<SEC-DOCUMENT>0001104659-24-115618.txt : 20241108
<SEC-HEADER>0001104659-24-115618.hdr.sgml : 20241108
<ACCEPTANCE-DATETIME>20241108083530
ACCESSION NUMBER:		0001104659-24-115618
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240930
FILED AS OF DATE:		20241108
DATE AS OF CHANGE:		20241108
EFFECTIVENESS DATE:		20241108

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:		241438125

	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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      <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>
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      <stateOrCountry>FL</stateOrCountry>
      <signatureDate>11-08-2024</signatureDate>
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    <nameOfIssuer>Cadence Design Systems, Inc.</nameOfIssuer>
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      <sshPrnamt>1387</sshPrnamt>
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    <nameOfIssuer>Cemex Sab De Cv Sponsored ADR</nameOfIssuer>
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    <nameOfIssuer>Chipotle Mexican Grill Inc</nameOfIssuer>
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    <nameOfIssuer>Ishares Russell Midcap Value E</nameOfIssuer>
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      <sshPrnamt>7540</sshPrnamt>
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      <sshPrnamt>7036</sshPrnamt>
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  <infoTable>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>Ishares Russell 1000 Growth ET</nameOfIssuer>
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    <nameOfIssuer>Ishares Russell 1000 ETF</nameOfIssuer>
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    <cusip>464287622</cusip>
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      <sshPrnamt>370</sshPrnamt>
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    <nameOfIssuer>Ishares Russell 2000 Value ETF</nameOfIssuer>
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      <sshPrnamt>642</sshPrnamt>
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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>
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    <nameOfIssuer>Ishares Russell 2000 Growth ET</nameOfIssuer>
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    <cusip>464287655</cusip>
    <value>480436</value>
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    <cusip>464287655</cusip>
    <value>210287</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>Ishares Tr Core S&amp;P Us Vlu</nameOfIssuer>
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      <None>0</None>
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    <cusip>464287671</cusip>
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      <sshPrnamt>628</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Ishares Tr Russell 3000 Etf</nameOfIssuer>
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      <None>280</None>
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      <None>0</None>
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    <nameOfIssuer>Ishares S&amp;P Midcap 400/Value E</nameOfIssuer>
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    <nameOfIssuer>Ishares Tr U.S. Tech Etf</nameOfIssuer>
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    <nameOfIssuer>Ishares Tr Us Hlthcare Etf</nameOfIssuer>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>Ishares Core S&amp;P Small-Cap ETF</nameOfIssuer>
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    <cusip>464287804</cusip>
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      <sshPrnamt>47048</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Ishares Core S&amp;P Small-Cap ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287804</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1153</sshPrnamt>
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      <Sole>1153</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ishares Tr Us Consm Staples</nameOfIssuer>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Ishares Tr U.S. Bas Mtl Etf</nameOfIssuer>
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      <sshPrnamt>30</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Ishares S&amp;P Smallcap 600/Val E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287879</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2895</sshPrnamt>
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    <nameOfIssuer>Ishares S&amp;P Smallcap 600/Val E</nameOfIssuer>
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    <cusip>464287879</cusip>
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      <sshPrnamt>125</sshPrnamt>
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    <nameOfIssuer>Ishares S&amp;P Smallcap/600 Growt</nameOfIssuer>
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      <sshPrnamt>1325</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Ishares Tr Shrt Nat Mun Etf</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288158</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>477</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Ishares Global Timber &amp; Forest</nameOfIssuer>
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      <sshPrnamt>275</sshPrnamt>
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    <nameOfIssuer>iShares JPMorgan USD Emerging</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288281</cusip>
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      <sshPrnamt>52</sshPrnamt>
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    <nameOfIssuer>Ishares Tr Intl Div ETF</nameOfIssuer>
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    <cusip>464288448</cusip>
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      <None>0</None>
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    <nameOfIssuer>Ishares Tr Ishs 1-5Yr Invs</nameOfIssuer>
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      <None>13989</None>
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    <nameOfIssuer>Ishares Tr Short Treas Bd</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288679</cusip>
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      <Sole>64</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ishares Preferred &amp; Income Sec</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288687</cusip>
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      <sshPrnamt>7826</sshPrnamt>
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      <Sole>7826</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Preferred &amp; Income Sec</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288687</cusip>
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      <None>10484</None>
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    <nameOfIssuer>Ishares Msci Eafe Value ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
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      <Sole>24320</Sole>
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    <nameOfIssuer>Ishares Msci Eafe Value ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>Ishares Tr Eafe Growth ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288885</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>Ishares Tr Eafe Growth ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>ETF</titleOfClass>
    <cusip>464289420</cusip>
    <value>154250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1898</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Ishares Russell Top 200 Growth</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>929</Sole>
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    <nameOfIssuer>Charles Schwab Corp</nameOfIssuer>
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    <nameOfIssuer>Schwab Strategic Tr Intl Eqty Etf</nameOfIssuer>
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    <nameOfIssuer>Vanguard Index Fds Total Stk Mkt</nameOfIssuer>
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    <nameOfIssuer>Vulcan Materials Co</nameOfIssuer>
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    <nameOfIssuer>Western Midstream Partners Lp</nameOfIssuer>
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    <nameOfIssuer>Weyerhaeuser CO</nameOfIssuer>
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      <sshPrnamt>1375</sshPrnamt>
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    <nameOfIssuer>Wheaton Precious Metals Corp A</nameOfIssuer>
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      <sshPrnamt>195</sshPrnamt>
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    <nameOfIssuer>Whirlpool Corp Com</nameOfIssuer>
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      <sshPrnamt>275</sshPrnamt>
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      <sshPrnamt>731</sshPrnamt>
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  <infoTable>
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    <nameOfIssuer>Invesco Qqq Tr Unit Ser 1</nameOfIssuer>
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    <nameOfIssuer>Invesco Qqq Tr Unit Ser 1</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>Totalenergies SE ADR</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>American Tower Corp REIT</nameOfIssuer>
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      <sshPrnamt>321</sshPrnamt>
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      <sshPrnamt>1</sshPrnamt>
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      <sshPrnamt>194187</sshPrnamt>
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      <sshPrnamt>480</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>3021</sshPrnamt>
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    <otherManager>1</otherManager>
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    <nameOfIssuer>Diamondback Energy Inc Com</nameOfIssuer>
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      <sshPrnamt>191</sshPrnamt>
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      <sshPrnamt>42207</sshPrnamt>
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      <sshPrnamt>5270</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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    <nameOfIssuer>Duolingo Inc Cl A</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Dupont DE Nemours Inc</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>3120</sshPrnamt>
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    <otherManager>1</otherManager>
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      <None>0</None>
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    <nameOfIssuer>Eni Spa Spons ADR</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>45223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1492</sshPrnamt>
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    <nameOfIssuer>Eog Res Inc</nameOfIssuer>
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      <sshPrnamt>14268</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>14268</Sole>
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      <None>0</None>
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    <nameOfIssuer>Eog Res Inc</nameOfIssuer>
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    <cusip>26875P101</cusip>
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      <sshPrnamt>403</sshPrnamt>
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      <Sole>403</Sole>
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      <None>0</None>
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    <nameOfIssuer>Editas Medicine Inc</nameOfIssuer>
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    <cusip>28106W103</cusip>
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      <sshPrnamt>500</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Elanco Animal Health Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>28414H103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>515</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>515</Sole>
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      <None>0</None>
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    <nameOfIssuer>Embecta Corp</nameOfIssuer>
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    <cusip>29082K105</cusip>
    <value>353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Embecta Corp</nameOfIssuer>
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      <sshPrnamt>6</sshPrnamt>
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    <nameOfIssuer>Enbridge Incorporated ADR</nameOfIssuer>
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      <sshPrnamt>2287</sshPrnamt>
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    <nameOfIssuer>Endeavor Group Holdings Inc</nameOfIssuer>
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      <sshPrnamt>2000</sshPrnamt>
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    <nameOfIssuer>Energy Transfer LP</nameOfIssuer>
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      <sshPrnamt>2517</sshPrnamt>
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    <nameOfIssuer>Energy Transfer LP</nameOfIssuer>
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      <sshPrnamt>533</sshPrnamt>
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    <nameOfIssuer>Enphase Energy Inc Com</nameOfIssuer>
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      <sshPrnamt>800</sshPrnamt>
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    <nameOfIssuer>Vestis Corp Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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      <sshPrnamt>1000</sshPrnamt>
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    <nameOfIssuer>Equinox Gold Co</nameOfIssuer>
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    <cusip>29446Y502</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1315</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>Esperion Therapeutics Inc</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>314</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>Evaxion Biotech A/S Sponsored Ads</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>29970R204</cusip>
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      <sshPrnamt>4</sshPrnamt>
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    <nameOfIssuer>Eversource Energy</nameOfIssuer>
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    <nameOfIssuer>Evolv Technologies Hldngs Inc</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>Meta Platforms, Inc. Class A</nameOfIssuer>
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    <nameOfIssuer>Ferguson Enterprises Inc.</nameOfIssuer>
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    <nameOfIssuer>Fidelity Natl Information Svcs</nameOfIssuer>
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    <nameOfIssuer>First Citizens Bancshares Inc</nameOfIssuer>
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    <nameOfIssuer>First Trust Long/Short Equity</nameOfIssuer>
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      <Sole>21</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Spdr S&amp;P 500 Etf Tr Tr Unit</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78462F103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Spdr S&amp;P 500 Etf Tr Tr Unit</nameOfIssuer>
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    <cusip>78462F103</cusip>
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      <sshPrnamt>24877</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24877</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Spdr S&amp;P 500 Etf Tr Tr Unit</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>237537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <votingAuthority>
      <Sole>414</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Spdr Gold Tr Gold Shs</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463V107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
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      <None>144</None>
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  <infoTable>
    <nameOfIssuer>Spdr Gold Tr Gold Shs</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463V107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR Index Emg Mk ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463X509</cusip>
    <value>94325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2285</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR Index Shs S&amp;P Em Mkt Div</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463X533</cusip>
    <value>112370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2983</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR Dow Jones REIT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A607</cusip>
    <value>277285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2598</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P Dividend ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>42612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR Portfolio S&amp;P 400 Mid Cap</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A847</cusip>
    <value>282149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR Portfolio S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A854</cusip>
    <value>9384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR Djia Trust</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78467X109</cusip>
    <value>2200224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5200</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR Djia Trust</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78467X109</cusip>
    <value>3385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Spdr S&amp;P Midcap 400 Etf Tr Utser1 S&amp;Pdcrp</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>59814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Spdr S&amp;P Midcap 400 Etf Tr Utser1 S&amp;Pdcrp</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78467Y107</cusip>
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    <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>
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  <infoTable>
    <nameOfIssuer>SPDR Bloomberg High Yield Bond</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78468R622</cusip>
    <value>11735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Sage Therapeutics Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>78667J108</cusip>
    <value>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Salesforce Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>79466L302</cusip>
    <value>1369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Salesforce Inc.</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>79466L302</cusip>
    <value>4611192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16847</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Materials Select SPDR Fund</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>144570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Materials Select SPDR Fund</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>52334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Health Care Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>658590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4276</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Health Care Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>64996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Consumer Staples SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>72127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>869</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Consumer Staples SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>41666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>502</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Consumer Discretionary Selt</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>81951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Consumer Discretionary Selt</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>50093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Energy Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1709290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Energy Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>20545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Financial Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>692263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Financial Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>22252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>131648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>972</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Industrial Select Sector SPDR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>23567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Select Sector Spdr Tr Technology</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>76533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Select Sector Spdr Tr Technology</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>221471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>981</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Select Sector SPDR Tr Communic</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>5243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>58</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Select Sector SPDR Tr Communic</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>10396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Select Sector Spdr Tr Sbi Int-Utils</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y886</cusip>
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    <votingAuthority>
      <Sole>230</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Uwm Holdings Corporation</nameOfIssuer>
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    <cusip>91823B109</cusip>
    <value>8520</value>
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      <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>Valero Energy Corp Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>71296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>528</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>19114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>480</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vaneck Vectors Gold Miners ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>41811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1050</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vaneck JP Morgan Emerging Mark</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189H300</cusip>
    <value>5740</value>
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      <sshPrnamt>226</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>226</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vaneck Trust Rare Earth ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189H805</cusip>
    <value>10746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>233</Sole>
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      <None>0</None>
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    <nameOfIssuer>Vanguard Total International</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92203J407</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1954</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1954</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard World Fd Consum Dis Etf</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>27238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>80</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Consumer Staples ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>917616</value>
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      <sshPrnamt>4200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4200</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Consumer Staples ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>6991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Vanguard Financials ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>109910</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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    <nameOfIssuer>Vanguard Health Care ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>15521</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>
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  <infoTable>
    <nameOfIssuer>Vanguard Health Care ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>22858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>81</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Industrials ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>1057185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4065</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Industrials ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>11703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>45</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Info Tech ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>2027600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>3457</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Info Tech ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>85045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>145</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard World Fd Materials Etf</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A801</cusip>
    <value>5287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>25</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Scottsdale Fds Shrt Trm Corp Bd</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C409</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>101829</Sole>
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      <None>11639</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Scottsdale Fds Shrt Trm Corp Bd</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C409</cusip>
    <value>555463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6994</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6994</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Scotts/vanguard Russe</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C664</cusip>
    <value>894</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>10</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Scottsdale Fds Inter Term Treas</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C706</cusip>
    <value>63078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1044</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Scottsdale Fds Inter Term Treas</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C706</cusip>
    <value>15105</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>
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  <infoTable>
    <nameOfIssuer>Vanguard Inter Term Corp Bo .1</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C870</cusip>
    <value>327463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3910</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vanguard Inter Term Corp Bo .1</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C870</cusip>
    <value>455935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>4840</Sole>
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      <None>604</None>
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  <infoTable>
    <nameOfIssuer>Ventas Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92276F100</cusip>
    <value>2886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Veralto Corp Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92338C103</cusip>
    <value>18569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>166</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Veralto Corp Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92338C103</cusip>
    <value>58614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>508</Sole>
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      <None>16</None>
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  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92343V104</cusip>
    <value>1952148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43468</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>43468</Sole>
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  <infoTable>
    <nameOfIssuer>Verizon Communications</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92343V104</cusip>
    <value>95524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1755</Sole>
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      <None>372</None>
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  <infoTable>
    <nameOfIssuer>Verisk Analytic Cl B</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>2680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>10</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vertex Pharmaceuticals Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92532F100</cusip>
    <value>4186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>9</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Viatris Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92556V106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>0</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Village Bank And Trust Finl Co</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <value>194971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2557</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2557</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Visa Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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      <sshPrnamt>78848</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>78848</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Visa Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>100</Sole>
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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
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    <value>321416</value>
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      <sshPrnamt>1169</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>1169</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Wp Carey Inc REIT</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>92936U109</cusip>
    <value>77501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1244</sshPrnamt>
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    <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>22718</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>Waste Mgmt Inc Del</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>94106L109</cusip>
    <value>1059798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5105</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>20760</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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  <infoTable>
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    <titleOfClass>Com</titleOfClass>
    <cusip>94106L109</cusip>
    <value>1246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>WellTower Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>2689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>21</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>1320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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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>
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    <value>236401</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>
    </votingAuthority>
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    <nameOfIssuer>Wisdomtree US Midcap Dividend</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>97717W505</cusip>
    <value>1296810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>25363</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Wisdomtree Tr US Smallcap Divi</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>97717W604</cusip>
    <value>612749</value>
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      <sshPrnamt>17766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17766</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>36662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Spruce Power Holding Corporati</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>9837FR209</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>73</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Xcel Energy Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98389B100</cusip>
    <value>271844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4163</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Xylem Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98419M100</cusip>
    <value>76967</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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  <infoTable>
    <nameOfIssuer>Zimmer Biomet Holdings Inc Com</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98956P102</cusip>
    <value>3239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Zoetis Inc</nameOfIssuer>
    <titleOfClass>Com</titleOfClass>
    <cusip>98978V103</cusip>
    <value>4689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</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>2812647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16454</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>21368</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>1707520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>8328</Sole>
      <Shared>0</Shared>
      <None>1661</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Aon PLC ADR</nameOfIssuer>
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    <cusip>G0403H108</cusip>
    <value>3114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9</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>9626321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27233</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>35348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <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>3168241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>7626</Sole>
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      <None>1337</None>
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  <infoTable>
    <nameOfIssuer>Eaton Corp PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G29183103</cusip>
    <value>713922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2154</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>18229</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>Johnson Controls International</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G51502105</cusip>
    <value>2716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Linde Plc ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G54950103</cusip>
    <value>1072935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Medtronic PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>44295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>492</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Medtronic PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>24398</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>ADR</titleOfClass>
    <cusip>G66721104</cusip>
    <value>22725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Paysafe Limited Shs ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G6964L206</cusip>
    <value>3925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Seagate Technology Hldngs Pl Ord Shs</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>109530</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>Steris PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G8473T100</cusip>
    <value>3881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Trane Technologies PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>50535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Trane Technologies PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>18270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>47</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Alcon Inc</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>H01301128</cusip>
    <value>35379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Bunge Global SA ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>H11356104</cusip>
    <value>13046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chubb Limited Com</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>4200112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>12430</Sole>
      <Shared>0</Shared>
      <None>2134</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chubb Limited Com</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>11422840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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