<SEC-DOCUMENT>0001567619-22-018934.txt : 20221031
<SEC-HEADER>0001567619-22-018934.hdr.sgml : 20221031
<ACCEPTANCE-DATETIME>20221031134207
ACCESSION NUMBER:		0001567619-22-018934
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220930
FILED AS OF DATE:		20221031
DATE AS OF CHANGE:		20221031
EFFECTIVENESS DATE:		20221031

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PINNACLE FINANCIAL PARTNERS INC
		CENTRAL INDEX KEY:			0001115055
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				621812853
		STATE OF INCORPORATION:			TN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-12761
		FILM NUMBER:		221345159

	BUSINESS ADDRESS:	
		STREET 1:		150 THIRD AVENUE SOUTH
		STREET 2:		SUITE 900
		CITY:			NASHVILLE
		STATE:			TN
		ZIP:			37201
		BUSINESS PHONE:		6157443700

	MAIL ADDRESS:	
		STREET 1:		150 THIRD AVENUE SOUTH
		STREET 2:		SUITE 900
		CITY:			NASHVILLE
		STATE:			TN
		ZIP:			37201
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
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<edgarSubmission xmlns="http://www.sec.gov/edgar/thirteenffiler" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>true</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
      <filer>
        <credentials>
          <cik>0001115055</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>09-30-2022</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>09-30-2022</reportCalendarOrQuarter>
      <filingManager>
        <name>PINNACLE FINANCIAL PARTNERS INC</name>
        <address>
          <com:street1>150 THIRD AVENUE SOUTH</com:street1>
          <com:street2>SUITE 900</com:street2>
          <com:city>NASHVILLE</com:city>
          <com:stateOrCountry>TN</com:stateOrCountry>
          <com:zipCode>37201</com:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-12761</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Harold R. Carpenter</name>
      <title>Chief Financial Officer</title>
      <phone>615-744-3700</phone>
      <signature>Harold R. Carpenter</signature>
      <city>Nashville</city>
      <stateOrCountry>TN</stateOrCountry>
      <signatureDate>10-31-2022</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>2</otherIncludedManagersCount>
      <tableEntryTotal>1058</tableEntryTotal>
      <tableValueTotal>2763615</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
      <otherManagers2Info>
        <otherManager2>
          <sequenceNumber>1</sequenceNumber>
          <otherManager>
            <cik>0001697281</cik>
            <name>Pinnacle Bank</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>2</sequenceNumber>
          <otherManager>
            <cik>0001698283</cik>
            <form13FFileNumber>028-19017</form13FFileNumber>
            <name>Pinnacle Wealth Advisors</name>
          </otherManager>
        </otherManager2>
      </otherManagers2Info>
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</TEXT>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>form13fInfoTable.xml
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			<nameOfIssuer>AAON INC</nameOfIssuer>
			<titleOfClass>COM PAR $0.004</titleOfClass>
			<cusip>000360206</cusip>
			<value>40</value>
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			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
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				<Shared>0</Shared>
				<None>79</None>
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		<infoTable>
			<nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
			<titleOfClass>SHS CLASS A</titleOfClass>
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			<shrsOrPrnAmt>
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				<Sole>2787</Sole>
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		<infoTable>
			<nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
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			<cusip>G1151C101</cusip>
			<value>32</value>
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			<nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<nameOfIssuer>AGREE RLTY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>008492100</cusip>
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				<None>649</None>
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		<infoTable>
			<nameOfIssuer>ALCOA CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>013872106</cusip>
			<value>2429</value>
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		<infoTable>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>015271109</cusip>
			<value>18</value>
			<shrsOrPrnAmt>
				<sshPrnamt>130</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>130</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALIGN TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>016255101</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>65</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>65</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>018802108</cusip>
			<value>224</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4231</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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				<None>1050</None>
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		<infoTable>
			<nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>018802108</cusip>
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				<sshPrnamt>320</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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				<Sole>320</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
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				<sshPrnamt>12909</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>12491</Sole>
				<Shared>0</Shared>
				<None>418</None>
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		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>020002101</cusip>
			<value>239</value>
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				<sshPrnamt>1925</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>155</Sole>
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				<None>1770</None>
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		<infoTable>
			<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>020002101</cusip>
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				<sshPrnamt>32</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>32</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ALPHABET INC</nameOfIssuer>
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				<sshPrnamt>210933</sshPrnamt>
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				<None>13500</None>
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		<infoTable>
			<nameOfIssuer>ALPHABET INC</nameOfIssuer>
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				<sshPrnamt>183711</sshPrnamt>
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		<infoTable>
			<nameOfIssuer>ALPHABET INC</nameOfIssuer>
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		<infoTable>
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				<sshPrnamt>160</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>0</None>
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			<nameOfIssuer>ALPHABET INC</nameOfIssuer>
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				<sshPrnamt>59209</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>31954</None>
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		<infoTable>
			<nameOfIssuer>ALPHABET INC</nameOfIssuer>
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				<sshPrnamt>21360</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>19200</None>
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		<infoTable>
			<nameOfIssuer>ALPHABET INC</nameOfIssuer>
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			<cusip>02079K107</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<None>182160</None>
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		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>104216</Sole>
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				<None>3130</None>
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		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>151</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>02209S103</cusip>
			<value>171</value>
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				<sshPrnamt>4245</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4245</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>023135106</cusip>
			<value>21032</value>
			<shrsOrPrnAmt>
				<sshPrnamt>186130</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>163774</Sole>
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				<None>22356</None>
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		<infoTable>
			<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>023135106</cusip>
			<value>19475</value>
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				<sshPrnamt>172343</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>21458</Sole>
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				<None>150885</None>
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		<infoTable>
			<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>023135106</cusip>
			<value>7451</value>
			<shrsOrPrnAmt>
				<sshPrnamt>65940</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5840</Sole>
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				<None>60100</None>
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		<infoTable>
			<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>023135106</cusip>
			<value>19</value>
			<shrsOrPrnAmt>
				<sshPrnamt>170</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>170</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AMEREN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>023608102</cusip>
			<value>423</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5256</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5256</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AMEREN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>023608102</cusip>
			<value>12</value>
			<shrsOrPrnAmt>
				<sshPrnamt>150</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>150</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
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			<value>4373</value>
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				<sshPrnamt>50584</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<None>8022</None>
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		<infoTable>
			<nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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				<None>800</None>
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		<infoTable>
			<nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
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			<cusip>025537101</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1839</Sole>
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				<None>25</None>
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		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
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			<cusip>025816109</cusip>
			<value>8097</value>
			<shrsOrPrnAmt>
				<sshPrnamt>60018</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>48027</Sole>
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				<None>11991</None>
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		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
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			<cusip>025816109</cusip>
			<value>918</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6805</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>4790</Sole>
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				<None>2015</None>
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		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
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			<cusip>025816109</cusip>
			<value>6740</value>
			<shrsOrPrnAmt>
				<sshPrnamt>49961</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2911</Sole>
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				<None>47050</None>
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		<infoTable>
			<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
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			<cusip>025816109</cusip>
			<value>15</value>
			<shrsOrPrnAmt>
				<sshPrnamt>112</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>112</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>03027X100</cusip>
			<value>4117</value>
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				<sshPrnamt>19174</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>7111</Sole>
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				<None>12063</None>
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		<infoTable>
			<nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>03027X100</cusip>
			<value>982</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4574</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>2482</Sole>
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				<None>2092</None>
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		<infoTable>
			<nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>03027X100</cusip>
			<value>9469</value>
			<shrsOrPrnAmt>
				<sshPrnamt>44103</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>55</Sole>
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				<None>44048</None>
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		<infoTable>
			<nameOfIssuer>AMERIPRISE FINL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>03076C106</cusip>
			<value>471</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1869</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1403</Sole>
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				<None>466</None>
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		<infoTable>
			<nameOfIssuer>AMETEK INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>031100100</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>5</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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				<Shared>0</Shared>
				<None>5</None>
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		<infoTable>
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			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>48886</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>48216</Sole>
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				<None>670</None>
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		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>031162100</cusip>
			<value>1266</value>
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				<sshPrnamt>5617</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>5040</Sole>
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		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>1502</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1453</Sole>
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		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>031162100</cusip>
			<value>23</value>
			<shrsOrPrnAmt>
				<sshPrnamt>101</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>101</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AMPHASTAR PHARMACEUTICALS IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>03209R103</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>032654105</cusip>
			<value>45</value>
			<shrsOrPrnAmt>
				<sshPrnamt>323</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>323</None>
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		<infoTable>
			<nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>03524A108</cusip>
			<value>314</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6962</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>6900</Sole>
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				<None>62</None>
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		<infoTable>
			<nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>03524A108</cusip>
			<value>68</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1500</None>
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		<infoTable>
			<nameOfIssuer>ANSYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>03662Q105</cusip>
			<value>60</value>
			<shrsOrPrnAmt>
				<sshPrnamt>270</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>270</None>
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		<infoTable>
			<nameOfIssuer>APARTMENT INCOME REIT CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>03750L109</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>67</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>67</None>
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		<infoTable>
			<nameOfIssuer>APOLLO GLOBAL MGMT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>03769M106</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>90</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>90</None>
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		<infoTable>
			<nameOfIssuer>APOLLO GLOBAL MGMT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>03769M106</cusip>
			<value>1116</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>24000</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>037833100</cusip>
			<value>68498</value>
			<shrsOrPrnAmt>
				<sshPrnamt>495642</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>440183</Sole>
				<Shared>114</Shared>
				<None>55345</None>
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		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>037833100</cusip>
			<value>25447</value>
			<shrsOrPrnAmt>
				<sshPrnamt>184135</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>34532</Sole>
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				<None>149603</None>
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		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>037833100</cusip>
			<value>27733</value>
			<shrsOrPrnAmt>
				<sshPrnamt>200672</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>13922</Sole>
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				<None>186750</None>
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		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>037833100</cusip>
			<value>36</value>
			<shrsOrPrnAmt>
				<sshPrnamt>260</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>260</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>039483102</cusip>
			<value>330</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4097</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4097</None>
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		<infoTable>
			<nameOfIssuer>ARES CAPITAL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>04010L103</cusip>
			<value>368</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21774</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>21774</None>
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		<infoTable>
			<nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
			<titleOfClass>N Y REGISTRY SHS</titleOfClass>
			<cusip>N07059210</cusip>
			<value>544</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1309</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1259</Sole>
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				<None>50</None>
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		<infoTable>
			<nameOfIssuer>ASPEN TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>29109X106</cusip>
			<value>71</value>
			<shrsOrPrnAmt>
				<sshPrnamt>296</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>296</None>
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		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00206R102</cusip>
			<value>920</value>
			<shrsOrPrnAmt>
				<sshPrnamt>59999</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>54662</Sole>
				<Shared>0</Shared>
				<None>5337</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00206R102</cusip>
			<value>82</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5341</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>5341</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00206R102</cusip>
			<value>407</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26530</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>26133</Sole>
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				<None>397</None>
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		<infoTable>
			<nameOfIssuer>ATMOS ENERGY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>049560105</cusip>
			<value>398</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3913</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3267</Sole>
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				<None>646</None>
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		<infoTable>
			<nameOfIssuer>ATMOS ENERGY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>049560105</cusip>
			<value>102</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>1000</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ATMOS ENERGY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>049560105</cusip>
			<value>61</value>
			<shrsOrPrnAmt>
				<sshPrnamt>600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>600</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>053015103</cusip>
			<value>31403</value>
			<shrsOrPrnAmt>
				<sshPrnamt>138834</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>138291</Sole>
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				<None>543</None>
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		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>053015103</cusip>
			<value>468</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2071</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>2071</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>053015103</cusip>
			<value>903</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3992</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3992</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>AUTONATION INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>05329W102</cusip>
			<value>67</value>
			<shrsOrPrnAmt>
				<sshPrnamt>660</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>660</None>
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		<infoTable>
			<nameOfIssuer>AUTOZONE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>053332102</cusip>
			<value>2934</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1370</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1242</Sole>
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				<None>128</None>
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		<infoTable>
			<nameOfIssuer>AUTOZONE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>053332102</cusip>
			<value>13421</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6266</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>6266</None>
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		<infoTable>
			<nameOfIssuer>AVALARA INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>05338G106</cusip>
			<value>6</value>
			<shrsOrPrnAmt>
				<sshPrnamt>65</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>65</None>
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		<infoTable>
			<nameOfIssuer>AVALONBAY CMNTYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>053484101</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>50</None>
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		<infoTable>
			<nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>053611109</cusip>
			<value>33</value>
			<shrsOrPrnAmt>
				<sshPrnamt>204</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>204</None>
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		<infoTable>
			<nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>063671101</cusip>
			<value>12326</value>
			<shrsOrPrnAmt>
				<sshPrnamt>140642</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>140642</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>063671101</cusip>
			<value>94</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1072</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>1072</Sole>
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		<infoTable>
			<nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>063671101</cusip>
			<value>337</value>
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				<sshPrnamt>3845</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3845</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>BARRICK GOLD CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>067901108</cusip>
			<value>3</value>
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				<sshPrnamt>173</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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				<Shared>0</Shared>
				<None>173</None>
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		<infoTable>
			<nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>071813109</cusip>
			<value>342</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6357</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>6357</None>
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		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>084670108</cusip>
			<value>2845</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>1</Sole>
				<Shared>0</Shared>
				<None>6</None>
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		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>084670108</cusip>
			<value>25608</value>
			<shrsOrPrnAmt>
				<sshPrnamt>63</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>63</None>
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		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
			<titleOfClass>CL B NEW</titleOfClass>
			<cusip>084670702</cusip>
			<value>5452</value>
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				<sshPrnamt>20418</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>8789</Sole>
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				<None>11629</None>
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		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
			<titleOfClass>CL B NEW</titleOfClass>
			<cusip>084670702</cusip>
			<value>1109</value>
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				<sshPrnamt>4152</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4102</Sole>
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				<None>50</None>
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		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
			<titleOfClass>CL B NEW</titleOfClass>
			<cusip>084670702</cusip>
			<value>6314</value>
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				<sshPrnamt>23646</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>23646</None>
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		<infoTable>
			<nameOfIssuer>BEST BUY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>086516101</cusip>
			<value>1</value>
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				<sshPrnamt>15</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<None>15</None>
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		<infoTable>
			<nameOfIssuer>BIO RAD LABS INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>090572207</cusip>
			<value>1755</value>
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				<sshPrnamt>4207</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>4136</Sole>
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				<None>36</None>
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		<infoTable>
			<nameOfIssuer>BK OF AMERICA CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>060505104</cusip>
			<value>1992</value>
			<shrsOrPrnAmt>
				<sshPrnamt>65976</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>44768</Sole>
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				<None>21208</None>
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		<infoTable>
			<nameOfIssuer>BK OF AMERICA CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>060505104</cusip>
			<value>113</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3756</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3756</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>BK OF AMERICA CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>060505104</cusip>
			<value>7295</value>
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				<sshPrnamt>241549</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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				<Shared>0</Shared>
				<None>241549</None>
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		<infoTable>
			<nameOfIssuer>BLACKLINE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09239B109</cusip>
			<value>6</value>
			<shrsOrPrnAmt>
				<sshPrnamt>105</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>105</None>
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		<infoTable>
			<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09247X101</cusip>
			<value>12693</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23066</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>22664</Sole>
				<Shared>26</Shared>
				<None>376</None>
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		<infoTable>
			<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09247X101</cusip>
			<value>120</value>
			<shrsOrPrnAmt>
				<sshPrnamt>218</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>178</Sole>
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				<None>40</None>
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		<infoTable>
			<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09247X101</cusip>
			<value>284</value>
			<shrsOrPrnAmt>
				<sshPrnamt>517</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>517</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN</nameOfIssuer>
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			<cusip>09253N104</cusip>
			<value>40</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>3591</None>
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		<infoTable>
			<nameOfIssuer>BLACKROCK MUNIYIELD QUALITY</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09254E103</cusip>
			<value>39</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3700</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>3700</None>
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		<infoTable>
			<nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09260D107</cusip>
			<value>374</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4470</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1066</Sole>
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				<None>3404</None>
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		<infoTable>
			<nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09260D107</cusip>
			<value>170</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2030</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2030</None>
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		<infoTable>
			<nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09260D107</cusip>
			<value>3045</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36380</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>36380</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>BLACKSTONE MTG TR INC</nameOfIssuer>
			<titleOfClass>COM CL A</titleOfClass>
			<cusip>09257W100</cusip>
			<value>528</value>
			<shrsOrPrnAmt>
				<sshPrnamt>22619</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<Shared>0</Shared>
				<None>22619</None>
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		<infoTable>
			<nameOfIssuer>BLACKSTONE SENIOR FLOATNG RA</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09256U105</cusip>
			<value>134</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10658</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>10658</None>
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		<infoTable>
			<nameOfIssuer>BLACKSTONE STRATEGIC CREDIT</nameOfIssuer>
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			<cusip>09257R101</cusip>
			<value>24</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2234</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>0</Sole>
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				<None>2234</None>
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		<infoTable>
			<nameOfIssuer>BLOCK INC</nameOfIssuer>
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			<value>1</value>
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				<sshPrnamt>10</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>10</None>
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		<infoTable>
			<nameOfIssuer>BOEING CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>267</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2202</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1484</Sole>
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				<None>718</None>
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		<infoTable>
			<nameOfIssuer>BOEING CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>097023105</cusip>
			<value>15</value>
			<shrsOrPrnAmt>
				<sshPrnamt>125</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>0</Sole>
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				<None>125</None>
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		<infoTable>
			<nameOfIssuer>BOEING CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>097023105</cusip>
			<value>21</value>
			<shrsOrPrnAmt>
				<sshPrnamt>175</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>175</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09857L108</cusip>
			<value>736</value>
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				<sshPrnamt>448</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>46</Sole>
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				<None>402</None>
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		<infoTable>
			<nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09857L108</cusip>
			<value>3291</value>
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				<sshPrnamt>2003</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>2003</None>
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		<infoTable>
			<nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>09857L108</cusip>
			<value>219</value>
			<shrsOrPrnAmt>
				<sshPrnamt>133</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>133</None>
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		<infoTable>
			<nameOfIssuer>BOSTON PROPERTIES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>101121101</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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		<infoTable>
			<nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>101137107</cusip>
			<value>2</value>
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				<sshPrnamt>55</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<None>55</None>
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		<infoTable>
			<nameOfIssuer>BP PLC</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>055622104</cusip>
			<value>272</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9531</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8620</Sole>
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				<None>911</None>
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		<infoTable>
			<nameOfIssuer>BP PLC</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>65</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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				<None>65</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>110122108</cusip>
			<value>3111</value>
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				<sshPrnamt>43767</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>33145</Sole>
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				<None>10622</None>
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			<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
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			<cusip>110122108</cusip>
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		<infoTable>
			<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>142</None>
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			<nameOfIssuer>BROADCOM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>11135F101</cusip>
			<value>607</value>
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				<sshPrnamt>1368</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>707</Sole>
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				<None>661</None>
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		<infoTable>
			<nameOfIssuer>BROADCOM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>169</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>169</None>
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		<infoTable>
			<nameOfIssuer>BROADCOM INC</nameOfIssuer>
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			<cusip>11135F101</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>71</Sole>
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				<None>19</None>
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			<nameOfIssuer>BROOKFIELD ASSET MGMT INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>BROOKFIELD ASSET MGMT INC</nameOfIssuer>
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				<None>71351</None>
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		<infoTable>
			<nameOfIssuer>BURLINGTON STORES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>122017106</cusip>
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				<None>145</None>
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			<nameOfIssuer>C H ROBINSON WORLDWIDE INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>C H ROBINSON WORLDWIDE INC</nameOfIssuer>
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			<nameOfIssuer>CAMDEN PPTY TR</nameOfIssuer>
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			<nameOfIssuer>CANADIAN IMPERIAL BK COMM TO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>136069101</cusip>
			<value>288</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>6310</Sole>
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		<infoTable>
			<nameOfIssuer>CANADIAN IMPERIAL BK COMM TO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
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			<cusip>136375102</cusip>
			<value>19</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<None>175</None>
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		<infoTable>
			<nameOfIssuer>CANADIAN PAC RY LTD</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>1778</None>
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		<infoTable>
			<nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<cusip>143130102</cusip>
			<value>1184</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CARMAX INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>34561</None>
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			<nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>836</None>
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		<infoTable>
			<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
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			<cusip>149123101</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CENTERSPACE</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>30</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<nameOfIssuer>CHARLES RIV LABS INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>26</value>
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				<sshPrnamt>130</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>CHART INDS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>57</value>
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				<sshPrnamt>310</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>310</Sole>
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		<infoTable>
			<nameOfIssuer>CHART INDS INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>1185</Sole>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>20</None>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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		<infoTable>
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				<sshPrnamt>11507</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>6442</Sole>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
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			<cusip>166764100</cusip>
			<value>667</value>
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				<sshPrnamt>4645</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>4627</Sole>
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				<None>18</None>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
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			<cusip>166764100</cusip>
			<value>18</value>
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				<sshPrnamt>122</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>169656105</cusip>
			<value>633</value>
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				<sshPrnamt>421</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>393</Sole>
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		<infoTable>
			<nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>169656105</cusip>
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				<sshPrnamt>7</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>7</Sole>
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		<infoTable>
			<nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>297</Sole>
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				<None>19</None>
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		<infoTable>
			<nameOfIssuer>CHURCH &amp; DWIGHT CO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<None>560</None>
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		<infoTable>
			<nameOfIssuer>CIENA CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>CIGNA CORP NEW</nameOfIssuer>
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			<nameOfIssuer>CINTAS CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>CINTAS CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>CINTAS CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>CISCO SYS INC</nameOfIssuer>
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				<Sole>85159</Sole>
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				<None>11085</None>
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		<infoTable>
			<nameOfIssuer>CISCO SYS INC</nameOfIssuer>
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			<cusip>17275R102</cusip>
			<value>236</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CISCO SYS INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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			<cusip>172967424</cusip>
			<value>22</value>
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		<infoTable>
			<nameOfIssuer>CITIZENS FINL GROUP INC</nameOfIssuer>
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			<nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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			<cusip>189054109</cusip>
			<value>679</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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			<value>41</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CME GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>605</None>
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		<infoTable>
			<nameOfIssuer>CME GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>1334</Sole>
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		<infoTable>
			<nameOfIssuer>CME GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CMS ENERGY CORP</nameOfIssuer>
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			<cusip>125896100</cusip>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>COCA COLA CO</nameOfIssuer>
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			<value>1416</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE</nameOfIssuer>
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			<cusip>G25839104</cusip>
			<value>4</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>1170</None>
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		<infoTable>
			<nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2600</None>
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		<infoTable>
			<nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>209115104</cusip>
			<value>244</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2840</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>2840</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
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			<cusip>21036P108</cusip>
			<value>1382</value>
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				<sshPrnamt>6018</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>5954</Sole>
				<Shared>0</Shared>
				<None>64</None>
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		<infoTable>
			<nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>21036P108</cusip>
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				<sshPrnamt>23</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>23</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>21036P108</cusip>
			<value>264</value>
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				<sshPrnamt>1150</sshPrnamt>
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				<None>1150</None>
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		<infoTable>
			<nameOfIssuer>CONTINENTAL RES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>212015101</cusip>
			<value>181</value>
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				<sshPrnamt>2704</sshPrnamt>
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				<None>2704</None>
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		<infoTable>
			<nameOfIssuer>COPART INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>217204106</cusip>
			<value>2044</value>
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				<sshPrnamt>19207</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>14551</Sole>
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				<None>4656</None>
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		<infoTable>
			<nameOfIssuer>COPART INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>217204106</cusip>
			<value>3390</value>
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				<sshPrnamt>31863</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>31863</None>
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		<infoTable>
			<nameOfIssuer>COPART INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>217204106</cusip>
			<value>4157</value>
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				<sshPrnamt>39073</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>43</Sole>
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				<None>39030</None>
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		<infoTable>
			<nameOfIssuer>CORNING INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>219350105</cusip>
			<value>1</value>
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				<sshPrnamt>44</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>44</None>
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		<infoTable>
			<nameOfIssuer>CORTEVA INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>22052L104</cusip>
			<value>228</value>
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				<sshPrnamt>3990</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1840</Sole>
				<Shared>0</Shared>
				<None>2150</None>
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		<infoTable>
			<nameOfIssuer>COSTAR GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>22160N109</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>50</None>
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		<infoTable>
			<nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>22160K105</cusip>
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				<sshPrnamt>33676</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>33054</Sole>
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				<None>622</None>
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		<infoTable>
			<nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>22160K105</cusip>
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				<sshPrnamt>2551</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>1986</Sole>
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				<None>565</None>
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		<infoTable>
			<nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>22160K105</cusip>
			<value>563</value>
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				<sshPrnamt>1192</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1192</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>22160K105</cusip>
			<value>9</value>
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				<sshPrnamt>20</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>20</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>127097103</cusip>
			<value>4</value>
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				<sshPrnamt>162</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>162</None>
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		<infoTable>
			<nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>22822V101</cusip>
			<value>6882</value>
			<shrsOrPrnAmt>
				<sshPrnamt>47616</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>46334</Sole>
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				<None>1282</None>
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		<infoTable>
			<nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>22822V101</cusip>
			<value>63</value>
			<shrsOrPrnAmt>
				<sshPrnamt>433</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>308</Sole>
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				<None>125</None>
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		<infoTable>
			<nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>22822V101</cusip>
			<value>240</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1657</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1565</Sole>
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				<None>92</None>
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		<infoTable>
			<nameOfIssuer>CSX CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>126408103</cusip>
			<value>1052</value>
			<shrsOrPrnAmt>
				<sshPrnamt>39492</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>36364</Sole>
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				<None>3128</None>
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		<infoTable>
			<nameOfIssuer>CUBESMART</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>229663109</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>95</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>95</None>
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		<infoTable>
			<nameOfIssuer>CUMMINS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>231021106</cusip>
			<value>318</value>
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				<sshPrnamt>1564</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1129</Sole>
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				<None>435</None>
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		<infoTable>
			<nameOfIssuer>CUMMINS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>231021106</cusip>
			<value>81</value>
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				<sshPrnamt>400</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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				<None>400</None>
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		<infoTable>
			<nameOfIssuer>CUMMINS INC</nameOfIssuer>
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			<value>7</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>36</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>126650100</cusip>
			<value>3564</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37365</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>23820</Sole>
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				<None>13545</None>
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		<infoTable>
			<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>126650100</cusip>
			<value>8653</value>
			<shrsOrPrnAmt>
				<sshPrnamt>90732</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>3181</Sole>
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				<None>87551</None>
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		<infoTable>
			<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>126650100</cusip>
			<value>6974</value>
			<shrsOrPrnAmt>
				<sshPrnamt>73122</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>1072</Sole>
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				<None>72050</None>
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		<infoTable>
			<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>126650100</cusip>
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				<sshPrnamt>125</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>125</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>48371</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>47295</Sole>
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				<None>1076</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>235851102</cusip>
			<value>1838</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7113</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>4079</Sole>
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				<None>3034</None>
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		<infoTable>
			<nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>235851102</cusip>
			<value>496</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1920</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1920</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>244199105</cusip>
			<value>3858</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11555</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>11395</Sole>
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				<None>160</None>
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		<infoTable>
			<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>244199105</cusip>
			<value>3131</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9375</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>1883</Sole>
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				<None>7492</None>
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		<infoTable>
			<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>244199105</cusip>
			<value>107</value>
			<shrsOrPrnAmt>
				<sshPrnamt>320</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>320</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>244199105</cusip>
			<value>10</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>30</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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		<infoTable>
			<nameOfIssuer>DEXCOM INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>28944</Sole>
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		<infoTable>
			<nameOfIssuer>DEXCOM INC</nameOfIssuer>
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			<value>139</value>
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				<sshPrnamt>1722</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>790</Sole>
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				<None>932</None>
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		<infoTable>
			<nameOfIssuer>DEXCOM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>252131107</cusip>
			<value>93</value>
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				<sshPrnamt>1156</sshPrnamt>
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				<Sole>1156</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>DIAGEO PLC</nameOfIssuer>
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			<cusip>25243Q205</cusip>
			<value>1640</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>1714</Sole>
				<Shared>0</Shared>
				<None>7941</None>
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		<infoTable>
			<nameOfIssuer>DIAGEO PLC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>DIAGEO PLC</nameOfIssuer>
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			<cusip>25243Q205</cusip>
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				<None>37050</None>
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		<infoTable>
			<nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>DIMENSIONAL ETF TR</nameOfIssuer>
			<titleOfClass>US CORE EQUITY 2</titleOfClass>
			<cusip>25434V708</cusip>
			<value>43</value>
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				<sshPrnamt>1923</sshPrnamt>
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				<None>1923</None>
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		<infoTable>
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			<cusip>25434V708</cusip>
			<value>324</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>14571</None>
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		<infoTable>
			<nameOfIssuer>DIMENSIONAL ETF TR</nameOfIssuer>
			<titleOfClass>US EQUITY ETF</titleOfClass>
			<cusip>25434V401</cusip>
			<value>168</value>
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				<sshPrnamt>4325</sshPrnamt>
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				<None>4325</None>
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		<infoTable>
			<nameOfIssuer>DIMENSIONAL ETF TR</nameOfIssuer>
			<titleOfClass>US EQUITY ETF</titleOfClass>
			<cusip>25434V401</cusip>
			<value>880</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>254687106</cusip>
			<value>5696</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>44876</Sole>
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		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>1232</Sole>
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		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
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		<infoTable>
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			<value>9</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>2719</Sole>
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				<None>815</None>
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		<infoTable>
			<nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
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			<value>8102</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<value>238</value>
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				<Sole>240</Sole>
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		<infoTable>
			<nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>DOUBLELINE OPPORTUNISTIC CR</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<None>378</None>
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		<infoTable>
			<nameOfIssuer>DOVER CORP</nameOfIssuer>
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				<sshPrnamt>5</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<None>5</None>
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		<infoTable>
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			<titleOfClass>COM</titleOfClass>
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			<value>8327</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>3960</None>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
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			<titleOfClass>COM CL A</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>5825</None>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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				<sshPrnamt>118</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>26614N102</cusip>
			<value>459</value>
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				<sshPrnamt>9099</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>6217</Sole>
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		<infoTable>
			<nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>20</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>EASTGROUP PPTYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>277276101</cusip>
			<value>19</value>
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				<sshPrnamt>130</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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				<sshPrnamt>19</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<Shared>0</Shared>
				<None>19</None>
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		<infoTable>
			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G29183103</cusip>
			<value>15748</value>
			<shrsOrPrnAmt>
				<sshPrnamt>118088</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>115573</Sole>
				<Shared>0</Shared>
				<None>2515</None>
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		<infoTable>
			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G29183103</cusip>
			<value>310</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2323</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>699</Sole>
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				<None>1624</None>
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		<infoTable>
			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G29183103</cusip>
			<value>374</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2808</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2808</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>EATON VANCE ENHANCED EQUITY</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>278277108</cusip>
			<value>151</value>
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				<sshPrnamt>9847</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
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				<Sole>0</Sole>
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				<None>9847</None>
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		<infoTable>
			<nameOfIssuer>EATON VANCE TAX-MANAGED DIVE</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>27828N102</cusip>
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				<sshPrnamt>12583</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>12583</None>
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		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>278865100</cusip>
			<value>613</value>
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				<sshPrnamt>4244</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3436</Sole>
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				<None>808</None>
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		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>234</value>
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				<sshPrnamt>1627</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>1527</Sole>
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				<None>100</None>
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		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>278865100</cusip>
			<value>5</value>
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				<sshPrnamt>38</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>38</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>9</value>
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				<sshPrnamt>61</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>61</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>28176E108</cusip>
			<value>126</value>
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				<sshPrnamt>1530</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1530</None>
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		<infoTable>
			<nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>285512109</cusip>
			<value>36</value>
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				<sshPrnamt>310</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>0</Sole>
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				<None>310</None>
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		<infoTable>
			<nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>1057</Sole>
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		<infoTable>
			<nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<None>860</None>
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		<infoTable>
			<nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
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			<value>16784</value>
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				<sshPrnamt>229232</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>222176</Sole>
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				<None>7056</None>
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		<infoTable>
			<nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
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			<cusip>291011104</cusip>
			<value>5955</value>
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				<sshPrnamt>81331</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>8011</Sole>
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		<infoTable>
			<nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>291011104</cusip>
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				<sshPrnamt>8056</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8056</Sole>
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		<infoTable>
			<nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>291011104</cusip>
			<value>8</value>
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				<sshPrnamt>113</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>113</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>14233</Sole>
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		<infoTable>
			<nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<None>190822</None>
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		<infoTable>
			<nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
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				<None>227</None>
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		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
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			<shrsOrPrnAmt>
				<sshPrnamt>26570</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>21711</Sole>
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				<None>4859</None>
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		<infoTable>
			<nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
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			<value>240</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21800</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>21800</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ENPHASE ENERGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>29355A107</cusip>
			<value>266</value>
			<shrsOrPrnAmt>
				<sshPrnamt>959</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>914</Sole>
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				<None>45</None>
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		<infoTable>
			<nameOfIssuer>ENPHASE ENERGY INC</nameOfIssuer>
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			<cusip>29355A107</cusip>
			<value>105</value>
			<shrsOrPrnAmt>
				<sshPrnamt>378</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>378</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>293792107</cusip>
			<value>72</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3011</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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				<None>3011</None>
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		<infoTable>
			<nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
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			<shrsOrPrnAmt>
				<sshPrnamt>45325</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>45325</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>EOG RES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>13275</value>
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				<sshPrnamt>118816</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>115292</Sole>
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				<None>3524</None>
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		<infoTable>
			<nameOfIssuer>EOG RES INC</nameOfIssuer>
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			<cusip>26875P101</cusip>
			<value>8038</value>
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				<sshPrnamt>71937</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>1447</Sole>
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		<infoTable>
			<nameOfIssuer>EOG RES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>26875P101</cusip>
			<value>495</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4434</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4405</Sole>
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				<None>29</None>
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		<infoTable>
			<nameOfIssuer>EQUINIX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>29444U700</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>30</None>
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		<infoTable>
			<nameOfIssuer>EQUITY LIFESTYLE PPTYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>29472R108</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>65</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>65</None>
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		<infoTable>
			<nameOfIssuer>ESSEX PPTY TR INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>297178105</cusip>
			<value>1</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>5</None>
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		<infoTable>
			<nameOfIssuer>ETSY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>29786A106</cusip>
			<value>38</value>
			<shrsOrPrnAmt>
				<sshPrnamt>375</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>375</None>
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		<infoTable>
			<nameOfIssuer>EXACT SCIENCES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>88</value>
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				<sshPrnamt>2710</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2710</None>
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		<infoTable>
			<nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>5</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>27419</None>
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		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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			<cusip>30231G102</cusip>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>6433</Sole>
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				<None>53085</None>
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		<infoTable>
			<nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>40</value>
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				<None>100</None>
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		<infoTable>
			<nameOfIssuer>FB FINL CORP</nameOfIssuer>
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			<cusip>30257X104</cusip>
			<value>39</value>
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				<sshPrnamt>1026</sshPrnamt>
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				<None>1026</None>
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			<nameOfIssuer>FEDEX CORP</nameOfIssuer>
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			<value>967</value>
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				<None>4225</None>
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		<infoTable>
			<nameOfIssuer>FEDEX CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>4571</None>
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			<nameOfIssuer>FEDEX CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>70</Sole>
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				<None>31040</None>
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		<infoTable>
			<nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
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			<cusip>316773100</cusip>
			<value>279</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>5112</Sole>
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				<None>3613</None>
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		<infoTable>
			<nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
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			<cusip>32054K103</cusip>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>285</None>
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		<infoTable>
			<nameOfIssuer>FISERV INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>2006</Sole>
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				<None>9450</None>
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		<infoTable>
			<nameOfIssuer>FISERV INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>51300</None>
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		<infoTable>
			<nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>3265</None>
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		<infoTable>
			<nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>22025</None>
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		<infoTable>
			<nameOfIssuer>FLOWERS FOODS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>200</None>
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		<infoTable>
			<nameOfIssuer>FLOWSERVE CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>27</None>
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		<infoTable>
			<nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>23393</None>
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		<infoTable>
			<nameOfIssuer>FORTINET INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>34959E109</cusip>
			<value>743</value>
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				<sshPrnamt>15128</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>14866</Sole>
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				<None>262</None>
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		<infoTable>
			<nameOfIssuer>FORTINET INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>FORTIVE CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>FORTUNE BRANDS HOME &amp; SEC IN</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>8416</Sole>
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		<infoTable>
			<nameOfIssuer>FOX FACTORY HLDG CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>35138V102</cusip>
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				<sshPrnamt>1260</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>1260</None>
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		<infoTable>
			<nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
			<titleOfClass>CL B</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>928</None>
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		<infoTable>
			<nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>1382</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>1196</Sole>
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				<None>186</None>
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		<infoTable>
			<nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
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				<sshPrnamt>180</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>GAMING &amp; LEISURE PPTYS INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>92</None>
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		<infoTable>
			<nameOfIssuer>GENERAC HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<None>335</None>
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		<infoTable>
			<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>1788</None>
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		<infoTable>
			<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>974</None>
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		<infoTable>
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				<sshPrnamt>26470</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>24081</Sole>
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				<None>2389</None>
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		<infoTable>
			<nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
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			<cusip>370334104</cusip>
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				<sshPrnamt>1300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>1300</Sole>
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		<infoTable>
			<nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>30</None>
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		<infoTable>
			<nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>33411</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>3002</None>
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			<nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<None>147376</None>
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		<infoTable>
			<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
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				<sshPrnamt>5297</sshPrnamt>
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				<Sole>5217</Sole>
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		<infoTable>
			<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
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				<None>15</None>
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		<infoTable>
			<nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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				<Sole>706</Sole>
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				<None>2415</None>
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		<infoTable>
			<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
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				<None>2025</None>
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		<infoTable>
			<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<None>20825</None>
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		<infoTable>
			<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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		<infoTable>
			<nameOfIssuer>GOOSEHEAD INS INC</nameOfIssuer>
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			<nameOfIssuer>GSK PLC</nameOfIssuer>
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			<nameOfIssuer>HARTFORD FINL SVCS GROUP INC</nameOfIssuer>
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			<nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>88433</Sole>
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		<infoTable>
			<nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>40412C101</cusip>
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				<Sole>2808</Sole>
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				<None>0</None>
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			<nameOfIssuer>HEALTHSTREAM INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>HEALTHSTREAM INC</nameOfIssuer>
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			<cusip>42222N103</cusip>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>HEICO CORP NEW</nameOfIssuer>
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			<value>103</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>901</None>
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			<nameOfIssuer>HENRY JACK &amp; ASSOC INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>HENRY JACK &amp; ASSOC INC</nameOfIssuer>
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			<value>17</value>
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				<sshPrnamt>95</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>0</None>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>2688</Sole>
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				<None>0</None>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>1510</None>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>29</Sole>
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		<infoTable>
			<nameOfIssuer>HESS CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<None>445</None>
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		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>25702</Sole>
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				<None>1795</None>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
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				<sshPrnamt>20</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>20</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>459200101</cusip>
			<value>5864</value>
			<shrsOrPrnAmt>
				<sshPrnamt>49353</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>47886</Sole>
				<Shared>0</Shared>
				<None>1467</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>459200101</cusip>
			<value>664</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5588</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>3419</Sole>
				<Shared>0</Shared>
				<None>2169</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>459200101</cusip>
			<value>228</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1915</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1915</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>452308109</cusip>
			<value>422</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2334</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2157</Sole>
				<Shared>0</Shared>
				<None>177</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>452308109</cusip>
			<value>108</value>
			<shrsOrPrnAmt>
				<sshPrnamt>600</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>600</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INMODE LTD</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>M5425M103</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>60</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>60</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>458140100</cusip>
			<value>2661</value>
			<shrsOrPrnAmt>
				<sshPrnamt>103243</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>98515</Sole>
				<Shared>0</Shared>
				<None>4728</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>458140100</cusip>
			<value>251</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9749</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>4707</Sole>
				<Shared>0</Shared>
				<None>5042</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>458140100</cusip>
			<value>224</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8689</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8689</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>458140100</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>210</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>210</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>
			<titleOfClass>COM CL A</titleOfClass>
			<cusip>45841N107</cusip>
			<value>24</value>
			<shrsOrPrnAmt>
				<sshPrnamt>370</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>370</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>45866F104</cusip>
			<value>818</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9051</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2851</Sole>
				<Shared>0</Shared>
				<None>6200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>45866F104</cusip>
			<value>2715</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30050</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>30050</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>45866F104</cusip>
			<value>29</value>
			<shrsOrPrnAmt>
				<sshPrnamt>323</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>323</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>460146103</cusip>
			<value>129</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4057</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4057</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>INTUIT</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>461202103</cusip>
			<value>612</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1581</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1448</Sole>
				<Shared>0</Shared>
				<None>133</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTUIT</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>461202103</cusip>
			<value>55</value>
			<shrsOrPrnAmt>
				<sshPrnamt>141</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>141</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>46120E602</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>9</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
			<titleOfClass>VAR RATE PFD</titleOfClass>
			<cusip>46138G870</cusip>
			<value>7708</value>
			<shrsOrPrnAmt>
				<sshPrnamt>351982</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>351982</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
			<titleOfClass>FTSE RAFI 1000</titleOfClass>
			<cusip>46137V613</cusip>
			<value>377</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2715</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2715</None>
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		<infoTable>
			<nameOfIssuer>INVESCO ACTIVELY MNGD ETC FD</nameOfIssuer>
			<titleOfClass>OPTIMUN YIELD</titleOfClass>
			<cusip>46090F100</cusip>
			<value>189</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11688</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>10062</Sole>
				<Shared>0</Shared>
				<None>1626</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
			<titleOfClass>S&amp;P 500 TOP 50</titleOfClass>
			<cusip>46137V233</cusip>
			<value>229</value>
			<shrsOrPrnAmt>
				<sshPrnamt>850</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>850</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
			<titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
			<cusip>46137V357</cusip>
			<value>1347</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10586</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>10586</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
			<titleOfClass>UNIT SER I</titleOfClass>
			<cusip>46090E103</cusip>
			<value>3605</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13487</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9084</Sole>
				<Shared>0</Shared>
				<None>4403</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
			<titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
			<cusip>46137V357</cusip>
			<value>1244</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9773</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>9773</None>
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		<infoTable>
			<nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
			<titleOfClass>UNIT SER 1</titleOfClass>
			<cusip>46090E103</cusip>
			<value>1772</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6629</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>6629</None>
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		<infoTable>
			<nameOfIssuer>INVITATION HOMES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>46187W107</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>115</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>115</None>
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		<infoTable>
			<nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
			<titleOfClass>ISHARES NEW</titleOfClass>
			<cusip>464285204</cusip>
			<value>275</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8725</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4000</Sole>
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				<None>4725</None>
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		<infoTable>
			<nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
			<titleOfClass>ISHARES NEW</titleOfClass>
			<cusip>464285204</cusip>
			<value>1344</value>
			<shrsOrPrnAmt>
				<sshPrnamt>42627</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
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				<Shared>0</Shared>
				<None>42627</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
			<cusip>464287150</cusip>
			<value>8910</value>
			<shrsOrPrnAmt>
				<sshPrnamt>112023</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>103646</Sole>
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				<None>8377</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>SELECT DIVID ETF</titleOfClass>
			<cusip>464287168</cusip>
			<value>6052</value>
			<shrsOrPrnAmt>
				<sshPrnamt>56441</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>55541</Sole>
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				<None>900</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>SELECT DIVID ETF</titleOfClass>
			<cusip>464287168</cusip>
			<value>1500</value>
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				<sshPrnamt>13989</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>13989</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>SELECT DIVID ETF</titleOfClass>
			<cusip>464287168</cusip>
			<value>513</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4789</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4789</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>CHINA LG-CAP ETF</titleOfClass>
			<cusip>464287184</cusip>
			<value>46</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1760</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
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				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1760</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
			<cusip>464287200</cusip>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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				<None>13434</None>
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			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>478160104</cusip>
			<value>2925</value>
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				<sshPrnamt>17909</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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				<None>3889</None>
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		<infoTable>
			<nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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				<sshPrnamt>51357</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>2307</Sole>
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				<None>49050</None>
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			<nameOfIssuer>JONES LANG LASALLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<Shared>0</Shared>
				<None>3097</None>
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		<infoTable>
			<nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
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				<None>5466</None>
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				<None>24206</None>
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		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
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				<sshPrnamt>91522</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>KAYNE ANDERSON ENERGY INFRST</nameOfIssuer>
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				<None>2255</None>
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			<nameOfIssuer>KEYSIGHT TECHNOLOGIES INC</nameOfIssuer>
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				<None>245</None>
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			<nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
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				<None>5114</None>
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			<nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
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				<sshPrnamt>250</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>5</None>
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		<infoTable>
			<nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
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				<sshPrnamt>270</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>194</Sole>
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				<None>76</None>
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			<nameOfIssuer>KINDER MORGAN INC DEL</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>7079</Sole>
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				<None>8000</None>
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		<infoTable>
			<nameOfIssuer>KINDER MORGAN INC DEL</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>46355</Sole>
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				<None>420</None>
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		<infoTable>
			<nameOfIssuer>KINDER MORGAN INC DEL</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>4187</None>
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		<infoTable>
			<nameOfIssuer>KKR &amp; CO INC</nameOfIssuer>
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				<sshPrnamt>558</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>KKR &amp; CO INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>KKR &amp; CO INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
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				<sshPrnamt>20</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>20</None>
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				<sshPrnamt>4864</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>KROGER CO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
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				<None>55</None>
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		<infoTable>
			<nameOfIssuer>KYNDRYL HLDGS INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>L3HARRIS</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>35</Sole>
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				<None>27640</None>
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		<infoTable>
			<nameOfIssuer>LABORATORY CORP AMER HLDGS</nameOfIssuer>
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			<value>948</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>110</Sole>
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		<infoTable>
			<nameOfIssuer>LABORATORY CORP AMER HLDGS</nameOfIssuer>
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				<sshPrnamt>33830</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>335</None>
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		<infoTable>
			<nameOfIssuer>LAUDER ESTEE COS</nameOfIssuer>
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			<value>285</value>
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				<sshPrnamt>1318</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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				<sshPrnamt>9</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>9</None>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>209</None>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>42728</Sole>
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		<infoTable>
			<nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
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				<sshPrnamt>413</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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				<sshPrnamt>547</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>532</Sole>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>16100</Sole>
				<Shared>0</Shared>
				<None>8222</None>
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		<infoTable>
			<nameOfIssuer>LINCOLN NATL CORP IND</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>534187109</cusip>
			<value>285</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>6500</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>LINDE PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G5494J103</cusip>
			<value>552</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2047</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>1965</Sole>
				<Shared>0</Shared>
				<None>82</None>
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		<infoTable>
			<nameOfIssuer>LINDE PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G5494J103</cusip>
			<value>312</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1156</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1156</None>
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		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>539830109</cusip>
			<value>27004</value>
			<shrsOrPrnAmt>
				<sshPrnamt>69904</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>68944</Sole>
				<Shared>43</Shared>
				<None>917</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>539830109</cusip>
			<value>1084</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2807</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>1184</Sole>
				<Shared>0</Shared>
				<None>1623</None>
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		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>539830109</cusip>
			<value>5303</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13728</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>13720</Sole>
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				<None>8</None>
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		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>539830109</cusip>
			<value>14</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>35</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>LOWES COS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>548661107</cusip>
			<value>1269</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6757</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>6659</Sole>
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				<None>98</None>
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		<infoTable>
			<nameOfIssuer>LOWES COS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>548661107</cusip>
			<value>370</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1970</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1970</None>
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		<infoTable>
			<nameOfIssuer>LOWES COS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>548661107</cusip>
			<value>624</value>
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				<sshPrnamt>3321</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1321</Sole>
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				<None>2000</None>
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		<infoTable>
			<nameOfIssuer>LSI INDS INC OHIO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>50216C108</cusip>
			<value>2871</value>
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				<sshPrnamt>373338</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>373338</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>LULULEMON ATHLETICA INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>550021109</cusip>
			<value>269</value>
			<shrsOrPrnAmt>
				<sshPrnamt>963</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>922</Sole>
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				<None>41</None>
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		<infoTable>
			<nameOfIssuer>LULULEMON ATHLETICA INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>550021109</cusip>
			<value>84</value>
			<shrsOrPrnAmt>
				<sshPrnamt>300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>300</None>
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		<infoTable>
			<nameOfIssuer>LYFT INC</nameOfIssuer>
			<titleOfClass>CL A COM</titleOfClass>
			<cusip>55087P104</cusip>
			<value>5</value>
			<shrsOrPrnAmt>
				<sshPrnamt>350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>350</None>
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		<infoTable>
			<nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>56585A102</cusip>
			<value>129</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1294</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1294</None>
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		<infoTable>
			<nameOfIssuer>MARKETAXESS HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>57060D108</cusip>
			<value>56</value>
			<shrsOrPrnAmt>
				<sshPrnamt>250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>250</None>
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		<infoTable>
			<nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>573874104</cusip>
			<value>3529</value>
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				<sshPrnamt>82239</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>80404</Sole>
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				<None>1835</None>
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		<infoTable>
			<nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>573874104</cusip>
			<value>99</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2307</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>2307</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>573874104</cusip>
			<value>173</value>
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				<sshPrnamt>4040</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4040</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
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			<cusip>57636Q104</cusip>
			<value>2790</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9812</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>8519</Sole>
				<Shared>0</Shared>
				<None>1293</None>
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		<infoTable>
			<nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>57636Q104</cusip>
			<value>135</value>
			<shrsOrPrnAmt>
				<sshPrnamt>475</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>475</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>57636Q104</cusip>
			<value>701</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2464</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2464</None>
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		<infoTable>
			<nameOfIssuer>MATCH GROUP INC NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>57667L107</cusip>
			<value>18</value>
			<shrsOrPrnAmt>
				<sshPrnamt>380</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>380</None>
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		<infoTable>
			<nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COM NON VTG</titleOfClass>
			<cusip>579780206</cusip>
			<value>11</value>
			<shrsOrPrnAmt>
				<sshPrnamt>160</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>160</None>
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		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>580135101</cusip>
			<value>6155</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26675</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>24327</Sole>
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				<None>2348</None>
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		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>580135101</cusip>
			<value>269</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1162</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>280</Sole>
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				<None>882</None>
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		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>580135101</cusip>
			<value>46</value>
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				<sshPrnamt>199</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>199</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>58155Q103</cusip>
			<value>604</value>
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				<sshPrnamt>1777</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1658</Sole>
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				<None>119</None>
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		<infoTable>
			<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>58155Q103</cusip>
			<value>3</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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				<None>10</None>
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		<infoTable>
			<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>58155Q103</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>26</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>3686</value>
			<shrsOrPrnAmt>
				<sshPrnamt>45648</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>40422</Sole>
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				<None>5226</None>
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		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>5699</value>
			<shrsOrPrnAmt>
				<sshPrnamt>70576</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>2783</Sole>
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				<None>67793</None>
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		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>94</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1169</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1169</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>12</value>
			<shrsOrPrnAmt>
				<sshPrnamt>149</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>149</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>MERCADOLIBRE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>58733R102</cusip>
			<value>335</value>
			<shrsOrPrnAmt>
				<sshPrnamt>405</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>405</None>
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		</infoTable>
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			<nameOfIssuer>NATIONAL HEALTHCARE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>635906100</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>15177</sshPrnamt>
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				<None>600</None>
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		<infoTable>
			<nameOfIssuer>NATIONAL HEALTHCARE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>635906100</cusip>
			<value>233</value>
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				<sshPrnamt>3686</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>3686</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>NATIONAL HEALTH INVS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>63633D104</cusip>
			<value>2208</value>
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				<sshPrnamt>39066</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>38933</Sole>
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				<None>133</None>
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		<infoTable>
			<nameOfIssuer>NATIONAL HEALTH INVS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>63633D104</cusip>
			<value>230</value>
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				<sshPrnamt>4075</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>4075</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>NETFLIX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>64110L106</cusip>
			<value>264</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1122</sshPrnamt>
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				<Sole>1030</Sole>
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				<None>92</None>
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		<infoTable>
			<nameOfIssuer>NETFLIX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>64110L106</cusip>
			<value>433</value>
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				<sshPrnamt>1840</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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				<None>1840</None>
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		<infoTable>
			<nameOfIssuer>NETFLIX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>28</value>
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				<sshPrnamt>119</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>0</None>
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			<nameOfIssuer>NEWMONT CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>651639106</cusip>
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				<sshPrnamt>5</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>5</None>
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		<infoTable>
			<nameOfIssuer>NEXPOINT RESIDENTIAL TR INC</nameOfIssuer>
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				<sshPrnamt>55</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>55</None>
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				<sshPrnamt>254887</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>252800</Sole>
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				<None>2087</None>
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		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>65339F101</cusip>
			<value>1100</value>
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				<sshPrnamt>14030</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>12446</Sole>
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		<infoTable>
			<nameOfIssuer>NEXTERA ENERGY</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<Sole>11227</Sole>
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			<nameOfIssuer>NEXTERA ENERGY</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>33</value>
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				<sshPrnamt>420</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>NIKE INC</nameOfIssuer>
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				<sshPrnamt>134875</sshPrnamt>
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			<nameOfIssuer>NIKE INC</nameOfIssuer>
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			<value>964</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>11594</Sole>
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		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
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			<value>453</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>NIKE INC</nameOfIssuer>
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			<value>3</value>
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				<sshPrnamt>40</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
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		<infoTable>
			<nameOfIssuer>NIKOLA CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>654110105</cusip>
			<value>40</value>
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				<sshPrnamt>11265</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>11265</Sole>
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			<titleOfClass>USD ORD SHS</titleOfClass>
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			<shrsOrPrnAmt>
				<sshPrnamt>52</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<Shared>0</Shared>
				<None>52</None>
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		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>655844108</cusip>
			<value>1041</value>
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				<sshPrnamt>4966</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>2589</Sole>
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				<None>2377</None>
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		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
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				<sshPrnamt>11</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>23</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>23</None>
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		<infoTable>
			<nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>666807102</cusip>
			<value>705</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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				<None>89</None>
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		<infoTable>
			<nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
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			<cusip>666807102</cusip>
			<value>24</value>
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				<sshPrnamt>51</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>47</Sole>
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		<infoTable>
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			<titleOfClass>COM</titleOfClass>
			<cusip>666807102</cusip>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>800</None>
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		<infoTable>
			<nameOfIssuer>NOVARTIS AG</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>66987V109</cusip>
			<value>256</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3374</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>1481</Sole>
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				<None>1893</None>
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		<infoTable>
			<nameOfIssuer>NOVARTIS AG</nameOfIssuer>
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			<value>30</value>
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				<sshPrnamt>400</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<titleOfClass>COM</titleOfClass>
			<cusip>670346105</cusip>
			<value>214</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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		<infoTable>
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			<titleOfClass>COM</titleOfClass>
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			<shrsOrPrnAmt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>67071L106</cusip>
			<value>29</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2510</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
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				<None>2510</None>
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		<infoTable>
			<nameOfIssuer>NUVEEN FLOATING RATE INCOME</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>67072T108</cusip>
			<value>10</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1280</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>1280</None>
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		<infoTable>
			<nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM</nameOfIssuer>
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			<cusip>67074C103</cusip>
			<value>38</value>
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				<sshPrnamt>2434</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>2434</None>
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		<infoTable>
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			<cusip>67066G104</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>32874</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>1760</None>
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		</infoTable>
		<infoTable>
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				<sshPrnamt>2141</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>833</Sole>
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		</infoTable>
		<infoTable>
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				<sshPrnamt>1267</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>1267</Sole>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>1</value>
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				<sshPrnamt>10</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>10</None>
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		<infoTable>
			<nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>674599105</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>282</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>282</None>
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		<infoTable>
			<nameOfIssuer>OKTA INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>679295105</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>220</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
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				<Sole>0</Sole>
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				<None>220</None>
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		<infoTable>
			<nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>679580100</cusip>
			<value>104</value>
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				<sshPrnamt>418</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>418</None>
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		<infoTable>
			<nameOfIssuer>OLD NATL BANCORP IND</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>680033107</cusip>
			<value>50</value>
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				<sshPrnamt>3051</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3051</None>
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		<infoTable>
			<nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>681116109</cusip>
			<value>55</value>
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				<sshPrnamt>1075</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1075</None>
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		<infoTable>
			<nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>681919106</cusip>
			<value>9396</value>
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				<sshPrnamt>148931</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>148653</Sole>
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				<None>278</None>
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		<infoTable>
			<nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>681919106</cusip>
			<value>119</value>
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				<sshPrnamt>1883</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>1223</Sole>
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				<None>660</None>
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		<infoTable>
			<nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>681919106</cusip>
			<value>263</value>
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				<sshPrnamt>4166</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4166</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>682680103</cusip>
			<value>411</value>
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				<sshPrnamt>8025</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4025</Sole>
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				<None>4000</None>
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		<infoTable>
			<nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>682680103</cusip>
			<value>76</value>
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				<sshPrnamt>1475</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1475</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>OPORTUN FINL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>68376D104</cusip>
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				<sshPrnamt>20</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>20</None>
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		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>68389X105</cusip>
			<value>2387</value>
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				<sshPrnamt>39093</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>33476</Sole>
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				<None>5617</None>
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		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>68389X105</cusip>
			<value>529</value>
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				<sshPrnamt>8666</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>5945</Sole>
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				<None>2721</None>
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		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>68389X105</cusip>
			<value>65</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1056</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>936</Sole>
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		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>68389X105</cusip>
			<value>13</value>
			<shrsOrPrnAmt>
				<sshPrnamt>220</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>220</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>68622V106</cusip>
			<value>4</value>
			<shrsOrPrnAmt>
				<sshPrnamt>190</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>190</None>
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		<infoTable>
			<nameOfIssuer>ORION OFFICE REIT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>68629Y103</cusip>
			<value>0</value>
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				<sshPrnamt>4</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4</None>
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		<infoTable>
			<nameOfIssuer>ORIX CORP</nameOfIssuer>
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			<cusip>686330101</cusip>
			<value>3</value>
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				<sshPrnamt>45</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>0</Sole>
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				<None>45</None>
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		<infoTable>
			<nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>68902V107</cusip>
			<value>27</value>
			<shrsOrPrnAmt>
				<sshPrnamt>417</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>417</None>
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		<infoTable>
			<nameOfIssuer>OWENS CORNING NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>690742101</cusip>
			<value>0</value>
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				<sshPrnamt>5</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>5</None>
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		<infoTable>
			<nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>69608A108</cusip>
			<value>7</value>
			<shrsOrPrnAmt>
				<sshPrnamt>895</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>895</None>
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		<infoTable>
			<nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>701094104</cusip>
			<value>343</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1414</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1390</Sole>
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				<None>24</None>
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		<infoTable>
			<nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>701094104</cusip>
			<value>298</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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				<None>1228</None>
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		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>704326107</cusip>
			<value>1119</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9968</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9921</Sole>
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				<None>47</None>
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		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>704326107</cusip>
			<value>7</value>
			<shrsOrPrnAmt>
				<sshPrnamt>65</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>65</None>
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		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>704326107</cusip>
			<value>2</value>
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				<sshPrnamt>16</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
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				<None>16</None>
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		<infoTable>
			<nameOfIssuer>PAYCOM SOFTWARE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>70432V102</cusip>
			<value>43</value>
			<shrsOrPrnAmt>
				<sshPrnamt>130</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>130</None>
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		<infoTable>
			<nameOfIssuer>PAYLOCITY HLDG CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>70438V106</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>34</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>34</None>
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		<infoTable>
			<nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>70450Y103</cusip>
			<value>4742</value>
			<shrsOrPrnAmt>
				<sshPrnamt>55099</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>52502</Sole>
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				<None>2597</None>
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		<infoTable>
			<nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>70450Y103</cusip>
			<value>1149</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13343</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>4237</Sole>
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		<infoTable>
			<nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>70450Y103</cusip>
			<value>272</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3162</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3162</Sole>
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		<infoTable>
			<nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>70450Y103</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>89</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>89</Sole>
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		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>713448108</cusip>
			<value>13320</value>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>77212</Sole>
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		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>713448108</cusip>
			<value>1167</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7151</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>5171</Sole>
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				<None>1980</None>
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		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>713448108</cusip>
			<value>265</value>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>1599</Sole>
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			<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
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			<titleOfClass>COM</titleOfClass>
			<cusip>747525103</cusip>
			<value>99</value>
			<shrsOrPrnAmt>
				<sshPrnamt>874</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>815</Sole>
				<Shared>0</Shared>
				<None>59</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUALYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>74758T303</cusip>
			<value>25</value>
			<shrsOrPrnAmt>
				<sshPrnamt>180</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>180</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>74762E102</cusip>
			<value>34</value>
			<shrsOrPrnAmt>
				<sshPrnamt>270</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>270</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>754730109</cusip>
			<value>44</value>
			<shrsOrPrnAmt>
				<sshPrnamt>442</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>442</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>75513E101</cusip>
			<value>1451</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17725</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>15543</Sole>
				<Shared>0</Shared>
				<None>2182</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>75513E101</cusip>
			<value>215</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2630</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>1136</Sole>
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				<None>1494</None>
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		<infoTable>
			<nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>75513E101</cusip>
			<value>137</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1674</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1614</Sole>
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				<None>60</None>
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		<infoTable>
			<nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>756109104</cusip>
			<value>3</value>
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				<sshPrnamt>45</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>45</None>
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		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>7591EP100</cusip>
			<value>2367</value>
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				<sshPrnamt>117961</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>117900</Sole>
				<Shared>0</Shared>
				<None>61</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>7591EP100</cusip>
			<value>80</value>
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				<sshPrnamt>4000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4000</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>7591EP100</cusip>
			<value>480</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23906</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>23906</None>
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		<infoTable>
			<nameOfIssuer>RELX PLC</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>759530108</cusip>
			<value>0</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>15</None>
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		<infoTable>
			<nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>760759100</cusip>
			<value>410</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3013</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>300</Sole>
				<Shared>0</Shared>
				<None>2713</None>
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		<infoTable>
			<nameOfIssuer>RESMED INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>761152107</cusip>
			<value>98</value>
			<shrsOrPrnAmt>
				<sshPrnamt>450</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>450</None>
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		<infoTable>
			<nameOfIssuer>ROBERT HALF INTL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>770323103</cusip>
			<value>3620</value>
			<shrsOrPrnAmt>
				<sshPrnamt>47321</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>47321</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>ROBERT HALF INTL</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>770323103</cusip>
			<value>70</value>
			<shrsOrPrnAmt>
				<sshPrnamt>920</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>920</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>773903109</cusip>
			<value>22</value>
			<shrsOrPrnAmt>
				<sshPrnamt>100</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>100</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>776696106</cusip>
			<value>209</value>
			<shrsOrPrnAmt>
				<sshPrnamt>580</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>565</Sole>
				<Shared>0</Shared>
				<None>15</None>
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		<infoTable>
			<nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>776696106</cusip>
			<value>247</value>
			<shrsOrPrnAmt>
				<sshPrnamt>687</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>687</None>
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		<infoTable>
			<nameOfIssuer>ROYAL BK CDA</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>780087102</cusip>
			<value>1553</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17243</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>16693</Sole>
				<Shared>0</Shared>
				<None>550</None>
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		<infoTable>
			<nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>V7780T103</cusip>
			<value>38</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1000</None>
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		<infoTable>
			<nameOfIssuer>RYMAN HOSPITALITY PPTYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>78377T107</cusip>
			<value>49</value>
			<shrsOrPrnAmt>
				<sshPrnamt>662</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>662</None>
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		<infoTable>
			<nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>78409V104</cusip>
			<value>7972</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26107</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>25830</Sole>
				<Shared>48</Shared>
				<None>229</None>
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		<infoTable>
			<nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>78409V104</cusip>
			<value>298</value>
			<shrsOrPrnAmt>
				<sshPrnamt>976</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>476</Sole>
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				<None>500</None>
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		<infoTable>
			<nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>78409V104</cusip>
			<value>4308</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14108</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>14108</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SAFEHOLD INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>78645L100</cusip>
			<value>1</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>50</None>
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		<infoTable>
			<nameOfIssuer>SALESFORCE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>79466L302</cusip>
			<value>5071</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35254</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>31239</Sole>
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				<None>4015</None>
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		<infoTable>
			<nameOfIssuer>SALESFORCE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>79466L302</cusip>
			<value>10674</value>
			<shrsOrPrnAmt>
				<sshPrnamt>74202</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>741</Sole>
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				<None>73461</None>
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		<infoTable>
			<nameOfIssuer>SALESFORCE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>79466L302</cusip>
			<value>186</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1292</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>1292</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SANOFI</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>80105N105</cusip>
			<value>210</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5527</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>5244</Sole>
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				<None>283</None>
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		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COM STK</titleOfClass>
			<cusip>806857108</cusip>
			<value>516</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14371</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>13606</Sole>
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				<None>765</None>
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		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
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			<cusip>806857108</cusip>
			<value>788</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21952</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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				<Shared>0</Shared>
				<None>21952</None>
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		<infoTable>
			<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
			<titleOfClass>COM STK</titleOfClass>
			<cusip>806857108</cusip>
			<value>17</value>
			<shrsOrPrnAmt>
				<sshPrnamt>467</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>425</Sole>
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				<None>42</None>
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		<infoTable>
			<nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>808513105</cusip>
			<value>528</value>
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				<sshPrnamt>7341</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>191</Sole>
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				<None>7150</None>
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		<infoTable>
			<nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>808513105</cusip>
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				<sshPrnamt>76800</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<None>76800</None>
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		<infoTable>
			<nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>808513105</cusip>
			<value>129</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1795</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1795</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US LCAP GR ETF</titleOfClass>
			<cusip>808524300</cusip>
			<value>294</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5274</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5274</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>1000 INDEX ETF</titleOfClass>
			<cusip>808524722</cusip>
			<value>104</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>EMRG MKTEQ ETF</titleOfClass>
			<cusip>808524706</cusip>
			<value>226</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10107</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>10107</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>INTL EQTY ETF</titleOfClass>
			<cusip>808524805</cusip>
			<value>459</value>
			<shrsOrPrnAmt>
				<sshPrnamt>16304</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>16304</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US BRD MKT ETF</titleOfClass>
			<cusip>808524102</cusip>
			<value>183</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4350</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4350</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US LRG CAP ETF</titleOfClass>
			<cusip>808524201</cusip>
			<value>85</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2000</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2000</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US MID-CAP ETF</titleOfClass>
			<cusip>808524508</cusip>
			<value>271</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4481</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4481</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US SML CAP ETF</titleOfClass>
			<cusip>808524607</cusip>
			<value>187</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4960</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4960</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SEI INVTS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>784117103</cusip>
			<value>1835</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37419</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>37102</Sole>
				<Shared>317</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI MATERIALS</titleOfClass>
			<cusip>81369Y100</cusip>
			<value>283</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4168</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4168</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI HEALTHCARE</titleOfClass>
			<cusip>81369Y209</cusip>
			<value>914</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7547</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>7402</Sole>
				<Shared>0</Shared>
				<None>145</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI HEALTHCARE</titleOfClass>
			<cusip>81369Y209</cusip>
			<value>174</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1439</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1439</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI CONS DISCR</titleOfClass>
			<cusip>81369Y407</cusip>
			<value>492</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3457</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3457</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI CONS DISCR</titleOfClass>
			<cusip>81369Y407</cusip>
			<value>23</value>
			<shrsOrPrnAmt>
				<sshPrnamt>158</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>158</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>ENERGY</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>2127</value>
			<shrsOrPrnAmt>
				<sshPrnamt>29533</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>27733</Sole>
				<Shared>0</Shared>
				<None>1800</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>ENERGY</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>241</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3340</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3340</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>ENERGY</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>68</value>
			<shrsOrPrnAmt>
				<sshPrnamt>940</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>940</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>FINANCIAL</titleOfClass>
			<cusip>81369Y605</cusip>
			<value>800</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26344</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>25524</Sole>
				<Shared>0</Shared>
				<None>820</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>FINANCIAL</titleOfClass>
			<cusip>81369Y605</cusip>
			<value>105</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3473</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3473</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-INDS</titleOfClass>
			<cusip>81369Y704</cusip>
			<value>241</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2915</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2809</Sole>
				<Shared>0</Shared>
				<None>106</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-INDS</titleOfClass>
			<cusip>81369Y704</cusip>
			<value>9</value>
			<shrsOrPrnAmt>
				<sshPrnamt>113</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>113</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-INDS</titleOfClass>
			<cusip>81369Y704</cusip>
			<value>43</value>
			<shrsOrPrnAmt>
				<sshPrnamt>514</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>514</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>TECHNOLOGY</titleOfClass>
			<cusip>81369Y803</cusip>
			<value>2341</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19710</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>19483</Sole>
				<Shared>0</Shared>
				<None>227</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>TECHNOLOGY</titleOfClass>
			<cusip>81369Y803</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>234</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>234</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>TECHNOLOGY</titleOfClass>
			<cusip>81369Y803</cusip>
			<value>195</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1639</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1639</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>COMMUNICATIONS</titleOfClass>
			<cusip>81369Y852</cusip>
			<value>258</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5387</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5387</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>RL EST SEL SEC</titleOfClass>
			<cusip>81369Y860</cusip>
			<value>205</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5683</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5683</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-UTILS</titleOfClass>
			<cusip>81369Y886</cusip>
			<value>1280</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19534</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>19284</Sole>
				<Shared>0</Shared>
				<None>250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>81762P102</cusip>
			<value>4861</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12873</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>11740</Sole>
				<Shared>0</Shared>
				<None>1133</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>81762P102</cusip>
			<value>9918</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26265</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>393</Sole>
				<Shared>0</Shared>
				<None>25872</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>81762P102</cusip>
			<value>170</value>
			<shrsOrPrnAmt>
				<sshPrnamt>449</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>449</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SHELL PLC</nameOfIssuer>
			<titleOfClass>SPON ADS</titleOfClass>
			<cusip>780259305</cusip>
			<value>417</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8378</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8315</Sole>
				<Shared>0</Shared>
				<None>63</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>824348106</cusip>
			<value>788</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3849</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3691</Sole>
				<Shared>0</Shared>
				<None>158</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>824348106</cusip>
			<value>6</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>27</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>824348106</cusip>
			<value>679</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3318</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3318</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SHOCKWAVE MED INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>82489T104</cusip>
			<value>93</value>
			<shrsOrPrnAmt>
				<sshPrnamt>333</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>333</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SHOCKWAVE MED INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>82489T104</cusip>
			<value>117</value>
			<shrsOrPrnAmt>
				<sshPrnamt>420</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>420</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SHOPIFY INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>82509L107</cusip>
			<value>28</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1050</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1050</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SL GREEN RLTY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>78440X887</cusip>
			<value>1</value>
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				<sshPrnamt>13</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>13</None>
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		<infoTable>
			<nameOfIssuer>SNAP ON INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>833034101</cusip>
			<value>7260</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36057</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>35919</Sole>
				<Shared>0</Shared>
				<None>138</None>
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		<infoTable>
			<nameOfIssuer>SNAP ON INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>833034101</cusip>
			<value>57</value>
			<shrsOrPrnAmt>
				<sshPrnamt>281</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>281</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>SNAP ON INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>833034101</cusip>
			<value>188</value>
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				<sshPrnamt>934</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>934</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>835495102</cusip>
			<value>760</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13389</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>11923</Sole>
				<Shared>0</Shared>
				<None>1466</None>
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		<infoTable>
			<nameOfIssuer>SONY GROUP CORPORATION</nameOfIssuer>
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			<value>1</value>
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				<sshPrnamt>15</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>15</None>
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		<infoTable>
			<nameOfIssuer>SOUTH JERSEY INDS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>838518108</cusip>
			<value>63</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1892</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1892</None>
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		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>842587107</cusip>
			<value>7211</value>
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				<sshPrnamt>106044</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>102187</Sole>
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				<None>3857</None>
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		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>842587107</cusip>
			<value>314</value>
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				<sshPrnamt>4606</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>951</Sole>
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				<None>3655</None>
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		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>842587107</cusip>
			<value>414</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6084</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5982</Sole>
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				<None>102</None>
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		<infoTable>
			<nameOfIssuer>SOUTHERN COPPER CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>84265V105</cusip>
			<value>93</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2072</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2072</None>
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		<infoTable>
			<nameOfIssuer>SOUTHSTATE CORPORATION</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>840441109</cusip>
			<value>14</value>
			<shrsOrPrnAmt>
				<sshPrnamt>176</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>176</None>
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		<infoTable>
			<nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>844741108</cusip>
			<value>134</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4345</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4345</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
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			<cusip>78462F103</cusip>
			<value>59524</value>
			<shrsOrPrnAmt>
				<sshPrnamt>166650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>161251</Sole>
				<Shared>0</Shared>
				<None>5399</None>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
			<titleOfClass>TR UNIT</titleOfClass>
			<cusip>78462F103</cusip>
			<value>1819</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5093</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5022</Sole>
				<Shared>0</Shared>
				<None>71</None>
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		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
			<titleOfClass>TR UNIT</titleOfClass>
			<cusip>78462F103</cusip>
			<value>16489</value>
			<shrsOrPrnAmt>
				<sshPrnamt>46165</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>46165</None>
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		<infoTable>
			<nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
			<titleOfClass>GOLD SHS</titleOfClass>
			<cusip>78463V107</cusip>
			<value>356</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2300</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2300</None>
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		<infoTable>
			<nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
			<titleOfClass>GOLD SHS</titleOfClass>
			<cusip>78463V107</cusip>
			<value>2261</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14619</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>13792</Sole>
				<Shared>0</Shared>
				<None>827</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
			<titleOfClass>DJ GLB RL ES ETF</titleOfClass>
			<cusip>78463X749</cusip>
			<value>36</value>
			<shrsOrPrnAmt>
				<sshPrnamt>927</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>927</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
			<titleOfClass>DJ GLB RL ES ETF</titleOfClass>
			<cusip>78463X749</cusip>
			<value>173</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4477</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4477</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
			<cusip>78464A201</cusip>
			<value>212</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3109</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3109</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
			<cusip>78464A201</cusip>
			<value>2066</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30325</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>6342</Sole>
				<Shared>0</Shared>
				<None>23983</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
			<cusip>78464A300</cusip>
			<value>285</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4248</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4248</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
			<cusip>78464A300</cusip>
			<value>2097</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31224</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>6073</Sole>
				<Shared>0</Shared>
				<None>25151</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>PORTFOLIO SHORT</titleOfClass>
			<cusip>78464A474</cusip>
			<value>12474</value>
			<shrsOrPrnAmt>
				<sshPrnamt>426904</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>415504</Sole>
				<Shared>0</Shared>
				<None>11400</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>PORTFOLIO SHORT</titleOfClass>
			<cusip>78464A474</cusip>
			<value>1731</value>
			<shrsOrPrnAmt>
				<sshPrnamt>59250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>59250</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>PORTFOLIO SHORT</titleOfClass>
			<cusip>78464A474</cusip>
			<value>724</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24772</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>24772</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>S&amp;P DIVID ETF</titleOfClass>
			<cusip>78464A763</cusip>
			<value>1039</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9315</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9185</Sole>
				<Shared>0</Shared>
				<None>130</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>S&amp;P DIVID ETF</titleOfClass>
			<cusip>78464A763</cusip>
			<value>226</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2023</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2023</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
			<titleOfClass>UT SER 1</titleOfClass>
			<cusip>78467X109</cusip>
			<value>5981</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20819</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>20741</Sole>
				<Shared>0</Shared>
				<None>78</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
			<titleOfClass>UT SER 1</titleOfClass>
			<cusip>78467X109</cusip>
			<value>5488</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19102</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>19102</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
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			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
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			<nameOfIssuer>SPIRIT RLTY CAP INC NEW</nameOfIssuer>
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			<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
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			<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
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			<nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
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			<value>24</value>
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			<nameOfIssuer>STARWOOD PPTY TR INC</nameOfIssuer>
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			<nameOfIssuer>STORE CAP CORP</nameOfIssuer>
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			<nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
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			<nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
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			<nameOfIssuer>SUMMIT FINL GROUP INC</nameOfIssuer>
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			<cusip>86606G101</cusip>
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			<cusip>874054109</cusip>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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		<infoTable>
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				<Shared>0</Shared>
				<None>272</None>
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		<infoTable>
			<nameOfIssuer>UNION PAC CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>907818108</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>80847</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>70878</Sole>
				<Shared>0</Shared>
				<None>9969</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>UNION PAC CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>907818108</cusip>
			<value>8670</value>
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				<sshPrnamt>44499</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>5060</Sole>
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				<None>39439</None>
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		<infoTable>
			<nameOfIssuer>UNION PAC CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>907818108</cusip>
			<value>7548</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38746</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1696</Sole>
				<Shared>0</Shared>
				<None>37050</None>
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		<infoTable>
			<nameOfIssuer>UNITED CMNTY BKS BLAIRSVLE G</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>90984P303</cusip>
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				<sshPrnamt>94</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>94</None>
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		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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			<cusip>911312106</cusip>
			<value>20610</value>
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				<sshPrnamt>127583</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>124092</Sole>
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				<None>3491</None>
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		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
			<titleOfClass>CL B</titleOfClass>
			<cusip>911312106</cusip>
			<value>538</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3335</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>3128</Sole>
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				<None>207</None>
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		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
			<titleOfClass>CL B</titleOfClass>
			<cusip>911312106</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>4375</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4315</Sole>
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				<None>60</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91324P102</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>72273</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>67180</Sole>
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				<None>5093</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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				<sshPrnamt>50156</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>5384</Sole>
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				<None>44772</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91324P102</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>15396</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1870</Sole>
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				<None>13526</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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			<cusip>91324P102</cusip>
			<value>29</value>
			<shrsOrPrnAmt>
				<sshPrnamt>58</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>58</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>902973304</cusip>
			<value>14952</value>
			<shrsOrPrnAmt>
				<sshPrnamt>370835</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>369340</Sole>
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				<None>1495</None>
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		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>902973304</cusip>
			<value>2392</value>
			<shrsOrPrnAmt>
				<sshPrnamt>59315</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>10093</Sole>
				<Shared>0</Shared>
				<None>49222</None>
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		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>902973304</cusip>
			<value>575</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14246</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>13997</Sole>
				<Shared>0</Shared>
				<None>249</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>902973304</cusip>
			<value>2</value>
			<shrsOrPrnAmt>
				<sshPrnamt>54</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>54</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VAIL RESORTS INC</nameOfIssuer>
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			<cusip>91879Q109</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>127</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>127</None>
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		<infoTable>
			<nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91913Y100</cusip>
			<value>20860</value>
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				<sshPrnamt>195229</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>193937</Sole>
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				<None>1292</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91913Y100</cusip>
			<value>779</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7284</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>4423</Sole>
				<Shared>0</Shared>
				<None>2861</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91913Y100</cusip>
			<value>501</value>
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				<sshPrnamt>4689</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4689</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91913Y100</cusip>
			<value>14</value>
			<shrsOrPrnAmt>
				<sshPrnamt>135</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>135</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
			<titleOfClass>HIGH YLD MUNIETF</titleOfClass>
			<cusip>92189H409</cusip>
			<value>615</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12310</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>12310</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
			<titleOfClass>HIGH YLD MUNIETF</titleOfClass>
			<cusip>92189H409</cusip>
			<value>1251</value>
			<shrsOrPrnAmt>
				<sshPrnamt>25054</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>25054</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
			<titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
			<cusip>92189F643</cusip>
			<value>12</value>
			<shrsOrPrnAmt>
				<sshPrnamt>206</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>206</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
			<titleOfClass>DIV APP ETF</titleOfClass>
			<cusip>921908844</cusip>
			<value>493</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3650</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3650</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
			<titleOfClass>DIV APP ETF</titleOfClass>
			<cusip>921908844</cusip>
			<value>23</value>
			<shrsOrPrnAmt>
				<sshPrnamt>169</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>169</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
			<titleOfClass>DIV APP ETF</titleOfClass>
			<cusip>921908844</cusip>
			<value>1007</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7448</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>7448</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
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			<cusip>921909768</cusip>
			<value>214</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4683</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4683</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
			<titleOfClass>VG TL INTL STK F</titleOfClass>
			<cusip>921909768</cusip>
			<value>248</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5410</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5410</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
			<titleOfClass>VG TL INTL STK F</titleOfClass>
			<cusip>921909768</cusip>
			<value>585</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12788</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>12788</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
			<titleOfClass>MEGA CAP INDEX</titleOfClass>
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			<value>599</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4800</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4800</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD ADMIRAL FDS</nameOfIssuer>
			<titleOfClass>SMLLCP 600 IDX</titleOfClass>
			<cusip>921932828</cusip>
			<value>5653</value>
			<shrsOrPrnAmt>
				<sshPrnamt>35011</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>34698</Sole>
				<Shared>113</Shared>
				<None>200</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD ADMIRAL FDS</nameOfIssuer>
			<titleOfClass>SMLLCP 600 IDX</titleOfClass>
			<cusip>921932828</cusip>
			<value>985</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6101</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>6101</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
			<titleOfClass>INTERMED TERM</titleOfClass>
			<cusip>921937819</cusip>
			<value>5834</value>
			<shrsOrPrnAmt>
				<sshPrnamt>79405</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>79405</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
			<titleOfClass>INTERMED TERM</titleOfClass>
			<cusip>921937819</cusip>
			<value>1616</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21983</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>19443</Sole>
				<Shared>0</Shared>
				<None>2540</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
			<titleOfClass>INTERMED TERM</titleOfClass>
			<cusip>921937819</cusip>
			<value>214</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2908</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2908</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
			<titleOfClass>SHORT TRM BOND</titleOfClass>
			<cusip>921937827</cusip>
			<value>2962</value>
			<shrsOrPrnAmt>
				<sshPrnamt>39597</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>39597</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
			<titleOfClass>SHORT TRM BOND</titleOfClass>
			<cusip>921937827</cusip>
			<value>1098</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14665</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>12050</Sole>
				<Shared>0</Shared>
				<None>2615</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
			<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
			<cusip>921937835</cusip>
			<value>256</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3594</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3594</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
			<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
			<cusip>921943858</cusip>
			<value>19755</value>
			<shrsOrPrnAmt>
				<sshPrnamt>543324</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>503271</Sole>
				<Shared>0</Shared>
				<None>40053</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
			<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
			<cusip>921943858</cusip>
			<value>12299</value>
			<shrsOrPrnAmt>
				<sshPrnamt>338242</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>37201</Sole>
				<Shared>0</Shared>
				<None>301041</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
			<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
			<cusip>921943858</cusip>
			<value>719</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19761</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>19761</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
			<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
			<cusip>921946406</cusip>
			<value>14530</value>
			<shrsOrPrnAmt>
				<sshPrnamt>153138</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>153028</Sole>
				<Shared>0</Shared>
				<None>110</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
			<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
			<cusip>921946406</cusip>
			<value>20</value>
			<shrsOrPrnAmt>
				<sshPrnamt>215</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>215</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
			<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
			<cusip>921946406</cusip>
			<value>158</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1660</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1660</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
			<titleOfClass>INTL DVD ETF</titleOfClass>
			<cusip>921946810</cusip>
			<value>24</value>
			<shrsOrPrnAmt>
				<sshPrnamt>384</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>384</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
			<titleOfClass>INTL DVD ETF</titleOfClass>
			<cusip>921946810</cusip>
			<value>967</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15599</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>15599</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
			<titleOfClass>STRM INFPROIDX</titleOfClass>
			<cusip>922020805</cusip>
			<value>212</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4398</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4398</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>ALLWRLD EX US</titleOfClass>
			<cusip>922042775</cusip>
			<value>2542</value>
			<shrsOrPrnAmt>
				<sshPrnamt>57301</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>57301</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
			<cusip>922042858</cusip>
			<value>10708</value>
			<shrsOrPrnAmt>
				<sshPrnamt>293461</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>283195</Sole>
				<Shared>0</Shared>
				<None>10266</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
			<cusip>922042858</cusip>
			<value>5650</value>
			<shrsOrPrnAmt>
				<sshPrnamt>154825</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>14223</Sole>
				<Shared>0</Shared>
				<None>140602</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
			<cusip>922042858</cusip>
			<value>424</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11616</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>11616</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
			<titleOfClass>TAX EXEMPT BD</titleOfClass>
			<cusip>922907746</cusip>
			<value>5705</value>
			<shrsOrPrnAmt>
				<sshPrnamt>118509</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>118509</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
			<titleOfClass>TAX EXEMPT BD</titleOfClass>
			<cusip>922907746</cusip>
			<value>34</value>
			<shrsOrPrnAmt>
				<sshPrnamt>705</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>705</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
			<titleOfClass>TAX EXEMPT BD</titleOfClass>
			<cusip>922907746</cusip>
			<value>26879</value>
			<shrsOrPrnAmt>
				<sshPrnamt>558349</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>558349</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
			<cusip>922908363</cusip>
			<value>69984</value>
			<shrsOrPrnAmt>
				<sshPrnamt>213171</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>210849</Sole>
				<Shared>0</Shared>
				<None>2322</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
			<cusip>922908363</cusip>
			<value>736</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2242</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2242</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
			<cusip>922908363</cusip>
			<value>49973</value>
			<shrsOrPrnAmt>
				<sshPrnamt>152216</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>152216</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>MCAP VL IDXVIP</titleOfClass>
			<cusip>922908512</cusip>
			<value>230</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1892</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1892</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>MCAP GR IDXVIP</titleOfClass>
			<cusip>922908538</cusip>
			<value>778</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4564</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4564</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>REAL ESTATE ETF</titleOfClass>
			<cusip>922908553</cusip>
			<value>6824</value>
			<shrsOrPrnAmt>
				<sshPrnamt>85120</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>83105</Sole>
				<Shared>0</Shared>
				<None>2015</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>REAL ESTATE ETF</titleOfClass>
			<cusip>922908553</cusip>
			<value>559</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6977</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>1885</Sole>
				<Shared>0</Shared>
				<None>5092</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>REAL ESTATE ETF</titleOfClass>
			<cusip>922908553</cusip>
			<value>106</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1321</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1321</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>SML CP GRW ETF</titleOfClass>
			<cusip>922908595</cusip>
			<value>6169</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31615</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>31615</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>SML CP GRW ETF</titleOfClass>
			<cusip>922908595</cusip>
			<value>192</value>
			<shrsOrPrnAmt>
				<sshPrnamt>982</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>982</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>SML CP GRW ETF</titleOfClass>
			<cusip>922908595</cusip>
			<value>135</value>
			<shrsOrPrnAmt>
				<sshPrnamt>692</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>692</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>SM CP VAL ETF</titleOfClass>
			<cusip>922908611</cusip>
			<value>2687</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18735</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>18682</Sole>
				<Shared>0</Shared>
				<None>53</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>SM CP VAL ETF</titleOfClass>
			<cusip>922908611</cusip>
			<value>273</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1907</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1907</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>MID CAP ETF</titleOfClass>
			<cusip>922908629</cusip>
			<value>11510</value>
			<shrsOrPrnAmt>
				<sshPrnamt>61229</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>58903</Sole>
				<Shared>0</Shared>
				<None>2326</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>MID CAP ETF</titleOfClass>
			<cusip>922908629</cusip>
			<value>567</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3018</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3018</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>MID CAP ETF</titleOfClass>
			<cusip>922908629</cusip>
			<value>158</value>
			<shrsOrPrnAmt>
				<sshPrnamt>843</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>843</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>GROWTH ETF</titleOfClass>
			<cusip>922908736</cusip>
			<value>20584</value>
			<shrsOrPrnAmt>
				<sshPrnamt>96208</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>95629</Sole>
				<Shared>0</Shared>
				<None>579</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>GROWTH ETF</titleOfClass>
			<cusip>922908736</cusip>
			<value>30</value>
			<shrsOrPrnAmt>
				<sshPrnamt>142</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>142</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>GROWTH ETF</titleOfClass>
			<cusip>922908736</cusip>
			<value>1880</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8786</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8786</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>VALUE ETF</titleOfClass>
			<cusip>922908744</cusip>
			<value>460</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3728</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3619</Sole>
				<Shared>0</Shared>
				<None>109</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>VALUE ETF</titleOfClass>
			<cusip>922908744</cusip>
			<value>957</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7754</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>7754</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>TOTAL STK MKT</titleOfClass>
			<cusip>922908769</cusip>
			<value>20207</value>
			<shrsOrPrnAmt>
				<sshPrnamt>112593</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>112465</Sole>
				<Shared>0</Shared>
				<None>128</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>TOTAL STK MKT</titleOfClass>
			<cusip>922908769</cusip>
			<value>477</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2659</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2659</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>SHRT TRM CORP BD</titleOfClass>
			<cusip>92206C409</cusip>
			<value>12063</value>
			<shrsOrPrnAmt>
				<sshPrnamt>162387</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>159137</Sole>
				<Shared>0</Shared>
				<None>3250</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>SHRT TRM CORP BD</titleOfClass>
			<cusip>92206C409</cusip>
			<value>15676</value>
			<shrsOrPrnAmt>
				<sshPrnamt>211050</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>6280</Sole>
				<Shared>0</Shared>
				<None>204770</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>SHRT TRM CORP BD</titleOfClass>
			<cusip>92206C409</cusip>
			<value>1007</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13557</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>13557</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>VNG RUS1000GRW</titleOfClass>
			<cusip>92206C680</cusip>
			<value>2447</value>
			<shrsOrPrnAmt>
				<sshPrnamt>45148</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>45148</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>VNG RUS1000GRW</titleOfClass>
			<cusip>92206C680</cusip>
			<value>492</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9068</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9068</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>VNG RUS1000VAL</titleOfClass>
			<cusip>92206C714</cusip>
			<value>200</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3347</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3347</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>VNG RUS1000VAL</titleOfClass>
			<cusip>92206C714</cusip>
			<value>649</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10868</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>10868</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>VNG RUS1000IDX</titleOfClass>
			<cusip>92206C730</cusip>
			<value>245</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1500</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>INT-TERM CORP</titleOfClass>
			<cusip>92206C870</cusip>
			<value>3205</value>
			<shrsOrPrnAmt>
				<sshPrnamt>42349</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>40849</Sole>
				<Shared>0</Shared>
				<None>1500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>INT-TERM CORP</titleOfClass>
			<cusip>92206C870</cusip>
			<value>325</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4295</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>4295</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>INT-TERM CORP</titleOfClass>
			<cusip>92206C870</cusip>
			<value>345</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4553</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4553</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
			<titleOfClass>CL A COM</titleOfClass>
			<cusip>922475108</cusip>
			<value>1</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>5</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>92343V104</cusip>
			<value>4416</value>
			<shrsOrPrnAmt>
				<sshPrnamt>116290</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>103856</Sole>
				<Shared>0</Shared>
				<None>12434</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>92343V104</cusip>
			<value>460</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12121</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>2133</Sole>
				<Shared>0</Shared>
				<None>9988</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>92343V104</cusip>
			<value>340</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8954</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8562</Sole>
				<Shared>0</Shared>
				<None>392</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VIATRIS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>92556V106</cusip>
			<value>6</value>
			<shrsOrPrnAmt>
				<sshPrnamt>683</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>683</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
			<titleOfClass>VICSHS DV AC ETF</titleOfClass>
			<cusip>92647N667</cusip>
			<value>9740</value>
			<shrsOrPrnAmt>
				<sshPrnamt>246546</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>246168</Sole>
				<Shared>0</Shared>
				<None>378</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
			<titleOfClass>VICSHS DV AC ETF</titleOfClass>
			<cusip>92647N667</cusip>
			<value>685</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17334</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>17334</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VISA INC</nameOfIssuer>
			<titleOfClass>COM CL A</titleOfClass>
			<cusip>92826C839</cusip>
			<value>20409</value>
			<shrsOrPrnAmt>
				<sshPrnamt>114886</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>97815</Sole>
				<Shared>0</Shared>
				<None>17071</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VISA INC</nameOfIssuer>
			<titleOfClass>COM CL A</titleOfClass>
			<cusip>92826C839</cusip>
			<value>13099</value>
			<shrsOrPrnAmt>
				<sshPrnamt>73733</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>7367</Sole>
				<Shared>0</Shared>
				<None>66366</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VISA INC</nameOfIssuer>
			<titleOfClass>COM CL A</titleOfClass>
			<cusip>92826C839</cusip>
			<value>14197</value>
			<shrsOrPrnAmt>
				<sshPrnamt>79918</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4143</Sole>
				<Shared>0</Shared>
				<None>75775</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VISA INC</nameOfIssuer>
			<titleOfClass>COM CL A</titleOfClass>
			<cusip>92826C839</cusip>
			<value>16</value>
			<shrsOrPrnAmt>
				<sshPrnamt>90</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>90</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VMWARE INC</nameOfIssuer>
			<titleOfClass>CL A COM</titleOfClass>
			<cusip>928563402</cusip>
			<value>93</value>
			<shrsOrPrnAmt>
				<sshPrnamt>871</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>871</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>92857W308</cusip>
			<value>1</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>50</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VONTIER CORPORATION</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>928881101</cusip>
			<value>8</value>
			<shrsOrPrnAmt>
				<sshPrnamt>479</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>479</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>929160109</cusip>
			<value>2370</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15030</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>14918</Sole>
				<Shared>0</Shared>
				<None>112</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
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		<infoTable>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
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		<infoTable>
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		<infoTable>
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			<nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
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			<nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
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			<nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
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			<nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>WESTERN DIGITAL CORP.</nameOfIssuer>
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		<infoTable>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>WHEATON PRECIOUS METALS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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		<infoTable>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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		<infoTable>
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</SEC-DOCUMENT>
