</Sole>
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    <nameOfIssuer>Ovintiv Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>69047Q102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>PBF Energy Inc Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>69318G106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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      <sshPrnamt>424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>424</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <sshPrnamt>5000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Palantir Technologies Inc Cl A</nameOfIssuer>
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    <cusip>69608A108</cusip>
    <value>4326</value>
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      <sshPrnamt>188</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>188</Sole>
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    </votingAuthority>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>70432V102</cusip>
    <value>38409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>193</Sole>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>37696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>37696</Sole>
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  <infoTable>
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      <sshPrnamt>1912</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>1912</Sole>
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  <infoTable>
    <nameOfIssuer>PIMCO Corporate &amp; Income Opp</nameOfIssuer>
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      <sshPrnamt>1390</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1390</Sole>
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      <None>0</None>
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    <nameOfIssuer>Pool Corporation Com</nameOfIssuer>
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    <nameOfIssuer>Price T Rowe Group Inc</nameOfIssuer>
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    <nameOfIssuer>ProShares DJ Brookfield Glbl I</nameOfIssuer>
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    <nameOfIssuer>Qualys Inc Com</nameOfIssuer>
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      <sshPrnamt>514</sshPrnamt>
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    <nameOfIssuer>Rbc Bearings Inc Com</nameOfIssuer>
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      <sshPrnamt>341</sshPrnamt>
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    <nameOfIssuer>Rivian Automotive Inc Com Cl A</nameOfIssuer>
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      <sshPrnamt>102</sshPrnamt>
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    <nameOfIssuer>Sps Comm Inc Com</nameOfIssuer>
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    <nameOfIssuer>SPDR Ser Tr Portfolio Intrmd E</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>105</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>11</sshPrnamt>
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      <sshPrnamt>108</sshPrnamt>
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    <nameOfIssuer>Consumer Discretionary Selt</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>76866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Consumer Discretionary Selt</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>50754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>276</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Energy Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1871017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Energy Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>23508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Financial Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>679901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Financial Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>20681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>491</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Industrial Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>127849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Industrial Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>21917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Technology Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>205146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>985</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Technology Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>70604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Select Sector Spdr Tr Communication</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>9391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Utilities Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>47662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>726</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Utilities Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>8863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Senseonics Hldgs Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81727U105</cusip>
    <value>531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Servicenow Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81762P102</cusip>
    <value>14951426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Servicenow Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81762P102</cusip>
    <value>65566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Servicenow Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>81762P102</cusip>
    <value>64042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Silverbow Resources Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>82836G102</cusip>
    <value>17070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Snap Inc Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>83304A106</cusip>
    <value>3846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Snap Inc Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>83304A106</cusip>
    <value>166230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sprott Physical Gold Trust</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>85207H104</cusip>
    <value>33229131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1920759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1920759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Sprott Physical Gold Trust</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>85207H104</cusip>
    <value>105963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6125</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Sprott Physical Gold Trust</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>85207H104</cusip>
    <value>1099415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>63550</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Sprott Physical Silver Trust</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>85207K107</cusip>
    <value>1463284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>176512</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Sprott Physical Silver Trust</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>85207K107</cusip>
    <value>13886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1675</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Sprott Physical Silver Trust</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>85207K107</cusip>
    <value>9119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Sprott Physical Gold &amp; Silve Tr Unit</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>85208R101</cusip>
    <value>418516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>20576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TPI Composites Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>87266J104</cusip>
    <value>582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Teladoc Health Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>87918A105</cusip>
    <value>1208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Tesla Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88160R101</cusip>
    <value>292866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1666</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Tesla Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88160R101</cusip>
    <value>14415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>57</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>3M Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>583067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5497</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>42428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Towne Bank</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>89214P109</cusip>
    <value>64987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2316</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Truist Financial Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>857014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21986</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Truist Financial Corp</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>39292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>640</Sole>
      <Shared>0</Shared>
      <None>368</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Twilio Inc Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>90138F102</cusip>
    <value>11802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Uber Technologies Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>90353T100</cusip>
    <value>6005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Ulta Beauty Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>90384S303</cusip>
    <value>3897548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7454</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Ulta Beauty Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>90384S303</cusip>
    <value>31896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Unitedhealth Group Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>91324P102</cusip>
    <value>3695904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7471</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Unitedhealth Group Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>91324P102</cusip>
    <value>102898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Voc Energy Tr Unit</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>91829B103</cusip>
    <value>4695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>776</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Valero Energy Corp Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>88759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vaneck Vectors Gold Miners ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>7905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vaneck Vectors Gold Miners ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>33201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vaneck JP Morgan Emerging Mark</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189H300</cusip>
    <value>5539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vaneck Trust Rare Earth ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189H805</cusip>
    <value>11967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Total International</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>100446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2042</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard World Fd Consum Dis Etf</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>25418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>80</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard World Fd Consum Stp Etf</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>6532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Financials ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>102390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Financials ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>9215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Health Care ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>28405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Health Care ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>21912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>81</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Industrials ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>10987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Industrials ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>10987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Info Tech ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>622392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1187</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Info Tech ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>76029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard World Fd Materials Etf</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A801</cusip>
    <value>5111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Short Term Corp Bond</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C409</cusip>
    <value>538696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6968</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Short Term Corp Bond</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C409</cusip>
    <value>8878513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>104404</Sole>
      <Shared>0</Shared>
      <None>10439</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Scotts/vanguard Russe</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C664</cusip>
    <value>851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Scottsdale Fds Inter Term Treas</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C706</cusip>
    <value>59662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1019</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard Scottsdale Fds Int-Term Corp</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C870</cusip>
    <value>539336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>5283</Sole>
      <Shared>0</Shared>
      <None>1416</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Veralto Corp Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92338C103</cusip>
    <value>14718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Veralto Corp Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92338C103</cusip>
    <value>53816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>564</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92343V104</cusip>
    <value>3189128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>76004</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92343V104</cusip>
    <value>100662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1782</Sole>
      <Shared>0</Shared>
      <None>617</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Verisk Analytic Cl B</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>6365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vertex Pharmaceuticals Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92532F100</cusip>
    <value>836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vertiv Holdings Cl A</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92537N108</cusip>
    <value>2695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Viatris Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92556V106</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>0</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Village Bank And Trust Finl Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92705T200</cusip>
    <value>108673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2557</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Visa Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92826C839</cusip>
    <value>20961978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>75111</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Visa Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92826C839</cusip>
    <value>27908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Visa Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92826C839</cusip>
    <value>312290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1119</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>1069</Sole>
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      <None>50</None>
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    <nameOfIssuer>Wp Carey Inc REIT</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92936U109</cusip>
    <value>70211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1244</Sole>
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      <None>0</None>
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    <nameOfIssuer>Walker &amp; Dunlop Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>93148P102</cusip>
    <value>20212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Waste Connections Inc ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>94106B101</cusip>
    <value>15825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>92</Sole>
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      <None>0</None>
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    <nameOfIssuer>Waste Mgmt Inc Del</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>94106L109</cusip>
    <value>1114135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>5227</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Waste Mgmt Inc Del</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>94106L109</cusip>
    <value>21315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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    <nameOfIssuer>Western Asset High Income Op Com</nameOfIssuer>
    <titleOfClass>Other</titleOfClass>
    <cusip>95766K109</cusip>
    <value>1271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>326</Sole>
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      <None>0</None>
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    <nameOfIssuer>Wisdomtree US Dividend Ex-Fina</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
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    <value>216181</value>
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      <sshPrnamt>2124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2124</Sole>
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      <None>0</None>
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    <nameOfIssuer>Wisdomtree US Midcap Dividend</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>97717W505</cusip>
    <value>571779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>11724</Sole>
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      <None>0</None>
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    <nameOfIssuer>Wisdomtree Tr US Smallcap Divi</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>97717W604</cusip>
    <value>15654</value>
    <shrsOrPrnAmt>
      <sshPrnamt>479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>479</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Workday Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98138H101</cusip>
    <value>5728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Xcel Energy Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98389B100</cusip>
    <value>229405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Xylem Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98419M100</cusip>
    <value>73667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>570</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Yum China Holdings Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98850P109</cusip>
    <value>15916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Zimmer Biomet Holdings Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98956P102</cusip>
    <value>3959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Zoetis Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98978V103</cusip>
    <value>10829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>64</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Zscaler Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98980G102</cusip>
    <value>1067941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5544</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Zscaler Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98980G102</cusip>
    <value>24079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Zscaler Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98980G102</cusip>
    <value>1641979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8524</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>7195</Sole>
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      <None>1329</None>
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  <infoTable>
    <nameOfIssuer>Euronav Nv Shs ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>B38564108</cusip>
    <value>19517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1177</Sole>
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      <None>0</None>
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    <nameOfIssuer>Amdocs Ltd Shs ADR</nameOfIssuer>
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    <cusip>G02602103</cusip>
    <value>9127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>101</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Aon PLC ADR</nameOfIssuer>
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    <cusip>G0403H108</cusip>
    <value>5006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>15</Sole>
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      <None>0</None>
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    <nameOfIssuer>Accenture PLC ADR</nameOfIssuer>
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    <cusip>G1151C101</cusip>
    <value>5503474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15878</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>15878</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Accenture PLC ADR</nameOfIssuer>
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    <cusip>G1151C101</cusip>
    <value>34661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Accenture PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>2774613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8005</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6861</Sole>
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      <None>1144</None>
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  <infoTable>
    <nameOfIssuer>Boor Drilling Ltd Shs ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G1466R173</cusip>
    <value>6379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Coca-Cola Europacific Partners</nameOfIssuer>
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    <cusip>G25839104</cusip>
    <value>3636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>51</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Eaton Corp PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G29183103</cusip>
    <value>722291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2310</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2310</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Eaton Corp PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G29183103</cusip>
    <value>17197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Ferguson PLC New ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G3421J106</cusip>
    <value>24027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>110</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Globalfoundries Ord Shares</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G39387108</cusip>
    <value>1199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Icon Plc Shs</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G4705A100</cusip>
    <value>123294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>367</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Linde Plc ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G54950103</cusip>
    <value>1037291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2234</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Medtronic PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>40438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>464</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Medtronic Plc Shs</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>23618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>271</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Norwegian Cruise Line Holdings</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G66721104</cusip>
    <value>34535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1650</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Paysafe Limited Shs ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G6964L206</cusip>
    <value>1437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>91</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Seagate Technology Hldngs Pl Ord Shs</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>93050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Pentair PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G7S00T104</cusip>
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