<SEC-DOCUMENT>0001567619-23-001768.txt : 20230203
<SEC-HEADER>0001567619-23-001768.hdr.sgml : 20230203
<ACCEPTANCE-DATETIME>20230203103755
ACCESSION NUMBER:		0001567619-23-001768
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20221231
FILED AS OF DATE:		20230203
DATE AS OF CHANGE:		20230203
EFFECTIVENESS DATE:		20230203

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:		23584212

	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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  <schemaVersion>X0202</schemaVersion>
  <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>12-31-2022</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>12-31-2022</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>02-03-2023</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>2</otherIncludedManagersCount>
      <tableEntryTotal>1049</tableEntryTotal>
      <tableValueTotal>3466202965</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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<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>56490</value>
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			<nameOfIssuer>ABBOTT LABS</nameOfIssuer>
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			<nameOfIssuer>ABBOTT LABS</nameOfIssuer>
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			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
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			<nameOfIssuer>ABBVIE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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		<infoTable>
			<nameOfIssuer>ABRDN SILVER ETF TRUST</nameOfIssuer>
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			<value>55612</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Shared>0</Shared>
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		<infoTable>
			<nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
			<titleOfClass>SHS CLASS A</titleOfClass>
			<cusip>G1151C101</cusip>
			<value>901654</value>
			<shrsOrPrnAmt>
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			<nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>00507V109</cusip>
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			<nameOfIssuer>AEROJET ROCKETDYNE HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<nameOfIssuer>AGILENT TECHNOLOGIES INC</nameOfIssuer>
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			<nameOfIssuer>AGILENT TECHNOLOGIES INC</nameOfIssuer>
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			<nameOfIssuer>AIR PRODS &amp; CHEMS INC</nameOfIssuer>
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				<Shared>0</Shared>
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			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALCOA CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>013872106</cusip>
			<value>3270355</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<Shared>0</Shared>
				<None>484</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALCOA CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>146869</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>3230</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ALCOA CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>138048</value>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>AMGEN INC</nameOfIssuer>
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			<nameOfIssuer>AMPHASTAR PHARMACEUTICALS IN</nameOfIssuer>
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			<nameOfIssuer>AMPHENOL CORP NEW</nameOfIssuer>
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			<nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
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			<nameOfIssuer>APOLLO GLOBAL MGMT INC</nameOfIssuer>
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			<nameOfIssuer>APPLE INC</nameOfIssuer>
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			<nameOfIssuer>APPLE INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>APPLE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
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			<cusip>038222105</cusip>
			<value>2142</value>
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				<sshPrnamt>22</sshPrnamt>
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		<infoTable>
			<nameOfIssuer>APTARGROUP INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<nameOfIssuer>ARES CAPITAL CORP</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>
			<nameOfIssuer>ATMOS ENERGY CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
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				<sshPrnamt>2067</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
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				<sshPrnamt>4149</sshPrnamt>
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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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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
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				<sshPrnamt>204</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<nameOfIssuer>AVISTA CORP</nameOfIssuer>
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				<sshPrnamt>74</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>
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				<None>782</None>
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		<infoTable>
			<nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>
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			<nameOfIssuer>BANK MONTREAL QUE</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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			<nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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			<nameOfIssuer>BLACK HILLS CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>BLACKROCK MUNIHOLDINGS FD IN</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
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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>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>OTR</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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				<sshPrnamt>55</sshPrnamt>
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			<investmentDiscretion>DFND</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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		<infoTable>
			<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
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			<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
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			<cusip>110122108</cusip>
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				<None>107</None>
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			<nameOfIssuer>BROADCOM INC</nameOfIssuer>
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				<Sole>714</Sole>
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				<None>668</None>
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		<infoTable>
			<nameOfIssuer>BROADCOM INC</nameOfIssuer>
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				<sshPrnamt>90</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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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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		<infoTable>
			<nameOfIssuer>BROADCOM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>169</sshPrnamt>
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				<None>169</None>
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			<nameOfIssuer>BROOKFIELD ASSET MANAGMT LTD</nameOfIssuer>
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			<cusip>113004105</cusip>
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				<sshPrnamt>8271</sshPrnamt>
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			<nameOfIssuer>BROOKFIELD ASSET MANAGMT LTD</nameOfIssuer>
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			<nameOfIssuer>BROOKFIELD CORP</nameOfIssuer>
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			<nameOfIssuer>BROOKFIELD CORP</nameOfIssuer>
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			<nameOfIssuer>BURLINGTON STORES INC</nameOfIssuer>
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			<nameOfIssuer>C H ROBINSON WORLDWIDE INC</nameOfIssuer>
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			<nameOfIssuer>C H ROBINSON WORLDWIDE INC</nameOfIssuer>
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				<sshPrnamt>13844</sshPrnamt>
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			<nameOfIssuer>CADENCE BANK</nameOfIssuer>
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				<sshPrnamt>300</sshPrnamt>
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			<nameOfIssuer>CAL MAINE FOODS INC</nameOfIssuer>
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			<nameOfIssuer>CALAVO GROWERS INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CALIFORNIA WTR SVC GROUP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<nameOfIssuer>CANADIAN IMPERIAL BK COMM TO</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CANADIAN IMPERIAL BK COMM TO</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>175</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CANADIAN PAC RY LTD</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>CARMAX INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
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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>CATERPILLAR INC</nameOfIssuer>
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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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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>4749</Sole>
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		<infoTable>
			<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
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				<sshPrnamt>122</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<None>19</None>
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		<infoTable>
			<nameOfIssuer>CHURCH &amp; DWIGHT CO INC</nameOfIssuer>
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				<None>560</None>
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			<nameOfIssuer>CIGNA CORP NEW</nameOfIssuer>
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			<nameOfIssuer>CINTAS CORP</nameOfIssuer>
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			<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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			<nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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			<nameOfIssuer>CME GROUP 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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			<nameOfIssuer>COGNEX CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
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			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>2840</Sole>
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		<infoTable>
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				<Sole>6205</Sole>
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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>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>1839</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		<infoTable>
			<nameOfIssuer>DIAGEO PLC</nameOfIssuer>
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			<cusip>25243Q205</cusip>
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				<sshPrnamt>11906</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>3878</Sole>
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				<None>8028</None>
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		<infoTable>
			<nameOfIssuer>DIAGEO PLC</nameOfIssuer>
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			<cusip>25243Q205</cusip>
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				<sshPrnamt>37050</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>37050</None>
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		<infoTable>
			<nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>253868103</cusip>
			<value>3453292</value>
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				<sshPrnamt>34440</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>33232</Sole>
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				<None>1208</None>
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		<infoTable>
			<nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>253868103</cusip>
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				<sshPrnamt>618</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>12</None>
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		<infoTable>
			<nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>253868103</cusip>
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				<sshPrnamt>2277</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>2229</Sole>
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				<None>48</None>
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		<infoTable>
			<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
			<titleOfClass>US CORE EQUITY 2</titleOfClass>
			<cusip>25434V708</cusip>
			<value>46690</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1923</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1923</None>
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		<infoTable>
			<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
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			<cusip>25434V708</cusip>
			<value>353784</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14571</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>14571</None>
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		<infoTable>
			<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
			<titleOfClass>US EQUITY ETF</titleOfClass>
			<cusip>25434V401</cusip>
			<value>179963</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4325</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4325</None>
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		<infoTable>
			<nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
			<titleOfClass>US EQUITY ETF</titleOfClass>
			<cusip>25434V401</cusip>
			<value>943632</value>
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				<sshPrnamt>22678</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>22678</None>
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		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
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			<value>4557029</value>
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				<sshPrnamt>52452</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>37121</Sole>
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				<None>15331</None>
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		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
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			<value>141094</value>
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				<sshPrnamt>1624</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>1066</Sole>
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		<infoTable>
			<nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>254687106</cusip>
			<value>6536241</value>
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				<sshPrnamt>75233</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>4041</Sole>
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				<None>71192</None>
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		<infoTable>
			<nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>256677105</cusip>
			<value>870251</value>
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				<sshPrnamt>3534</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2719</Sole>
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				<None>815</None>
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		<infoTable>
			<nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>256677105</cusip>
			<value>7964464</value>
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				<sshPrnamt>32343</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>32343</None>
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		<infoTable>
			<nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>19831</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>16317</Sole>
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				<None>3514</None>
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		<infoTable>
			<nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>25746U109</cusip>
			<value>457815</value>
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				<sshPrnamt>7466</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>240</Sole>
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		<infoTable>
			<nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>25746U109</cusip>
			<value>39736</value>
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				<sshPrnamt>648</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>545</Sole>
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		<infoTable>
			<nameOfIssuer>DOUBLELINE OPPORTUNISTIC CR</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>258623107</cusip>
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				<sshPrnamt>378</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>378</None>
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		<infoTable>
			<nameOfIssuer>DOW INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>9387008</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>181458</Sole>
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				<None>4829</None>
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		<infoTable>
			<nameOfIssuer>DOW INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>2512</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>2512</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>DOW INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>DRAFTKINGS INC NEW</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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				<None>5825</None>
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		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
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				<sshPrnamt>42083</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>36481</Sole>
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		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
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			<value>960897</value>
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				<sshPrnamt>9330</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>624</Sole>
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		<infoTable>
			<nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>26441C204</cusip>
			<value>13698</value>
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				<sshPrnamt>133</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>50</Sole>
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		<infoTable>
			<nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>26614N102</cusip>
			<value>608062</value>
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				<sshPrnamt>8860</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>6104</Sole>
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		<infoTable>
			<nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>26614N102</cusip>
			<value>755</value>
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				<sshPrnamt>11</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
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				<None>11</None>
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		<infoTable>
			<nameOfIssuer>EASTGROUP PPTYS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>277276101</cusip>
			<value>19248</value>
			<shrsOrPrnAmt>
				<sshPrnamt>130</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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				<None>130</None>
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		<infoTable>
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			<titleOfClass>COM</titleOfClass>
			<cusip>277432100</cusip>
			<value>1547</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
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				<None>19</None>
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		<infoTable>
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			<cusip>G29183103</cusip>
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				<sshPrnamt>119066</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>116466</Sole>
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		<infoTable>
			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
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				<sshPrnamt>4513</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>699</Sole>
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		<infoTable>
			<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G29183103</cusip>
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				<sshPrnamt>3068</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3068</Sole>
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		<infoTable>
			<nameOfIssuer>EATON VANCE ENHANCED EQUITY</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>278277108</cusip>
			<value>162968</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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				<None>9847</None>
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		<infoTable>
			<nameOfIssuer>EATON VANCE TAX-MANAGED DIVE</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>27828N102</cusip>
			<value>136651</value>
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				<sshPrnamt>12583</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>12583</None>
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		<infoTable>
			<nameOfIssuer>ECOLAB INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>EQUITY COMWLTH</nameOfIssuer>
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		<infoTable>
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		<infoTable>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>FEDEX CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>FEDEX CORP</nameOfIssuer>
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				<None>4590</None>
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		<infoTable>
			<nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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		<infoTable>
			<nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>FISERV INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>FISERV INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>FLOWERS FOODS INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>FORTINET INC</nameOfIssuer>
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		<infoTable>
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			<nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>
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			<nameOfIssuer>FOX FACTORY HLDG CORP</nameOfIssuer>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
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			<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>GENERAL ELECTRIC</nameOfIssuer>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
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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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		<infoTable>
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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>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2126</None>
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		<infoTable>
			<nameOfIssuer>GRACO INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>384109104</cusip>
			<value>1883</value>
			<shrsOrPrnAmt>
				<sshPrnamt>28</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>28</None>
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		<infoTable>
			<nameOfIssuer>GSK PLC</nameOfIssuer>
			<titleOfClass>SPONSORED ADR</titleOfClass>
			<cusip>37733W204</cusip>
			<value>389458</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11083</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>11083</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>HALEON PLC</nameOfIssuer>
			<titleOfClass>SPON ADS</titleOfClass>
			<cusip>405552100</cusip>
			<value>117472</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14684</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>14007</Sole>
				<Shared>0</Shared>
				<None>677</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>HARTFORD FINL SVCS GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>416515104</cusip>
			<value>1365</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>18</None>
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		<infoTable>
			<nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>40412C101</cusip>
			<value>21734128</value>
			<shrsOrPrnAmt>
				<sshPrnamt>90574</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>88516</Sole>
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				<None>2058</None>
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		<infoTable>
			<nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>40412C101</cusip>
			<value>61994623</value>
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				<sshPrnamt>258354</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>12240</Sole>
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				<None>246114</None>
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		<infoTable>
			<nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>40412C101</cusip>
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				<sshPrnamt>2880</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2880</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>HEALTHCARE RLTY TR</nameOfIssuer>
			<titleOfClass>CL A COM</titleOfClass>
			<cusip>42226K105</cusip>
			<value>7997</value>
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				<sshPrnamt>415</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>415</None>
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		<infoTable>
			<nameOfIssuer>HEALTHPEAK PROPERTIES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>42250P103</cusip>
			<value>2482</value>
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				<sshPrnamt>99</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>99</None>
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		<infoTable>
			<nameOfIssuer>HEALTHSTREAM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>42222N103</cusip>
			<value>2059385</value>
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				<sshPrnamt>82906</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2906</Sole>
				<Shared>0</Shared>
				<None>80000</None>
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		<infoTable>
			<nameOfIssuer>HEALTHSTREAM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>42222N103</cusip>
			<value>6831</value>
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				<sshPrnamt>275</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>275</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>HEICO CORP NEW</nameOfIssuer>
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			<cusip>422806208</cusip>
			<value>107985</value>
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				<sshPrnamt>901</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>901</None>
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		<infoTable>
			<nameOfIssuer>HENRY JACK &amp; ASSOC INC COM</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>426281101</cusip>
			<value>737352</value>
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				<sshPrnamt>4200</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3956</Sole>
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				<None>244</None>
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		<infoTable>
			<nameOfIssuer>HENRY JACK &amp; ASSOC INC COM</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>426281101</cusip>
			<value>16678</value>
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				<sshPrnamt>95</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>95</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>HERSHEY CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>427866108</cusip>
			<value>644460</value>
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				<sshPrnamt>2783</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2783</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>HERSHEY CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>427866108</cusip>
			<value>6716</value>
			<shrsOrPrnAmt>
				<sshPrnamt>29</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>29</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>HERSHEY CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>427866108</cusip>
			<value>349671</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1510</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1510</None>
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		<infoTable>
			<nameOfIssuer>HESS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>42809H107</cusip>
			<value>63110</value>
			<shrsOrPrnAmt>
				<sshPrnamt>445</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>445</None>
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		<infoTable>
			<nameOfIssuer>HEWLETT PACKARD ENTERPRISE C</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>42824C109</cusip>
			<value>169591</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10626</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4858</Sole>
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				<None>5768</None>
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		<infoTable>
			<nameOfIssuer>HILTON WORLDWIDE HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>43300A203</cusip>
			<value>4802</value>
			<shrsOrPrnAmt>
				<sshPrnamt>38</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>38</None>
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		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>437076102</cusip>
			<value>25959915</value>
			<shrsOrPrnAmt>
				<sshPrnamt>82188</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>79274</Sole>
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				<None>2914</None>
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		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>437076102</cusip>
			<value>5689588</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18013</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>1288</Sole>
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				<None>16725</None>
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		<infoTable>
			<nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>437076102</cusip>
			<value>844295</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2673</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2673</Sole>
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				<None>0</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>438516106</cusip>
			<value>5720540</value>
			<shrsOrPrnAmt>
				<sshPrnamt>26694</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>24753</Sole>
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				<None>1941</None>
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		<infoTable>
			<nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>438516106</cusip>
			<value>17963701</value>
			<shrsOrPrnAmt>
				<sshPrnamt>83825</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>6074</Sole>
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				<None>77751</None>
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		<infoTable>
			<nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>438516106</cusip>
			<value>187299</value>
			<shrsOrPrnAmt>
				<sshPrnamt>874</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>860</Sole>
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				<None>14</None>
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		<infoTable>
			<nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>438516106</cusip>
			<value>19716</value>
			<shrsOrPrnAmt>
				<sshPrnamt>92</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>92</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>HOWARD HUGHES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>44267D107</cusip>
			<value>1031899</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13503</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>13482</Sole>
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				<None>21</None>
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		<infoTable>
			<nameOfIssuer>HOWARD HUGHES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>44267D107</cusip>
			<value>1582887</value>
			<shrsOrPrnAmt>
				<sshPrnamt>20713</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>20713</None>
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		<infoTable>
			<nameOfIssuer>HP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>40434L105</cusip>
			<value>308925</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11497</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8333</Sole>
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				<None>3164</None>
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		<infoTable>
			<nameOfIssuer>HUMANA INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>444859102</cusip>
			<value>256095</value>
			<shrsOrPrnAmt>
				<sshPrnamt>500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>487</Sole>
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				<None>13</None>
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		<infoTable>
			<nameOfIssuer>HUMANA INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>444859102</cusip>
			<value>9219</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>18</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>446150104</cusip>
			<value>168128</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11924</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9907</Sole>
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				<None>2017</None>
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		<infoTable>
			<nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>446150104</cusip>
			<value>6007</value>
			<shrsOrPrnAmt>
				<sshPrnamt>426</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>426</None>
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		<infoTable>
			<nameOfIssuer>I3 VERTICALS INC</nameOfIssuer>
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			<value>883153</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36284</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>36284</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ICU MED INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>44930G107</cusip>
			<value>6142</value>
			<shrsOrPrnAmt>
				<sshPrnamt>39</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>39</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>IDEXX LABS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>45168D104</cusip>
			<value>2040</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>ILLINOIS TOOL WKS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>452308109</cusip>
			<value>518587</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2354</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2177</Sole>
				<Shared>0</Shared>
				<None>177</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>452308109</cusip>
			<value>132180</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>INDEPENDENT BK CORP MASS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>453836108</cusip>
			<value>675</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>8</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INSULET CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>45784P101</cusip>
			<value>109808</value>
			<shrsOrPrnAmt>
				<sshPrnamt>373</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>340</Sole>
				<Shared>0</Shared>
				<None>33</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INSULET CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>45784P101</cusip>
			<value>116578</value>
			<shrsOrPrnAmt>
				<sshPrnamt>396</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>396</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>458140100</cusip>
			<value>2542707</value>
			<shrsOrPrnAmt>
				<sshPrnamt>96205</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>92292</Sole>
				<Shared>0</Shared>
				<None>3913</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>458140100</cusip>
			<value>509675</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19284</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>4707</Sole>
				<Shared>0</Shared>
				<None>14577</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>458140100</cusip>
			<value>155039</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5866</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5866</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTEL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>458140100</cusip>
			<value>5550</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>
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		<infoTable>
			<nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>
			<titleOfClass>COM CL A</titleOfClass>
			<cusip>45841N107</cusip>
			<value>26770</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>1169628</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11401</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2851</Sole>
				<Shared>0</Shared>
				<None>8550</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>45866F104</cusip>
			<value>6160530</value>
			<shrsOrPrnAmt>
				<sshPrnamt>60050</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>60050</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>459200101</cusip>
			<value>7067883</value>
			<shrsOrPrnAmt>
				<sshPrnamt>50166</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>48500</Sole>
				<Shared>0</Shared>
				<None>1666</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>459200101</cusip>
			<value>1713785</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12164</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>3419</Sole>
				<Shared>0</Shared>
				<None>8745</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>459200101</cusip>
			<value>329259</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2337</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2337</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>460146103</cusip>
			<value>315340</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9106</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>9106</None>
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		<infoTable>
			<nameOfIssuer>INTUIT</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>461202103</cusip>
			<value>615360</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1581</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1448</Sole>
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				<None>133</None>
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		<infoTable>
			<nameOfIssuer>INTUIT</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>461202103</cusip>
			<value>7395</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>19</None>
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		<infoTable>
			<nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>46120E602</cusip>
			<value>3980</value>
			<shrsOrPrnAmt>
				<sshPrnamt>15</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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				<Shared>0</Shared>
				<None>15</None>
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		<infoTable>
			<nameOfIssuer>INVESCO ACTVELY MNGD ETC FD</nameOfIssuer>
			<titleOfClass>OPTIMUM YIELD</titleOfClass>
			<cusip>46090F100</cusip>
			<value>216335</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14637</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>12378</Sole>
				<Shared>0</Shared>
				<None>2259</None>
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		<infoTable>
			<nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
			<titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
			<cusip>46138E354</cusip>
			<value>202755</value>
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				<sshPrnamt>3173</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3173</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
			<titleOfClass>VAR RATE PFD</titleOfClass>
			<cusip>46138G870</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>351982</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>351982</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
			<titleOfClass>FTSE RAFI 1000</titleOfClass>
			<cusip>46137V613</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>2715</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<None>2715</None>
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		<infoTable>
			<nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
			<titleOfClass>S&amp;P 500 TOP 50</titleOfClass>
			<cusip>46137V233</cusip>
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				<sshPrnamt>850</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>850</Sole>
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				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
			<titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
			<cusip>46137V357</cusip>
			<value>1486374</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10523</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>10523</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
			<titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
			<cusip>46137V357</cusip>
			<value>1380436</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9773</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>9773</None>
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		<infoTable>
			<nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
			<titleOfClass>UNIT SER 1</titleOfClass>
			<cusip>46090E103</cusip>
			<value>3202282</value>
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				<sshPrnamt>12026</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>7623</Sole>
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				<None>4403</None>
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		<infoTable>
			<nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
			<titleOfClass>UNIT SER 1</titleOfClass>
			<cusip>46090E103</cusip>
			<value>1881801</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7067</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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				<Shared>0</Shared>
				<None>7067</None>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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			<cusip>464287150</cusip>
			<value>9464951</value>
			<shrsOrPrnAmt>
				<sshPrnamt>111615</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>8558</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
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			<value>1233652</value>
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				<sshPrnamt>35665</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
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				<None>35665</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES INC</nameOfIssuer>
			<titleOfClass>CORE MSCI EMKT</titleOfClass>
			<cusip>46434G103</cusip>
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				<sshPrnamt>13052</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>9994</Sole>
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				<None>3058</None>
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		<infoTable>
			<nameOfIssuer>ISHARES INC</nameOfIssuer>
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				<sshPrnamt>7179</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>615</Sole>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>ISHARES INC</nameOfIssuer>
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			<cusip>46434G103</cusip>
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				<sshPrnamt>6782</sshPrnamt>
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			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>FLTG RATE NT ETF</titleOfClass>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>IBOXX INV CP ETF</titleOfClass>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
			<titleOfClass>ISHARES BIOTECH</titleOfClass>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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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>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ISHARES TR</nameOfIssuer>
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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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		<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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			<titleOfClass>COM</titleOfClass>
			<cusip>532457108</cusip>
			<value>200116</value>
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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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				<None>15</None>
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		<infoTable>
			<nameOfIssuer>LINCOLN NATL CORP IND</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>534187109</cusip>
			<value>747172</value>
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				<sshPrnamt>24322</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<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>199680</value>
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				<sshPrnamt>6500</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>6500</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>LINDE PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
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				<sshPrnamt>2032</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>1965</Sole>
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				<None>67</None>
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		<infoTable>
			<nameOfIssuer>LINDE PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
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				<sshPrnamt>1158</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>0</Sole>
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				<None>1158</None>
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		<infoTable>
			<nameOfIssuer>LINDSAY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>651</value>
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				<sshPrnamt>4</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>4</None>
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		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>539830109</cusip>
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				<sshPrnamt>66983</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>65914</Sole>
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				<None>1034</None>
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		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>539830109</cusip>
			<value>2264124</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4654</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
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				<Sole>1182</Sole>
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				<None>3472</None>
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		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>539830109</cusip>
			<value>6711131</value>
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				<sshPrnamt>13795</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>13790</Sole>
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				<None>5</None>
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		<infoTable>
			<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>539830109</cusip>
			<value>17027</value>
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				<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>
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		<infoTable>
			<nameOfIssuer>LOWES COS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>548661107</cusip>
			<value>1448078</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7268</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>6970</Sole>
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				<None>298</None>
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		<infoTable>
			<nameOfIssuer>LOWES COS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>548661107</cusip>
			<value>611268</value>
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				<sshPrnamt>3068</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1068</Sole>
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				<None>2000</None>
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		<infoTable>
			<nameOfIssuer>LOWES COS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>548661107</cusip>
			<value>392503</value>
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				<sshPrnamt>1970</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>LSI INDS INC OHIO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>50216C108</cusip>
			<value>4569657</value>
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				<sshPrnamt>373338</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>373338</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>LULULEMON ATHLETICA INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>550021109</cusip>
			<value>316536</value>
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				<sshPrnamt>988</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>944</Sole>
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				<None>44</None>
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		<infoTable>
			<nameOfIssuer>LULULEMON ATHLETICA INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>550021109</cusip>
			<value>96114</value>
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				<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>3857</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>451827</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3882</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3882</None>
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		<infoTable>
			<nameOfIssuer>MARKETAXESS HLDGS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>57060D108</cusip>
			<value>69723</value>
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				<sshPrnamt>250</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>250</None>
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		<infoTable>
			<nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>573874104</cusip>
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				<sshPrnamt>1975</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>1975</Sole>
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		<infoTable>
			<nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>72955</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>70775</Sole>
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		<infoTable>
			<nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>57636Q104</cusip>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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		<infoTable>
			<nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
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				<sshPrnamt>465</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>465</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>869673</value>
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				<sshPrnamt>2501</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>2501</None>
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		<infoTable>
			<nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
			<titleOfClass>COM NON VTG</titleOfClass>
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			<value>13262</value>
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				<sshPrnamt>160</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>160</None>
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		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>7089225</value>
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				<sshPrnamt>26901</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>771087</value>
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				<sshPrnamt>2926</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>50598</value>
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				<sshPrnamt>192</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
			<titleOfClass>COMMON STOCK</titleOfClass>
			<cusip>58155Q103</cusip>
			<value>647456</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G5960L103</cusip>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>38073</Sole>
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		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
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			<cusip>G5960L103</cusip>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>4896</value>
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				<sshPrnamt>63</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
			<titleOfClass>SHS</titleOfClass>
			<cusip>G5960L103</cusip>
			<value>11581</value>
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				<sshPrnamt>149</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
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		<infoTable>
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			<value>175369</value>
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				<sshPrnamt>1200</sshPrnamt>
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				<Sole>1200</Sole>
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				<None>0</None>
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			<nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>674599105</cusip>
			<value>17763</value>
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				<None>282</None>
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		<infoTable>
			<nameOfIssuer>OLD DOMINION FREIGHT LINE IN</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>679580100</cusip>
			<value>118620</value>
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				<sshPrnamt>418</sshPrnamt>
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				<Sole>0</Sole>
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				<None>418</None>
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		<infoTable>
			<nameOfIssuer>OLD NATL BANCORP IND</nameOfIssuer>
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				<Sole>0</Sole>
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				<None>3051</None>
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		<infoTable>
			<nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>681116109</cusip>
			<value>50353</value>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>1075</None>
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		<infoTable>
			<nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
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			<cusip>681919106</cusip>
			<value>12378000</value>
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				<sshPrnamt>151747</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>150858</Sole>
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		<infoTable>
			<nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
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			<value>153596</value>
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				<sshPrnamt>1883</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>1223</Sole>
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		<infoTable>
			<nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
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				<sshPrnamt>4577</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>4577</Sole>
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		<infoTable>
			<nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
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				<sshPrnamt>4025</sshPrnamt>
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				<Sole>2025</Sole>
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				<None>2000</None>
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		<infoTable>
			<nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
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			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
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				<None>5560</None>
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		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
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				<sshPrnamt>1022</sshPrnamt>
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		<infoTable>
			<nameOfIssuer>ORACLE CORP</nameOfIssuer>
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				<sshPrnamt>160</sshPrnamt>
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			<nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>67103H107</cusip>
			<value>4220</value>
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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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			<nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
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				<sshPrnamt>188</sshPrnamt>
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		<infoTable>
			<nameOfIssuer>ORION OFFICE REIT INC</nameOfIssuer>
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				<sshPrnamt>4</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
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				<sshPrnamt>417</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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				<None>417</None>
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		<infoTable>
			<nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>1390</Sole>
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		<infoTable>
			<nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>1228</None>
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		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>PAYCOM SOFTWARE INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>130</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<nameOfIssuer>PAYLOCITY HLDG CORP</nameOfIssuer>
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				<sshPrnamt>34</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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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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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>PEPSICO INC</nameOfIssuer>
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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>
			<nameOfIssuer>PFIZER INC</nameOfIssuer>
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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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		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
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				<sshPrnamt>84138</sshPrnamt>
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			<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
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			<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<value>353142</value>
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				<sshPrnamt>3393</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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				<None>648</None>
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		<infoTable>
			<nameOfIssuer>PHILLIPS 66</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>1029</sshPrnamt>
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			<nameOfIssuer>PIMCO DYNAMIC INCOME FD</nameOfIssuer>
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		<infoTable>
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			<nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
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			<nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
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			<nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>693475105</cusip>
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				<sshPrnamt>1785</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<nameOfIssuer>POOL CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>PORTLAND GEN ELEC CO</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>PPG INDS INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<nameOfIssuer>PRINCIPAL EXCHANGE TRADED FD</nameOfIssuer>
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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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		<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>
			<nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
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				<sshPrnamt>2039</sshPrnamt>
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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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		<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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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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				<sshPrnamt>180</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>810</sshPrnamt>
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				<None>810</None>
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		<infoTable>
			<nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>754730109</cusip>
			<value>47228</value>
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				<sshPrnamt>442</sshPrnamt>
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		<infoTable>
			<nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>17979</sshPrnamt>
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				<None>2484</None>
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		<infoTable>
			<nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
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				<Sole>1136</Sole>
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				<None>5856</None>
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		<infoTable>
			<nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>1687</sshPrnamt>
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				<Sole>1629</Sole>
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				<None>58</None>
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			<nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<None>45</None>
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			<nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>7591EP100</cusip>
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				<sshPrnamt>123042</sshPrnamt>
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		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
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			<cusip>7591EP100</cusip>
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				<sshPrnamt>4000</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
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			<cusip>7591EP100</cusip>
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				<sshPrnamt>23906</sshPrnamt>
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				<None>23906</None>
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			<nameOfIssuer>REINSURANCE GRP OF AMERICA I</nameOfIssuer>
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			<cusip>759351604</cusip>
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				<sshPrnamt>31</sshPrnamt>
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			<nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
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			<value>362848</value>
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				<sshPrnamt>2813</sshPrnamt>
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		<infoTable>
			<nameOfIssuer>RESMED INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>450</sshPrnamt>
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			<nameOfIssuer>ROBERT HALF INTL INC</nameOfIssuer>
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			<nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>565</Sole>
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		<infoTable>
			<nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>700</None>
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			<nameOfIssuer>ROYAL BK CDA SUSTAINABL</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>1000</None>
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			<nameOfIssuer>RYMAN HOSPITALITY PPTYS INC</nameOfIssuer>
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				<None>662</None>
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			<nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
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		<infoTable>
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			<nameOfIssuer>SANOFI</nameOfIssuer>
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			<nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
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		<infoTable>
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			<nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
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		<infoTable>
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		<infoTable>
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			<shrsOrPrnAmt>
				<sshPrnamt>83510</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>83510</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US BRD MKT ETF</titleOfClass>
			<cusip>808524102</cusip>
			<value>194924</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 LCAP FR ETF</titleOfClass>
			<cusip>808524300</cusip>
			<value>298468</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5372</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5372</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US LRG CAP ETF</titleOfClass>
			<cusip>808524201</cusip>
			<value>90300</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>295109</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4498</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4498</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
			<titleOfClass>US SML CAP ETF</titleOfClass>
			<cusip>808524607</cusip>
			<value>201947</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4985</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4985</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>COMMUNICATION</titleOfClass>
			<cusip>81369Y852</cusip>
			<value>256987</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5355</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>5355</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>COMMUNICATION</titleOfClass>
			<cusip>81369Y852</cusip>
			<value>17132</value>
			<shrsOrPrnAmt>
				<sshPrnamt>357</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>357</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>ENERGY</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>2815657</value>
			<shrsOrPrnAmt>
				<sshPrnamt>32190</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>30143</Sole>
				<Shared>0</Shared>
				<None>2047</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>ENERGY</titleOfClass>
			<cusip>81369Y506</cusip>
			<value>292149</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>164444</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1880</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1880</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>FINANCIAL</titleOfClass>
			<cusip>81369Y605</cusip>
			<value>3069145</value>
			<shrsOrPrnAmt>
				<sshPrnamt>89741</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>88921</Sole>
				<Shared>0</Shared>
				<None>820</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>FINANCIAL</titleOfClass>
			<cusip>81369Y605</cusip>
			<value>452740</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13238</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>13238</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>293890</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7958</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>6890</Sole>
				<Shared>0</Shared>
				<None>1068</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI CONS DISCR</titleOfClass>
			<cusip>81369Y407</cusip>
			<value>1077065</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8339</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8339</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>20407</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>SBI CONS DISCR</titleOfClass>
			<cusip>81369Y407</cusip>
			<value>12399</value>
			<shrsOrPrnAmt>
				<sshPrnamt>96</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>96</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI CONS STPLS</titleOfClass>
			<cusip>81369Y308</cusip>
			<value>779422</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10455</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>10316</Sole>
				<Shared>0</Shared>
				<None>139</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI CONS STPLS</titleOfClass>
			<cusip>81369Y308</cusip>
			<value>18936</value>
			<shrsOrPrnAmt>
				<sshPrnamt>254</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>254</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI HEALTHCARE</titleOfClass>
			<cusip>81369Y209</cusip>
			<value>1519484</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11185</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>11040</Sole>
				<Shared>0</Shared>
				<None>145</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI HEALTHCARE</titleOfClass>
			<cusip>81369Y209</cusip>
			<value>240183</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1768</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1768</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-INDS</titleOfClass>
			<cusip>81369Y704</cusip>
			<value>891551</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9078</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8972</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>47534</value>
			<shrsOrPrnAmt>
				<sshPrnamt>484</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>484</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>50480</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>SBI INT-UTILS</titleOfClass>
			<cusip>81369Y886</cusip>
			<value>1690746</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23982</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>23143</Sole>
				<Shared>0</Shared>
				<None>839</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI INT-UTILS</titleOfClass>
			<cusip>81369Y886</cusip>
			<value>15369</value>
			<shrsOrPrnAmt>
				<sshPrnamt>218</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>218</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>SBI MATERIALS</titleOfClass>
			<cusip>81369Y100</cusip>
			<value>690187</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8885</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8536</Sole>
				<Shared>0</Shared>
				<None>349</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>TECHNOLOGY</titleOfClass>
			<cusip>81369Y803</cusip>
			<value>3788200</value>
			<shrsOrPrnAmt>
				<sshPrnamt>30442</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>30215</Sole>
				<Shared>0</Shared>
				<None>227</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
			<titleOfClass>TECHNOLOGY</titleOfClass>
			<cusip>81369Y803</cusip>
			<value>29118</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>243405</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1956</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1956</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>81762P102</cusip>
			<value>4768350</value>
			<shrsOrPrnAmt>
				<sshPrnamt>12281</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>11077</Sole>
				<Shared>0</Shared>
				<None>1204</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>81762P102</cusip>
			<value>9377886</value>
			<shrsOrPrnAmt>
				<sshPrnamt>24153</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>358</Sole>
				<Shared>0</Shared>
				<None>23795</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SERVICENOW INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>81762P102</cusip>
			<value>174333</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>478210</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8397</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>8315</Sole>
				<Shared>0</Shared>
				<None>82</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>824348106</cusip>
			<value>865307</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3646</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3465</Sole>
				<Shared>0</Shared>
				<None>181</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>824348106</cusip>
			<value>789360</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3326</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3326</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SHOPIFY INC</nameOfIssuer>
			<titleOfClass>CL A</titleOfClass>
			<cusip>82509L107</cusip>
			<value>36446</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1050</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1050</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SJW GROUP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>784305104</cusip>
			<value>9418</value>
			<shrsOrPrnAmt>
				<sshPrnamt>116</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>116</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SMARTFINANCIAL INC</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>83190L208</cusip>
			<value>1010983</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36763</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>36763</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SMITH &amp; NEPHEW PLC</nameOfIssuer>
			<titleOfClass>SPDN ADR NEW</titleOfClass>
			<cusip>83175M205</cusip>
			<value>13364</value>
			<shrsOrPrnAmt>
				<sshPrnamt>497</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>497</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SNAP ON INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>833034101</cusip>
			<value>8376667</value>
			<shrsOrPrnAmt>
				<sshPrnamt>36661</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>36356</Sole>
				<Shared>0</Shared>
				<None>305</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SNAP ON INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>833034101</cusip>
			<value>64206</value>
			<shrsOrPrnAmt>
				<sshPrnamt>281</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>281</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SNAP ON INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>833034101</cusip>
			<value>235801</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1032</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1032</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>835495102</cusip>
			<value>812845</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>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTH JERSEY INDS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>838518108</cusip>
			<value>67223</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>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>842587107</cusip>
			<value>7695285</value>
			<shrsOrPrnAmt>
				<sshPrnamt>107762</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>103258</Sole>
				<Shared>0</Shared>
				<None>4504</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>842587107</cusip>
			<value>951180</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13320</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>951</Sole>
				<Shared>0</Shared>
				<None>12369</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>842587107</cusip>
			<value>459023</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6428</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>6320</Sole>
				<Shared>0</Shared>
				<None>108</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SOUTHERN COPPER CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>84265V105</cusip>
			<value>79594</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1318</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>1318</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SOUTHSTATE CORPORATION</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>840441109</cusip>
			<value>13439</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>292256</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8680</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>8680</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
			<titleOfClass>UT SER 1</titleOfClass>
			<cusip>78467X109</cusip>
			<value>6897960</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>6362199</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19202</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>19202</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
			<titleOfClass>GOLD SHS</titleOfClass>
			<cusip>78463V107</cusip>
			<value>2213971</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13051</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>12224</Sole>
				<Shared>0</Shared>
				<None>827</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
			<titleOfClass>GOLD SHS</titleOfClass>
			<cusip>78463V107</cusip>
			<value>502134</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2960</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2960</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
			<titleOfClass>DJ GLB RL ES ETF</titleOfClass>
			<cusip>78463X749</cusip>
			<value>37915</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>183111</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4477</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>4477</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
			<titleOfClass>TR UNIT</titleOfClass>
			<cusip>78462F103</cusip>
			<value>64627233</value>
			<shrsOrPrnAmt>
				<sshPrnamt>168991</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>163596</Sole>
				<Shared>0</Shared>
				<None>5395</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
			<titleOfClass>TR UNIT</titleOfClass>
			<cusip>78462F103</cusip>
			<value>1867788</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4884</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4818</Sole>
				<Shared>0</Shared>
				<None>66</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
			<titleOfClass>TR UNIT</titleOfClass>
			<cusip>78462F103</cusip>
			<value>36340794</value>
			<shrsOrPrnAmt>
				<sshPrnamt>95026</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>95026</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
			<titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>9694001</value>
			<shrsOrPrnAmt>
				<sshPrnamt>21893</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>21453</Sole>
				<Shared>0</Shared>
				<None>440</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
			<titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>1693719</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3825</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>2919</Sole>
				<Shared>0</Shared>
				<None>906</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
			<titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
			<cusip>78467Y107</cusip>
			<value>389655</value>
			<shrsOrPrnAmt>
				<sshPrnamt>880</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>880</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
			<cusip>78468R622</cusip>
			<value>313110</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3479</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3479</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
			<cusip>78468R739</cusip>
			<value>556478</value>
			<shrsOrPrnAmt>
				<sshPrnamt>11845</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>11845</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>PORTFOLIO SH TSR</titleOfClass>
			<cusip>78468R101</cusip>
			<value>1952762</value>
			<shrsOrPrnAmt>
				<sshPrnamt>67593</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>67593</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>PORTFOLIO SH TSR</titleOfClass>
			<cusip>78468R101</cusip>
			<value>104206</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3607</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3607</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>PORTFOLIO SHORT</titleOfClass>
			<cusip>78464A474</cusip>
			<value>12118366</value>
			<shrsOrPrnAmt>
				<sshPrnamt>412470</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>401070</Sole>
				<Shared>0</Shared>
				<None>11400</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>PORTFOLIO SHORT</titleOfClass>
			<cusip>78464A474</cusip>
			<value>1680389</value>
			<shrsOrPrnAmt>
				<sshPrnamt>57195</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>57195</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>SPDR SER TR</nameOfIssuer>
			<titleOfClass>PORTFOLIO SHORT</titleOfClass>
			<cusip>78464A474</cusip>
			<value>676738</value>
			<shrsOrPrnAmt>
				<sshPrnamt>23034</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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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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		<infoTable>
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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>DFND</investmentDiscretion>
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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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				<sshPrnamt>878</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
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		<infoTable>
			<nameOfIssuer>UNITED CMNTY BKS BLAIRSVLE G</nameOfIssuer>
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				<sshPrnamt>94</sshPrnamt>
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				<None>94</None>
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		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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				<sshPrnamt>101758</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>98119</Sole>
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				<None>3639</None>
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		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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				<sshPrnamt>3054</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>2847</Sole>
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				<None>207</None>
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		<infoTable>
			<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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			<cusip>911312106</cusip>
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				<sshPrnamt>4233</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>4173</Sole>
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				<None>60</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>74604</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>69437</Sole>
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				<None>5137</None>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>136161</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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				<sshPrnamt>15455</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>1926</Sole>
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		<infoTable>
			<nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91324P102</cusip>
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				<sshPrnamt>58</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>UNIVERSAL HLTH SVCS INC</nameOfIssuer>
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			<cusip>913903100</cusip>
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				<sshPrnamt>57</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>57</None>
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		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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			<cusip>902973304</cusip>
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				<sshPrnamt>315670</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>312885</Sole>
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				<None>2785</None>
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		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>902973304</cusip>
			<value>6722612</value>
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				<sshPrnamt>154153</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>9898</Sole>
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				<None>144255</None>
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		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>902973304</cusip>
			<value>523712</value>
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				<sshPrnamt>12009</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>11739</Sole>
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				<None>270</None>
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		<infoTable>
			<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
			<titleOfClass>COM NEW</titleOfClass>
			<cusip>902973304</cusip>
			<value>2355</value>
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				<sshPrnamt>54</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>54</Sole>
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		<infoTable>
			<nameOfIssuer>VAIL RESORTS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91879Q109</cusip>
			<value>30270</value>
			<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>25766797</value>
			<shrsOrPrnAmt>
				<sshPrnamt>203112</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>201740</Sole>
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				<None>1243</None>
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		<infoTable>
			<nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91913Y100</cusip>
			<value>1354991</value>
			<shrsOrPrnAmt>
				<sshPrnamt>10681</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>4415</Sole>
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				<None>6266</None>
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		<infoTable>
			<nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91913Y100</cusip>
			<value>619464</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4883</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4883</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>91913Y100</cusip>
			<value>17126</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>VALLEY NATL BANCORP</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>919794107</cusip>
			<value>1821</value>
			<shrsOrPrnAmt>
				<sshPrnamt>161</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>161</None>
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		<infoTable>
			<nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
			<titleOfClass>HIGH YLD MUNIETF</titleOfClass>
			<cusip>92189H409</cusip>
			<value>245219</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4851</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4851</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>889427</value>
			<shrsOrPrnAmt>
				<sshPrnamt>17595</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
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				<None>17595</None>
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		<infoTable>
			<nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
			<titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
			<cusip>92189F643</cusip>
			<value>13371</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 ADMIRAL FDS INC</nameOfIssuer>
			<titleOfClass>SMLLCP 600 IDX</titleOfClass>
			<cusip>921932828</cusip>
			<value>5466027</value>
			<shrsOrPrnAmt>
				<sshPrnamt>31539</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>31342</Sole>
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		<infoTable>
			<nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
			<titleOfClass>SMLLCP 600 IDX</titleOfClass>
			<cusip>921932828</cusip>
			<value>1235700</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7130</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>7130</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
			<titleOfClass>INTERMED TERM</titleOfClass>
			<cusip>921937819</cusip>
			<value>5705246</value>
			<shrsOrPrnAmt>
				<sshPrnamt>76766</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>76766</Sole>
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				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
			<titleOfClass>INTERMED TERM</titleOfClass>
			<cusip>921937819</cusip>
			<value>1427166</value>
			<shrsOrPrnAmt>
				<sshPrnamt>19203</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>16663</Sole>
				<Shared>0</Shared>
				<None>2540</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
			<titleOfClass>INTERMED TERM</titleOfClass>
			<cusip>921937819</cusip>
			<value>210994</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2839</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2839</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>2965429</value>
			<shrsOrPrnAmt>
				<sshPrnamt>39392</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>37399</Sole>
				<Shared>0</Shared>
				<None>1993</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
			<titleOfClass>SHORT TRM BOND</titleOfClass>
			<cusip>921937827</cusip>
			<value>1097205</value>
			<shrsOrPrnAmt>
				<sshPrnamt>14575</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>11960</Sole>
				<Shared>0</Shared>
				<None>2615</None>
			</votingAuthority>
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		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>GROWTH ETF</titleOfClass>
			<cusip>922908736</cusip>
			<value>17374663</value>
			<shrsOrPrnAmt>
				<sshPrnamt>81529</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>81171</Sole>
				<Shared>0</Shared>
				<None>358</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>GROWTH ETF</titleOfClass>
			<cusip>922908736</cusip>
			<value>30262</value>
			<shrsOrPrnAmt>
				<sshPrnamt>142</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<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>1955710</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9176</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9176</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>MCAP GR IDXVIP</titleOfClass>
			<cusip>922908538</cusip>
			<value>761822</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4238</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>4238</Sole>
				<Shared>0</Shared>
				<None>0</None>
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		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>MCAP VL IDXVIP</titleOfClass>
			<cusip>922908512</cusip>
			<value>255874</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1892</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<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>MID CAP ETF</titleOfClass>
			<cusip>922908629</cusip>
			<value>12470923</value>
			<shrsOrPrnAmt>
				<sshPrnamt>61189</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>58605</Sole>
				<Shared>0</Shared>
				<None>2584</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>MID CAP ETF</titleOfClass>
			<cusip>922908629</cusip>
			<value>666050</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3268</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>3268</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>MID CAP ETF</titleOfClass>
			<cusip>922908629</cusip>
			<value>171812</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>REAL ESTATE ETF</titleOfClass>
			<cusip>922908553</cusip>
			<value>7691504</value>
			<shrsOrPrnAmt>
				<sshPrnamt>93253</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>91860</Sole>
				<Shared>0</Shared>
				<None>1393</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>REAL ESTATE ETF</titleOfClass>
			<cusip>922908553</cusip>
			<value>568700</value>
			<shrsOrPrnAmt>
				<sshPrnamt>6895</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>1885</Sole>
				<Shared>0</Shared>
				<None>5010</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>REAL ESTATE ETF</titleOfClass>
			<cusip>922908553</cusip>
			<value>108956</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>S&amp;P 500 ETF SHS</titleOfClass>
			<cusip>922908363</cusip>
			<value>77012671</value>
			<shrsOrPrnAmt>
				<sshPrnamt>219197</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>216875</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>895566</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2549</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>2549</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>48364522</value>
			<shrsOrPrnAmt>
				<sshPrnamt>137657</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>137657</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>SM CP VAL ETF</titleOfClass>
			<cusip>922908611</cusip>
			<value>2901911</value>
			<shrsOrPrnAmt>
				<sshPrnamt>18274</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>18221</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>285205</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1796</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1796</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>SMALL CP ETF</titleOfClass>
			<cusip>922908751</cusip>
			<value>224653</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1224</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1224</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>SMALL CP ETF</titleOfClass>
			<cusip>922908751</cusip>
			<value>1493832</value>
			<shrsOrPrnAmt>
				<sshPrnamt>8139</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>8139</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>SML CP GRW ETF</titleOfClass>
			<cusip>922908595</cusip>
			<value>5579223</value>
			<shrsOrPrnAmt>
				<sshPrnamt>27821</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>27821</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>184697</value>
			<shrsOrPrnAmt>
				<sshPrnamt>921</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>921</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>138774</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>TOTAL STK MKT</titleOfClass>
			<cusip>922908769</cusip>
			<value>21775708</value>
			<shrsOrPrnAmt>
				<sshPrnamt>113896</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>113717</Sole>
				<Shared>0</Shared>
				<None>179</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>TOTAL STK MKT</titleOfClass>
			<cusip>922908769</cusip>
			<value>507418</value>
			<shrsOrPrnAmt>
				<sshPrnamt>2654</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>2654</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>VALUE ETF</titleOfClass>
			<cusip>922908744</cusip>
			<value>154266</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1099</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1004</Sole>
				<Shared>0</Shared>
				<None>95</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
			<titleOfClass>VALUE ETF</titleOfClass>
			<cusip>922908744</cusip>
			<value>1074391</value>
			<shrsOrPrnAmt>
				<sshPrnamt>7654</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>7654</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>ALLWRLD EX US</titleOfClass>
			<cusip>922042775</cusip>
			<value>3510101</value>
			<shrsOrPrnAmt>
				<sshPrnamt>70006</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>70006</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>ALLWRLD EX US</titleOfClass>
			<cusip>922042775</cusip>
			<value>42820</value>
			<shrsOrPrnAmt>
				<sshPrnamt>854</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>854</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
			<cusip>922042858</cusip>
			<value>12368968</value>
			<shrsOrPrnAmt>
				<sshPrnamt>317315</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>301749</Sole>
				<Shared>0</Shared>
				<None>15566</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
			<cusip>922042858</cusip>
			<value>17283646</value>
			<shrsOrPrnAmt>
				<sshPrnamt>443398</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>18037</Sole>
				<Shared>0</Shared>
				<None>425361</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE EMR MKT ETF</titleOfClass>
			<cusip>922042858</cusip>
			<value>520344</value>
			<shrsOrPrnAmt>
				<sshPrnamt>13349</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>13349</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
			<titleOfClass>FTSE PACIFIC ETF</titleOfClass>
			<cusip>922042866</cusip>
			<value>36744</value>
			<shrsOrPrnAmt>
				<sshPrnamt>571</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>571</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
			<titleOfClass>STRM INFPROIDX</titleOfClass>
			<cusip>922020805</cusip>
			<value>257232</value>
			<shrsOrPrnAmt>
				<sshPrnamt>5507</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>5507</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
			<titleOfClass>TAX EXEMPT BD</titleOfClass>
			<cusip>922907746</cusip>
			<value>6257911</value>
			<shrsOrPrnAmt>
				<sshPrnamt>126448</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>126448</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>13857</value>
			<shrsOrPrnAmt>
				<sshPrnamt>280</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>280</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>24529046</value>
			<shrsOrPrnAmt>
				<sshPrnamt>495636</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>495636</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>INT-TERM CORP</titleOfClass>
			<cusip>92206C870</cusip>
			<value>2908953</value>
			<shrsOrPrnAmt>
				<sshPrnamt>37530</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>36030</Sole>
				<Shared>0</Shared>
				<None>1500</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>INT-TERM CORP</titleOfClass>
			<cusip>92206C870</cusip>
			<value>330580</value>
			<shrsOrPrnAmt>
				<sshPrnamt>4265</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>4265</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>INT-TERM CORP</titleOfClass>
			<cusip>92206C870</cusip>
			<value>87818</value>
			<shrsOrPrnAmt>
				<sshPrnamt>1133</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>1133</Sole>
				<Shared>0</Shared>
				<None>0</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>SHORT TERM TREAS</titleOfClass>
			<cusip>92206C102</cusip>
			<value>200925</value>
			<shrsOrPrnAmt>
				<sshPrnamt>3475</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
			</shrsOrPrnAmt>
			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>0</Sole>
				<Shared>0</Shared>
				<None>3475</None>
			</votingAuthority>
		</infoTable>
		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>SHRT TRM CORP BD</titleOfClass>
			<cusip>92206C409</cusip>
			<value>9811927</value>
			<shrsOrPrnAmt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>127245</Sole>
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				<None>3250</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>SHRT TRM CORP BD</titleOfClass>
			<cusip>92206C409</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>184929</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>6280</Sole>
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				<None>178649</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>SHRT TRM CORP BD</titleOfClass>
			<cusip>92206C409</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>6161</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>6161</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>VNG RUS1000GRW</titleOfClass>
			<cusip>92206C680</cusip>
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			<shrsOrPrnAmt>
				<sshPrnamt>46710</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>46710</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>VNG RUS1000GRW</titleOfClass>
			<cusip>92206C680</cusip>
			<value>499829</value>
			<shrsOrPrnAmt>
				<sshPrnamt>9068</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
			<votingAuthority>
				<Sole>9068</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>VNG RUS1000IDX</titleOfClass>
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				<sshPrnamt>3783</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>2283</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
			<titleOfClass>VNG RUS1000VAL</titleOfClass>
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				<sshPrnamt>3380</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>3380</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>10868</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
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				<sshPrnamt>5511</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>5511</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>169</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
			<titleOfClass>DIV APP ETF</titleOfClass>
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		<infoTable>
			<nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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			<nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
			<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
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				<sshPrnamt>543020</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>501720</Sole>
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				<None>41300</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
			<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>37171</Sole>
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		<infoTable>
			<nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
			<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>19240</Sole>
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		<infoTable>
			<nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
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				<sshPrnamt>156141</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>156035</Sole>
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				<None>106</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
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			<cusip>921946406</cusip>
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				<sshPrnamt>215</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
				<Sole>215</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
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				<sshPrnamt>2771</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>2771</Sole>
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		<infoTable>
			<nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
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				<sshPrnamt>384</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>384</Sole>
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		<infoTable>
			<nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>15599</Sole>
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		<infoTable>
			<nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>4800</Sole>
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		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>72554</Sole>
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		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
			<cusip>92343V104</cusip>
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				<sshPrnamt>38829</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>2133</Sole>
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		<infoTable>
			<nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
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			<cusip>92343V104</cusip>
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				<sshPrnamt>10805</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>10378</Sole>
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			<nameOfIssuer>VIATRIS INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
			<otherManager>2</otherManager>
			<votingAuthority>
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				<None>779</None>
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			<nameOfIssuer>VICTORY PORFOLIOS II</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>276551</Sole>
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			<nameOfIssuer>VICTORY PORFOLIOS II</nameOfIssuer>
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				<sshPrnamt>22426</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>22426</Sole>
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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>
			<nameOfIssuer>VISA INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>4181</Sole>
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		<infoTable>
			<nameOfIssuer>VISA INC</nameOfIssuer>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>50</Sole>
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		<infoTable>
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				<sshPrnamt>440</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>VONTIER CORPORATION</nameOfIssuer>
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				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>479</None>
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		<infoTable>
			<nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
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			<shrsOrPrnAmt>
				<sshPrnamt>14354</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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				<Sole>14073</Sole>
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				<None>281</None>
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		<infoTable>
			<nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
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				<sshPrnamt>216</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>146</Sole>
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				<None>70</None>
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		<infoTable>
			<nameOfIssuer>VULCAN MATLS CO</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>613</sshPrnamt>
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			<investmentDiscretion>OTR</investmentDiscretion>
			<otherManager>1</otherManager>
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				<Sole>613</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
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				<sshPrnamt>9599</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>8787</Sole>
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				<None>812</None>
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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>
			<nameOfIssuer>WALMART INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>3230</None>
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		<infoTable>
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				<sshPrnamt>960</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<votingAuthority>
				<Sole>960</Sole>
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				<None>0</None>
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		<infoTable>
			<nameOfIssuer>WALMART INC</nameOfIssuer>
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			<value>205454</value>
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				<sshPrnamt>1449</sshPrnamt>
				<sshPrnamtType>SH</sshPrnamtType>
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			<investmentDiscretion>OTR</investmentDiscretion>
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				<Sole>1449</Sole>
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		<infoTable>
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				<sshPrnamt>2273</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>2273</None>
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		<infoTable>
			<nameOfIssuer>WARNER BROS DISCOVERY INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<None>1291</None>
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		<infoTable>
			<nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
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				<Sole>29140</Sole>
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		<infoTable>
			<nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
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				<Sole>1391</Sole>
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		<infoTable>
			<nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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			<nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
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				<sshPrnamt>150</sshPrnamt>
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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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			<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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		<infoTable>
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			<investmentDiscretion>OTR</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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		<infoTable>
			<nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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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>
			<nameOfIssuer>WP CAREY INC</nameOfIssuer>
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				<sshPrnamt>6500</sshPrnamt>
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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>
			<nameOfIssuer>XYLEM INC</nameOfIssuer>
			<titleOfClass>COM</titleOfClass>
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				<sshPrnamt>5246</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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				<Sole>5246</Sole>
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		<infoTable>
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				<sshPrnamt>235</sshPrnamt>
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			<investmentDiscretion>DFND</investmentDiscretion>
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		<infoTable>
			<nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
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</SEC-DOCUMENT>
