<SEC-DOCUMENT>0001104659-25-010950.txt : 20250210
<SEC-HEADER>0001104659-25-010950.hdr.sgml : 20250210
<ACCEPTANCE-DATETIME>20250210161952
ACCESSION NUMBER:		0001104659-25-010950
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250210
DATE AS OF CHANGE:		20250210
EFFECTIVENESS DATE:		20250210

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:		25605986

	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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<SEQUENCE>1
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          <cik>0000764038</cik>
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      <periodOfReport>12-31-2024</periodOfReport>
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        <address>
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          <ns1:city>Winter Haven</ns1:city>
          <ns1:stateOrCountry>FL</ns1:stateOrCountry>
          <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>02-10-2025</signatureDate>
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    <nameOfIssuer>ILLINOIS TOOL WORKS</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS COM</nameOfIssuer>
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    <nameOfIssuer>INTERNATIONAL PAPER CO COM</nameOfIssuer>
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    <nameOfIssuer>ISHARES GOLD TR ISHARES NEW</nameOfIssuer>
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    <nameOfIssuer>ISHARES GOLD TR ISHARES NEW</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P TOTAL U.S.</nameOfIssuer>
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    <cusip>464287150</cusip>
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    <nameOfIssuer>ISHARES TR SELECT DIVID ETF</nameOfIssuer>
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      <Sole>4974</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR SELECT DIVID ETF</nameOfIssuer>
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      <Sole>477</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR TIPS BD ETF</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR TIPS BD ETF</nameOfIssuer>
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    <value>1601979</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>14063</Sole>
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      <None>972</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P500 ETF</nameOfIssuer>
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    <cusip>464287200</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P500 ETF</nameOfIssuer>
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    <cusip>464287200</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>385</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>385</Sole>
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    <nameOfIssuer>ISHARES TR CORE US AGGBD ET</nameOfIssuer>
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    <cusip>464287226</cusip>
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      <sshPrnamt>725</sshPrnamt>
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      <Sole>725</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>88839</value>
    <shrsOrPrnAmt>
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      <Sole>875</Sole>
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  <infoTable>
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    <cusip>464287440</cusip>
    <value>18028</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>195</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TR 1 3 YR TREAS BD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287457</cusip>
    <value>18687341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>227950</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>227950</Sole>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR 1 3 YR TREAS BD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287457</cusip>
    <value>893582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>1325292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17528</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP VALUE E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>199572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP VALUE E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>37638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>291</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP GRWTH E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>669367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5281</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>2699559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30538</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>1215980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>160822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2581</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>554871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>8905</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES EXPANDED TECH-SOFTWARE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287515</cusip>
    <value>14117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES BIOTECHNOLOGY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287556</cusip>
    <value>10841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR US CONSUM DISCRE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287580</cusip>
    <value>30765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>1382736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7469</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>362114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1956</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/GRWTH E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>610231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 1000 GRW ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>2360889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5879</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 1000 GRW ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>638512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 1000 GRW ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>70277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>119199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 2000 VAL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>105397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>642</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 2000 VAL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>24790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>151</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 GROWTH ET</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>56125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>461364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2088</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>210354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>777</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P US VLU</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287663</cusip>
    <value>7129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>77</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P US GWT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287671</cusip>
    <value>87512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>628</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P US GWT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287671</cusip>
    <value>21460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>154</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL 3000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287689</cusip>
    <value>573907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1437</Sole>
      <Shared>0</Shared>
      <None>280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR U.S. UTILITS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287697</cusip>
    <value>14431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/VALUE E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>410494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR U.S. TECH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287721</cusip>
    <value>41475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR US INDUSTRIALS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287754</cusip>
    <value>21363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR US HLTHCARE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287762</cusip>
    <value>6701</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>ISHARES TR U.S. ENERGY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287796</cusip>
    <value>5241</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>ISHARES TR CORE S&amp;P SCP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>7335481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>63665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P SCP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>141720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR US CONSM STAPLES</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287812</cusip>
    <value>29516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR U.S. BAS MTL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287838</cusip>
    <value>3898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALLCAP 600/VAL E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>314426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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/VAL E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>13576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>125</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>179365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>44829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>425</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GLOBAL TIMBER &amp; FOREST</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288174</cusip>
    <value>20994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES JPMORGAN USD EMERGING</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288281</cusip>
    <value>8993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MBS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>74994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 5-10 YR INVESTMENT GRA</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288638</cusip>
    <value>62842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR ISHS 1-5YR INVS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288646</cusip>
    <value>14269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>276</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR ISHS 1-5YR INVS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288646</cusip>
    <value>4974005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>82220</Sole>
      <Shared>0</Shared>
      <None>13989</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR 10-20 YR TRS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288653</cusip>
    <value>16623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR SHORT TREAS BD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288679</cusip>
    <value>4625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>42</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR PFD AND INCM SEC</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288687</cusip>
    <value>246049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7826</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR PFD AND INCM SEC</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288687</cusip>
    <value>2542710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>70391</Sole>
      <Shared>0</Shared>
      <None>10484</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES US BR DEL SE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288794</cusip>
    <value>38042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>692132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>20253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>386</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR EAFE GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288885</cusip>
    <value>37086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>383</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200 VALUE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464289420</cusip>
    <value>149999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1898</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200 GROWTH</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464289438</cusip>
    <value>218566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>929</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR GRWT ALLOCAT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464289867</cusip>
    <value>22355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>7199617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>49783</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>28924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>892884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>6074</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>482480100</cusip>
    <value>6301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>482480100</cusip>
    <value>14493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>108763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>44685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>341</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>500754106</cusip>
    <value>21251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>692</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>500754106</cusip>
    <value>8906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>265</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>8925545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42446</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>25234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>3212658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>13460</Sole>
      <Shared>0</Shared>
      <None>1818</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABCORP HOLDINGS INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>504922105</cusip>
    <value>28665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORPORATION COM U</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>512807306</cusip>
    <value>20947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LANDSTAR SYS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>515098101</cusip>
    <value>41246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNOX INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>526107107</cusip>
    <value>12186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>THOR INDUSTRIES, INC.</nameOfIssuer>
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      <sshPrnamt>40</sshPrnamt>
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    <nameOfIssuer>THORNBURG INVESTMENT MANAGEMEN</nameOfIssuer>
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    <nameOfIssuer>TOYOTA MTR CORP SPONSD ADR</nameOfIssuer>
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      <sshPrnamt>165</sshPrnamt>
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    <nameOfIssuer>TRACTOR SUPPLY CO COM</nameOfIssuer>
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    <nameOfIssuer>TRACTOR SUPPLY CO COM</nameOfIssuer>
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    <nameOfIssuer>US BANCORP DEL COM NEW</nameOfIssuer>
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    <nameOfIssuer>US BANCORP DEL COM NEW</nameOfIssuer>
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    <nameOfIssuer>UNION PAC CORP COM</nameOfIssuer>
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    <nameOfIssuer>UNION PAC CORP COM</nameOfIssuer>
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    <nameOfIssuer>UNION PAC CORP COM</nameOfIssuer>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC CL B</nameOfIssuer>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC CL B</nameOfIssuer>
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    <nameOfIssuer>UNITED RENTALS INC COM</nameOfIssuer>
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    <cusip>911363109</cusip>
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    <nameOfIssuer>V F CORP COM</nameOfIssuer>
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    <nameOfIssuer>V F CORP COM</nameOfIssuer>
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    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS DIV APP ETF</nameOfIssuer>
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    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS DIV APP ETF</nameOfIssuer>
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    <nameOfIssuer>VANGUARD TOTAL INTL STOCK ET</nameOfIssuer>
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    <nameOfIssuer>VANGUARD WORLD MEGA CAP FUND E</nameOfIssuer>
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    <nameOfIssuer>VANGUARD WORLD FD MEGA CAP VAL</nameOfIssuer>
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    <nameOfIssuer>VANGUARD LONG TERM BOND ETF</nameOfIssuer>
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    <cusip>921937793</cusip>
    <value>1369</value>
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      <sshPrnamt>20</sshPrnamt>
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    <nameOfIssuer>VANGUARD INTERMEDIATE-TERM  .1</nameOfIssuer>
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    <cusip>921937819</cusip>
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      <sshPrnamt>630</sshPrnamt>
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    <nameOfIssuer>VANGUARD BD INDEX FDS SHORT TRM BOND</nameOfIssuer>
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    <nameOfIssuer>VANGUARD BD INDEX FDS SHORT TRM BOND</nameOfIssuer>
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    <nameOfIssuer>VANGUARD BD INDEX FDS TOTAL BND MRKT</nameOfIssuer>
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    <cusip>921937835</cusip>
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    <cusip>921943858</cusip>
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      <Sole>82529</Sole>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS HIGH DIV YLD</nameOfIssuer>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS HIGH DIV YLD</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS HIGH DIV YLD</nameOfIssuer>
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    <cusip>921946406</cusip>
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      <sshPrnamt>141</sshPrnamt>
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      <Sole>141</Sole>
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    <nameOfIssuer>VANGUARD INTERNATIONAL EQUITY</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>96</Sole>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF</nameOfIssuer>
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    <value>93984</value>
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      <sshPrnamt>800</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>800</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042742</cusip>
    <value>14215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>121</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F ALLWRLD EX US</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042775</cusip>
    <value>13331061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>232208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F ALLWRLD EX US</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042775</cusip>
    <value>556596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>9695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>52055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1182</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>60379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1371</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FDS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042866</cusip>
    <value>78570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC CL A COM</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922475108</cusip>
    <value>73588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS S&amp;P 500 ETF SHS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908363</cusip>
    <value>20475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID-CAP VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908512</cusip>
    <value>36398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID-CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908538</cusip>
    <value>121293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>478</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID-CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908538</cusip>
    <value>27659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>182525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2049</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS SML CP GRW ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>12603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS SML CP GRW ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>13163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS SM CP VAL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>2467737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12452</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS SM CP VAL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>12882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS MID CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>4712079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS MID CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>4490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS LARGE CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>3386084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS LARGE CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>25891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>96</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS EXTEND MKT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>109239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS EXTEND MKT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>839142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>2775</Sole>
      <Shared>0</Shared>
      <None>1642</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>7905074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>109587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>267</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>86192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>210</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>2907050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>93115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>51467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS SMALL CP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>2367479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9853</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS SMALL CP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>36042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS TOTAL STK MKT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908769</cusip>
    <value>2075619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS TOTAL STK MKT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908769</cusip>
    <value>918987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>2900</Sole>
      <Shared>0</Shared>
      <None>271</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VULCAN MATERIALS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929160109</cusip>
    <value>25723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WSFS FINANCIAL CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929328102</cusip>
    <value>53130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>22548107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249564</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>249564</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>79960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>908379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>9844</Sole>
      <Shared>0</Shared>
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    <nameOfIssuer>COINBASE GLOBAL INC COM CL A</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS COM</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC CL A</nameOfIssuer>
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    <nameOfIssuer>CONSTELLATION BRANDS INC CL A</nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HOLDINGS INC CL A</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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  <infoTable>
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      <sshPrnamt>225</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>DATADOG INC CL A</nameOfIssuer>
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      <sshPrnamt>200</sshPrnamt>
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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>DESTRA MULTI-ALTERNATIVE FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25065A502</cusip>
    <value>8688</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>7201</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 SPON ADR NEW</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>386348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3039</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIAGEO PLC SPON ADR NEW</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>1320880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>8471</Sole>
      <Shared>0</Shared>
      <None>1919</None>
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  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25278X109</cusip>
    <value>4587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIGITALOCEAN HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25402D102</cusip>
    <value>6814</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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  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>717415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>6409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25754A201</cusip>
    <value>420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOORDASH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25809K105</cusip>
    <value>4026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26441C204</cusip>
    <value>4563328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>42355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26441C204</cusip>
    <value>462528</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>4073</Sole>
      <Shared>0</Shared>
      <None>220</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUOLINGO INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26603R106</cusip>
    <value>3567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>218075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENI SPA SPONS ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>26874R108</cusip>
    <value>27716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1013</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EOG RES INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>1648824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EOG RES INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>49399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>403</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDITAS MEDICINE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>28106W103</cusip>
    <value>635</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>ELANCO ANIMAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>28414H103</cusip>
    <value>6237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMBECTA CORP COMMON STOCK</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29082K105</cusip>
    <value>413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMBECTA CORP COMMON STOCK</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29082K105</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASPEN TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29109X106</cusip>
    <value>6490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INCORPORATED ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>29250N105</cusip>
    <value>115410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENDAVA PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>29260V105</cusip>
    <value>4048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENDEAVOR GROUP HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29260Y109</cusip>
    <value>62580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER L P COM UT LTD PTN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29273V100</cusip>
    <value>10441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>533</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER L P COM UT LTD PTN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29273V100</cusip>
    <value>49308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>2517</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
    <value>8795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VESTIS CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29430C102</cusip>
    <value>15240</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>
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  <infoTable>
    <nameOfIssuer>EVAXION BIOTECH A/S SPONSORED ADS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29970R204</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30040W108</cusip>
    <value>92864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1617</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVOLV TECHNOLOGIES HLDNGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30049H102</cusip>
    <value>14105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3571</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXPONENT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30214U102</cusip>
    <value>4277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>4739427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44059</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>2375468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>19260</Sole>
      <Shared>0</Shared>
      <None>2823</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30303M102</cusip>
    <value>2731404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30303M102</cusip>
    <value>6375636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>9414</Sole>
      <Shared>0</Shared>
      <None>1475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>389079</value>
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      <sshPrnamt>1383</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1383</Sole>
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  <infoTable>
    <nameOfIssuer>FERGUSON ENTERPRISES INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31488V107</cusip>
    <value>19093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>110</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SVCS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31620M106</cusip>
    <value>162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST CITIZENS BANCSHARES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31946M103</cusip>
    <value>4437342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2100</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2100</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FIRST TRUST EXCHANGE-TRADED FU</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33739H101</cusip>
    <value>1388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>58</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST TRUST LONG/SHORT EQUITY</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>33739P103</cusip>
    <value>3949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>1122150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14962</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14962</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35671D857</cusip>
    <value>13328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FUELCELL ENERGY INC COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35952H700</cusip>
    <value>705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>78</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I COMMON STOCK</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36266G107</cusip>
    <value>860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I COMMON STOCK</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36266G107</cusip>
    <value>2033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>26</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GE VERNOVA INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36828A101</cusip>
    <value>5592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GE VERNOVA INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36828A101</cusip>
    <value>6250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>19</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>5167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>97</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL PAYMENTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37940X102</cusip>
    <value>12551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS NASDAQ 100 COVER</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>37954Y483</cusip>
    <value>8</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>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>1443002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2520</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>246226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>430</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOPRO INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38268T103</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>13</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GRAYSCALE ETHEREUM MINI TR E SHS NEW</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>38964R203</cusip>
    <value>1449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>46</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GUGGENHEIM ACTIVE ALLOCATION F</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>40170T106</cusip>
    <value>125280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8425</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>8425</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40412C101</cusip>
    <value>1133967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3778</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALL OF FAME RESORT &amp; ENTERTAI</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40619L201</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HESS CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42809H107</cusip>
    <value>4921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HESS CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42809H107</cusip>
    <value>65840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>407</Sole>
      <Shared>0</Shared>
      <None>88</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOLLEY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>43538H103</cusip>
    <value>604</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>
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  <infoTable>
    <nameOfIssuer>IPG PHOTONICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>44980X109</cusip>
    <value>10181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TIDAL TRUST III ROCKEFELLER OPP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45259A878</cusip>
    <value>196656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7750</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>7750</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45687V106</cusip>
    <value>13026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>144</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INSULET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45784P101</cusip>
    <value>7832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERACTIVE BROKERS GROUP IN COM CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45841N107</cusip>
    <value>8834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERACTIVE BROKERS GROUP IN COM CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45841N107</cusip>
    <value>1943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45866F104</cusip>
    <value>7094515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47611</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>47611</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45866F104</cusip>
    <value>2802282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15967</Sole>
      <Shared>0</Shared>
      <None>2839</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MNGD FD TR OP</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46090F100</cusip>
    <value>1845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>142</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46120E602</cusip>
    <value>14301182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>27399</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46120E602</cusip>
    <value>49586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>95</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46120E602</cusip>
    <value>6170090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11821</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10439</Sole>
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      <None>1382</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T WATER RES ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46137V142</cusip>
    <value>2303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO S&amp;P 500 PURE VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46137V258</cusip>
    <value>47811</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO S&amp;P 500 PURE GROWTH ET</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46137V266</cusip>
    <value>47449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46137V563</cusip>
    <value>406023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19098</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46137V563</cusip>
    <value>21536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1013</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1013</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO S&amp;P 500 LOW VOLATILITY</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138E354</cusip>
    <value>1271200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO CAPITAL MANAGEMENT LLC</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138G508</cusip>
    <value>10746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II T</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138G805</cusip>
    <value>17233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>659</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IQVIA HOLDINGS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46266C105</cusip>
    <value>5502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES FLOATING RATE BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46429B655</cusip>
    <value>16231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>319</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES CORE HIGH DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46429B663</cusip>
    <value>691297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6158</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR CORE MSCI EAFE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46432F842</cusip>
    <value>450846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6415</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE MSCI EAFE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46432F842</cusip>
    <value>319001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>4539</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE MSCI EMERGING</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434G103</cusip>
    <value>4386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES MSCI GLOBAL GOLD MIN E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434G855</cusip>
    <value>492150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17508</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES 0-5 YEAR HIGH YIELD CO</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V407</cusip>
    <value>285700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V613</cusip>
    <value>5786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE DIVIDEND GROWTH E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V621</cusip>
    <value>1570979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE MSCI EURO ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46434V738</cusip>
    <value>12361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SELF-DRIVING EV&amp;TECH</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435U366</cusip>
    <value>15346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR BROAD USD HIGH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46435U853</cusip>
    <value>11846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>322</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR/ISHARES 0-3 MNTH TR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46436E718</cusip>
    <value>19228033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>191667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES BITCOIN TRUST ETF SHS BEN INT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46438F101</cusip>
    <value>234004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>4411</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO. COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>30856909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>128726</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO. COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>53935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO. COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>6019358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>22413</Sole>
      <Shared>0</Shared>
      <None>2698</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN US QUALITY FACTOR ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46641Q761</cusip>
    <value>34706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JP MORGAN HEDGED EQUITY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46654Q724</cusip>
    <value>1006847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16229</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KENVUE INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49177J102</cusip>
    <value>6725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49338L103</cusip>
    <value>52687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>328</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49456B101</cusip>
    <value>22742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49456B101</cusip>
    <value>124396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>540</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KINSALE CAPITAL GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49714P108</cusip>
    <value>83258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49803T300</cusip>
    <value>442962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17550</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KITE RLTY GROUP TR COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49803T300</cusip>
    <value>46315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC COMMON STOCK</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>50155Q100</cusip>
    <value>5744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LCI INDUSTRIES</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>50189K103</cusip>
    <value>1241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LPL FINANCIAL HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>50212V100</cusip>
    <value>7836</value>
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    <nameOfIssuer>CORE ALTERNATIVE ETF</nameOfIssuer>
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    <cusip>53656F847</cusip>
    <value>5996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>234</Sole>
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      <None>0</None>
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    <nameOfIssuer>LIVE OAK BANCSHARES INC</nameOfIssuer>
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    <cusip>53803X105</cusip>
    <value>21753</value>
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    <votingAuthority>
      <Sole>550</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LYFT INC CL A COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>22245</sshPrnamt>
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      <Sole>22245</Sole>
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      <None>0</None>
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    <nameOfIssuer>M &amp; T BK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>6436</sshPrnamt>
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      <Sole>6436</Sole>
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      <None>0</None>
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    <nameOfIssuer>MKS INSTRS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>55306N104</cusip>
    <value>104390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1000</Sole>
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    <nameOfIssuer>MARATHON PETROLEUM CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
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      <sshPrnamt>4092</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>4092</Sole>
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      <None>0</None>
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    <nameOfIssuer>MASTERCARD INCORPORATED CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>34104886</value>
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      <sshPrnamt>64768</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>64768</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>98469</value>
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      <sshPrnamt>187</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>187</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>678222</value>
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      <sshPrnamt>1288</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>1288</Sole>
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      <None>0</None>
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    <nameOfIssuer>MATCH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>57667L107</cusip>
    <value>10140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>310</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCKESSON CORP. COMMON STOCK</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>180092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>316</Sole>
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      <None>0</None>
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    <nameOfIssuer>MERCK &amp; CO INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
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      <sshPrnamt>27763</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>27763</Sole>
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      <None>0</None>
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    <nameOfIssuer>MERCK &amp; CO INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>476211</value>
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      <sshPrnamt>4787</sshPrnamt>
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    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>4787</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>METLIFE INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>38402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>469</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>469</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>METLIFE INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>59156R108</cusip>
    <value>112094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1369</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>1369</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MODERNA INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>60770K107</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>0</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MONEYLION INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>60938K304</cusip>
    <value>2838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>33</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MONSTER BEVERAGE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61174X109</cusip>
    <value>71744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1365</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1365</Sole>
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      <None>0</None>
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    <nameOfIssuer>MOSAIC CO NEW COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61945C103</cusip>
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      <sshPrnamt>26178</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>26178</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MOSAIC CO NEW COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61945C103</cusip>
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      <sshPrnamt>425</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>425</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NETFLIX INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110L106</cusip>
    <value>122111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>137</Sole>
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  <infoTable>
    <nameOfIssuer>NETFLIX INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110L106</cusip>
    <value>86458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>97</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>12758956</value>
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      <sshPrnamt>177974</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>177974</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer>
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    <cusip>65339F101</cusip>
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      <sshPrnamt>37861</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>33477</Sole>
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      <None>4384</None>
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    <nameOfIssuer>NOVARTIS AG SPONSORED ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>948870</value>
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      <sshPrnamt>9751</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>9751</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NOVARTIS AG SPONSORED ADR</nameOfIssuer>
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    <value>20922</value>
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      <sshPrnamt>215</sshPrnamt>
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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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  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>2662568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19827</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>19827</Sole>
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  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>616123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4588</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4588</Sole>
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    <nameOfIssuer>NUSCALE POWER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67079K100</cusip>
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      <sshPrnamt>300</sshPrnamt>
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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>OCUGEN INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67577C105</cusip>
    <value>5635</value>
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      <sshPrnamt>7000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>7000</Sole>
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      <None>0</None>
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    <nameOfIssuer>ORACLE CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>22014644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132109</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>132109</Sole>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>39327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>236</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>236</Sole>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>5384805</value>
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      <sshPrnamt>32314</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>28623</Sole>
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    <nameOfIssuer>ORGANON &amp; CO COMMON STOCK</nameOfIssuer>
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    <cusip>68622V106</cusip>
    <value>75</value>
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      <sshPrnamt>5</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5</Sole>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>76866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>830</Sole>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>183275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1979</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>1979</Sole>
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  <infoTable>
    <nameOfIssuer>PJT PARTNERS INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69343T107</cusip>
    <value>37874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PPL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69351T106</cusip>
    <value>6557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>202</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69608A108</cusip>
    <value>383595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5072</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69608A108</cusip>
    <value>43865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>415</Sole>
      <Shared>0</Shared>
      <None>165</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>4987086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>58431</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>291215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>3412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO CORPORATE &amp; INCOME OPP</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>72201B101</cusip>
    <value>19974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR ENHAN SHRT MA AC</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>72201R833</cusip>
    <value>1605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR ENHAN SHRT MA AC</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>72201R833</cusip>
    <value>2552051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>25354</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIMCO ACCESS IN/COM SHS BEN IN</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>72203T100</cusip>
    <value>142588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POOL CORPORATION COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>73278L105</cusip>
    <value>6137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRECISION BIOSCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74019P207</cusip>
    <value>362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74144T108</cusip>
    <value>1095050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9683</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74144T108</cusip>
    <value>13571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74251V102</cusip>
    <value>4412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>57</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROLOGIS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74340W103</cusip>
    <value>14375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES DJ BROOKFIELD GLBL I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74347B508</cusip>
    <value>4273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>87</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Q2 HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74736L109</cusip>
    <value>14091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>5699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVIAN AUTOMOTIVE INC COM CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>76954A103</cusip>
    <value>36575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>10459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>10484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SLM CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78442P106</cusip>
    <value>813610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>29500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR TR UNIT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>14445700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24648</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR TR UNIT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>242637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>414</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR TR UNIT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>951794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1624</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR GOLD SHS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463V107</cusip>
    <value>481839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR GOLD SHS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463V107</cusip>
    <value>169491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>556</Sole>
      <Shared>0</Shared>
      <None>144</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES REIT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A607</cusip>
    <value>256838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2598</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR PORTFOLIO LONG ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A664</cusip>
    <value>10502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>401</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S TR/PORTFOLIO INTER TER</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A672</cusip>
    <value>34599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1241</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A854</cusip>
    <value>8962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE UT SER 1</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78467X109</cusip>
    <value>2212600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE UT SER 1</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78467X109</cusip>
    <value>3404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR UTSER1 S&amp;PDCRP</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>190809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR UTSER1 S&amp;PDCRP</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>59806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BLOOMBERG SHORT TERM HIGH</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78468R408</cusip>
    <value>28507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1129</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BLOOMBERG HIGH YIELD BOND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78468R622</cusip>
    <value>11456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAGE THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78667J108</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAIA INC</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78709Y105</cusip>
    <value>6836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>5594344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16733</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>1672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI SPONSORED ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>80105N105</cusip>
    <value>14180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>294</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI MATERIALS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>126210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI MATERIALS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>45688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI HEALTHCARE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>722518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI HEALTHCARE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>58055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI CONS STPLS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>139140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI CONS STPLS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>38912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI CONS DISCR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>170506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI CONS DISCR</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>56088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ENERGY</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1667629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ENERGY</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>20045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>209</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR FINANCIAL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>846403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17513</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR FINANCIAL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>23730</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>SELECT SECTOR SPDR TR INDL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>121483</value>
    <shrsOrPrnAmt>
      <sshPrnamt>922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR INDL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>22926</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>395982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1703</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR TECHNOLOGY</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>66268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR COMMUNICATION</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>81320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR COMMUNICATION</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>11133</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 REAL EST</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>3742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>92</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>
    <value>65472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>865</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>
    <value>10218</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>523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>21105929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19909</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>91170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>89050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC CL B</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82509L107</cusip>
    <value>262635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIFY TECHNOLOGIES LIMITED</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82655M206</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82982L103</cusip>
    <value>4085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83088M102</cusip>
    <value>13302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SNAP INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83304A106</cusip>
    <value>646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOFI TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83406F102</cusip>
    <value>128282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOLVENTUM CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83444M101</cusip>
    <value>35012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN COPPER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>84265V105</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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      <None>0</None>
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    <cusip>85207K107</cusip>
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      <sshPrnamt>36051</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <cusip>85207K107</cusip>
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    <cusip>85207K107</cusip>
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    <cusip>85208R101</cusip>
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    <nameOfIssuer>TPI COMPOSITES INC COM</nameOfIssuer>
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      <sshPrnamt>200</sshPrnamt>
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    <nameOfIssuer>TC ENERGY CORPORATION</nameOfIssuer>
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    <cusip>87807B107</cusip>
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      <sshPrnamt>285</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>TELADOC HEALTH INC</nameOfIssuer>
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    <cusip>87918A105</cusip>
    <value>727</value>
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      <sshPrnamt>80</sshPrnamt>
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      <Sole>80</Sole>
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      <None>0</None>
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    <nameOfIssuer>TESLA INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
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      <sshPrnamt>2972</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2972</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TESLA INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
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      <sshPrnamt>146</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>121</Sole>
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      <None>25</None>
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    <nameOfIssuer>THE TRADE DESK INC CL A</nameOfIssuer>
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    <cusip>88339J105</cusip>
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      <sshPrnamt>2668</sshPrnamt>
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      <Sole>2668</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>3M CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>5155</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5155</Sole>
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      <None>0</None>
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    <nameOfIssuer>3M CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>51636</value>
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      <sshPrnamt>400</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>400</Sole>
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      <None>0</None>
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    <nameOfIssuer>TOWNE BANK</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>2316</sshPrnamt>
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      <Sole>2316</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRUIST FINL CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>20774</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>20774</Sole>
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  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>508</sshPrnamt>
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      <Sole>140</Sole>
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      <None>368</None>
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  <infoTable>
    <nameOfIssuer>TWILIO INC CL A</nameOfIssuer>
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      <sshPrnamt>500</sshPrnamt>
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      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>UBER TECHNOLOGIES INC COM</nameOfIssuer>
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      <sshPrnamt>68</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>68</Sole>
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  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC COM</nameOfIssuer>
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      <Sole>15</Sole>
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      <None>0</None>
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    <nameOfIssuer>ULTA BEAUTY INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>7924</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>7924</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC COM</nameOfIssuer>
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      <sshPrnamt>61</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>61</Sole>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC COM</nameOfIssuer>
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    <cusip>91324P102</cusip>
    <value>4309927</value>
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      <sshPrnamt>8520</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>8520</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>106737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>211</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91347P105</cusip>
    <value>38743</value>
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      <sshPrnamt>265</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>265</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>4918801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40124</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>40124</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
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      <sshPrnamt>528</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>528</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANECK VECTORS GOLD MINERS ETF</nameOfIssuer>
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    <cusip>92189F106</cusip>
    <value>35606</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1050</Sole>
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  <infoTable>
    <nameOfIssuer>VANECK JP MORGAN EMERGING MARK</nameOfIssuer>
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      <sshPrnamt>226</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>226</Sole>
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    <nameOfIssuer>VANECK TRUST RARE EARTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
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    <value>9089</value>
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      <sshPrnamt>233</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>233</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD TOTAL INTERNATIONAL</nameOfIssuer>
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    <cusip>92203J407</cusip>
    <value>95844</value>
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      <sshPrnamt>1954</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1954</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD CONSUM DIS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>25150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>67</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD CONSUM STP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>887796</value>
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      <sshPrnamt>4200</sshPrnamt>
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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 WORLD FD CONSUM STP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>3171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD FINANCIALS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>118070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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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>VANGUARD WORLD FD HEALTH CAR ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>13953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD HEALTH CAR ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>16997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>67</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD INDUSTRIAL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>1034097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4065</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD INDUSTRIAL ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>11448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD INF TECH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>2149563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3457</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD INF TECH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>90161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD MATERIALS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92204A801</cusip>
    <value>4696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SHORT-TERM TREASURY E</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C102</cusip>
    <value>3724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>64</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C409</cusip>
    <value>545602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6994</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C409</cusip>
    <value>8108438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>92264</Sole>
      <Shared>0</Shared>
      <None>11677</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTS/VANGUARD RUSSE</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C664</cusip>
    <value>893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS INTER TERM TREAS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C706</cusip>
    <value>692868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS INTER TERM TREAS</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C706</cusip>
    <value>60552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1044</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS MTG-BK</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C771</cusip>
    <value>11471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE LG-TERM CO</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C813</cusip>
    <value>10843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>145</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>313856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3910</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>112458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>797</Sole>
      <Shared>0</Shared>
      <None>604</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92276F100</cusip>
    <value>2650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERALTO CORP COM SHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92338C103</cusip>
    <value>16907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERALTO CORP COM SHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92338C103</cusip>
    <value>53369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>508</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>1335026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33384</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>85059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1755</Sole>
      <Shared>0</Shared>
      <None>372</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTIC CL B</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>6610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92532F100</cusip>
    <value>6846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17</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>199062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2557</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC COM CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92826C839</cusip>
    <value>37667543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>119186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC COM CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92826C839</cusip>
    <value>31604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC COM CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92826C839</cusip>
    <value>369451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>1169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WP CAREY INC REIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92936U109</cusip>
    <value>67773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1244</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92939U106</cusip>
    <value>6395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALKER &amp; DUNLOP INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>93148P102</cusip>
    <value>19442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>1022470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5067</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>20179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>1211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>2647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ASSET HIGH INCOME OP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>95766K109</cusip>
    <value>1281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>326</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE US DIVIDEND EX-FINA</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>97717W406</cusip>
    <value>226248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE US MIDCAP DIVIDEND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>97717W505</cusip>
    <value>2794175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>54820</Sole>
      <Shared>0</Shared>
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    <nameOfIssuer>WISDOMTREE TR US SMALLCAP DIVI</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>97717W604</cusip>
    <value>610262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17766</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WORKDAY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98138H101</cusip>
    <value>39995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98389B100</cusip>
    <value>295873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>YUM CHINA HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98850P109</cusip>
    <value>626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98956P102</cusip>
    <value>3169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>30</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ZOETIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98978V103</cusip>
    <value>3910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
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      <None>0</None>
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    <nameOfIssuer>ZSCALER INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98980G102</cusip>
    <value>3183154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>17644</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>22551</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>1798507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>8308</Sole>
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      <None>1661</None>
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  <infoTable>
    <nameOfIssuer>ZURN ELKAY WATER SOLUTIONS COR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98983L108</cusip>
    <value>7796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>209</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALKERMES PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G01767105</cusip>
    <value>3854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>134</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALLEGION PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G0176J109</cusip>
    <value>4966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMCOR PLC ORD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G0250X107</cusip>
    <value>6135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AON PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>3232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND SHS CLASS A</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>9811071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27889</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND SHS CLASS A</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>35179</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>
    <nameOfIssuer>ACCENTURE PLC IRELAND SHS CLASS A</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>3058111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>7356</Sole>
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      <None>1337</None>
    </votingAuthority>
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    <nameOfIssuer>CRH PLC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G25508105</cusip>
    <value>11565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>EATON CORP PLC SHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G29183103</cusip>
    <value>714848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2154</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EATON CORP PLC SHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G29183103</cusip>
    <value>18253</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>
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  <infoTable>
    <nameOfIssuer>JOHNSON CONTROLS INTERNATIONAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G51502105</cusip>
    <value>2763</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>
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    <nameOfIssuer>LINDE PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G54950103</cusip>
    <value>936146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2236</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MEDTRONIC PLC SHS</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>23325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>292</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC SHS</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>21647</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>
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    <nameOfIssuer>NORWEGIAN CRUISE LINE HOLDINGS</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G66721104</cusip>
    <value>28509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1108</Sole>
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      <None>0</None>
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    <nameOfIssuer>PAYSAFE LIMITED SHS ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G6964L206</cusip>
    <value>1556</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>
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    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL ORD SHS</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>86310</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>
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    <nameOfIssuer>STERIS PLC ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G8473T100</cusip>
    <value>3289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>16</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TRANE TECHNOLOGIES PLC SHS</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>48016</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>
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  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC SHS</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>8495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>23</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>22366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>264</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHUBB LTD ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>11098418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40168</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHUBB LTD ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>4067965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>12589</Sole>
      <Shared>0</Shared>
      <None>2134</None>
    </votingAuthority>
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    <nameOfIssuer>CRISPR THERAPEUTICS AG NAMEN A</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>H17182108</cusip>
    <value>4920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>GILAT SATELLITE NETWORKS SHS A</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>M51474118</cusip>
    <value>4920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ASML HOLDING ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>N07059210</cusip>
    <value>67922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>98</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N SHS - A -</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>N53745100</cusip>
    <value>325971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4389</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N SHS - A -</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>N53745100</cusip>
    <value>12255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165</sshPrnamt>
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    <votingAuthority>
      <Sole>15</Sole>
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  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS ADR</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
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    <value>703157</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3383</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NAVIOS MARITIME PARTNERS LP CO</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>Y62267409</cusip>
    <value>17229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>398</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
