<SEC-DOCUMENT>0000913760-22-000035.txt : 20220210
<SEC-HEADER>0000913760-22-000035.hdr.sgml : 20220210
<ACCEPTANCE-DATETIME>20220210150654
ACCESSION NUMBER:		0000913760-22-000035
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20211231
FILED AS OF DATE:		20220210
DATE AS OF CHANGE:		20220210
EFFECTIVENESS DATE:		20220210

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			StoneX Group Inc.
		CENTRAL INDEX KEY:			0000913760
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY & COMMODITY BROKERS, DEALERS, EXCHANGES & SERVICES [6200]
		IRS NUMBER:				592921318
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			0930

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-17573
		FILM NUMBER:		22613442

	BUSINESS ADDRESS:	
		STREET 1:		230 PARK AVE
		STREET 2:		10TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10169
		BUSINESS PHONE:		212-485-3500

	MAIL ADDRESS:	
		STREET 1:		230 PARK AVE
		STREET 2:		10TH FLOOR
		CITY:			NEW YORK
		STATE:			NY
		ZIP:			10169

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	INTL FCSTONE INC.
		DATE OF NAME CHANGE:	20110302

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	INTERNATIONAL ASSETS HOLDING CORP
		DATE OF NAME CHANGE:	19931020
</SEC-HEADER>
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<SEQUENCE>1
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      <periodOfReport>12-31-2021</periodOfReport>
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          <ns1:street2>10th Floor</ns1:street2>
          <ns1:city>New York</ns1:city>
          <ns1:stateOrCountry>NY</ns1:stateOrCountry>
          <ns1:zipCode>10169</ns1:zipCode>
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    <signatureBlock>
      <name>John Calvano</name>
      <title>CCO, SA Stone Investment Advisors</title>
      <phone>2054143367</phone>
      <signature>John Calvano</signature>
      <city>Birmingham</city>
      <stateOrCountry>AL</stateOrCountry>
      <signatureDate>02-10-2022</signatureDate>
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      <sshPrnamt>724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>724</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>1023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4947</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>82509L107</cusip>
    <value>4405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>9086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>MID CP GR ALPH</titleOfClass>
    <cusip>33737M102</cusip>
    <value>402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5419</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>1325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5212</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P SMALLCAP 600</titleOfClass>
    <cusip>46138G664</cusip>
    <value>824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6694</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>SR LN ETF</titleOfClass>
    <cusip>46138G508</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>INDLS PROD DUR</titleOfClass>
    <cusip>33734X150</cusip>
    <value>1518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24315</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>INDXX NEXTG ETF</titleOfClass>
    <cusip>33737K205</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>9850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6014</Sole>
      <Shared>0</Shared>
      <None>14677</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19293</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>4369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37573</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SENIOR LN FD</titleOfClass>
    <cusip>33738D309</cusip>
    <value>1711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35709</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>1523</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FIRST TR ENH NEW</titleOfClass>
    <cusip>33739Q408</cusip>
    <value>5773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>96533</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FST LOW OPPT EFT</titleOfClass>
    <cusip>33739Q200</cusip>
    <value>3378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>67578</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US 500 ENH</titleOfClass>
    <cusip>92647N782</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2882</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>WTR ETF</titleOfClass>
    <cusip>33733B100</cusip>
    <value>287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3027</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>2605</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1226</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DWA INDLS MUMT</titleOfClass>
    <cusip>46137V845</cusip>
    <value>1442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12405</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DWA TECHNOLOGY</titleOfClass>
    <cusip>46137V811</cusip>
    <value>916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5515</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>7968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33004</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DWA FINL MUMT</titleOfClass>
    <cusip>46137V860</cusip>
    <value>366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6695</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>2636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>41589</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64110L106</cusip>
    <value>2298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3815</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL</titleOfClass>
    <cusip>46429B697</cusip>
    <value>1083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13393</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DWA CYCLICALS</titleOfClass>
    <cusip>46137V803</cusip>
    <value>978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10710</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>19288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>169070</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460146103</cusip>
    <value>507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10792</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>1705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11006</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GRWT ALLOCAT ETF</titleOfClass>
    <cusip>464289867</cusip>
    <value>328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>1025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16434</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74460D109</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>745</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16859</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
    <cusip>78468R739</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4470</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COMWLTH TR</nameOfIssuer>
    <titleOfClass>NASDAQ COMPSIT</titleOfClass>
    <cusip>315912808</cusip>
    <value>457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7500</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>LG-TERM COR BD</titleOfClass>
    <cusip>92206C813</cusip>
    <value>382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3611</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3611</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>549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8001</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8001</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>MATERIALS ETF</titleOfClass>
    <cusip>92204A801</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1225</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>1225</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL HLT</titleOfClass>
    <cusip>46137V332</cusip>
    <value>306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>955</sshPrnamt>
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      <None>955</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>VEST US BUFFER</titleOfClass>
    <cusip>33740F862</cusip>
    <value>714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18447</sshPrnamt>
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      <Shared>0</Shared>
      <None>18447</None>
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    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>4408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12112</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12112</None>
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    <nameOfIssuer>COHEN &amp; STEERS QUALITY INCOM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>19247L106</cusip>
    <value>184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10085</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>10085</None>
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    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>1178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23073</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23073</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA VALUE</titleOfClass>
    <cusip>46432F388</cusip>
    <value>1693</value>
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      <sshPrnamt>15464</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15464</None>
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  <infoTable>
    <nameOfIssuer>ISHARES U S ETF TR</nameOfIssuer>
    <titleOfClass>INFLATION HEDG</titleOfClass>
    <cusip>46431W580</cusip>
    <value>505</value>
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      <Sole>0</Sole>
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      <None>16506</None>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>2231</value>
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      <sshPrnamt>10410</sshPrnamt>
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      <None>10410</None>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL REL</titleOfClass>
    <cusip>46137V290</cusip>
    <value>226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5346</sshPrnamt>
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      <None>5346</None>
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    <nameOfIssuer>GXO LOGISTICS INCORPORATED</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>36262G101</cusip>
    <value>569</value>
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      <sshPrnamt>6264</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>6264</None>
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  <infoTable>
    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
    <titleOfClass>BLACKSWAN GRWT</titleOfClass>
    <cusip>032108888</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6723</sshPrnamt>
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      <Shared>0</Shared>
      <None>6723</None>
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  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>SPDR TR TACTIC</titleOfClass>
    <cusip>78467V848</cusip>
    <value>1217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25702</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>25702</None>
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    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US LRG CAP</titleOfClass>
    <cusip>92647N865</cusip>
    <value>886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14488</None>
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  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US EQ INCM</titleOfClass>
    <cusip>92647N824</cusip>
    <value>1406</value>
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      <sshPrnamt>20202</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
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      <None>20202</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1962</None>
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  <infoTable>
    <nameOfIssuer>TEKLA HEALTHCARE INVS</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>87911J103</cusip>
    <value>320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13486</None>
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  <infoTable>
    <nameOfIssuer>TIMOTHY PLAN</nameOfIssuer>
    <titleOfClass>INTL ETF</titleOfClass>
    <cusip>887432334</cusip>
    <value>327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11244</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11244</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>PFD ETF</titleOfClass>
    <cusip>46138E511</cusip>
    <value>657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43777</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43777</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ABBVIE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>3008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22213</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22213</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US SMCP HG</titleOfClass>
    <cusip>92647N873</cusip>
    <value>755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12282</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12282</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HUMANA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>444859102</cusip>
    <value>871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1875</None>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>FTSE INT GVT ETF</titleOfClass>
    <cusip>78464A490</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3783</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3783</None>
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  <infoTable>
    <nameOfIssuer>CORNERSTONE TOTAL RETURN FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>21924U300</cusip>
    <value>301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21916</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21916</None>
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    <nameOfIssuer>SPROTT PHYSICAL GOLD TR</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>85207H104</cusip>
    <value>723</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50350</None>
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    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>CBOE EQT BUFER</titleOfClass>
    <cusip>33740F847</cusip>
    <value>760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19488</sshPrnamt>
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      <Shared>0</Shared>
      <None>19488</None>
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  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVE BD ETF</titleOfClass>
    <cusip>72201R775</cusip>
    <value>706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6439</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>6439</None>
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  <infoTable>
    <nameOfIssuer>BARCLAYS BANK PLC</nameOfIssuer>
    <titleOfClass>IPATH SHILR CAPE</titleOfClass>
    <cusip>06742A669</cusip>
    <value>1229</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>53984</None>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>1926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11017</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11017</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>5189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30215</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30215</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>42900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98266</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98266</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LRG CAP ETF</titleOfClass>
    <cusip>808524201</cusip>
    <value>374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3284</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3284</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>2449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11009</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11009</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>247361702</cusip>
    <value>304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7792</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>3313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR DYNAMIC EUROPE EQUI</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33740D107</cusip>
    <value>135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10173</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>1054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>41783</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>1172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7480</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8411</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3940</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BK OF AMERICA CORP</nameOfIssuer>
    <titleOfClass>7.25%CNV PFD L</titleOfClass>
    <cusip>060505682</cusip>
    <value>1131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>773</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>336917109</cusip>
    <value>200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5616</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>US EQT BUFFER</titleOfClass>
    <cusip>33740F763</cusip>
    <value>309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8023</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI WORLD ETF</titleOfClass>
    <cusip>464286392</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1704</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>1063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8024</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>EQUAL WEIGHT US</titleOfClass>
    <cusip>381430438</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3738</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>VIDEO GMNG ESPRT</titleOfClass>
    <cusip>92189F114</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3994</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG CONV</titleOfClass>
    <cusip>78464A359</cusip>
    <value>509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6132</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>AEROSPACE DEF</titleOfClass>
    <cusip>78464A631</cusip>
    <value>673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5777</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP GR ETF</titleOfClass>
    <cusip>808524300</cusip>
    <value>805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4913</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI EURZONE ETF</titleOfClass>
    <cusip>464286608</cusip>
    <value>4433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>90000</Sole>
      <Shared>0</Shared>
      <None>442</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>2487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15206</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>TECH ALPHADEX</titleOfClass>
    <cusip>33734X176</cusip>
    <value>537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4069</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS INTL HG DV</titleOfClass>
    <cusip>92647N881</cusip>
    <value>549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17012</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>030420103</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>2026</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DWA HEALTHCARE</titleOfClass>
    <cusip>46137V852</cusip>
    <value>289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1864</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P HOMEBUILD</titleOfClass>
    <cusip>78464A888</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2566</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>2082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
    <titleOfClass>PERP PFD CNV A</titleOfClass>
    <cusip>949746804</cusip>
    <value>1363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>915</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1 10 Y</titleOfClass>
    <cusip>78468R861</cusip>
    <value>268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12670</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>10081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>2066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18663</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2988</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT</titleOfClass>
    <cusip>46432F339</cusip>
    <value>729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5007</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6038</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI GBL MIN VOL</titleOfClass>
    <cusip>464286525</cusip>
    <value>466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4305</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>SML CP GRW ALP</titleOfClass>
    <cusip>33737M300</cusip>
    <value>327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4381</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7272</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHORT TREAS BD</titleOfClass>
    <cusip>464288679</cusip>
    <value>473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>4184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>INSTL PFD SECS</titleOfClass>
    <cusip>33739P855</cusip>
    <value>865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-INDS</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>9847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>93059</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>80105N105</cusip>
    <value>521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>8994</Sole>
      <Shared>0</Shared>
      <None>1410</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
    <titleOfClass>QUALT DIVD IDX</titleOfClass>
    <cusip>33939L860</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3433</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWR MSCI USA</titleOfClass>
    <cusip>46435G425</cusip>
    <value>3160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29286</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BCE INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>05534B760</cusip>
    <value>405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>104</Sole>
      <Shared>0</Shared>
      <None>7574</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SIMPLIFY EXCHANGE TRADED FUN</nameOfIssuer>
    <titleOfClass>US EQT PLS DWNSD</titleOfClass>
    <cusip>82889N202</cusip>
    <value>346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10415</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF</titleOfClass>
    <cusip>46429B663</cusip>
    <value>798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
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      <None>7901</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DWA MOMENTUM</titleOfClass>
    <cusip>46137V837</cusip>
    <value>340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Shared>0</Shared>
      <None>3600</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
    <cusip>464287887</cusip>
    <value>348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2504</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP VA ETF</titleOfClass>
    <cusip>808524409</cusip>
    <value>716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9781</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
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      <None>9781</None>
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  <infoTable>
    <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>829</None>
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  <infoTable>
    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>219350105</cusip>
    <value>586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15744</None>
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  <infoTable>
    <nameOfIssuer>NORTHERN LTS FD TR IV</nameOfIssuer>
    <titleOfClass>INSPIRE CORP</titleOfClass>
    <cusip>66538H633</cusip>
    <value>1087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42220</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42220</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NASDAQ BK ETF</titleOfClass>
    <cusip>33738R860</cusip>
    <value>543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
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      <None>16522</None>
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  <infoTable>
    <nameOfIssuer>LIVENT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>53814L108</cusip>
    <value>565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23160</None>
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  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>BLACKSTONE SENR</titleOfClass>
    <cusip>78467V608</cusip>
    <value>468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10261</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>10261</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>3386</None>
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  <infoTable>
    <nameOfIssuer>TEKLA HEALTHCARE OPPORTUNITI</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>879105104</cusip>
    <value>552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>21529</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>13566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6</Sole>
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      <None>118467</None>
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  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>2347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>16156</None>
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  <infoTable>
    <nameOfIssuer>DNP SELECT INCOME FD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23325P104</cusip>
    <value>1161</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106203</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>106203</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2426</sshPrnamt>
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      <None>2426</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>LITHIUM BTRY ETF</titleOfClass>
    <cusip>37954Y855</cusip>
    <value>938</value>
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      <None>11087</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>SWITZLND ALPHA</titleOfClass>
    <cusip>33737J232</cusip>
    <value>312</value>
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      <None>4371</None>
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    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>DORSEY WRT 5 ETF</titleOfClass>
    <cusip>33738R605</cusip>
    <value>549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11160</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>11160</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. BAS MTL ETF</titleOfClass>
    <cusip>464287838</cusip>
    <value>292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>2086</None>
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  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
    <titleOfClass>NAS100 EQL WGT</titleOfClass>
    <cusip>25459Y207</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>2486</None>
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  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL SILVER TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>85207K107</cusip>
    <value>184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>22900</None>
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    <nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09260D107</cusip>
    <value>2632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20344</sshPrnamt>
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      <None>20344</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT</titleOfClass>
    <cusip>46434G103</cusip>
    <value>5143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>85920</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <None>1718</None>
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  <infoTable>
    <nameOfIssuer>ZOMEDICA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98980M109</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>20000</None>
    </votingAuthority>
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    <nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>012653101</cusip>
    <value>373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1593</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES U S ETF TR</nameOfIssuer>
    <titleOfClass>INT RT HDG C B</titleOfClass>
    <cusip>46431W705</cusip>
    <value>266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <None>2778</None>
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  <infoTable>
    <nameOfIssuer>NORTHERN LTS FD TR IV</nameOfIssuer>
    <titleOfClass>INSPIRE 100ETF</titleOfClass>
    <cusip>66538H534</cusip>
    <value>1218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30932</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6665</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>191216100</cusip>
    <value>1009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>29</Sole>
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      <None>17004</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>37733W105</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5723</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>98978V103</cusip>
    <value>314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>27</Sole>
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      <None>1259</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18289</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL A</titleOfClass>
    <cusip>02079K305</cusip>
    <value>2321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>801</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL C</titleOfClass>
    <cusip>02079K107</cusip>
    <value>1429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4</Sole>
      <Shared>0</Shared>
      <None>490</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US AER DEF ETF</titleOfClass>
    <cusip>464288760</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3023</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91332U101</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
    <cusip>92189F643</cusip>
    <value>2364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31062</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US BRD MKT ETF</titleOfClass>
    <cusip>808524102</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1948</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>UNIT KING ALPH</titleOfClass>
    <cusip>33737J224</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5057</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWO RDS SHARED TR</nameOfIssuer>
    <titleOfClass>LDRSHS ALPFACT</titleOfClass>
    <cusip>90214Q774</cusip>
    <value>356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10163</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
    <titleOfClass>VG TL INTL STK F</titleOfClass>
    <cusip>921909768</cusip>
    <value>1786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28090</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MULTIFT</titleOfClass>
    <cusip>46434V282</cusip>
    <value>1866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40086</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DYNMC SEMICNDT</titleOfClass>
    <cusip>46137V647</cusip>
    <value>345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2246</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIO INC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>62914V106</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7671</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF</titleOfClass>
    <cusip>46429B655</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>1474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5029</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>EURO ALPHADEX</titleOfClass>
    <cusip>33737J505</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5394</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5394</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>ENERGY ALPHADX</titleOfClass>
    <cusip>33734X127</cusip>
    <value>245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20544</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>GERMANY ALPHA</titleOfClass>
    <cusip>33737J190</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4907</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JANUS DETROIT STR TR</nameOfIssuer>
    <titleOfClass>HENDRSON AAA CL</titleOfClass>
    <cusip>47103U845</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5291</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD</titleOfClass>
    <cusip>464287457</cusip>
    <value>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3602</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INFOSYS LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>456788108</cusip>
    <value>1241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49045</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMOTHY PLAN</nameOfIssuer>
    <titleOfClass>HIG DV STK ETF</titleOfClass>
    <cusip>887432326</cusip>
    <value>897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27586</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>HLTH CARE ALPH</titleOfClass>
    <cusip>33734X143</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1728</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>277432100</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1811</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
    <cusip>464288646</cusip>
    <value>709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLOCK INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>852234103</cusip>
    <value>1862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11528</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTELLIA THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45826J105</cusip>
    <value>985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8330</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>INDIA NFTY50 EQW</titleOfClass>
    <cusip>33737J802</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4584</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TERADATA CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88076W103</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4947</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>INNOVATION ETF</titleOfClass>
    <cusip>00214Q104</cusip>
    <value>6705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70796</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SMID RISNG ETF</titleOfClass>
    <cusip>33741X102</cusip>
    <value>603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19896</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>CBOE VEST US EQ</titleOfClass>
    <cusip>33740F755</cusip>
    <value>1770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>73639</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>2056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20075</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC</titleOfClass>
    <cusip>464288802</cusip>
    <value>351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3305</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REAVES UTIL INCOME FD</nameOfIssuer>
    <titleOfClass>COM SH BEN INT</titleOfClass>
    <cusip>756158101</cusip>
    <value>1153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32657</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2017</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMOTHY PLAN</nameOfIssuer>
    <titleOfClass>US LRGMD CP CORE</titleOfClass>
    <cusip>887432359</cusip>
    <value>717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18512</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18512</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>13669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>78616</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>728</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
    <titleOfClass>COM UT LTD PTN</titleOfClass>
    <cusip>29273V100</cusip>
    <value>348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42232</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>LOW DUR STRTGC</titleOfClass>
    <cusip>33740F870</cusip>
    <value>3072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>153504</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBSPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>443573100</cusip>
    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>326</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>B2GOLD CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11777Q209</cusip>
    <value>488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>124150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>760759100</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>1504</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE PACIFIC ETF</titleOfClass>
    <cusip>922042866</cusip>
    <value>275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3531</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>12388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>110497</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24901</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>1466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29029</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONMOUTH REAL ESTATE INVT CO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>609720107</cusip>
    <value>362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>371</Sole>
      <Shared>0</Shared>
      <None>16851</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1094</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>1404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15631</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6844</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>US EQTY OPPT ETF</titleOfClass>
    <cusip>336920103</cusip>
    <value>446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3639</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1983</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1983</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>RUSL 1000 DYNM</titleOfClass>
    <cusip>46138J619</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4603</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4603</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE TX ADV GLBL DIV</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828S101</cusip>
    <value>1753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>77129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDPILOT US BD</titleOfClass>
    <cusip>69374H642</cusip>
    <value>1013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
    <cusip>78464A409</cusip>
    <value>287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3958</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE MIN VL</titleOfClass>
    <cusip>46429B689</cusip>
    <value>799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10413</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1258</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>8732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34273</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1737</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL GOLD &amp; SILVE</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>85208R101</cusip>
    <value>427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>22050</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>852</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3915</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWO RDS SHARED TR</nameOfIssuer>
    <titleOfClass>LEASERSHS ALPHAF</titleOfClass>
    <cusip>90214Q691</cusip>
    <value>387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10861</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
    <value>863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>11537</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC</nameOfIssuer>
    <titleOfClass>SHS USD</titleOfClass>
    <cusip>G8473T100</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>289</Sole>
      <Shared>0</Shared>
      <None>541</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>DEFIANCE QUANT</titleOfClass>
    <cusip>26922A420</cusip>
    <value>418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7483</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>1602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43925</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI GERMANY ETF</titleOfClass>
    <cusip>464286806</cusip>
    <value>1641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>50000</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ENHAN SHRT MA AC</titleOfClass>
    <cusip>72201R833</cusip>
    <value>568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5595</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC22 ETF</titleOfClass>
    <cusip>46434VBA7</cusip>
    <value>3015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>119913</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MBS ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5795</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5795</None>
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  <infoTable>
    <nameOfIssuer>MAG SILVER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>55903Q104</cusip>
    <value>290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18503</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18503</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1028</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>1027</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>666807102</cusip>
    <value>401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1037</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SILVERCREST METALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>828363101</cusip>
    <value>329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41570</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>41570</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA GRWTH IND</titleOfClass>
    <cusip>921910816</cusip>
    <value>1395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5350</None>
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  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADR B</titleOfClass>
    <cusip>780259107</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>7193</Sole>
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      <None>1040</None>
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    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>US INFR DEV ETF</titleOfClass>
    <cusip>37954Y673</cusip>
    <value>695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
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      <None>24048</None>
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    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3587</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3587</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>1964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37806</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23675</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVEBETA INT</titleOfClass>
    <cusip>381430107</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6577</None>
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  <infoTable>
    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
    <titleOfClass>PRIME CYBR SCRTY</titleOfClass>
    <cusip>26924G201</cusip>
    <value>573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9320</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2354</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
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      <None>2354</None>
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  <infoTable>
    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>231021106</cusip>
    <value>663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>3037</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29250N105</cusip>
    <value>281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7184</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3477</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03027X100</cusip>
    <value>645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>2179</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>049560105</cusip>
    <value>433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4129</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1114</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE DIV GRWTH</titleOfClass>
    <cusip>46434V621</cusip>
    <value>1136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20431</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI HLTH CARE I</titleOfClass>
    <cusip>316092600</cusip>
    <value>8337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>121429</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FT CBOE VEST S&amp;P</titleOfClass>
    <cusip>33739Q705</cusip>
    <value>3247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56754</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>512807108</cusip>
    <value>362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>502</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>RBTCS ARTFL INTE</titleOfClass>
    <cusip>37954Y715</cusip>
    <value>467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12988</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9082</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDP US LAR CP</titleOfClass>
    <cusip>69374H105</cusip>
    <value>760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18296</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INSTEEL INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45774W108</cusip>
    <value>950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23869</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G29183103</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1303</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TWO RDS SHARED TR</nameOfIssuer>
    <titleOfClass>LEADERSHS ACTIVI</titleOfClass>
    <cusip>90214Q717</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5527</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>LUNT LRGCP MULTI</titleOfClass>
    <cusip>69374H816</cusip>
    <value>1463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34889</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI EMERG MRKT</titleOfClass>
    <cusip>464286533</cusip>
    <value>264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4205</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3708</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN S&amp;P 500 BUY-WRITE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>6706ER101</cusip>
    <value>914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>62373</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD</nameOfIssuer>
    <titleOfClass>SPONSORD ADS</titleOfClass>
    <cusip>81141R100</cusip>
    <value>1311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5862</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2698</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO EMG MK</titleOfClass>
    <cusip>78463X509</cusip>
    <value>963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23201</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23201</None>
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  <infoTable>
    <nameOfIssuer>TRINSEO PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G9059U107</cusip>
    <value>761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14504</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 DV ARIST</titleOfClass>
    <cusip>74348A467</cusip>
    <value>416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4240</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>431</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
    <value>1262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4883</None>
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  <infoTable>
    <nameOfIssuer>CROCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>227046109</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1775</None>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>SEMICONDUCTR ETF</titleOfClass>
    <cusip>92189F676</cusip>
    <value>470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1522</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6968</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>699</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>9293</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682680103</cusip>
    <value>462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7865</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>VAR RATE PFD</titleOfClass>
    <cusip>46138G870</cusip>
    <value>309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11906</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2551</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. MED DVC ETF</titleOfClass>
    <cusip>464288810</cusip>
    <value>1133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17204</None>
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  <infoTable>
    <nameOfIssuer>AIRBNB INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>009066101</cusip>
    <value>452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2716</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025537101</cusip>
    <value>332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3736</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>1406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12199</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRESENIUS MED CARE AG&amp;CO KGA</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>358029106</cusip>
    <value>294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>8580</Sole>
      <Shared>0</Shared>
      <None>475</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>1270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4507</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NASDAQ TRANSN</titleOfClass>
    <cusip>33738R795</cusip>
    <value>708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20486</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>1356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17198</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ETSY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29786A106</cusip>
    <value>388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>33</Sole>
      <Shared>0</Shared>
      <None>1741</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2473</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>CLOUD COMPUTNG</titleOfClass>
    <cusip>97717Y691</cusip>
    <value>368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7092</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1866</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>832696405</cusip>
    <value>326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2397</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>7</Sole>
      <Shared>0</Shared>
      <None>3853</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>FINLS ALPHADEX</titleOfClass>
    <cusip>33734X135</cusip>
    <value>707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15273</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>3995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3780</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TWO RDS SHARED TR</nameOfIssuer>
    <titleOfClass>LEADERSHARES EQT</titleOfClass>
    <cusip>90214Q683</cusip>
    <value>273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7763</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL HIGH ETF</titleOfClass>
    <cusip>921946794</cusip>
    <value>4887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>72758</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>CLOUD COMPUTING</titleOfClass>
    <cusip>33734X192</cusip>
    <value>1271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR MID CAP CORE ALPHAD</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735B108</cusip>
    <value>418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4067</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>CONSUM STP ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NASDQ OIL GAS</titleOfClass>
    <cusip>33738R845</cusip>
    <value>895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46040</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF</titleOfClass>
    <cusip>464288885</cusip>
    <value>1474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13352</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>CONSUMR DISCRE</titleOfClass>
    <cusip>33734X101</cusip>
    <value>1152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18563</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US TREAS BD ETF</titleOfClass>
    <cusip>46429B267</cusip>
    <value>1113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>41717</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1558</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287739</cusip>
    <value>2279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19626</sshPrnamt>
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      <Shared>0</Shared>
      <None>19626</None>
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  <infoTable>
    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>ARK SPACE EXPL</titleOfClass>
    <cusip>00214Q807</cusip>
    <value>326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17272</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
      <None>17272</None>
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    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NAS CLNEDG GREEN</titleOfClass>
    <cusip>33733E500</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3345</sshPrnamt>
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      <None>3345</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>NASDAQ CYB ETF</titleOfClass>
    <cusip>33734X846</cusip>
    <value>699</value>
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      <sshPrnamt>13240</sshPrnamt>
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      <None>13240</None>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>395</value>
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      <sshPrnamt>17985</sshPrnamt>
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      <None>17985</None>
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  <infoTable>
    <nameOfIssuer>VIR BIOTECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92764N102</cusip>
    <value>712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17001</sshPrnamt>
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      <None>17001</None>
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  <infoTable>
    <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
    <value>906</value>
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      <sshPrnamt>990</sshPrnamt>
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      <None>990</None>
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    <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>69608A108</cusip>
    <value>206</value>
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      <sshPrnamt>11306</sshPrnamt>
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      <None>10306</None>
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    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH</titleOfClass>
    <cusip>78464A870</cusip>
    <value>810</value>
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      <sshPrnamt>7232</sshPrnamt>
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      <None>7232</None>
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    <nameOfIssuer>ALKALINE WTR CO INC</nameOfIssuer>
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    <cusip>01643A207</cusip>
    <value>33</value>
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      <sshPrnamt>27687</sshPrnamt>
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      <Sole>26937</Sole>
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      <None>750</None>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>ESG AWR MSCI EM</titleOfClass>
    <cusip>46434G863</cusip>
    <value>647</value>
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      <sshPrnamt>16278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>16278</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>14901</value>
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      <sshPrnamt>52639</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>52639</None>
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    <nameOfIssuer>FRANKLIN LTD DURATION INCOME</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35472T101</cusip>
    <value>171</value>
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      <sshPrnamt>18645</sshPrnamt>
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      <None>18645</None>
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    <nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
    <value>1591</value>
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      <None>5759</None>
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    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
    <cusip>33738R506</cusip>
    <value>4227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81609</sshPrnamt>
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      <None>81609</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6493</sshPrnamt>
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      <None>6493</None>
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    <nameOfIssuer>ESSENTIAL UTILS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29670G102</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5422</sshPrnamt>
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      <None>5422</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF</titleOfClass>
    <cusip>464288448</cusip>
    <value>305</value>
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      <sshPrnamt>9771</sshPrnamt>
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      <None>9771</None>
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    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>324</value>
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      <sshPrnamt>1209</sshPrnamt>
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      <None>1209</None>
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    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NASD TECH DIV</titleOfClass>
    <cusip>33738R118</cusip>
    <value>953</value>
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      <None>15165</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287150</cusip>
    <value>3041</value>
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      <None>28430</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL TECH ETF</titleOfClass>
    <cusip>464287291</cusip>
    <value>356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5522</sshPrnamt>
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      <None>5522</None>
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    <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
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    <cusip>88339J105</cusip>
    <value>440</value>
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      <sshPrnamt>4796</sshPrnamt>
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      <None>4796</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287796</cusip>
    <value>414</value>
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      <sshPrnamt>13762</sshPrnamt>
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      <None>13762</None>
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    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
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    <cusip>26922A784</cusip>
    <value>1420</value>
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      <sshPrnamt>32841</sshPrnamt>
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    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
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    <cusip>921937835</cusip>
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  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>844741108</cusip>
    <value>224</value>
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      <sshPrnamt>5226</sshPrnamt>
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      <None>5226</None>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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    <cusip>30303M102</cusip>
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      <None>4896</None>
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    <nameOfIssuer>OKTA INC</nameOfIssuer>
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    <cusip>679295105</cusip>
    <value>224</value>
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      <None>974</None>
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    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>ICE PFD SEC ETF</titleOfClass>
    <cusip>78464A292</cusip>
    <value>242</value>
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      <sshPrnamt>5636</sshPrnamt>
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      <None>5636</None>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>805</value>
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      <sshPrnamt>1206</sshPrnamt>
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      <None>1206</None>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>671</value>
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      <sshPrnamt>7190</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>7190</None>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>2125</value>
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      <sshPrnamt>3194</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>3194</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US BR DEL SE ETF</titleOfClass>
    <cusip>464288794</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1861</sshPrnamt>
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      <None>1861</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP GRW</titleOfClass>
    <cusip>464288307</cusip>
    <value>527</value>
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      <sshPrnamt>7197</sshPrnamt>
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      <None>7197</None>
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  <infoTable>
    <nameOfIssuer>DISCOVERY INC</nameOfIssuer>
    <titleOfClass>COM SER A</titleOfClass>
    <cusip>25470F104</cusip>
    <value>294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>12497</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4932</sshPrnamt>
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      <None>4932</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL FINLS ETF</titleOfClass>
    <cusip>464287333</cusip>
    <value>425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
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    <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
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    <cusip>464287309</cusip>
    <value>4139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49470</sshPrnamt>
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    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49470</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17403</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX 5YR TRGT</titleOfClass>
    <cusip>33939L605</cusip>
    <value>338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12037</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP VAL ETF</titleOfClass>
    <cusip>921910840</cusip>
    <value>834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7800</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6488</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G8060N102</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>910</Sole>
      <Shared>0</Shared>
      <None>3234</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
    <value>752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5224</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>1671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27264</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>3263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>38</Sole>
      <Shared>0</Shared>
      <None>7825</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
    <titleOfClass>SHS CLASS A</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>1814</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4827</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWDSTRIKE HLDGS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>22788C105</cusip>
    <value>1662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
    <titleOfClass>ISHARES</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45905</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10132</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOYD GAMING CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>103304101</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3538</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>1405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18171</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>AUTNMUS TECHNLGY</titleOfClass>
    <cusip>00214Q203</cusip>
    <value>591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7675</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15055</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>3472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18989</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>1604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>9</Sole>
      <Shared>0</Shared>
      <None>26209</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KINGSOFT CLOUD HLDGS LTD</nameOfIssuer>
    <titleOfClass>ADS</titleOfClass>
    <cusip>49639K101</cusip>
    <value>275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17438</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1461</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
    <cusip>78464A839</cusip>
    <value>549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7720</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>2609</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3309</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI TOTAL</titleOfClass>
    <cusip>46432F834</cusip>
    <value>2153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>2049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34708</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>2423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20647</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6544</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10007</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11503</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCE CAP GREENWICH FD</nameOfIssuer>
    <titleOfClass>IPO ETF</titleOfClass>
    <cusip>759937204</cusip>
    <value>317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5481</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>493267108</cusip>
    <value>415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17926</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14010</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>2405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35063</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>654106103</cusip>
    <value>659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3953</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>235851102</cusip>
    <value>684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2078</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>FINTECH INNOVA</titleOfClass>
    <cusip>00214Q708</cusip>
    <value>531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO AGRGTE</titleOfClass>
    <cusip>78464A649</cusip>
    <value>364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12296</None>
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  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744320102</cusip>
    <value>583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5382</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
    <titleOfClass>FST TR GLB FD</titleOfClass>
    <cusip>33739H101</cusip>
    <value>424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18387</None>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9841</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE TOTAL USD</titleOfClass>
    <cusip>46434V613</cusip>
    <value>1513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28577</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>3247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20505</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WATSCO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>942622200</cusip>
    <value>266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>851</None>
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  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>743315103</cusip>
    <value>421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4101</None>
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  <infoTable>
    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>GENOMIC REV ETF</titleOfClass>
    <cusip>00214Q302</cusip>
    <value>601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9813</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9813</None>
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  <infoTable>
    <nameOfIssuer>DOCUSIGN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256163106</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1381</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>2339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>7810</None>
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  <infoTable>
    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>617446448</cusip>
    <value>911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>9270</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>4737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16106</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4403</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>055622104</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>7526</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2993</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>949746101</cusip>
    <value>683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14236</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9744</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>002824100</cusip>
    <value>898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6379</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>1564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>63</Sole>
      <Shared>0</Shared>
      <None>5772</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>1100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8233</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MODERNA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>60770K107</cusip>
    <value>296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1164</None>
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  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1995</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>20030N101</cusip>
    <value>994</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>448</Sole>
      <Shared>0</Shared>
      <None>19296</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3257</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>16920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>125</Sole>
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      <None>74741</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4236</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>1202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5546</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PPL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69351T106</cusip>
    <value>575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>18854</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINNACLE WEST CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>723484101</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3442</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>1351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13101</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3194</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3910</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEWAGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>650194103</cusip>
    <value>169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>164250</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3509</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US CONSM STAPLES</titleOfClass>
    <cusip>464287812</cusip>
    <value>1588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7934</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>MLT MNGD LRG GRW</titleOfClass>
    <cusip>33740F789</cusip>
    <value>3830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141024</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>141024</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CITIZENS FINL GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>174610105</cusip>
    <value>276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5850</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELADOC HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87918A105</cusip>
    <value>280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3048</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP INDEX</titleOfClass>
    <cusip>921910873</cusip>
    <value>15006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>89279</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>2920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17071</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
    <cusip>78464A300</cusip>
    <value>1787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21088</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>17589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>104740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>TCW UNCONSTRAI</titleOfClass>
    <cusip>33740F888</cusip>
    <value>560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21231</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UPSTART HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91680M107</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2342</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4649</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>22657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>160815</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BK OF AMERICA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
    <value>1021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22941</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI UK ETF NEW</titleOfClass>
    <cusip>46435G334</cusip>
    <value>3430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>50000</Sole>
      <Shared>0</Shared>
      <None>53505</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES U S ETF TR</nameOfIssuer>
    <titleOfClass>GSCI CMDTY STGY</titleOfClass>
    <cusip>46431W853</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>DEV MRK EX US</titleOfClass>
    <cusip>33737J174</cusip>
    <value>356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5870</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>337344105</cusip>
    <value>333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2811</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670346105</cusip>
    <value>338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2946</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02209S103</cusip>
    <value>451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9340</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>EMERG MKT ALPH</titleOfClass>
    <cusip>33737J182</cusip>
    <value>1415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54217</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
    <titleOfClass>BLOCKCHAIN LDR</titleOfClass>
    <cusip>032108607</cusip>
    <value>444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10559</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>MNGD FUTRS STRGY</titleOfClass>
    <cusip>33739G103</cusip>
    <value>788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17349</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
    <titleOfClass>ALT ABSLT STRG</titleOfClass>
    <cusip>33740Y101</cusip>
    <value>985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34248</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>EUROPE ALPHADEX</titleOfClass>
    <cusip>33737J117</cusip>
    <value>1525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35399</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>HIGH YLD MUNIETF</titleOfClass>
    <cusip>92189H409</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3244</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>2708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30906</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>INTL EQUITY OPP</titleOfClass>
    <cusip>33734X853</cusip>
    <value>700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
    <titleOfClass>FALLEN KNIVES</titleOfClass>
    <cusip>25460G757</cusip>
    <value>1098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OSI ETF TR</nameOfIssuer>
    <titleOfClass>OSHS GBL INTER</titleOfClass>
    <cusip>67110P704</cusip>
    <value>1212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24628</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>DEFIANCE NEXT</titleOfClass>
    <cusip>26922A289</cusip>
    <value>2668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>63934</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF</titleOfClass>
    <cusip>46434V647</cusip>
    <value>420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>13686</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI INTL</titleOfClass>
    <cusip>46435G326</cusip>
    <value>4970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>73479</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>DEFIANCE HTL AIR</titleOfClass>
    <cusip>26922B873</cusip>
    <value>3250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>153017</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>MULTI ASSET DI</titleOfClass>
    <cusip>33738R100</cusip>
    <value>4669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>281340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>281340</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVISORSHARES TR</nameOfIssuer>
    <titleOfClass>NEWFLT MULSINC</titleOfClass>
    <cusip>00768Y727</cusip>
    <value>422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8728</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE BEACHBODY COMPANY INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>073463101</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>11905</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLD STD VENTURES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>380738104</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>20877</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARMONY GOLD MINING CO LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>413216300</cusip>
    <value>139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>33922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI FRANCE ETF</titleOfClass>
    <cusip>464286707</cusip>
    <value>1944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>50000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI SWITZERLAND</titleOfClass>
    <cusip>464286749</cusip>
    <value>3164</value>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI PERU ETF</titleOfClass>
    <cusip>464289842</cusip>
    <value>1568</value>
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      <sshPrnamt>52929</sshPrnamt>
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      <Sole>52929</Sole>
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    <nameOfIssuer>9 METERS BIOPHARMA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>654405109</cusip>
    <value>20</value>
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      <sshPrnamt>20000</sshPrnamt>
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      <Sole>20000</Sole>
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    <nameOfIssuer>ADVANCED HUMAN IMAGING LTD</nameOfIssuer>
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    <cusip>00777C104</cusip>
    <value>120</value>
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    <nameOfIssuer>AMBEV SA</nameOfIssuer>
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    <cusip>02319V103</cusip>
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    <nameOfIssuer>AMERICA MOVIL SAB DE CV</nameOfIssuer>
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    <value>211</value>
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    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>05946K101</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>68397</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>05964H105</cusip>
    <value>80</value>
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      <sshPrnamt>24402</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>BANCO SANTANDER BRASIL S A</nameOfIssuer>
    <titleOfClass>ADS REP 1 UNIT</titleOfClass>
    <cusip>05967A107</cusip>
    <value>324</value>
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    <otherManager>2</otherManager>
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      <Sole>60352</Sole>
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      <None>0</None>
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    <nameOfIssuer>CEMENTOS PACASMAYO S A A</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>15126Q208</cusip>
    <value>221</value>
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      <sshPrnamt>35514</sshPrnamt>
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    <nameOfIssuer>DASEKE INC</nameOfIssuer>
    <titleOfClass>*W EXP 02/27/202</titleOfClass>
    <cusip>23753F115</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>10000</Sole>
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    <nameOfIssuer>ENI S P A</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>26874R108</cusip>
    <value>566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20462</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>20462</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENEL CHILE S.A.</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>29278D105</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31238</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>31238</Sole>
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      <None>0</None>
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    <nameOfIssuer>4D PHARMA PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>35085K109</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15896</sshPrnamt>
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    <otherManager>2</otherManager>
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      <Sole>15896</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>FUTURE</titleOfClass>
    <cusip>38149W796</cusip>
    <value>3266</value>
    <shrsOrPrnAmt>
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    <cusip>38149W820</cusip>
    <value>3359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55294</sshPrnamt>
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      <Sole>55294</Sole>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI LW CRB TG</titleOfClass>
    <cusip>46434V464</cusip>
    <value>1915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11006</sshPrnamt>
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    <nameOfIssuer>PLDT INC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>69344D408</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>PINTEC TECHNOLOGY HLDGS LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>72352G107</cusip>
    <value>5</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>11267</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRUDENTIAL PLC</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>74435K204</cusip>
    <value>13473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>391307</sshPrnamt>
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    <otherManager>2</otherManager>
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      <Sole>391307</Sole>
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      <None>0</None>
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    <nameOfIssuer>SRAX INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>78472M106</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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    <nameOfIssuer>ZOSANO PHARMA CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>98979H202</cusip>
    <value>34</value>
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      <sshPrnamt>73144</sshPrnamt>
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    <nameOfIssuer>WEJO GROUP LIMITED</nameOfIssuer>
    <titleOfClass>*W EXP 11/18/202</titleOfClass>
    <cusip>G9525W117</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31400</sshPrnamt>
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    <otherManager>2</otherManager>
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    <titleOfClass>SHS</titleOfClass>
    <cusip>M53213100</cusip>
    <value>234</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>24173</Sole>
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      <None>0</None>
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    <nameOfIssuer>RISKIFIED LTD</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>M8216R109</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10019</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10019</Sole>
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      <None>0</None>
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</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
