<SEC-DOCUMENT>0001085146-17-001101.txt : 20170505
<SEC-HEADER>0001085146-17-001101.hdr.sgml : 20170505
<ACCEPTANCE-DATETIME>20170504194119
ACCESSION NUMBER:		0001085146-17-001101
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20170331
FILED AS OF DATE:		20170505
DATE AS OF CHANGE:		20170504
EFFECTIVENESS DATE:		20170505

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			LINCOLN NATIONAL CORP
		CENTRAL INDEX KEY:			0000059558
		STANDARD INDUSTRIAL CLASSIFICATION:	LIFE INSURANCE [6311]
		IRS NUMBER:				351140070
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-00625
		FILM NUMBER:		17815795

	BUSINESS ADDRESS:	
		STREET 1:		150 N RADNOR CHESTER RD
		CITY:			RADNOR
		STATE:			PA
		ZIP:			19087
		BUSINESS PHONE:		4845831400

	MAIL ADDRESS:	
		STREET 1:		150 N RADNOR CHESTER RD
		CITY:			RADNOR
		STATE:			PA
		ZIP:			19087
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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          <cik>0000059558</cik>
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      <periodOfReport>03-31-2017</periodOfReport>
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      <reportCalendarOrQuarter>03-31-2017</reportCalendarOrQuarter>
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      <filingManager>
        <name>LINCOLN NATIONAL CORP</name>
        <address>
          <ns1:street1>150 N RADNOR CHESTER RD</ns1:street1>
          <ns1:city>RADNOR</ns1:city>
          <ns1:stateOrCountry>PA</ns1:stateOrCountry>
          <ns1:zipCode>19087</ns1:zipCode>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-00625</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Ronald A. Holinsky</name>
      <title>Vice President and Chief Compliance Officer</title>
      <phone>484-583-6302</phone>
      <signature>/s/  Ronald A. Holinsky</signature>
      <city>Radnor</city>
      <stateOrCountry>PA</stateOrCountry>
      <signatureDate>04-26-2017</signatureDate>
    </signatureBlock>
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      <tableValueTotal>1942660</tableValueTotal>
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          <sequenceNumber>1</sequenceNumber>
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            <cik>0001464867</cik>
            <form13FFileNumber>028-15854</form13FFileNumber>
            <name>Lincoln Investment Advisors Corp</name>
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            <name>LINCOLN FINANCIAL ADVISORS CORPORATION</name>
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    <nameOfIssuer>3M CO</nameOfIssuer>
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    <cusip>000868109</cusip>
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      <sshPrnamt>24121</sshPrnamt>
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    <nameOfIssuer>ADVISORSHARES TR</nameOfIssuer>
    <titleOfClass>RANGER EQUITY BE</titleOfClass>
    <cusip>00768Y883</cusip>
    <value>129</value>
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    <nameOfIssuer>ALCOA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>013872106</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5921</sshPrnamt>
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    <nameOfIssuer>ALIBABA GROUP HLDG LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>01609W102</cusip>
    <value>825</value>
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    <nameOfIssuer>ALLEGHANY CORP DEL</nameOfIssuer>
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    <value>263</value>
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    <cusip>02072L102</cusip>
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    <nameOfIssuer>AUBURN NATL BANCORP</nameOfIssuer>
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    <cusip>060505104</cusip>
    <value>698</value>
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    <cusip>067383109</cusip>
    <value>453</value>
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      <None>1822</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>071813109</cusip>
    <value>234</value>
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      <sshPrnamt>4509</sshPrnamt>
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      <None>4509</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>054937107</cusip>
    <value>331</value>
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      <sshPrnamt>7404</sshPrnamt>
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      <None>7404</None>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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    <cusip>084670108</cusip>
    <value>1749</value>
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      <None>7</None>
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    <cusip>084670702</cusip>
    <value>3053</value>
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      <sshPrnamt>18320</sshPrnamt>
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      <None>18320</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>667</value>
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    <cusip>055622104</cusip>
    <value>533</value>
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      <None>15426</None>
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    <cusip>110122108</cusip>
    <value>766</value>
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      <sshPrnamt>14085</sshPrnamt>
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      <None>14085</None>
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    <cusip>131476103</cusip>
    <value>51</value>
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      <sshPrnamt>13534</sshPrnamt>
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      <None>13534</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>143873107</cusip>
    <value>231</value>
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      <sshPrnamt>7684</sshPrnamt>
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    <otherManager>2 3</otherManager>
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      <Shared>0</Shared>
      <None>7684</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>693</value>
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      <sshPrnamt>7471</sshPrnamt>
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      <None>7471</None>
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    <cusip>151020104</cusip>
    <value>829</value>
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      <sshPrnamt>6662</sshPrnamt>
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      <None>6662</None>
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    <cusip>153501101</cusip>
    <value>405</value>
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      <sshPrnamt>31478</sshPrnamt>
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      <None>31478</None>
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    <cusip>163731102</cusip>
    <value>279</value>
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      <None>5461</None>
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    <cusip>165167107</cusip>
    <value>92</value>
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      <sshPrnamt>15480</sshPrnamt>
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      <None>15480</None>
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      <None>82502</None>
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      <None>560</None>
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      <None>22800</None>
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    <nameOfIssuer>CLAYMORE EXCHANGE TRD FD TR</nameOfIssuer>
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      <None>94486</None>
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    <titleOfClass>GUG BULL2019 E</titleOfClass>
    <cusip>18383M522</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>CLAYMORE EXCHANGE TRD FD TR</nameOfIssuer>
    <titleOfClass>GUG BULL2020 E</titleOfClass>
    <cusip>18383M514</cusip>
    <value>2099</value>
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      <sshPrnamt>98142</sshPrnamt>
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      <None>98142</None>
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    <cusip>18383M266</cusip>
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      <None>67880</None>
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    <value>1109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52705</sshPrnamt>
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      <None>52705</None>
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    <nameOfIssuer>CLAYMORE EXCHANGE TRD FD TR</nameOfIssuer>
    <titleOfClass>GUGG CRP BD 2017</titleOfClass>
    <cusip>18383M548</cusip>
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      <None>46238</None>
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      <None>14872</None>
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      <None>21862</None>
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      <None>4297</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>26266</None>
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      <None>137</None>
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      <sshPrnamt>3921</sshPrnamt>
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      <None>3921</None>
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      <None>15058</None>
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      <None>6000</None>
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      <Shared>0</Shared>
      <None>15555</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>205887102</cusip>
    <value>227</value>
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      <sshPrnamt>5635</sshPrnamt>
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    <otherManager>2 3</otherManager>
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      <Shared>0</Shared>
      <None>5635</None>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>388</value>
    <shrsOrPrnAmt>
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    <otherManager>2 3</otherManager>
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      <Shared>0</Shared>
      <None>7788</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>209115104</cusip>
    <value>613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7886</sshPrnamt>
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    <otherManager>2 3</otherManager>
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      <Shared>0</Shared>
      <None>7886</None>
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    <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>824</value>
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      <sshPrnamt>4912</sshPrnamt>
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    <otherManager>2 3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4912</None>
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    <nameOfIssuer>CU BANCORP CALIF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126534106</cusip>
    <value>1089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27462</sshPrnamt>
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      <Shared>0</Shared>
      <None>27462</None>
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    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7052</sshPrnamt>
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      <Shared>0</Shared>
      <None>7052</None>
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    <cusip>244199105</cusip>
    <value>249</value>
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      <sshPrnamt>2284</sshPrnamt>
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    <otherManager>2 3</otherManager>
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      <Shared>0</Shared>
      <None>2284</None>
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    <cusip>25243Q205</cusip>
    <value>233</value>
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      <None>2016</None>
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    <cusip>254687106</cusip>
    <value>1168</value>
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      <sshPrnamt>10293</sshPrnamt>
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      <None>10293</None>
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    <cusip>254687106</cusip>
    <value>14</value>
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      <sshPrnamt>120</sshPrnamt>
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      <Sole>0</Sole>
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      <None>120</None>
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    <nameOfIssuer>DOMINION RES INC VA NEW</nameOfIssuer>
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    <cusip>25746U109</cusip>
    <value>755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9741</sshPrnamt>
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      <None>9741</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>260543103</cusip>
    <value>494</value>
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      <None>7769</None>
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    <nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO</nameOfIssuer>
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    <value>325</value>
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      <None>4050</None>
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    <value>481</value>
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      <None>5865</None>
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    <nameOfIssuer>DUN &amp; BRADSTREET CORP DEL NE</nameOfIssuer>
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    <value>452</value>
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      <sshPrnamt>4183</sshPrnamt>
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    <otherManager>2 3</otherManager>
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      <None>4183</None>
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    <cusip>G29183103</cusip>
    <value>2295</value>
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      <sshPrnamt>30947</sshPrnamt>
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    <otherManager>2 3</otherManager>
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      <Shared>0</Shared>
      <None>30947</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3720</sshPrnamt>
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    <otherManager>2 3</otherManager>
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      <None>3720</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>29250N105</cusip>
    <value>303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7244</sshPrnamt>
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    <otherManager>2 3</otherManager>
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      <None>7244</None>
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    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
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    <cusip>293792107</cusip>
    <value>491</value>
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      <sshPrnamt>17797</sshPrnamt>
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    <otherManager>2 3</otherManager>
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      <None>17797</None>
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    <nameOfIssuer>EXACT SCIENCES CORP</nameOfIssuer>
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    <cusip>30063P105</cusip>
    <value>221</value>
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      <None>9376</None>
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    <value>454</value>
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      <None>12623</None>
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      <None>53553</None>
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      <None>200</None>
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      <None>13358</None>
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      <None>200</None>
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      <None>2497</None>
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    <cusip>316092303</cusip>
    <value>807</value>
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      <sshPrnamt>24537</sshPrnamt>
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      <None>24537</None>
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    <titleOfClass>MSCI CONSM DIS</titleOfClass>
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    <value>593</value>
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      <sshPrnamt>17094</sshPrnamt>
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      <None>17094</None>
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    <nameOfIssuer>FIDELITY</nameOfIssuer>
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    <value>209</value>
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      <None>5947</None>
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    <nameOfIssuer>FIDELITY</nameOfIssuer>
    <titleOfClass>MSCI INFO TECH I</titleOfClass>
    <cusip>316092808</cusip>
    <value>628</value>
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      <None>15270</None>
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    <value>412</value>
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    <nameOfIssuer>FIDELITY COMWLTH TR</nameOfIssuer>
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    <cusip>315912808</cusip>
    <value>429</value>
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      <None>1839</None>
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      <None>6951</None>
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    <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
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      <None>4502</None>
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    <nameOfIssuer>FIRST FINL BANCORP OH</nameOfIssuer>
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    <value>288</value>
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      <sshPrnamt>10489</sshPrnamt>
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      <None>10489</None>
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    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>CONSUMR STAPLE</titleOfClass>
    <cusip>33734X119</cusip>
    <value>614</value>
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      <sshPrnamt>13302</sshPrnamt>
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      <None>13302</None>
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    <cusip>33738D309</cusip>
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      <sshPrnamt>82745</sshPrnamt>
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      <None>82745</None>
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    <nameOfIssuer>FIRST TR MORNINGSTAR DIV LEA</nameOfIssuer>
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    <cusip>336917109</cusip>
    <value>235</value>
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      <sshPrnamt>8136</sshPrnamt>
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    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8136</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>33734H106</cusip>
    <value>9870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>340237</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
    <titleOfClass>CR SCD US BD</titleOfClass>
    <cusip>33939L761</cusip>
    <value>367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7291</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
    <titleOfClass>DISCP DUR MBS</titleOfClass>
    <cusip>33939L779</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9636</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX 3R TARGT</titleOfClass>
    <cusip>33939L506</cusip>
    <value>428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17144</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
    <titleOfClass>M STAR DEV MKT</titleOfClass>
    <cusip>33939L803</cusip>
    <value>534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8846</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
    <titleOfClass>MORNSTAR USMKT</titleOfClass>
    <cusip>33939L100</cusip>
    <value>684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6819</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
    <titleOfClass>QUALT DIVD IDX</titleOfClass>
    <cusip>33939L860</cusip>
    <value>296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7251</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM PAR $0.01</titleOfClass>
    <cusip>345370860</cusip>
    <value>360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30998</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM PAR $0.01</titleOfClass>
    <cusip>345370860</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>35671D857</cusip>
    <value>136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10178</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRONTIER COMMUNICATIONS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35906A108</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29322</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1980</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369604103</cusip>
    <value>3265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>109560</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7502</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>GLOBAL X SILVER</titleOfClass>
    <cusip>37954Y848</cusip>
    <value>425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11789</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GROUPE CGI INC</nameOfIssuer>
    <titleOfClass>CL A SUB VTG</titleOfClass>
    <cusip>39945C109</cusip>
    <value>370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7710</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>3308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22530</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3443</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>446150104</cusip>
    <value>191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14266</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>452308109</cusip>
    <value>530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INCYTE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45337C102</cusip>
    <value>390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2912</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22342</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>340</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>1864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10707</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>461202103</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1763</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>GLB SILV MIN ETF</titleOfClass>
    <cusip>464286327</cusip>
    <value>171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14743</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>IBONDS SEP17 ETF</titleOfClass>
    <cusip>464289271</cusip>
    <value>790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28979</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>MIN VOL EMRG MKT</titleOfClass>
    <cusip>464286533</cusip>
    <value>1890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35325</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES</nameOfIssuer>
    <titleOfClass>MIN VOL GBL ETF</titleOfClass>
    <cusip>464286525</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4586</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TRUST</nameOfIssuer>
    <titleOfClass>ISHARES</titleOfClass>
    <cusip>464285105</cusip>
    <value>409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34033</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT</titleOfClass>
    <cusip>46434G103</cusip>
    <value>56563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1183572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1183572</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT</titleOfClass>
    <cusip>46434G103</cusip>
    <value>2276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TRUST</nameOfIssuer>
    <titleOfClass>ISHARES</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20803</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>1-3 YR TR BD ETF</titleOfClass>
    <cusip>464287457</cusip>
    <value>200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2369</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>COHEN&amp;STEER REIT</titleOfClass>
    <cusip>464287564</cusip>
    <value>982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9843</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE DIV GRWTH</titleOfClass>
    <cusip>46434V621</cusip>
    <value>1964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64474</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF</titleOfClass>
    <cusip>46429B663</cusip>
    <value>3951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
    <value>1583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27317</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>3730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21786</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>3335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48214</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9168</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US ETF</titleOfClass>
    <cusip>464287671</cusip>
    <value>229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4943</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>7563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31875</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE ST USDB ETF</titleOfClass>
    <cusip>46432F859</cusip>
    <value>3859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>76989</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>2641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24338</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF</titleOfClass>
    <cusip>464288885</cusip>
    <value>1743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25090</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
    <value>637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11778</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>3084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>61316</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>FLTG RATE BD ETF</titleOfClass>
    <cusip>46429B655</cusip>
    <value>3582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70408</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC21 ETF</titleOfClass>
    <cusip>46435G789</cusip>
    <value>3514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>137066</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC22 ETF</titleOfClass>
    <cusip>46435G755</cusip>
    <value>2406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>93457</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS SEP18 ETF</titleOfClass>
    <cusip>46429B580</cusip>
    <value>3081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>121118</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS SEP19 ETF</titleOfClass>
    <cusip>46429B564</cusip>
    <value>3741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>146532</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS SEP20 ETF</titleOfClass>
    <cusip>46434V571</cusip>
    <value>3806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>148914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>148914</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>2983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33986</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JP MOR EM MK ETF</titleOfClass>
    <cusip>464288281</cusip>
    <value>345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3034</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MIN VOL EAFE ETF</titleOfClass>
    <cusip>46429B689</cusip>
    <value>3271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49556</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MIN VOL USA ETF</titleOfClass>
    <cusip>46429B697</cusip>
    <value>11391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>238701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>238701</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>4508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>72365</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>498750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12661842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12661842</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>1707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43327</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6909</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>11310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>99389</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>9965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>86691</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4851</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6642</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1337</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>1450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10541</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9578</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6545</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>1913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16688</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. AER&amp;DEF ETF</titleOfClass>
    <cusip>464288760</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. AER&amp;DEF ETF</titleOfClass>
    <cusip>464288760</cusip>
    <value>266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <value>966</value>
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      <None>11692</None>
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    <value>332</value>
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      <None>2288</None>
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    <cusip>478160104</cusip>
    <value>3463</value>
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      <None>25627</None>
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    <value>2026</value>
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      <None>96499</None>
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    <value>357</value>
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      <None>28240</None>
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    <value>293</value>
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      <sshPrnamt>3227</sshPrnamt>
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      <None>3227</None>
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    <cusip>501797104</cusip>
    <value>1668</value>
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      <None>35412</None>
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    <value>324</value>
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      <None>9550</None>
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    <value>266</value>
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    <cusip>532457108</cusip>
    <value>10</value>
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    <cusip>534187109</cusip>
    <value>613</value>
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      <None>9380</None>
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      <sshPrnamt>2611</sshPrnamt>
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      <None>2611</None>
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      <None>4906</None>
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      <None>19765</None>
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    <value>205</value>
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      <None>5524</None>
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      <None>10812</None>
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      <None>216</None>
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      <None>12910</None>
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      <None>283</None>
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      <None>3951</None>
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      <None>58660</None>
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      <None>308</None>
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      <None>10190</None>
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      <None>3851</None>
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      <None>2440</None>
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      <None>6332</None>
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      <None>3327</None>
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    <value>322</value>
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      <None>1357</None>
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      <sshPrnamt>3336</sshPrnamt>
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      <None>3336</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5871</None>
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  <infoTable>
    <nameOfIssuer>OPPENHEIMER REV WEIGHTD ETF</nameOfIssuer>
    <titleOfClass>LARGE CAP REV ET</titleOfClass>
    <cusip>68386C104</cusip>
    <value>270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5941</None>
    </votingAuthority>
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    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9222</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>704326107</cusip>
    <value>683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11584</None>
    </votingAuthority>
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    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6973</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>227</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>1907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55749</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7141</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>1127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14221</None>
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    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ENHAN SHRT MA AC</titleOfClass>
    <cusip>72201R833</cusip>
    <value>3526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34692</None>
    </votingAuthority>
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    <nameOfIssuer>PIONEER HIGH INCOME TR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72369H106</cusip>
    <value>143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14488</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3083</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES ETF TR II</nameOfIssuer>
    <titleOfClass>DEV MKTS EX-US</titleOfClass>
    <cusip>73936T789</cusip>
    <value>422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10531</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES ETF TR II</nameOfIssuer>
    <titleOfClass>INSUR NATL MUN</titleOfClass>
    <cusip>73936T474</cusip>
    <value>693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27701</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES ETF TR II</nameOfIssuer>
    <titleOfClass>PFD PORTFOLIO</titleOfClass>
    <cusip>73936T565</cusip>
    <value>177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11918</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POWERSHARES ETF TR II</nameOfIssuer>
    <titleOfClass>PWRSHS SP500 LOW</titleOfClass>
    <cusip>73937B654</cusip>
    <value>497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12275</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POWERSHARES ETF TR II</nameOfIssuer>
    <titleOfClass>S&amp;P400 LOVL PT</titleOfClass>
    <cusip>73937B647</cusip>
    <value>4622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>109213</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES ETF TR II</nameOfIssuer>
    <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
    <cusip>73937B779</cusip>
    <value>365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8408</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES ETF TR II</nameOfIssuer>
    <titleOfClass>S&amp;P600 LOVL PT</titleOfClass>
    <cusip>73937B639</cusip>
    <value>7035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>164145</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES ETF TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P 500 QLTY PRT</titleOfClass>
    <cusip>73935X682</cusip>
    <value>2115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>77286</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POWERSHARES ETF TRUST II</nameOfIssuer>
    <titleOfClass>GLBL ST HI YLD</titleOfClass>
    <cusip>73936Q710</cusip>
    <value>717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29188</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POWERSHARES ETF TRUST II</nameOfIssuer>
    <titleOfClass>SENIOR LN PORT</titleOfClass>
    <cusip>73936Q769</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11207</None>
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  <infoTable>
    <nameOfIssuer>POWERSHARES QQQ TRUST</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>73935A104</cusip>
    <value>759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5730</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>POWERSHS DB MULTI SECT COMM</nameOfIssuer>
    <titleOfClass>DB OIL FUND</titleOfClass>
    <cusip>73936B507</cusip>
    <value>473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>53803</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICELINE GRP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>741503403</cusip>
    <value>385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>216</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>16456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>183146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 DV ARIST</titleOfClass>
    <cusip>74348A467</cusip>
    <value>481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8553</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROSPECT CAPITAL CORPORATION</nameOfIssuer>
    <titleOfClass>NOTE 5.375%10/1</titleOfClass>
    <cusip>74348TAK8</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>PRN</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PRUDENTIAL GLB SHT DUR HG YL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74433A109</cusip>
    <value>158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10619</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74460D109</cusip>
    <value>390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1783</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV</nameOfIssuer>
    <titleOfClass>SHS NEW</titleOfClass>
    <cusip>N72482123</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15841</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>755111507</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1677</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>756109104</cusip>
    <value>829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13915</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RETAIL PPTYS AMER INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>76131V202</cusip>
    <value>287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19890</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REYNOLDS AMERICAN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>761713106</cusip>
    <value>923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14645</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RITE AID CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>767754104</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21963</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
    <titleOfClass>SPONS ADR A</titleOfClass>
    <cusip>780259206</cusip>
    <value>730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13836</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYDEX ETF TRUST</nameOfIssuer>
    <titleOfClass>GUG S&amp;P500 PU GR</titleOfClass>
    <cusip>78355W403</cusip>
    <value>421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4696</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANDY SPRING BANCORP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>800363103</cusip>
    <value>942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22986</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3401</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-FINL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27683</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27683</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7646</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUS XM HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82968B103</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11487</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>832696405</cusip>
    <value>481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3669</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>1463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29385</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>3236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27263</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>DJ GLB RL ES ETF</titleOfClass>
    <cusip>78463X749</cusip>
    <value>213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4520</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>13788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58487</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>2379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7615</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOMBRG BRC EMRG</titleOfClass>
    <cusip>78464A391</cusip>
    <value>1120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39735</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOMBRG BRC TIPS</titleOfClass>
    <cusip>78464A656</cusip>
    <value>188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3295</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOMBRG BRC TIPS</titleOfClass>
    <cusip>78464A656</cusip>
    <value>194771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3418834</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3418834</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOOMBERG BRCLYS</titleOfClass>
    <cusip>78464A417</cusip>
    <value>395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10691</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VALUE</titleOfClass>
    <cusip>78464A508</cusip>
    <value>239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>9269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>105164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P TRANSN ETF</titleOfClass>
    <cusip>78464A532</cusip>
    <value>534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPIRIT RLTY CAP INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>84860W102</cusip>
    <value>183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18027</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15942</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STOCK YDS BANCORP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>861025104</cusip>
    <value>438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10773</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNCOR ENERGY INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>867224107</cusip>
    <value>756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24583</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>810</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORCHMARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>891027104</cusip>
    <value>332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4313</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TORONTO DOMINION BK ONT</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>891160509</cusip>
    <value>253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5037</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2274</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWITTER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90184L102</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15415</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNDER ARMOUR INC</nameOfIssuer>
    <titleOfClass>CL C</titleOfClass>
    <cusip>904311206</cusip>
    <value>615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33623</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>1272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12007</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED MICROELECTRONICS CORP</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>910873405</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17340</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7930</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STATES OIL FUND LP</nameOfIssuer>
    <titleOfClass>UNITS</titleOfClass>
    <cusip>91232N108</cusip>
    <value>1465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>137672</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STATES OIL FUND LP</nameOfIssuer>
    <titleOfClass>UNITS</titleOfClass>
    <cusip>91232N108</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>913017109</cusip>
    <value>541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4822</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>913017109</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3349</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIVERSAL HEALTH RLTY INCM T</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>91359E105</cusip>
    <value>306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>1221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23713</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
    <titleOfClass>AMT FREE INT ETF</titleOfClass>
    <cusip>92189F544</cusip>
    <value>837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35724</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK VECTORS ETF TR</nameOfIssuer>
    <titleOfClass>HIGH YLD MUN ETF</titleOfClass>
    <cusip>92189F361</cusip>
    <value>684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2497</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
    <titleOfClass>LONG TERM BOND</titleOfClass>
    <cusip>921937793</cusip>
    <value>18358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>203892</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
    <titleOfClass>LONG TERM BOND</titleOfClass>
    <cusip>921937793</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>1204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15099</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>181583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2239551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2239551</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FD INC</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5197</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>1469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12081</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>3062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28331</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>12419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>109949</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2045</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>18486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>181374</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>2620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18811</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REIT ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>6202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>75088</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REIT ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>4260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51571</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1327</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>15454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>125789</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>2429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19770</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3741</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1833</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>6218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>92087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>759040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>759040</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>1340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11040</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>2915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30561</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>32290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>675101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>1121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23441</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>3034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>76383</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>17072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>429797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>429797</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>24913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>483084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>483084</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11980</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
    <cusip>922042866</cusip>
    <value>28341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>447864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>447864</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
    <cusip>922042866</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3706</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE SMCAP ETF</titleOfClass>
    <cusip>922042718</cusip>
    <value>21010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>204675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE SMCAP ETF</titleOfClass>
    <cusip>922042718</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>559</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>GLB EX US ETF</titleOfClass>
    <cusip>922042676</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>GLB EX US ETF</titleOfClass>
    <cusip>922042676</cusip>
    <value>3795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>71251</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16147</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6269</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>MORTG-BACK SEC</titleOfClass>
    <cusip>92206C771</cusip>
    <value>72570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1381765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1381765</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>MORTG-BACK SEC</titleOfClass>
    <cusip>92206C771</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>550</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>4263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>53463</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>24096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>302185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED PORTFOL</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>30560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>339787</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED PORTFOL</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>6994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>77765</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD TAX MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>41828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1064325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1064325</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD TAX MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>4355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>110822</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS INC</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>4706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>60609</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP VAL ETF</titleOfClass>
    <cusip>921910840</cusip>
    <value>57541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>839652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>839652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA GRWTH IND</titleOfClass>
    <cusip>921910816</cusip>
    <value>55779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>582794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>582794</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA GRWTH IND</titleOfClass>
    <cusip>921910816</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>534</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>1192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8608</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1474</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1721</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VEREIT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92339V100</cusip>
    <value>268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31569</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>2062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42285</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>1205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13559</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VSE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>918284100</cusip>
    <value>700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17158</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2608</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9799</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAL-MART STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>349</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4383</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEBSTER FINL CORP CONN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>947890109</cusip>
    <value>302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6034</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO &amp; CO NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>949746101</cusip>
    <value>961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17265</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESCO AIRCRAFT HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>950814103</cusip>
    <value>455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39914</None>
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  <infoTable>
    <nameOfIssuer>WESTERN ASSET INTM MUNI FD I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>958435109</cusip>
    <value>102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10720</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>DYNAMIC LNG EQ</titleOfClass>
    <cusip>97717X313</cusip>
    <value>494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>EMER MKT HIGH FD</titleOfClass>
    <cusip>97717W315</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5014</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>EMG MKTS SMCAP</titleOfClass>
    <cusip>97717W281</cusip>
    <value>1934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43097</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>HIGH DIV FD</titleOfClass>
    <cusip>97717W208</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4543</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>INTL SMCAP DIV</titleOfClass>
    <cusip>97717W760</cusip>
    <value>596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>ITL HDG QTLY DIV</titleOfClass>
    <cusip>97717X594</cusip>
    <value>606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21299</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>JAPN HEDGE EQT</titleOfClass>
    <cusip>97717W851</cusip>
    <value>237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4693</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>LARGECAP DIVID</titleOfClass>
    <cusip>97717W307</cusip>
    <value>304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3666</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>MDCP EARN FUND</titleOfClass>
    <cusip>97717W570</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5742</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>MIDCAP DIVI FD</titleOfClass>
    <cusip>97717W505</cusip>
    <value>467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4784</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>SMALLCAP DIVID</titleOfClass>
    <cusip>97717W604</cusip>
    <value>266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3298</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>SMLCAP EARN FD</titleOfClass>
    <cusip>97717W562</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6696</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US QTLY DIV GRT</titleOfClass>
    <cusip>97717X669</cusip>
    <value>465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2 3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13112</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
