<SEC-DOCUMENT>0000039263-23-000015.txt : 20230213
<SEC-HEADER>0000039263-23-000015.hdr.sgml : 20230213
<ACCEPTANCE-DATETIME>20230213090026
ACCESSION NUMBER:		0000039263-23-000015
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20221231
FILED AS OF DATE:		20230213
DATE AS OF CHANGE:		20230213
EFFECTIVENESS DATE:		20230213

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CULLEN/FROST BANKERS, INC.
		CENTRAL INDEX KEY:			0000039263
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				741751768
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-00183
		FILM NUMBER:		23615009

	BUSINESS ADDRESS:	
		STREET 1:		111 W HOUSTON ST
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78205
		BUSINESS PHONE:		210-220-4011

	MAIL ADDRESS:	
		STREET 1:		POST OFFICE BOX 1600
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78296-1600

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CULLEN FROST BANKERS INC
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FROST BANK CORP
		DATE OF NAME CHANGE:	19770823
</SEC-HEADER>
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          <com:city>SAN ANTONIO</com:city>
          <com:stateOrCountry>TX</com:stateOrCountry>
          <com:zipCode>78296-1600</com:zipCode>
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    <signatureBlock>
      <name>Coolidge E. Rhodes, Jr.</name>
      <title>Group Executive VP General Counsel and Corporate Secretary</title>
      <phone>210-220-6970</phone>
      <signature>/s/Coolidge E. Rhodes, Jr.</signature>
      <city>San Antonio</city>
      <stateOrCountry>TX</stateOrCountry>
      <signatureDate>02-07-2023</signatureDate>
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    <nameOfIssuer>AMERISAFE INC COM</nameOfIssuer>
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    <nameOfIssuer>AMERISOURCEBERGEN CORP COM</nameOfIssuer>
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    <nameOfIssuer>AMETEK INC COM</nameOfIssuer>
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    <nameOfIssuer>AMGEN INC COM</nameOfIssuer>
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    <nameOfIssuer>ANALOG DEVICES INC COM</nameOfIssuer>
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    <nameOfIssuer>APPLE INC COM</nameOfIssuer>
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    <nameOfIssuer>APPLIED MATLS INC COM</nameOfIssuer>
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    <nameOfIssuer>ARCOSA INC COM</nameOfIssuer>
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    <nameOfIssuer>ARES CAPITAL CORP COM</nameOfIssuer>
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    <nameOfIssuer>ARISTA NETWORKS INC COM</nameOfIssuer>
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    <nameOfIssuer>ARMADA HOFFLER PPTYS INC COM</nameOfIssuer>
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    <nameOfIssuer>ASSURANT INC COM</nameOfIssuer>
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    <nameOfIssuer>ASTRAZENECA PLC SPONSORED ADR</nameOfIssuer>
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    <nameOfIssuer>ATMOS ENERGY CORP COM</nameOfIssuer>
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    <nameOfIssuer>AUTODESK INC COM</nameOfIssuer>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN COM</nameOfIssuer>
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    <nameOfIssuer>AUTOZONE INC COM</nameOfIssuer>
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    <nameOfIssuer>AVANGRID INC COM</nameOfIssuer>
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    <nameOfIssuer>AVERY DENNISON CORP COM</nameOfIssuer>
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    <nameOfIssuer>AVIS BUDGET GROUP COM</nameOfIssuer>
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    <nameOfIssuer>AVNET INC COM</nameOfIssuer>
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    <nameOfIssuer>BCE INC COM NEW</nameOfIssuer>
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    <nameOfIssuer>BJS WHSL CLUB HLDGS INC COM</nameOfIssuer>
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    <nameOfIssuer>BP PLC SPONSORED ADR</nameOfIssuer>
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    <nameOfIssuer>BP PRUDHOE BAY RTY TR UNIT BEN INT</nameOfIssuer>
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    <nameOfIssuer>BAKER HUGHES COMPANY CL A</nameOfIssuer>
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    <nameOfIssuer>BALL CORP COM</nameOfIssuer>
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    <nameOfIssuer>BALLARD PWR SYS INC NEW COM</nameOfIssuer>
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    <nameOfIssuer>BANK AMERICA CORP COM</nameOfIssuer>
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    <nameOfIssuer>BK OF AMERICA CORP 7.25 CNV PFD L</nameOfIssuer>
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    <nameOfIssuer>BANK MONTREAL QUE COM</nameOfIssuer>
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    <nameOfIssuer>BANK NEW YORK MELLON CORP COM</nameOfIssuer>
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    <nameOfIssuer>BARCLAYS PLC ADR</nameOfIssuer>
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    <nameOfIssuer>BARINGS BDC INC COM</nameOfIssuer>
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    <nameOfIssuer>BARRICK GOLD CORP COM</nameOfIssuer>
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    <nameOfIssuer>BAXTER INTL INC COM</nameOfIssuer>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO COM</nameOfIssuer>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO 6  DP CONV PFD B</nameOfIssuer>
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    <cusip>075887406</cusip>
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    <nameOfIssuer>BERKLEY W R CORP COM</nameOfIssuer>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL CL A</nameOfIssuer>
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    <cusip>084670108</cusip>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL CL B NEW</nameOfIssuer>
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    <nameOfIssuer>BEST BUY INC COM</nameOfIssuer>
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    <nameOfIssuer>CHARLES RIV LABS INTL INC COM</nameOfIssuer>
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    <nameOfIssuer>CHENIERE ENERGY PARTNERS LP COM UNIT</nameOfIssuer>
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    <nameOfIssuer>CHENIERE ENERGY INC COM NEW</nameOfIssuer>
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    <nameOfIssuer>CHESAPEAKE ENERGY CORP COM</nameOfIssuer>
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    <nameOfIssuer>CHEVRON CORP NEW COM</nameOfIssuer>
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    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC COM</nameOfIssuer>
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    <nameOfIssuer>CHOICE HOTELS INTL INC COM</nameOfIssuer>
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      <None>400</None>
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    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC COM</nameOfIssuer>
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    <nameOfIssuer>CHUYS HLDGS INC COM</nameOfIssuer>
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    <nameOfIssuer>CINCINNATI FINL CORP COM</nameOfIssuer>
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    <nameOfIssuer>CISCO SYS INC COM</nameOfIssuer>
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    <nameOfIssuer>CINTAS CORP COM</nameOfIssuer>
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    <nameOfIssuer>CITIGROUP INC COM NEW</nameOfIssuer>
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    <nameOfIssuer>CITIZENS FINL GROUP INC COM</nameOfIssuer>
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      <None>400</None>
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    <nameOfIssuer>CLEARBRIDGE MLP AND MIDSTRM COM</nameOfIssuer>
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      <None>4060</None>
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    <nameOfIssuer>CLEARBRIDGE MLP AND MIDSTRM COM</nameOfIssuer>
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      <sshPrnamt>5570</sshPrnamt>
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    <nameOfIssuer>CLOROX CO DEL COM</nameOfIssuer>
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    <nameOfIssuer>CLOUDFLARE INC CL A COM</nameOfIssuer>
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    <nameOfIssuer>COCA COLA CO COM</nameOfIssuer>
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    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO CL A</nameOfIssuer>
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    <nameOfIssuer>COHERENT CORP COM</nameOfIssuer>
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    <nameOfIssuer>COHEN &amp; STEERS TOTAL RETURN COM</nameOfIssuer>
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    <cusip>19247R103</cusip>
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    <nameOfIssuer>COHEN &amp; STEERS INFRASTRUCTUR COM</nameOfIssuer>
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    <nameOfIssuer>COINBASE GLOBAL INC COM CL A</nameOfIssuer>
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    <nameOfIssuer>ENOVIS CORPORATION COM</nameOfIssuer>
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    <nameOfIssuer>COLGATE PALMOLIVE CO COM</nameOfIssuer>
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    <nameOfIssuer>COMCAST CORP NEW CL A</nameOfIssuer>
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    <nameOfIssuer>COMERICA INC COM</nameOfIssuer>
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    <nameOfIssuer>COMMERCE BANCSHARES INC COM</nameOfIssuer>
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    <nameOfIssuer>COMMSCOPE HLDG CO INC COM</nameOfIssuer>
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    <nameOfIssuer>COMSTOCK RES INC COM</nameOfIssuer>
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    <value>54840</value>
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    <nameOfIssuer>CONAGRA BRANDS INC COM</nameOfIssuer>
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    <nameOfIssuer>CONOCOPHILLIPS COM</nameOfIssuer>
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    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
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      <Sole>3783</Sole>
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      <None>775</None>
    </votingAuthority>
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    <nameOfIssuer>CONSTELLATION BRANDS INC CL A</nameOfIssuer>
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    <cusip>21036P108</cusip>
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    <nameOfIssuer>CROCS INC COM</nameOfIssuer>
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    <nameOfIssuer>CROWDSTRIKE HLDGS INC CL A</nameOfIssuer>
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    <nameOfIssuer>CUBESMART COM</nameOfIssuer>
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    <nameOfIssuer>DBX ETF TR XTRACK HRVST CSI</nameOfIssuer>
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    <nameOfIssuer>DCP MIDSTREAM LP COM UT LTD PTN</nameOfIssuer>
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    <nameOfIssuer>DNP SELECT INCOME FD INC COM</nameOfIssuer>
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    <nameOfIssuer>DELUXE CORP COM</nameOfIssuer>
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    <nameOfIssuer>DENTSPLY SIRONA INC COM</nameOfIssuer>
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    <nameOfIssuer>DIAMONDBACK ENERGY INC COM</nameOfIssuer>
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    <nameOfIssuer>DICKS SPORTING GOODS INC COM</nameOfIssuer>
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    <nameOfIssuer>DIGITAL RLTY TR INC COM</nameOfIssuer>
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    <nameOfIssuer>DISNEY WALT CO COM</nameOfIssuer>
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    <nameOfIssuer>DOMINION ENERGY INC COM</nameOfIssuer>
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    <nameOfIssuer>DONALDSON INC COM</nameOfIssuer>
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    <nameOfIssuer>DOW INC COM</nameOfIssuer>
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    <nameOfIssuer>DRAFTKINGS INC NEW COM CL A</nameOfIssuer>
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    <nameOfIssuer>DRIL-QUIP INC COM</nameOfIssuer>
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    <nameOfIssuer>DROPBOX INC CL A</nameOfIssuer>
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    <nameOfIssuer>DRIVEN BRANDS HLDGS INC COM</nameOfIssuer>
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    <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer>
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    <nameOfIssuer>DUPONT DE NEMOURS INC COM</nameOfIssuer>
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    <nameOfIssuer>DYCOM INDS INC COM</nameOfIssuer>
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    <nameOfIssuer>EOG RES INC COM</nameOfIssuer>
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    <nameOfIssuer>ETF SER SOLUTIONS US GLB JETS</nameOfIssuer>
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    <nameOfIssuer>EATON VANCE MUN BD FD COM</nameOfIssuer>
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    <nameOfIssuer>EATON VANCE TAX-MANAGED DIVE COM</nameOfIssuer>
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    <nameOfIssuer>EATON VANCE TAX-ADVANTAGED G COM</nameOfIssuer>
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    <nameOfIssuer>EBAY INC. COM</nameOfIssuer>
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    <nameOfIssuer>ECOLAB INC COM</nameOfIssuer>
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    <nameOfIssuer>EDISON INTL COM</nameOfIssuer>
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    <nameOfIssuer>ELANCO ANIMAL HEALTH INC COM</nameOfIssuer>
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    <nameOfIssuer>ELEMENT SOLUTIONS INC COM</nameOfIssuer>
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    <nameOfIssuer>ENBRIDGE INC COM</nameOfIssuer>
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    <nameOfIssuer>ENCOMPASS HEALTH CORP COM</nameOfIssuer>
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    <nameOfIssuer>ENERGY TRANSFER L P COM UT LTD PTN</nameOfIssuer>
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      <None>28079</None>
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    <nameOfIssuer>ENHABIT INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
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      <sshPrnamt>200</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>ENLINK MIDSTREAM LLC COM UNIT REP LTD</nameOfIssuer>
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    <nameOfIssuer>ENPHASE ENERGY INC COM</nameOfIssuer>
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      <None>200</None>
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    <nameOfIssuer>ENSIGN GROUP INC COM</nameOfIssuer>
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      <None>260</None>
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    <nameOfIssuer>ENTERGY CORP NEW COM</nameOfIssuer>
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    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L COM</nameOfIssuer>
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      <None>42985</None>
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    <nameOfIssuer>EPAM SYS INC COM</nameOfIssuer>
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    <nameOfIssuer>EOS ENERGY ENTERPRISES INC COM CL A</nameOfIssuer>
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    <cusip>29415C101</cusip>
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      <None>55000</None>
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    <nameOfIssuer>EQUIFAX INC COM</nameOfIssuer>
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    <value>777</value>
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      <None>0</None>
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    <nameOfIssuer>EQUINIX INC COM</nameOfIssuer>
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      <Sole>303</Sole>
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    <nameOfIssuer>EQUINOR ASA SPONSORED ADR</nameOfIssuer>
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    <value>7592</value>
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      <Sole>212</Sole>
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    <nameOfIssuer>EQUITY RESIDENTIAL SH BEN INT</nameOfIssuer>
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    <cusip>29476L107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>400</Sole>
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    <nameOfIssuer>ESAB CORPORATION COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>326</None>
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    <nameOfIssuer>ESSENTIAL UTILS INC COM</nameOfIssuer>
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      <sshPrnamt>56701</sshPrnamt>
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      <Sole>56296</Sole>
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    <nameOfIssuer>ETSY INC COM</nameOfIssuer>
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    <cusip>29786A106</cusip>
    <value>47912</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
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      <Sole>0</Sole>
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      <None>400</None>
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    <nameOfIssuer>EVERCORE INC CLASS A</nameOfIssuer>
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    <value>109080</value>
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    <nameOfIssuer>EVERGY INC COM</nameOfIssuer>
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    <cusip>30034W106</cusip>
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    <nameOfIssuer>EVERSOURCE ENERGY COM</nameOfIssuer>
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    <cusip>30040W108</cusip>
    <value>16852</value>
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    <nameOfIssuer>EXELON CORP COM</nameOfIssuer>
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    <cusip>30161N101</cusip>
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    <nameOfIssuer>F&amp;G ANNUITIES &amp; LIFE INC COMMON STOCK ADDED</nameOfIssuer>
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    <cusip>30190A104</cusip>
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    <nameOfIssuer>EXPEDIA GROUP INC COM NEW</nameOfIssuer>
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      <sshPrnamt>60181</sshPrnamt>
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    <nameOfIssuer>EXPEDITORS INTL WASH INC COM</nameOfIssuer>
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    <value>36073</value>
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    <nameOfIssuer>EXTRA SPACE STORAGE INC COM</nameOfIssuer>
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    <value>883</value>
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      <Sole>6</Sole>
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    <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
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    <cusip>30231G102</cusip>
    <value>73210481</value>
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    <nameOfIssuer>FMC CORP COM NEW</nameOfIssuer>
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    <cusip>302491303</cusip>
    <value>2091648</value>
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      <Sole>237</Sole>
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    <nameOfIssuer>META PLATFORMS INC CL A</nameOfIssuer>
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    <cusip>30303M102</cusip>
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    <nameOfIssuer>FACTSET RESH SYS INC COM</nameOfIssuer>
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    <cusip>303075105</cusip>
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    <nameOfIssuer>FASTENAL CO COM</nameOfIssuer>
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    <value>91517</value>
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    <nameOfIssuer>FEDERAL RLTY INVT TR NEW SH BEN INT NEW</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>313745101</cusip>
    <value>1212</value>
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      <sshPrnamt>12</sshPrnamt>
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    <nameOfIssuer>FEDERATED HERMES INC CL B</nameOfIssuer>
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    <cusip>314211103</cusip>
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    <nameOfIssuer>FEDEX CORP COM</nameOfIssuer>
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    <cusip>31428X106</cusip>
    <value>1169668</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6625</Sole>
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    <nameOfIssuer>F5 INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>315616102</cusip>
    <value>3157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>22</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIDELITY NATL INFORMATION SV COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>31620M106</cusip>
    <value>5365253</value>
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      <sshPrnamt>79075</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL FNF GROUP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>31620R303</cusip>
    <value>953118</value>
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      <sshPrnamt>25335</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>21905</Sole>
      <Shared>0</Shared>
      <None>3430</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>316773100</cusip>
    <value>96281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST FINL BANKSHARES INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>32020R109</cusip>
    <value>2406693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>66962</Sole>
      <Shared>0</Shared>
      <None>3000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>320517105</cusip>
    <value>406700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7600</Sole>
      <Shared>0</Shared>
      <None>9000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST REP BK SAN FRANCISCO C COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>33616C100</cusip>
    <value>672223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5515</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD NY ARCA BIOTECH</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>33733E203</cusip>
    <value>34525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>224</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>33733E302</cusip>
    <value>109850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>775</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR NASDAQ 100 TECH IND SHS</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>337345102</cusip>
    <value>222056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2110</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR VALUE LINE DIVID IN SHS</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>33734H106</cusip>
    <value>35719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>895</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD INDLS PROD DUR</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>33734X150</cusip>
    <value>30906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD UTILITIES ALPH</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>33734X184</cusip>
    <value>32579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>981</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR ENERGY INCOME &amp; GRO COM</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-CLOSED ENDED</titleOfClass>
    <cusip>33738G104</cusip>
    <value>10940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>771</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI FST TR GLB FD</nameOfIssuer>
    <titleOfClass>DOMESTIC ALLOCATION FUND-ETF</titleOfClass>
    <cusip>33739H101</cusip>
    <value>10237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FISERV INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>337738108</cusip>
    <value>8187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>81</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>337932107</cusip>
    <value>989155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17435</Sole>
      <Shared>0</Shared>
      <None>6150</None>
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  <infoTable>
    <nameOfIssuer>FIVE BELOW INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>33829M101</cusip>
    <value>105945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>599</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALERISLIFE INC COM NEW</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>33832D205</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FLAHERTY &amp; CRUMRINE DYNAMIC SHS</nameOfIssuer>
    <titleOfClass>DOMESTIC ALLOCATION FUND-CLOSED ENDED</titleOfClass>
    <cusip>33848W106</cusip>
    <value>28065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>339041105</cusip>
    <value>506589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2758</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEXSHARES TR MORNSTAR UPSTR</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>33939L407</cusip>
    <value>79661310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1832558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1828503</Sole>
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      <None>3885</None>
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  <infoTable>
    <nameOfIssuer>FLEXSHARES TR IBOXX 3R TARGT</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>33939L506</cusip>
    <value>253404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10774</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>10774</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FLEXSHARES TR STOXX GLOBR INF</nameOfIssuer>
    <titleOfClass>GLOBAL SECTOR FUND-ETF</titleOfClass>
    <cusip>33939L795</cusip>
    <value>3377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>67</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC CL A</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>339750101</cusip>
    <value>3258868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46803</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
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      <Sole>46249</Sole>
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      <None>554</None>
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  <infoTable>
    <nameOfIssuer>FOMENTO ECONOMICO MEXICANO S SPON ADR UNITS</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>344419106</cusip>
    <value>93744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>345370860</cusip>
    <value>690171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59344</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48875</Sole>
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      <None>10469</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORTINET INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>34959E109</cusip>
    <value>906910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18550</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>475</Sole>
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      <None>18075</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORTIVE CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>34959J108</cusip>
    <value>9276045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144374</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
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      <Sole>140841</Sole>
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      <None>3533</None>
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    <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>34964C106</cusip>
    <value>514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>9</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FOUR CORNERS PPTY TR INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>35086T109</cusip>
    <value>11617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>448</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FOX CORP CL A COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>35137L105</cusip>
    <value>479330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15783</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN BSP RLTY TR INC COMMON STOCK</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>35243J101</cusip>
    <value>34211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2652</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANKLIN ELEC INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>353514102</cusip>
    <value>212614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2666</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC CL B</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>35671D857</cusip>
    <value>95000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FTAI INFRASTRUCTURE INC COMMON STOCK</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>35953C106</cusip>
    <value>82600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FUBOTV INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>35953D104</cusip>
    <value>1740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GABELLI DIVID &amp; INCOME TR COM</nameOfIssuer>
    <titleOfClass>EQUITIES</titleOfClass>
    <cusip>36242H104</cusip>
    <value>165670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>8038</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>363576109</cusip>
    <value>13434182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>GARRETT MOTION INC COM</nameOfIssuer>
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      <None>760</None>
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    <nameOfIssuer>GARTNER INC COM</nameOfIssuer>
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    <nameOfIssuer>GENERAC HLDGS INC COM</nameOfIssuer>
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    <nameOfIssuer>GENERAL DYNAMICS CORP COM</nameOfIssuer>
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    <nameOfIssuer>GENERAL ELECTRIC CO COM NEW</nameOfIssuer>
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    <nameOfIssuer>GENERAL MLS INC COM</nameOfIssuer>
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    <nameOfIssuer>GENERAL MTRS CO COM</nameOfIssuer>
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    <nameOfIssuer>GENTEX CORP COM</nameOfIssuer>
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    <nameOfIssuer>GENESIS ENERGY L P UNIT LTD PARTN</nameOfIssuer>
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    <cusip>371927104</cusip>
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    <nameOfIssuer>GENUINE PARTS CO COM</nameOfIssuer>
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    <nameOfIssuer>GILEAD SCIENCES INC COM</nameOfIssuer>
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    <nameOfIssuer>GSK PLC SPONSORED ADR</nameOfIssuer>
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    <nameOfIssuer>GLOBAL PMTS INC COM</nameOfIssuer>
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    <nameOfIssuer>GLOBAL X FDS AUTONMOUS EV ETF</nameOfIssuer>
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      <None>175</None>
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    <nameOfIssuer>GLOBAL X FDS US PFD ETF</nameOfIssuer>
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    <nameOfIssuer>GLOBAL X FDS US INFR DEV ETF</nameOfIssuer>
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    <cusip>37954Y673</cusip>
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    <nameOfIssuer>GLOBAL X FDS RENEWABLE ENERGY</nameOfIssuer>
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    <cusip>37954Y707</cusip>
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    <nameOfIssuer>GLOBAL X FDS GLOBAL X URANIUM</nameOfIssuer>
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    <cusip>37954Y871</cusip>
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    <nameOfIssuer>GLOBUS MED INC CL A</nameOfIssuer>
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    <nameOfIssuer>GLOBE LIFE INC COM</nameOfIssuer>
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    <cusip>37959E102</cusip>
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    <nameOfIssuer>GLOBAL INDEMNITY GROUP LLC COM CL A</nameOfIssuer>
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    <nameOfIssuer>GODADDY INC CL A</nameOfIssuer>
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    <nameOfIssuer>GOLDMAN SACHS GROUP INC COM</nameOfIssuer>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR ACTIVEBETA INT</nameOfIssuer>
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    <cusip>381430107</cusip>
    <value>43976</value>
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      <sshPrnamt>1528</sshPrnamt>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR ACTIVEBETA US LG</nameOfIssuer>
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    <cusip>381430503</cusip>
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    <nameOfIssuer>GOLUB CAP BDC INC COM</nameOfIssuer>
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    <cusip>38173M102</cusip>
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    <nameOfIssuer>GOODYEAR TIRE &amp; RUBR CO COM</nameOfIssuer>
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    <cusip>382550101</cusip>
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    <nameOfIssuer>GRACO INC COM</nameOfIssuer>
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    <cusip>384109104</cusip>
    <value>100890</value>
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    <nameOfIssuer>GRAINGER W W INC COM</nameOfIssuer>
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    <cusip>384802104</cusip>
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    <nameOfIssuer>GRAND CANYON ED INC COM</nameOfIssuer>
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    <cusip>38526M106</cusip>
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    <nameOfIssuer>GRUPO AEROPUERTO DEL PACIFIC SPON ADR B</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>400506101</cusip>
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    <nameOfIssuer>GUARANTY BANCSHARES INC TEX COM</nameOfIssuer>
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    <cusip>400764106</cusip>
    <value>121933</value>
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    <nameOfIssuer>GUIDEWIRE SOFTWARE INC COM</nameOfIssuer>
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    <cusip>40171V100</cusip>
    <value>13075</value>
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      <None>209</None>
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    <nameOfIssuer>HF SINCLAIR CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>403949100</cusip>
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      <sshPrnamt>14700</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>700</None>
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    <nameOfIssuer>HCA HEALTHCARE INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>40412C101</cusip>
    <value>22316</value>
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      <sshPrnamt>93</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HANCOCK JOHN TAX-ADVANTAGED COM</nameOfIssuer>
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    <nameOfIssuer>HAWAIIAN ELEC INDUSTRIES COM</nameOfIssuer>
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    <nameOfIssuer>HEICO CORP NEW COM</nameOfIssuer>
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    <nameOfIssuer>HELIOS TECHNOLOGIES INC COM</nameOfIssuer>
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    <nameOfIssuer>HENRY JACK &amp; ASSOC INC COM</nameOfIssuer>
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    <nameOfIssuer>HIGHPEAK ENERGY INC  W EXP 08/21/202</nameOfIssuer>
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    <nameOfIssuer>HOLLY ENERGY PARTNERS L P COM UT LTD PTN</nameOfIssuer>
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    <nameOfIssuer>HUDSON PAC PPTYS INC COM</nameOfIssuer>
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    <nameOfIssuer>HUMANA INC COM</nameOfIssuer>
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    <nameOfIssuer>HUNT J B TRANS SVCS INC COM</nameOfIssuer>
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    <nameOfIssuer>HUNTINGTON BANCSHARES INC COM</nameOfIssuer>
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    <nameOfIssuer>HUNTINGTON INGALLS INDS INC COM</nameOfIssuer>
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    <nameOfIssuer>IAC INC COM NEW</nameOfIssuer>
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    <nameOfIssuer>CRESCENT ENERGY COMPANY CL A COM</nameOfIssuer>
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    <nameOfIssuer>ITT INC COM</nameOfIssuer>
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    <nameOfIssuer>ICAHN ENTERPRISES LP DEPOSITARY UNIT</nameOfIssuer>
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    <nameOfIssuer>IDACORP INC COM</nameOfIssuer>
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    <nameOfIssuer>IDEAL PWR INC COM NEW</nameOfIssuer>
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    <nameOfIssuer>IDEX CORP COM</nameOfIssuer>
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    <nameOfIssuer>IDEXX LABS INC COM</nameOfIssuer>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC COM</nameOfIssuer>
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    <nameOfIssuer>ILLUMINA INC COM</nameOfIssuer>
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    <nameOfIssuer>INCYTE CORP COM</nameOfIssuer>
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    <nameOfIssuer>INDEPENDENT BANK GROUP INC COM</nameOfIssuer>
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    <nameOfIssuer>INDIA FD INC COM</nameOfIssuer>
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    <nameOfIssuer>INDUSTRIAL LOGISTICS PPTYS T COM SHS BEN INT</nameOfIssuer>
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    <nameOfIssuer>INGERSOLL RAND INC COM</nameOfIssuer>
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    <nameOfIssuer>INGREDION INC COM</nameOfIssuer>
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    <nameOfIssuer>INSPERITY INC COM</nameOfIssuer>
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    <nameOfIssuer>INSEEGO CORP COM</nameOfIssuer>
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    <nameOfIssuer>INTEL CORP COM</nameOfIssuer>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS COM</nameOfIssuer>
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    <nameOfIssuer>INTERNATIONAL FLAVORS&amp;FRAGRA COM</nameOfIssuer>
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    <nameOfIssuer>INTERPUBLIC GROUP COS INC COM</nameOfIssuer>
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    <nameOfIssuer>INVESCO QQQ TR UNIT SER 1</nameOfIssuer>
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    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD OPTIMUM YIELD</nameOfIssuer>
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    <nameOfIssuer>INTUIT COM</nameOfIssuer>
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    <nameOfIssuer>INTUITIVE SURGICAL INC COM NEW</nameOfIssuer>
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    <cusip>46120E602</cusip>
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    <nameOfIssuer>INVESCO SR INCOME TR COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>89762</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO TR INVT GRADE MUNS COM</nameOfIssuer>
    <titleOfClass>DOMESTIC TAX EX INVT GRADE-CLOSED ENDED</titleOfClass>
    <cusip>46131M106</cusip>
    <value>100078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9958</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>46137V100</cusip>
    <value>1019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T S&amp;P500 QUALITY</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>46137V241</cusip>
    <value>167200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T S&amp;P500 PUR VAL</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>46137V258</cusip>
    <value>121415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1557</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T S&amp;P500 EQL TEC</nameOfIssuer>
    <titleOfClass>EQUITIES</titleOfClass>
    <cusip>46137V282</cusip>
    <value>25270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>104</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T S&amp;P500 EQL WGT</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>46137V357</cusip>
    <value>26892729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>186246</Sole>
      <Shared>0</Shared>
      <None>4145</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T S&amp;P500 BUY WRT</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>46137V399</cusip>
    <value>22052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1096</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI</nameOfIssuer>
    <titleOfClass>INTL DEVELOPED MKTS FUND-ETF</titleOfClass>
    <cusip>46137V548</cusip>
    <value>32504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1944</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>46137V613</cusip>
    <value>387875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T DYNMC LRG VALU</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>46137V738</cusip>
    <value>7527061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>159946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>159946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T DWA MOMENTUM</nameOfIssuer>
    <titleOfClass>DOMESTIC MULTI CAP FUND-ETF</titleOfClass>
    <cusip>46137V837</cusip>
    <value>163699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>473</Sole>
      <Shared>0</Shared>
      <None>1831</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II CEF INM COMPSI</nameOfIssuer>
    <titleOfClass>DOMESTIC ALLOCATION FUND-ETF</titleOfClass>
    <cusip>46138E404</cusip>
    <value>18120</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>INVESCO EXCH TRADED FD TR II PFD ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>46138E511</cusip>
    <value>987503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>86618</Sole>
      <Shared>0</Shared>
      <None>1710</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II NATL AMT MUNI</nameOfIssuer>
    <titleOfClass>DOMESTIC TAX EX INVT GRADE-ETF</titleOfClass>
    <cusip>46138E537</cusip>
    <value>83639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3646</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II KBW HIG DV YLD</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>46138E610</cusip>
    <value>2211138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>148180</Sole>
      <Shared>400</Shared>
      <None>218</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II SR LN ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE HIGH YIELD FUND-ETF</titleOfClass>
    <cusip>46138G508</cusip>
    <value>2686330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>130849</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II SOLAR ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>46138G706</cusip>
    <value>72940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IQVIA HLDGS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>46266C105</cusip>
    <value>1434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL COM</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>46284V101</cusip>
    <value>100498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
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      <None>2000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR ISHARES NEW</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>464285204</cusip>
    <value>27361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>791</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC MSCI WORLD ETF</nameOfIssuer>
    <titleOfClass>GLOBAL FUND-ETF</titleOfClass>
    <cusip>464286392</cusip>
    <value>600875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES INC MSCI EURZONE ETF</nameOfIssuer>
    <titleOfClass>GLOBAL FUND-ETF</titleOfClass>
    <cusip>464286608</cusip>
    <value>16580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>420</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P TTL STK</nameOfIssuer>
    <titleOfClass>DOMESTIC MULTI CAP FUND-ETF</titleOfClass>
    <cusip>464287150</cusip>
    <value>273056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3220</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3220</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR SELECT DIVID ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>18093332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150028</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>148528</Sole>
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      <None>1500</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR TIPS BD ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>5301564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49808</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>49808</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P500 ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>2556926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6655</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>5408</Sole>
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      <None>1247</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR CORE US AGGBD ET</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>464287226</cusip>
    <value>31462741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>317388</Sole>
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      <None>7004</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI EMG MKT ETF</nameOfIssuer>
    <titleOfClass>INTL EMERGING MKTS FUND-ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>9033203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>238343</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>237759</Sole>
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      <None>584</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR IBOXX INV CP ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>541278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5134</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5034</Sole>
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      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR S&amp;P 500 GRWT ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>7489521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128026</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>128026</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR GLOBAL ENERG ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>464287341</cusip>
    <value>4139529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106169</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>106169</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR S&amp;P 500 VAL ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>22969472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
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      <Sole>158334</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR 20 YR TR BD ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>464287432</cusip>
    <value>226300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2273</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR 7-10 YR TRSY BD</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>464287440</cusip>
    <value>347107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>3624</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR 1 3 YR TREAS BD</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>464287457</cusip>
    <value>8703339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>107102</Sole>
      <Shared>0</Shared>
      <None>122</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>INTL DEVELOPED MKTS FUND-ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>85235769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1298534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>1289561</Sole>
      <Shared>0</Shared>
      <None>8973</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS MDCP VAL ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC MID CAP FUND-ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>1115340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10474</Sole>
      <Shared>0</Shared>
      <None>114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS MD CP GR ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC MID CAP FUND-ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>32182238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>384201</Sole>
      <Shared>0</Shared>
      <None>754</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS MID CAP ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC MID CAP FUND-ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>2169867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30970</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P MCP ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC MID CAP FUND-ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>17046696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>68172</Sole>
      <Shared>28</Shared>
      <None>2273</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR ISHARES BIOTECH</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>464287556</cusip>
    <value>39387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR COHEN STEER REIT</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>464287564</cusip>
    <value>33931885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>618743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>617117</Sole>
      <Shared>400</Shared>
      <None>1226</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 1000 VAL ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>45836981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>296584</Sole>
      <Shared>0</Shared>
      <None>5671</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR S&amp;P MC 400GR ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC MID CAP FUND-ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>6233126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>90421</Sole>
      <Shared>0</Shared>
      <None>840</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 1000 GRW ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>67588162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>315479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 2000 VAL ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SMALL CAP FUND-ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>897334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6471</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUS 2000 GRW ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SMALL CAP FUND-ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>3742087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>17444</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SMALL CAP FUND-ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>7420272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>42512</Sole>
      <Shared>45</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P US VLU</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>464287663</cusip>
    <value>141613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>1276</Sole>
      <Shared>0</Shared>
      <None>729</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P US GWT</nameOfIssuer>
    <titleOfClass>DOMESTIC MULTI CAP FUND-ETF</titleOfClass>
    <cusip>464287671</cusip>
    <value>31548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR S&amp;P MC 400VL ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC MID CAP FUND-ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>39179072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>388681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>388681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P SCP ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SMALL CAP FUND-ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>2371990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>20950</Sole>
      <Shared>0</Shared>
      <None>4113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR DOW JONES US ETF</nameOfIssuer>
    <titleOfClass>EQUITIES</titleOfClass>
    <cusip>464287846</cusip>
    <value>885004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR S&amp;P SML 600 GWT</nameOfIssuer>
    <titleOfClass>DOMESTIC SMALL CAP FUND-ETF</titleOfClass>
    <cusip>464287887</cusip>
    <value>135088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR SHRT NAT MUN ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC TAX EX INVT GRADE-ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>1246339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>11953</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI AC ASIA ETF</nameOfIssuer>
    <titleOfClass>INTL EMERGING MKTS FUND-ETF</titleOfClass>
    <cusip>464288182</cusip>
    <value>388740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI ACWI EX US</nameOfIssuer>
    <titleOfClass>INTL DEVELOPED MKTS FUND-ETF</titleOfClass>
    <cusip>464288240</cusip>
    <value>29348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR EAFE SML CP ETF</nameOfIssuer>
    <titleOfClass>INTL DEVELOPED MKTS FUND-ETF</titleOfClass>
    <cusip>464288273</cusip>
    <value>5199097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>92052</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR JPMORGAN USD EMG</nameOfIssuer>
    <titleOfClass>INTL TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>464288281</cusip>
    <value>81037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>958</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR NATIONAL MUN ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC TAX EX INVT GRADE-ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>53604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>508</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR IBOXX HI YD ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE HIGH YIELD FUND-ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>12227451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>166066</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MBS ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>2226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>24</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR ISHS 5-10YR INVT</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>464288638</cusip>
    <value>35053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>708</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR PFD AND INCM SEC</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE HIGH YIELD FUND-ETF</titleOfClass>
    <cusip>464288687</cusip>
    <value>18318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR US AER DEF ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>464288760</cusip>
    <value>89488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI EURO FL ETF</nameOfIssuer>
    <titleOfClass>INTL DEVELOPED MKTS FUND-ETF</titleOfClass>
    <cusip>464289180</cusip>
    <value>8344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>476</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR ISHARES</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>168673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>7160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR US TREAS BD ETF</nameOfIssuer>
    <titleOfClass>EQUITIES</titleOfClass>
    <cusip>46429B267</cusip>
    <value>87381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3846</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR MSCI INDIA ETF</nameOfIssuer>
    <titleOfClass>GLOBAL FUND-ETF</titleOfClass>
    <cusip>46429B598</cusip>
    <value>56975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1365</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR CORE MSCI EAFE</nameOfIssuer>
    <titleOfClass>INTL DEVELOPED MKTS FUND-ETF</titleOfClass>
    <cusip>46432F842</cusip>
    <value>975823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
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      <Sole>13152</Sole>
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      <None>2679</None>
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    <nameOfIssuer>ISHARES INC CORE MSCI EMKT</nameOfIssuer>
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    <cusip>46434G103</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3846</Sole>
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      <None>2622</None>
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    <nameOfIssuer>ISHARES INC MSCI JPN ETF NEW</nameOfIssuer>
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    <cusip>46434G822</cusip>
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      <sshPrnamt>478</sshPrnamt>
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      <Sole>0</Sole>
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      <None>478</None>
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    <nameOfIssuer>ISHARES TR CORE TOTAL USD</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>46434V613</cusip>
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      <Sole>445</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES TR CORE DIV GRWTH</nameOfIssuer>
    <titleOfClass>DOMESTIC MULTI CAP FUND-ETF</titleOfClass>
    <cusip>46434V621</cusip>
    <value>243300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4866</sshPrnamt>
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      <None>4866</None>
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    <nameOfIssuer>ISHARES TR CORE INTL AGGR</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>46435G672</cusip>
    <value>4743716</value>
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      <sshPrnamt>99763</sshPrnamt>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>46625H100</cusip>
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    <nameOfIssuer>JABIL INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>466313103</cusip>
    <value>6888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
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      <Sole>101</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>46982L108</cusip>
    <value>189230</value>
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      <sshPrnamt>1576</sshPrnamt>
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      <Sole>6</Sole>
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      <None>1570</None>
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    <nameOfIssuer>JEFFERIES FINL GROUP INC COM</nameOfIssuer>
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    <cusip>47233W109</cusip>
    <value>166841</value>
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      <sshPrnamt>4867</sshPrnamt>
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      <None>4867</None>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
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      <None>52208</None>
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    <nameOfIssuer>JOINT CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>47973J102</cusip>
    <value>55920</value>
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      <sshPrnamt>4000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>4000</None>
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    <nameOfIssuer>KLA CORP COM NEW</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>482480100</cusip>
    <value>6906278</value>
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      <sshPrnamt>18318</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>17882</Sole>
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      <None>436</None>
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    <nameOfIssuer>KKR &amp; CO INC COM</nameOfIssuer>
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    <cusip>48251W104</cusip>
    <value>4703793</value>
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      <sshPrnamt>101331</sshPrnamt>
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      <Sole>101319</Sole>
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      <None>12</None>
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    <nameOfIssuer>KAYNE ANDERSON ENERGY INFRST COM</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-CLOSED ENDED</titleOfClass>
    <cusip>486606106</cusip>
    <value>29352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3429</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3429</Sole>
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      <None>0</None>
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    <nameOfIssuer>KELLOGG CO COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>487836108</cusip>
    <value>576545</value>
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      <sshPrnamt>8093</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>7203</Sole>
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      <None>890</None>
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  <infoTable>
    <nameOfIssuer>KEURIG DR PEPPER INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>49271V100</cusip>
    <value>1168115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32757</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1799</Sole>
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      <None>30958</None>
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    <nameOfIssuer>KEYCORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>493267108</cusip>
    <value>496609</value>
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      <sshPrnamt>28508</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>28508</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>49338L103</cusip>
    <value>91009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>532</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>532</Sole>
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      <None>0</None>
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    <nameOfIssuer>KIMBELL RTY PARTNERS LP UNIT</nameOfIssuer>
    <titleOfClass>MLP PUBLIC EXCHANGE (K-1)</titleOfClass>
    <cusip>49435R102</cusip>
    <value>17225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1031</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>0</None>
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    <nameOfIssuer>KIMBERLY-CLARK CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>494368103</cusip>
    <value>4314775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31785</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>11732</None>
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    <nameOfIssuer>KIMCO RLTY CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>49446R109</cusip>
    <value>115119</value>
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      <sshPrnamt>5435</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5435</Sole>
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      <None>0</None>
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    <nameOfIssuer>KINDER MORGAN INC DEL COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>49456B101</cusip>
    <value>1182343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65395</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
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      <Sole>40159</Sole>
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      <None>25236</None>
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    <nameOfIssuer>KIRBY CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>497266106</cusip>
    <value>1295945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20139</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>20139</None>
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    <nameOfIssuer>KOHLS CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>500255104</cusip>
    <value>278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11</Sole>
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      <None>0</None>
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    <nameOfIssuer>KONINKLIJKE PHILIPS N V NY REGIS SHS NEW</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>500472303</cusip>
    <value>3777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>252</Sole>
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      <None>0</None>
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    <nameOfIssuer>KONTOOR BRANDS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>50050N103</cusip>
    <value>560</value>
    <shrsOrPrnAmt>
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      <Sole>14</Sole>
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    <nameOfIssuer>KRAFT HEINZ CO COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>500754106</cusip>
    <value>789896</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>4702</Sole>
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      <None>14701</None>
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    <nameOfIssuer>KRATOS DEFENSE &amp; SEC SOLUTIO COM NEW</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>50077B207</cusip>
    <value>1961</value>
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      <sshPrnamt>190</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>190</None>
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    <nameOfIssuer>KROGER CO COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>501044101</cusip>
    <value>738245</value>
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      <sshPrnamt>16560</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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    <nameOfIssuer>KYNDRYL HLDGS INC COMMON STOCK</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>50155Q100</cusip>
    <value>701</value>
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      <sshPrnamt>63</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>10</None>
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    <nameOfIssuer>LKQ CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>501889208</cusip>
    <value>110345</value>
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      <None>2050</None>
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    <nameOfIssuer>LCI INDS COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>50189K103</cusip>
    <value>120185</value>
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      <sshPrnamt>1300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <None>1300</None>
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    <nameOfIssuer>LPL FINL HLDGS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>50212V100</cusip>
    <value>648510</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2700</Sole>
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      <None>300</None>
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    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>502431109</cusip>
    <value>8337382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40043</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
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      <None>1919</None>
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    <nameOfIssuer>LABORATORY CORP AMER HLDGS COM NEW</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>50540R409</cusip>
    <value>300755</value>
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      <sshPrnamt>1277</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>600</None>
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    <nameOfIssuer>LAM RESEARCH CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>512807108</cusip>
    <value>11005600</value>
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      <sshPrnamt>26185</sshPrnamt>
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    <nameOfIssuer>LEGGETT &amp; PLATT INC COM</nameOfIssuer>
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    <nameOfIssuer>LIBERTY BROADBAND CORP COM SER C</nameOfIssuer>
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    <nameOfIssuer>LIBERTY MEDIA CORP DEL COM C SIRIUSXM</nameOfIssuer>
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    <nameOfIssuer>LILLY ELI &amp; CO COM</nameOfIssuer>
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    <nameOfIssuer>LINCOLN ELEC HLDGS INC COM</nameOfIssuer>
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    <nameOfIssuer>LISTED FD TR HORIZON KINETICS</nameOfIssuer>
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    <nameOfIssuer>LOEWS CORP COM</nameOfIssuer>
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    <nameOfIssuer>LOWES COS INC COM</nameOfIssuer>
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    <nameOfIssuer>LUCID GROUP INC COM</nameOfIssuer>
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    <nameOfIssuer>LULULEMON ATHLETICA INC COM</nameOfIssuer>
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    <nameOfIssuer>LUMEN TECHNOLOGIES INC COM</nameOfIssuer>
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    <nameOfIssuer>MFS MULTIMARKET INCOME TR SH BEN INT</nameOfIssuer>
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    <nameOfIssuer>MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP</nameOfIssuer>
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    <nameOfIssuer>MARKETAXESS HLDGS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>57060D108</cusip>
    <value>558</value>
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      <None>0</None>
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    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC COM</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>MARRIOTT INTL INC NEW CL A</nameOfIssuer>
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      <Sole>11678</Sole>
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    <nameOfIssuer>MARTIN MARIETTA MATLS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
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    <nameOfIssuer>MARVELL TECHNOLOGY INC COM</nameOfIssuer>
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    <nameOfIssuer>MASCO CORP COM</nameOfIssuer>
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    <nameOfIssuer>MASTERCARD INCORPORATED CL A</nameOfIssuer>
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    <cusip>57636Q104</cusip>
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      <Sole>194160</Sole>
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    <nameOfIssuer>MASTERBRAND INC COMMON STOCK ADDED</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>MATADOR RES CO COM</nameOfIssuer>
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      <None>500</None>
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    <nameOfIssuer>MATCH GROUP INC NEW COM</nameOfIssuer>
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    <nameOfIssuer>MATTERPORT INC COM CL A</nameOfIssuer>
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      <sshPrnamt>250</sshPrnamt>
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    <nameOfIssuer>MAXAR TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
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      <None>100</None>
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    <nameOfIssuer>MCCORMICK &amp; CO INC COM NON VTG</nameOfIssuer>
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      <Sole>2044</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer>
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    <value>24520273</value>
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      <sshPrnamt>93046</sshPrnamt>
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      <Sole>73647</Sole>
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      <None>19399</None>
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    <nameOfIssuer>MCKESSON CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>58155Q103</cusip>
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      <sshPrnamt>5394</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>708</Sole>
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      <None>4686</None>
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    <nameOfIssuer>MEDICAL PPTYS TRUST INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>58463J304</cusip>
    <value>32919</value>
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      <sshPrnamt>2955</sshPrnamt>
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      <Sole>2955</Sole>
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      <None>0</None>
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    <nameOfIssuer>MERCADOLIBRE INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
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    <value>5924</value>
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      <sshPrnamt>7</sshPrnamt>
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    <nameOfIssuer>MERCK &amp; CO INC COM</nameOfIssuer>
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      <Sole>311247</Sole>
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    <nameOfIssuer>METLIFE INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>59156R108</cusip>
    <value>676687</value>
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      <sshPrnamt>9350</sshPrnamt>
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    <nameOfIssuer>METTLER TOLEDO INTERNATIONAL COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>592688105</cusip>
    <value>73718</value>
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      <None>50</None>
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    <nameOfIssuer>MICROSOFT CORP COM</nameOfIssuer>
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      <sshPrnamt>1084655</sshPrnamt>
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    <nameOfIssuer>MICROCHIP TECHNOLOGY INC. COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>595017104</cusip>
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      <Sole>6890</Sole>
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    <nameOfIssuer>MICRON TECHNOLOGY INC COM</nameOfIssuer>
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    <cusip>595112103</cusip>
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    <nameOfIssuer>MID-AMER APT CMNTYS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>59522J103</cusip>
    <value>785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
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    <nameOfIssuer>MODERNA INC COM</nameOfIssuer>
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    <cusip>60770K107</cusip>
    <value>718</value>
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      <Sole>4</Sole>
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    <nameOfIssuer>MOHAWK INDS INC COM</nameOfIssuer>
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    <cusip>608190104</cusip>
    <value>10222</value>
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    <nameOfIssuer>MOLSON COORS BEVERAGE CO CL B</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>60871R209</cusip>
    <value>567</value>
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    <nameOfIssuer>MONDELEZ INTL INC CL A</nameOfIssuer>
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    <nameOfIssuer>MONOLITHIC PWR SYS INC COM</nameOfIssuer>
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    <cusip>609839105</cusip>
    <value>324614</value>
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    <nameOfIssuer>MONSTER BEVERAGE CORP NEW COM</nameOfIssuer>
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    <value>8630</value>
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    <nameOfIssuer>MOODYS CORP COM</nameOfIssuer>
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    <cusip>615369105</cusip>
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    <nameOfIssuer>MORGAN STANLEY COM NEW</nameOfIssuer>
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    <cusip>617446448</cusip>
    <value>1446360</value>
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    <nameOfIssuer>MORGAN STANLEY EMKT DBT FD I COM</nameOfIssuer>
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    <cusip>61744H105</cusip>
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    <nameOfIssuer>MORNINGSTAR INC COM</nameOfIssuer>
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    <nameOfIssuer>MOSAIC CO NEW COM</nameOfIssuer>
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    <nameOfIssuer>MOTOROLA SOLUTIONS INC COM NEW</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>42</None>
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  <infoTable>
    <nameOfIssuer>MUELLER WTR PRODS INC COM SER A</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>624758108</cusip>
    <value>1076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MULLEN AUTOMOTIVE INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>62526P109</cusip>
    <value>5148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18000</None>
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  <infoTable>
    <nameOfIssuer>MURPHY OIL CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>626717102</cusip>
    <value>13548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>315</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NCR CORP NEW COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>62886E108</cusip>
    <value>23410</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>NRG ENERGY INC COM NEW</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>629377508</cusip>
    <value>605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NOV INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>62955J103</cusip>
    <value>1776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>85</None>
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  <infoTable>
    <nameOfIssuer>NASDAQ INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>631103108</cusip>
    <value>23432646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>381950</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>376550</Sole>
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      <None>5400</None>
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  <infoTable>
    <nameOfIssuer>NATIONAL INSTRS CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>636518102</cusip>
    <value>754716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20453</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2565</Sole>
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      <None>17888</None>
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  <infoTable>
    <nameOfIssuer>NATIONAL RETAIL PROPERTIES I COM</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>637417106</cusip>
    <value>8237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>180</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NATURAL GROCERS BY VITAMIN C COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>63888U108</cusip>
    <value>1737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>190</None>
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  <infoTable>
    <nameOfIssuer>NEOGEN CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>640491106</cusip>
    <value>345127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22661</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NETAPP INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>64110D104</cusip>
    <value>42823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NETFLIX INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>64110L106</cusip>
    <value>1385051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>4287</Sole>
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      <None>410</None>
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  <infoTable>
    <nameOfIssuer>NETEASE INC SPONSORED ADS</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>64110W102</cusip>
    <value>11621</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEW GOLD INC CDA COM</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>644535106</cusip>
    <value>466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>475</None>
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  <infoTable>
    <nameOfIssuer>NEW JERSEY RES CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>646025106</cusip>
    <value>7840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>158</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEW YORK CMNTY BANCORP INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>649445103</cusip>
    <value>114380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEWELL BRANDS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>651229106</cusip>
    <value>583290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44594</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEWMONT CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>651639106</cusip>
    <value>246290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30</Sole>
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      <None>5188</None>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>65339F101</cusip>
    <value>10630463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
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      <Sole>125464</Sole>
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      <None>1695</None>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY PARTNERS LP COM UNIT PART IN</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>65341B106</cusip>
    <value>14018</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>NIKE INC CL B</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>654106103</cusip>
    <value>12515785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106963</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>99205</Sole>
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      <None>7758</None>
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  <infoTable>
    <nameOfIssuer>NOKIA CORP SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>654902204</cusip>
    <value>35733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>6201</Sole>
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      <None>1500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NORDSTROM INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>655664100</cusip>
    <value>25824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>1600</None>
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  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>655844108</cusip>
    <value>6355885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>24253</Sole>
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      <None>1540</None>
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  <infoTable>
    <nameOfIssuer>NORTHERN OIL AND GAS INC MN COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>665531307</cusip>
    <value>701155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22750</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>22750</None>
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  <infoTable>
    <nameOfIssuer>NORTHERN TR CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>665859104</cusip>
    <value>46634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>527</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>119</Sole>
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      <None>408</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>666807102</cusip>
    <value>1076825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
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      <Sole>1874</Sole>
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      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NOVARTIS AG SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>66987V109</cusip>
    <value>2324791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25626</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>15545</Sole>
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      <None>10081</None>
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  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S ADR</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>670100205</cusip>
    <value>5753439</value>
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      <sshPrnamt>42511</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3536</Sole>
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      <None>38975</None>
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  <infoTable>
    <nameOfIssuer>NUCOR CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>670346105</cusip>
    <value>547913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4157</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2331</Sole>
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      <None>1826</None>
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  <infoTable>
    <nameOfIssuer>NUSTAR ENERGY LP UNIT COM</nameOfIssuer>
    <titleOfClass>MLP PUBLIC EXCHANGE (K-1)</titleOfClass>
    <cusip>67058H102</cusip>
    <value>210624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7115</Sole>
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      <None>6049</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN SELECT TAX-FREE INCOM SH BEN INT</nameOfIssuer>
    <titleOfClass>DOMESTIC TAX EX INVT GRADE-CLOSED ENDED</titleOfClass>
    <cusip>67062F100</cusip>
    <value>22701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1632</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC TAX EX INVT GRADE-CLOSED ENDED</titleOfClass>
    <cusip>670657105</cusip>
    <value>106810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1726</Sole>
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      <None>7668</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>67066G104</cusip>
    <value>25330731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>168496</Sole>
      <Shared>46</Shared>
      <None>4790</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME COM</nameOfIssuer>
    <titleOfClass>DOMESTIC TAX EX INVT GRADE-CLOSED ENDED</titleOfClass>
    <cusip>67066V101</cusip>
    <value>140833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <cusip>67070X101</cusip>
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      <Sole>4852</Sole>
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      <None>53728</None>
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    <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F COM</nameOfIssuer>
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    <cusip>67071L106</cusip>
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    <nameOfIssuer>OCCIDENTAL PETE CORP  W EXP 08/03/202</nameOfIssuer>
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    <cusip>674599162</cusip>
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    <nameOfIssuer>OFFICE PPTYS INCOME TR COM SHS BEN INT</nameOfIssuer>
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    <cusip>67623C109</cusip>
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    <nameOfIssuer>OLD REP INTL CORP COM</nameOfIssuer>
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    <nameOfIssuer>OMNICOM GROUP INC COM</nameOfIssuer>
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    <nameOfIssuer>ON SEMICONDUCTOR CORP COM</nameOfIssuer>
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    <nameOfIssuer>ONEOK INC NEW COM</nameOfIssuer>
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    <nameOfIssuer>ONEMAIN HLDGS INC COM</nameOfIssuer>
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    <nameOfIssuer>ORACLE CORP COM</nameOfIssuer>
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    <cusip>68620A203</cusip>
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      <sshPrnamt>40</sshPrnamt>
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    <nameOfIssuer>ORGANON &amp; CO COMMON STOCK</nameOfIssuer>
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    <nameOfIssuer>ORION OFFICE REIT INC COM</nameOfIssuer>
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    <nameOfIssuer>OSHKOSH CORP COM</nameOfIssuer>
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    <value>51856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>588</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>588</Sole>
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      <None>0</None>
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    <nameOfIssuer>OTIS WORLDWIDE CORP COM</nameOfIssuer>
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    <nameOfIssuer>OWENS CORNING NEW COM</nameOfIssuer>
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    <value>71737</value>
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      <sshPrnamt>841</sshPrnamt>
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    <nameOfIssuer>OXFORD INDS INC COM</nameOfIssuer>
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    <nameOfIssuer>PNC FINL SVCS GROUP INC COM</nameOfIssuer>
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    <nameOfIssuer>PPG INDS INC COM</nameOfIssuer>
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    <nameOfIssuer>PPL CORP COM</nameOfIssuer>
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    <nameOfIssuer>PVH CORPORATION COM</nameOfIssuer>
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    <nameOfIssuer>PTC INC COM</nameOfIssuer>
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    <nameOfIssuer>PACCAR INC COM</nameOfIssuer>
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    <cusip>693718108</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>PACIRA BIOSCIENCES INC COM</nameOfIssuer>
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    <cusip>695127100</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>PACKAGING CORP AMER COM</nameOfIssuer>
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    <cusip>695156109</cusip>
    <value>923612</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>PALANTIR TECHNOLOGIES INC CL A</nameOfIssuer>
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    <cusip>69608A108</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>PALO ALTO NETWORKS INC COM</nameOfIssuer>
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    <cusip>697435105</cusip>
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    <nameOfIssuer>PAYPAL HLDGS INC COM</nameOfIssuer>
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    <nameOfIssuer>PENN ENTERTAINMENT INC COM</nameOfIssuer>
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    <nameOfIssuer>PENSKE AUTOMOTIVE GRP INC COM</nameOfIssuer>
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    <nameOfIssuer>PEPSICO INC COM</nameOfIssuer>
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    <nameOfIssuer>PERMIAN BASIN RTY TR UNIT BEN INT</nameOfIssuer>
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    <nameOfIssuer>PERMIAN RESOURCES CORP CLASS A COM</nameOfIssuer>
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    <nameOfIssuer>PERMIANVILLE RTY TR TR UNIT</nameOfIssuer>
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    <nameOfIssuer>PETROLEO BRASILEIRO SA PETRO SPONSORED ADR</nameOfIssuer>
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    <nameOfIssuer>PFIZER INC COM</nameOfIssuer>
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    <nameOfIssuer>PHILIP MORRIS INTL INC COM</nameOfIssuer>
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    <nameOfIssuer>PHILLIPS 66 COM</nameOfIssuer>
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    <nameOfIssuer>PIMCO MUN INCOME FD III COM</nameOfIssuer>
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    <nameOfIssuer>PIMCO ETF TR ENHAN SHRT MA AC</nameOfIssuer>
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    <nameOfIssuer>PIMCO DYNAMIC INCOME FD SHS</nameOfIssuer>
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    <nameOfIssuer>PINDUODUO INC SPONSORED ADS</nameOfIssuer>
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    <nameOfIssuer>PINTEREST INC CL A</nameOfIssuer>
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    <nameOfIssuer>PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN</nameOfIssuer>
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    <nameOfIssuer>PLANET FITNESS INC CL A</nameOfIssuer>
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    <nameOfIssuer>PLUG POWER INC COM NEW</nameOfIssuer>
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    <nameOfIssuer>POST HLDGS INC COM</nameOfIssuer>
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    <nameOfIssuer>PRICE T ROWE GROUP INC COM</nameOfIssuer>
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    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN COM</nameOfIssuer>
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    <nameOfIssuer>PROLOGIS INC. COM</nameOfIssuer>
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    <nameOfIssuer>PROSHARES TR SHRT 20 YR TRE</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>74347X849</cusip>
    <value>34020</value>
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    <nameOfIssuer>PROSHARES TR S&amp;P 500 DV ARIST</nameOfIssuer>
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    <cusip>74348A467</cusip>
    <value>35996</value>
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      <Sole>400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
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      <sshPrnamt>59421</sshPrnamt>
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      <None>47433</None>
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    <nameOfIssuer>PRUDENTIAL FINL INC COM</nameOfIssuer>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>744573106</cusip>
    <value>1120199</value>
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      <Sole>42</Sole>
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      <None>18241</None>
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    <nameOfIssuer>PUBLIC STORAGE COM</nameOfIssuer>
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    <cusip>74460D109</cusip>
    <value>137785</value>
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      <sshPrnamt>492</sshPrnamt>
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      <None>365</None>
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    <nameOfIssuer>PULTE GROUP INC COM</nameOfIssuer>
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    <value>157029</value>
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      <sshPrnamt>3449</sshPrnamt>
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      <Sole>791</Sole>
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      <None>2658</None>
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    <nameOfIssuer>PUTNAM MUN OPPORTUNITIES TR SH BEN INT</nameOfIssuer>
    <titleOfClass>DOMESTIC TAX EX INVT GRADE-CLOSED ENDED</titleOfClass>
    <cusip>746922103</cusip>
    <value>20365</value>
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      <sshPrnamt>1877</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1877</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUALCOMM INC COM</nameOfIssuer>
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    <cusip>747525103</cusip>
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      <None>7740</None>
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    <nameOfIssuer>QUEST DIAGNOSTICS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>74834L100</cusip>
    <value>782</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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      <None>0</None>
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    <nameOfIssuer>RBB FD INC MOTLEY FOOL MID</nameOfIssuer>
    <titleOfClass>EQUITIES</titleOfClass>
    <cusip>74933W627</cusip>
    <value>91867</value>
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      <Sole>4306</Sole>
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      <None>0</None>
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    <nameOfIssuer>RMR GROUP INC CL A</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>74967R106</cusip>
    <value>367</value>
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      <sshPrnamt>13</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>RADIAN GROUP INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>750236101</cusip>
    <value>22884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1200</Sole>
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      <None>0</None>
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    <nameOfIssuer>RAMBUS INC DEL COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>750917106</cusip>
    <value>140307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3917</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>3917</None>
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    <nameOfIssuer>RALPH LAUREN CORP CL A</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>751212101</cusip>
    <value>137688</value>
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      <sshPrnamt>1303</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1303</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>754730109</cusip>
    <value>16775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>157</None>
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    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>75513E101</cusip>
    <value>5967222</value>
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      <sshPrnamt>59128</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>32569</Sole>
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      <None>26559</None>
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  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>756109104</cusip>
    <value>497010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7836</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>7836</Sole>
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      <None>0</None>
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    <nameOfIssuer>REDFIN CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>75737F108</cusip>
    <value>153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>36</None>
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    <nameOfIssuer>REGAL REXNORD CORPORATION COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>758750103</cusip>
    <value>5879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>49</Sole>
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      <None>0</None>
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    <nameOfIssuer>REGENCY CTRS CORP COM</nameOfIssuer>
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    <cusip>758849103</cusip>
    <value>563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
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      <Sole>9</Sole>
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      <None>0</None>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>75886F107</cusip>
    <value>235927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>327</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>31</Sole>
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    <nameOfIssuer>REGIONS FINANCIAL CORP NEW COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>7591EP100</cusip>
    <value>12181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>565</Sole>
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      <None>0</None>
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    <nameOfIssuer>REINSURANCE GRP OF AMERICA I COM NEW</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>759351604</cusip>
    <value>137259</value>
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      <sshPrnamt>966</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>966</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RELIANCE STEEL &amp; ALUMINUM CO COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>759509102</cusip>
    <value>282358</value>
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      <sshPrnamt>1395</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>695</Sole>
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      <None>700</None>
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    <nameOfIssuer>RENTOKIL INITIAL PLC SPONSORED ADR ADDED</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>760125104</cusip>
    <value>9151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>297</Sole>
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    <nameOfIssuer>REPUBLIC SVCS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>760759100</cusip>
    <value>82554</value>
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      <sshPrnamt>640</sshPrnamt>
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      <None>640</None>
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    <nameOfIssuer>RESMED INC COM</nameOfIssuer>
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    <cusip>761152107</cusip>
    <value>375467</value>
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      <sshPrnamt>1804</sshPrnamt>
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      <Sole>1804</Sole>
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    <nameOfIssuer>RESIDEO TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>76118Y104</cusip>
    <value>26550</value>
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      <sshPrnamt>1614</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>RIO TINTO PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>767204100</cusip>
    <value>163770</value>
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      <sshPrnamt>2300</sshPrnamt>
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    <nameOfIssuer>RITCHIE BROS AUCTIONEERS COM</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>767744105</cusip>
    <value>53551</value>
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      <None>926</None>
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    <nameOfIssuer>RIVIAN AUTOMOTIVE INC COM CL A</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>76954A103</cusip>
    <value>885</value>
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      <sshPrnamt>48</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>48</None>
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    <nameOfIssuer>ROBERT HALF INTL INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>770323103</cusip>
    <value>684033</value>
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      <sshPrnamt>9265</sshPrnamt>
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      <Sole>8265</Sole>
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      <None>1000</None>
    </votingAuthority>
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    <nameOfIssuer>ROBLOX CORP CL A</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>771049103</cusip>
    <value>9619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>338</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>338</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>773903109</cusip>
    <value>1599252</value>
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      <sshPrnamt>6209</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3173</Sole>
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      <None>3036</None>
    </votingAuthority>
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    <nameOfIssuer>ROKU INC COM CL A</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>77543R102</cusip>
    <value>12536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>308</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROLLINS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>775711104</cusip>
    <value>91021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>2476</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>R1 RCM INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>77634L105</cusip>
    <value>10184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>930</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>776696106</cusip>
    <value>2062366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48</Sole>
      <Shared>0</Shared>
      <None>4725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>778296103</cusip>
    <value>1210262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10427</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL BK CDA SUSTAINABL COM</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>780087102</cusip>
    <value>47010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC SPON ADS</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>780259305</cusip>
    <value>4873482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>24397</Sole>
      <Shared>0</Shared>
      <None>61178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL GOLD INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>780287108</cusip>
    <value>56360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RUSH ENTERPRISES INC CL B</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>781846308</cusip>
    <value>9855691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>175000</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYAN SPECIALTY HOLDINGS INC CL A</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>78351F107</cusip>
    <value>33208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>78409V104</cusip>
    <value>11892939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>18956</Sole>
      <Shared>0</Shared>
      <None>16552</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SBA COMMUNICATIONS CORP NEW CL A</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>78410G104</cusip>
    <value>437284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>1515</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SM ENERGY CO COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>78454L100</cusip>
    <value>17415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR TR UNIT</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>78697158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>204867</Sole>
      <Shared>0</Shared>
      <None>915</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPS COMM INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>78463M107</cusip>
    <value>19907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR GOLD SHS</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>78463V107</cusip>
    <value>3108992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>17400</Sole>
      <Shared>0</Shared>
      <None>927</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS EURO STOXX 50</nameOfIssuer>
    <titleOfClass>GLOBAL FUND-ETF</titleOfClass>
    <cusip>78463X202</cusip>
    <value>18383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS S&amp;P EM MKT DIV</nameOfIssuer>
    <titleOfClass>INTL EMERGING MKTS FUND-ETF</titleOfClass>
    <cusip>78463X533</cusip>
    <value>19272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>803</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS DJ INTL RL ETF</nameOfIssuer>
    <titleOfClass>INTL DEVELOPED MKTS FUND-ETF</titleOfClass>
    <cusip>78463X863</cusip>
    <value>309683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>11568</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS S&amp;P INTL SMLCP</nameOfIssuer>
    <titleOfClass>GLOBAL FUND-ETF</titleOfClass>
    <cusip>78463X871</cusip>
    <value>15536521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>528274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>526680</Sole>
      <Shared>0</Shared>
      <None>1594</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR BBG CONV SEC ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>78464A359</cusip>
    <value>122670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>1907</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR PORTFOLIO INTRMD</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>78464A375</cusip>
    <value>76774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>2212</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR PRTFLO S&amp;P500 GW</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>78464A409</cusip>
    <value>13732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>271</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR PRTFLO S&amp;P500 VL</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>78464A508</cusip>
    <value>25901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>666</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR DJ REIT ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>78464A607</cusip>
    <value>2490942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>28582</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR PORTFOLIO LN TSR</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>78464A664</cusip>
    <value>122565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4222</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR S&amp;P REGL BKG</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>78464A698</cusip>
    <value>82412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1328</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR S&amp;P METALS MNG</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>78464A755</cusip>
    <value>207084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>4157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR S&amp;P DIVID ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>288379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>353</Sole>
      <Shared>0</Shared>
      <None>1952</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR S&amp;P BK ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>78464A797</cusip>
    <value>49665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR S&amp;P 600 SML CAP</nameOfIssuer>
    <titleOfClass>DOMESTIC SMALL CAP FUND-ETF</titleOfClass>
    <cusip>78464A813</cusip>
    <value>49326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR BLACKSTONE SENR</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE HIGH YIELD FUND-ETF</titleOfClass>
    <cusip>78467V608</cusip>
    <value>680044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16627</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>DOMESTIC MID CAP FUND-ETF</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>2025764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3845</Sole>
      <Shared>0</Shared>
      <None>730</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR BLOOMBERG HIGH Y</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE HIGH YIELD FUND-ETF</titleOfClass>
    <cusip>78468R622</cusip>
    <value>1592730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>17697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR NUVEEN BLMBRG MU</nameOfIssuer>
    <titleOfClass>DOMESTIC TAX EX INVT GRADE-ETF</titleOfClass>
    <cusip>78468R721</cusip>
    <value>20363592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>446374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>445804</Sole>
      <Shared>0</Shared>
      <None>570</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR NUVEEN BLMBRG SH</nameOfIssuer>
    <titleOfClass>DOMESTIC TAX EX INVT GRADE-ETF</titleOfClass>
    <cusip>78468R739</cusip>
    <value>7201262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>153284</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSR MNG INC COM</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>784730103</cusip>
    <value>23505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SVB FINANCIAL GROUP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>78486Q101</cusip>
    <value>23014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABINE RTY TR UNIT BEN INT</nameOfIssuer>
    <titleOfClass>DOMESTIC ROYALTY TRUST</titleOfClass>
    <cusip>785688102</cusip>
    <value>184914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>79466L302</cusip>
    <value>25094533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>183261</Sole>
      <Shared>39</Shared>
      <None>5964</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAN JUAN BASIN RTY TR UNIT BEN INT</nameOfIssuer>
    <titleOfClass>DOMESTIC ROYALTY TRUST</titleOfClass>
    <cusip>798241105</cusip>
    <value>44596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>3155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>80105N105</cusip>
    <value>48430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SARATOGA INVT CORP COM NEW</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>80349A208</cusip>
    <value>22941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAREPTA THERAPEUTICS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>803607100</cusip>
    <value>51832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HENRY SCHEIN INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>806407102</cusip>
    <value>702297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8793</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD COM STK</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>806857108</cusip>
    <value>16345877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>14245</Sole>
      <Shared>0</Shared>
      <None>291514</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>808513105</cusip>
    <value>1159812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12530</Sole>
      <Shared>0</Shared>
      <None>1400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US BRD MKT ETF</nameOfIssuer>
    <titleOfClass>EQUITIES</titleOfClass>
    <cusip>808524102</cusip>
    <value>443977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>9908</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US LCAP GR ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>808524300</cusip>
    <value>124254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2236</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US LCAP VA ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>808524409</cusip>
    <value>115028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>1742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR SCHWB FDT INT SC</nameOfIssuer>
    <titleOfClass>INTL DEVELOPED MKTS FUND-ETF</titleOfClass>
    <cusip>808524748</cusip>
    <value>21351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>683</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US DIVIDEND EQ</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>808524797</cusip>
    <value>46727231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>618576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>613834</Sole>
      <Shared>0</Shared>
      <None>4742</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCULPTOR CAP MGMT COM CL A</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>811246107</cusip>
    <value>1299</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>SEA LTD SPONSORD ADS</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>81141R100</cusip>
    <value>1769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEACOAST BKG CORP FLA COM NEW</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>811707801</cusip>
    <value>22925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>735</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGEN INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>81181C104</cusip>
    <value>6866452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>53166</Sole>
      <Shared>0</Shared>
      <None>265</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI MATERIALS</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>22527</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>SELECT SECTOR SPDR TR SBI HEALTHCARE</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1434440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>9379</Sole>
      <Shared>0</Shared>
      <None>1180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI CONS STPLS</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>280084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>3757</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI CONS DISCR</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>347828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>2493</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR ENERGY</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>617538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>3024</Sole>
      <Shared>0</Shared>
      <None>4036</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR FINANCIAL</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>572303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>13109</Sole>
      <Shared>0</Shared>
      <None>3625</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI INT-INDS</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>205946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>1797</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR TECHNOLOGY</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1424465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>8152</Sole>
      <Shared>0</Shared>
      <None>3295</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR COMMUNICATION</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>207461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4323</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR RL EST SEL SEC</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>231440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6267</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR SBI INT-UTILS</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>108077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1533</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>816851109</cusip>
    <value>414749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>2684</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>817565104</cusip>
    <value>67412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>975</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE PPTYS TR COM SH BEN INT</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>81761L102</cusip>
    <value>1021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>81762P102</cusip>
    <value>29488675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>74989</Sole>
      <Shared>19</Shared>
      <None>941</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>824348106</cusip>
    <value>24376325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>SHIFT4 PMTS INC CL A</nameOfIssuer>
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    <nameOfIssuer>SHOPIFY INC CL A</nameOfIssuer>
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    <nameOfIssuer>SILVERCORP METALS INC COM</nameOfIssuer>
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      <None>1901</None>
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    <nameOfIssuer>SIMON PPTY GROUP INC NEW COM</nameOfIssuer>
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    <nameOfIssuer>SIMPLIFY EXCHANGE TRADED FUN SIMPLIFY INTERST</nameOfIssuer>
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    <cusip>82889N855</cusip>
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    <nameOfIssuer>SIRIUS XM HOLDINGS INC COM</nameOfIssuer>
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      <None>4300</None>
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    <nameOfIssuer>SKYWORKS SOLUTIONS INC COM</nameOfIssuer>
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    <cusip>83088M102</cusip>
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      <None>800</None>
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    <nameOfIssuer>SMUCKER J M CO COM NEW</nameOfIssuer>
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      <sshPrnamt>9449</sshPrnamt>
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      <None>6978</None>
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    <nameOfIssuer>SNAP ON INC COM</nameOfIssuer>
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      <sshPrnamt>3780</sshPrnamt>
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      <None>2880</None>
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    <nameOfIssuer>SNAP INC CL A</nameOfIssuer>
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      <sshPrnamt>5777</sshPrnamt>
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    <nameOfIssuer>SNOWFLAKE INC CL A</nameOfIssuer>
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    <cusip>833445109</cusip>
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    <nameOfIssuer>SOFI TECHNOLOGIES INC COM</nameOfIssuer>
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    <value>1383</value>
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    <nameOfIssuer>SOLAREDGE TECHNOLOGIES INC COM</nameOfIssuer>
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      <Sole>5</Sole>
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      <None>0</None>
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    <nameOfIssuer>SONY GROUP CORPORATION SPONSORED ADR</nameOfIssuer>
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    <cusip>835699307</cusip>
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      <Sole>115559</Sole>
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      <None>0</None>
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    <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
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      <sshPrnamt>31536</sshPrnamt>
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      <None>5217</None>
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    <nameOfIssuer>SOUTHERN COPPER CORP COM</nameOfIssuer>
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    <nameOfIssuer>SOUTHWEST AIRLS CO COM</nameOfIssuer>
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    <nameOfIssuer>SOUTHWEST GAS HLDGS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>844895102</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>SPERO THERAPEUTICS INC COM</nameOfIssuer>
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    <cusip>84833T103</cusip>
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    <nameOfIssuer>SPIRIT AEROSYSTEMS HLDGS INC COM CL A</nameOfIssuer>
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    <cusip>848574109</cusip>
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    <nameOfIssuer>SPLUNK INC COM</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>SPROTT PHYSICAL PLAT PALLAD UNIT</nameOfIssuer>
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    <cusip>85207Q104</cusip>
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    <nameOfIssuer>SPROUTS FMRS MKT INC COM</nameOfIssuer>
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    <cusip>85208M102</cusip>
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    <nameOfIssuer>SPROTT PHYSICAL GOLD &amp; SILVE TR UNIT</nameOfIssuer>
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    <nameOfIssuer>SPROUT SOCIAL INC COM CL A</nameOfIssuer>
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    <nameOfIssuer>BLOCK INC CL A</nameOfIssuer>
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    <cusip>852234103</cusip>
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    <nameOfIssuer>STAAR SURGICAL CO COM PAR $0.01</nameOfIssuer>
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    <cusip>852312305</cusip>
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    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC COM</nameOfIssuer>
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    <nameOfIssuer>STARBUCKS CORP COM</nameOfIssuer>
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    <cusip>855244109</cusip>
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    <nameOfIssuer>STATE STR CORP COM</nameOfIssuer>
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    <nameOfIssuer>STEEL DYNAMICS INC COM</nameOfIssuer>
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      <Sole>594</Sole>
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    <nameOfIssuer>STMICROELECTRONICS N V NY REGISTRY</nameOfIssuer>
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    <nameOfIssuer>STORE CAP CORP COM</nameOfIssuer>
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    <cusip>863667101</cusip>
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    <nameOfIssuer>SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN</nameOfIssuer>
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    <cusip>864482104</cusip>
    <value>7590</value>
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      <Sole>500</Sole>
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    <nameOfIssuer>SUMMIT MIDSTREAM PARTNERS LP COM UNIT LTD</nameOfIssuer>
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    <cusip>866142409</cusip>
    <value>83</value>
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    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS</nameOfIssuer>
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    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR COM</nameOfIssuer>
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    <nameOfIssuer>TANDY LEATHER FACTORY INC COM</nameOfIssuer>
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    <nameOfIssuer>TEGNA INC COM</nameOfIssuer>
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    <nameOfIssuer>TEKLA HEALTHCARE INVS SH BEN INT</nameOfIssuer>
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    <cusip>87911J103</cusip>
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    <cusip>89148B200</cusip>
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    <nameOfIssuer>UDR INC COM</nameOfIssuer>
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    <nameOfIssuer>UBER TECHNOLOGIES INC COM</nameOfIssuer>
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    <nameOfIssuer>ULTA BEAUTY INC COM</nameOfIssuer>
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    <nameOfIssuer>UNION PAC CORP COM</nameOfIssuer>
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    <nameOfIssuer>UNITED AIRLS HLDGS INC COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2023</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST GOLD MINERS ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>84576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2451</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST VANECK RUSSIA ET</nameOfIssuer>
    <titleOfClass>GLOBAL FUND-ETF</titleOfClass>
    <cusip>92189F403</cusip>
    <value>1413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST FALLEN ANGEL HG</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE HIGH YIELD FUND-ETF</titleOfClass>
    <cusip>92189F437</cusip>
    <value>7268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>247</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST AGRIBUSINESS ETF</nameOfIssuer>
    <titleOfClass>GLOBAL SECTOR FUND-ETF</titleOfClass>
    <cusip>92189F700</cusip>
    <value>2806796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32238</Sole>
      <Shared>0</Shared>
      <None>460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST JUNIOR GOLD MINE</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>92189F791</cusip>
    <value>58314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>1154</Sole>
      <Shared>0</Shared>
      <None>482</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS DIV APP ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>96121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>333</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD MEGA CAP INDEX</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>921910873</cusip>
    <value>446850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>3375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS SHORT TRM BOND</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>921937827</cusip>
    <value>18516631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>245970</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS TOTAL BND MRKT</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>921937835</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT</nameOfIssuer>
    <titleOfClass>INTL DEVELOPED MKTS FUND-ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>919185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21901</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS HIGH DIV YLD</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>921946406</cusip>
    <value>1221907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7850</Sole>
      <Shared>0</Shared>
      <None>3442</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS INTL DVD ETF</nameOfIssuer>
    <titleOfClass>INTL DEVELOPED MKTS FUND-ETF</titleOfClass>
    <cusip>921946810</cusip>
    <value>42683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>613</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS EM MK GOV BD ETF</nameOfIssuer>
    <titleOfClass>INTL TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>921946885</cusip>
    <value>105191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F GLB EX US ETF</nameOfIssuer>
    <titleOfClass>GLOBAL SECTOR FUND-ETF</titleOfClass>
    <cusip>922042676</cusip>
    <value>108311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF</nameOfIssuer>
    <titleOfClass>GLOBAL FUND-ETF</titleOfClass>
    <cusip>922042742</cusip>
    <value>124976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F ALLWRLD EX US</nameOfIssuer>
    <titleOfClass>INTL DEVELOPED MKTS FUND-ETF</titleOfClass>
    <cusip>922042775</cusip>
    <value>19795306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>394801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>394801</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF</nameOfIssuer>
    <titleOfClass>INTL EMERGING MKTS FUND-ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>39702449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1018534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>1007347</Sole>
      <Shared>0</Shared>
      <None>11187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF</nameOfIssuer>
    <titleOfClass>GLOBAL FUND-ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>933332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS CONSUM DIS ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>19712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS HEALTH CAR ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>37208</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>VANGUARD WORLD FDS INF TECH ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>86241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS COMM SRVC ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>92204A884</cusip>
    <value>41701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS SHORT TERM TREAS</nameOfIssuer>
    <titleOfClass>EQUITIES</titleOfClass>
    <cusip>92206C102</cusip>
    <value>65048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS VNG RUS2000IDX</nameOfIssuer>
    <titleOfClass>DOMESTIC SMALL CAP FUND-ETF</titleOfClass>
    <cusip>92206C664</cusip>
    <value>100207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS VNG RUS1000GRW</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>92206C680</cusip>
    <value>12237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>222</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS INTER TERM TREAS</nameOfIssuer>
    <titleOfClass>EQUITIES</titleOfClass>
    <cusip>92206C706</cusip>
    <value>176025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3010</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS INT-TERM CORP</nameOfIssuer>
    <titleOfClass>DOMESTIC TAXABLE INVT GRADE-ETF</titleOfClass>
    <cusip>92206C870</cusip>
    <value>853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC CL A COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>922475108</cusip>
    <value>380373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1820</Sole>
      <Shared>0</Shared>
      <None>537</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>92276F100</cusip>
    <value>5226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS TAX EXEMPT BD</nameOfIssuer>
    <titleOfClass>DOMESTIC TAX EX INVT GRADE-ETF</titleOfClass>
    <cusip>922907746</cusip>
    <value>13168052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>246075</Sole>
      <Shared>0</Shared>
      <None>20000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS S&amp;P 500 ETF SHS</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>922908363</cusip>
    <value>17920882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>51007</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS MCAP GR IDXVIP</nameOfIssuer>
    <titleOfClass>DOMESTIC MID CAP FUND-ETF</titleOfClass>
    <cusip>922908538</cusip>
    <value>627183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2722</Sole>
      <Shared>0</Shared>
      <None>767</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS REAL ESTATE ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SECTOR FUND-ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>223521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS SML CP GRW ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SMALL CAP FUND-ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>7910881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>38948</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS SM CP VAL ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SMALL CAP FUND-ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>779867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>4911</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS MID CAP ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC MID CAP FUND-ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>87037157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>427051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>425480</Sole>
      <Shared>0</Shared>
      <None>1571</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS LARGE CAP ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>10107819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>58011</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS EXTEND MKT ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC MULTI CAP FUND-ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>53284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>101</Sole>
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      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS GROWTH ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>85055655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>399116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>397033</Sole>
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      <None>2083</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS VALUE ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>535058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>137</Sole>
      <Shared>0</Shared>
      <None>3675</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS SMALL CP ETF</nameOfIssuer>
    <titleOfClass>DOMESTIC SMALL CAP FUND-ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>52032202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>282700</Sole>
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      <None>793</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS TOTAL STK MKT</nameOfIssuer>
    <titleOfClass>DOMESTIC LARGE CAP FUND-ETF</titleOfClass>
    <cusip>922908769</cusip>
    <value>244914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1281</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>657</Sole>
      <Shared>0</Shared>
      <None>624</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERISIGN INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>92343E102</cusip>
    <value>41704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>92343V104</cusip>
    <value>20025809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>508269</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>492642</Sole>
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  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>688038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3900</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
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      <None>3893</None>
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  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>92532F100</cusip>
    <value>502477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>676</Sole>
      <Shared>0</Shared>
      <None>1064</None>
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  <infoTable>
    <nameOfIssuer>PARAMOUNT GLOBAL CLASS B COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>92556H206</cusip>
    <value>5913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>350</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VIATRIS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>92556V106</cusip>
    <value>51234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>3723</Sole>
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      <None>880</None>
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  <infoTable>
    <nameOfIssuer>VICI PPTYS INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>925652109</cusip>
    <value>167346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34</Sole>
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      <None>5131</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VIPER ENERGY PARTNERS LP COM UNT RP INT</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>92763M105</cusip>
    <value>55633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1750</None>
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  <infoTable>
    <nameOfIssuer>VISA INC COM CL A</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>92826C839</cusip>
    <value>77335989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>372237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>356835</Sole>
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      <None>15402</None>
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  <infoTable>
    <nameOfIssuer>VISTA OUTDOOR INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>928377100</cusip>
    <value>102354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VMWARE INC CL A COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>928563402</cusip>
    <value>5401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW SPONSORED ADR</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>92857W308</cusip>
    <value>5900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>338</Sole>
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      <None>245</None>
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  <infoTable>
    <nameOfIssuer>VONTIER CORPORATION COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>928881101</cusip>
    <value>3789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>196</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>16</Sole>
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      <None>180</None>
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  <infoTable>
    <nameOfIssuer>VULCAN MATLS CO COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>929160109</cusip>
    <value>27492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>157</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WP CAREY INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>92936U109</cusip>
    <value>10009599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>125971</Sole>
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      <None>2056</None>
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  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>92939U106</cusip>
    <value>20440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>218</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WABTEC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>929740108</cusip>
    <value>898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
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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>WALMART INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>931142103</cusip>
    <value>21254475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149901</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>133860</Sole>
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      <None>15986</None>
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  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>931427108</cusip>
    <value>2121834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56794</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>30419</Sole>
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      <None>26375</None>
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  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC COM SER A</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>934423104</cusip>
    <value>236507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>17212</Sole>
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      <None>7736</None>
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  <infoTable>
    <nameOfIssuer>WARNER MUSIC GROUP CORP COM CL A</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>934550203</cusip>
    <value>2837894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81036</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 2, 3</otherManager>
    <votingAuthority>
      <Sole>80730</Sole>
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      <None>306</None>
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  <infoTable>
    <nameOfIssuer>WASTE CONNECTIONS INC COM</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>94106B101</cusip>
    <value>722319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5449</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>178</Sole>
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      <None>5271</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>94106L109</cusip>
    <value>2736195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17441</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>16545</Sole>
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      <None>896</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WATERS CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>941848103</cusip>
    <value>12675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WEBSTER FINL CORP COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>947890109</cusip>
    <value>129759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>2741</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>949746101</cusip>
    <value>3792321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91846</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>79358</Sole>
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      <None>12488</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WELLTOWER INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC REITS</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>175019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2670</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1, 3</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
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      <None>2580</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WERNER ENTERPRISES INC COM</nameOfIssuer>
    <titleOfClass>DOMESTIC COMMON STOCK</titleOfClass>
    <cusip>950755108</cusip>
    <value>88089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2188</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2188</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WEST FRASER TIMBER CO LTD COM</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>952845105</cusip>
    <value>57832</value>
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    <nameOfIssuer>WESTERN MIDSTREAM PARTNERS L COM UNIT LP INT</nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR US LARGECAP DIVD</nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR US SMALLCAP FUND</nameOfIssuer>
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    <nameOfIssuer>WISDOMTREE TR US SMALLCAP DIVD</nameOfIssuer>
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    <cusip>97717W604</cusip>
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    <nameOfIssuer>WORKDAY INC CL A</nameOfIssuer>
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    <nameOfIssuer>WYNDHAM HOTELS &amp; RESORTS INC COM</nameOfIssuer>
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    <nameOfIssuer>XYLEM INC COM</nameOfIssuer>
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      <None>5340</None>
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    <nameOfIssuer>YUM BRANDS INC COM</nameOfIssuer>
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    <nameOfIssuer>YUM CHINA HLDGS INC COM</nameOfIssuer>
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    <nameOfIssuer>ZIMVIE INC COM</nameOfIssuer>
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    <nameOfIssuer>ZURN ELKAY WATER SOLNS CORP COM</nameOfIssuer>
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    <nameOfIssuer>DEUTSCHE BANK A G NAMEN AKT</nameOfIssuer>
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    <nameOfIssuer>AMDOCS LTD SHS</nameOfIssuer>
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    <cusip>G02602103</cusip>
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    <cusip>G0403H108</cusip>
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    <nameOfIssuer>ACCENTURE PLC IRELAND SHS CLASS A</nameOfIssuer>
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    <cusip>G1151C101</cusip>
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    <nameOfIssuer>ASA GOLD AND PRECIOUS MTLS L SHS</nameOfIssuer>
    <titleOfClass>GLOBAL SECTOR FUND-CLOSED ENDED</titleOfClass>
    <cusip>G3156P103</cusip>
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    <nameOfIssuer>EVEREST RE GROUP LTD COM</nameOfIssuer>
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    <cusip>G3223R108</cusip>
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    <nameOfIssuer>FTAI AVIATION LTD SHS ADDED</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
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    <nameOfIssuer>GENPACT LIMITED SHS</nameOfIssuer>
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    <nameOfIssuer>ICON PLC SHS</nameOfIssuer>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC SHS</nameOfIssuer>
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    <nameOfIssuer>MEDTRONIC PLC SHS</nameOfIssuer>
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      <sshPrnamt>281810</sshPrnamt>
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    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L SHS</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
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    <nameOfIssuer>RENAISSANCERE HLDGS LTD COM</nameOfIssuer>
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      <sshPrnamt>8146</sshPrnamt>
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    <nameOfIssuer>SFL CORPORATION LTD SHS</nameOfIssuer>
    <titleOfClass>INTL COMMON STOCK</titleOfClass>
    <cusip>G7738W106</cusip>
    <value>18440</value>
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    <nameOfIssuer>TRANE TECHNOLOGIES PLC SHS</nameOfIssuer>
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    <value>727325</value>
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    <nameOfIssuer>VALARIS LIMITED  W EXP 04/29/202</nameOfIssuer>
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    <cusip>G9460G119</cusip>
    <value>321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>ALCON AG ORD SHS</nameOfIssuer>
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    <value>1885536</value>
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    <titleOfClass>INTL COMMON STOCK</titleOfClass>
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    <value>4662</value>
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    <titleOfClass>INTL COMMON STOCK</titleOfClass>
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    <value>11600</value>
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</SEC-DOCUMENT>
