<SEC-DOCUMENT>0000913760-25-000092.txt : 20250515
<SEC-HEADER>0000913760-25-000092.hdr.sgml : 20250515
<ACCEPTANCE-DATETIME>20250515122803
ACCESSION NUMBER:		0000913760-25-000092
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250331
FILED AS OF DATE:		20250515
DATE AS OF CHANGE:		20250515
EFFECTIVENESS DATE:		20250515

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			StoneX Group Inc.
		CENTRAL INDEX KEY:			0000913760
		STANDARD INDUSTRIAL CLASSIFICATION:	SECURITY & COMMODITY BROKERS, DEALERS, EXCHANGES & SERVICES [6200]
		ORGANIZATION NAME:           	09 Crypto Assets
		EIN:				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:		25950630

	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
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    <cusip>06367V600</cusip>
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    <nameOfIssuer>NEWBURY STR II ACQUISITION C</nameOfIssuer>
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    <cusip>G6439S117</cusip>
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    <cusip>23834J110</cusip>
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    <cusip>G6375R115</cusip>
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    <cusip>36465A109</cusip>
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    <nameOfIssuer>ORIGIN MATERIALS INC</nameOfIssuer>
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    <cusip>G5501C117</cusip>
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    <votingAuthority>
      <Sole>35125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALLBOX NV</nameOfIssuer>
    <titleOfClass>*W EXP 10/01/202</titleOfClass>
    <cusip>N94209116</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>35237</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIDAL TR II</nameOfIssuer>
    <titleOfClass>DEFIANCE DT 2X S</titleOfClass>
    <cusip>88636R115</cusip>
    <value>167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>40945</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVISORSHARES TR</nameOfIssuer>
    <titleOfClass>PURE US CANNABIS</titleOfClass>
    <cusip>00768Y453</cusip>
    <value>121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>45951</Sole>
      <Shared>0</Shared>
      <None>550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FARADAY FUTURE INTLGT ELEC I</nameOfIssuer>
    <titleOfClass>*W EXP 07/21/202</titleOfClass>
    <cusip>307359117</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>49656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIORESTORATIVE THERAPIES INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>090655606</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1092</Sole>
      <Shared>0</Shared>
      <None>50100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISCALNOTE HOLDINGS INC</nameOfIssuer>
    <titleOfClass>*W EXP 07/29/202</titleOfClass>
    <cusip>337655112</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>55048</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIH HLDG US INC</nameOfIssuer>
    <titleOfClass>*W EXP 04/20/202</titleOfClass>
    <cusip>23290B114</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>76453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONEYHERO LIMITED</nameOfIssuer>
    <titleOfClass>*W EXP 09/13/202</titleOfClass>
    <cusip>G6202B119</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>84178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OUSTER INC</nameOfIssuer>
    <titleOfClass>*W EXP 03/11/202</titleOfClass>
    <cusip>68989M111</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>86999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VOLATILITY SHS TR</nameOfIssuer>
    <titleOfClass>2X ETHER ETF</titleOfClass>
    <cusip>92864M400</cusip>
    <value>176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>95863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSP RECOVERY INC</nameOfIssuer>
    <titleOfClass>*W EXP 05/20/202</titleOfClass>
    <cusip>553745126</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>98917</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LANVIN GROUP HOLDINGS LIMITE</nameOfIssuer>
    <titleOfClass>*W EXP 01/14/202</titleOfClass>
    <cusip>G5380J118</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>104045</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELA TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>6% CONV PFD SR B</titleOfClass>
    <cusip>30162V607</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>112231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSTEM1 INC</nameOfIssuer>
    <titleOfClass>*W EXP 01/27/202</titleOfClass>
    <cusip>87200P117</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>225806</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>P3 HEALTH PARTNERS INC</nameOfIssuer>
    <titleOfClass>*W EXP 11/19/202</titleOfClass>
    <cusip>744413113</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>283650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAYSTUDIOS INC</nameOfIssuer>
    <titleOfClass>*W EXP 99/99/999</titleOfClass>
    <cusip>72815G116</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>659913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>659913</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN FLOATING RATE INCOME</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67072T108</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>531</Sole>
      <Shared>0</Shared>
      <None>23861</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST US SMALL</titleOfClass>
    <cusip>33740F292</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>9800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUN INCOME TR</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>09248F109</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21207</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE FLTING RATE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278279104</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>995</Sole>
      <Shared>0</Shared>
      <None>16496</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST NASD 100</titleOfClass>
    <cusip>33740F151</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11355</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST NASD 100</titleOfClass>
    <cusip>33740U513</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EA SERIES TRUST</nameOfIssuer>
    <titleOfClass>EA BRIDGEWAY OMN</titleOfClass>
    <cusip>02072L532</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>11529</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANK MONTREAL MEDIUM</nameOfIssuer>
    <titleOfClass>CALL LKD 41</titleOfClass>
    <cusip>06368L205</cusip>
    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>17949</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
    <titleOfClass>DAILY PLTR BEAR</titleOfClass>
    <cusip>25461A429</cusip>
    <value>237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>13718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTERN BANKSHARES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27627N105</cusip>
    <value>240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14614</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO CORPORATE &amp; INCOME OPP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72201B101</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16693</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>1510</Sole>
      <Shared>0</Shared>
      <None>10809</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON VANCE LIMITED DURATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828H105</cusip>
    <value>245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>24454</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK ETF TRUST II</nameOfIssuer>
    <titleOfClass>ISHARES HIGH YIE</titleOfClass>
    <cusip>092528108</cusip>
    <value>246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3377</Sole>
      <Shared>0</Shared>
      <None>7485</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXCHANGE LISTED FDS TR</nameOfIssuer>
    <titleOfClass>SABA INT RATE</titleOfClass>
    <cusip>30151E806</cusip>
    <value>252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>217</Sole>
      <Shared>0</Shared>
      <None>11595</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ASSET INVESTMENT GRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>95766T100</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19815</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABRDN HEALTHCARE OPPORTUNITI</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>879105104</cusip>
    <value>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1481</Sole>
      <Shared>0</Shared>
      <None>11057</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VS TRUST</nameOfIssuer>
    <titleOfClass>-1X SHRT VIX FUT</titleOfClass>
    <cusip>92891H101</cusip>
    <value>266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>13102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO INCOME STRATEGY FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72201H108</cusip>
    <value>268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31050</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED STS NAT GAS FD LP</nameOfIssuer>
    <titleOfClass>UNIT PAR</titleOfClass>
    <cusip>912318409</cusip>
    <value>272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>12606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MOSAIC CO NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>61945C103</cusip>
    <value>273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>10111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COHEN &amp; STEERS INFRASTRUCTUR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>19248A109</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>516</Sole>
      <Shared>0</Shared>
      <None>10562</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>TAXABLE MUN BD</titleOfClass>
    <cusip>46138G805</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>2509</Sole>
      <Shared>0</Shared>
      <None>8111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO MUN OPPORTUNITY TR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46132C107</cusip>
    <value>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30065</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST NAS</titleOfClass>
    <cusip>33740U836</cusip>
    <value>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>10703</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>MULTI ASSET DI</titleOfClass>
    <cusip>33738R100</cusip>
    <value>289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17680</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>GLOBAL X URANIUM</titleOfClass>
    <cusip>37954Y871</cusip>
    <value>289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12629</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL HLT</titleOfClass>
    <cusip>46137V332</cusip>
    <value>298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10001</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>B2GOLD CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11777Q209</cusip>
    <value>299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>105048</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL SILVER TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>85207K107</cusip>
    <value>305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>AFRICA INDEX ETF</titleOfClass>
    <cusip>92189F866</cusip>
    <value>307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>17476</Sole>
      <Shared>0</Shared>
      <None>165</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>31252</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KAYNE ANDERSON ENERGY INFRST</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>486606106</cusip>
    <value>316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>385</Sole>
      <Shared>0</Shared>
      <None>24210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2030</titleOfClass>
    <cusip>46436E726</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14630</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2031</titleOfClass>
    <cusip>46436E486</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15316</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MARA HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>565788106</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>24623</Sole>
      <Shared>0</Shared>
      <None>3050</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2032</titleOfClass>
    <cusip>46436E312</cusip>
    <value>319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>73</Sole>
      <Shared>0</Shared>
      <None>12678</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADAMS DIVERSIFIED EQUITY FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>006212104</cusip>
    <value>319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>VEST US EQUITY M</titleOfClass>
    <cusip>33740U612</cusip>
    <value>322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>10224</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST NAS</titleOfClass>
    <cusip>33740F557</cusip>
    <value>322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12192</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>ENERGY ALPHADX</titleOfClass>
    <cusip>33734X127</cusip>
    <value>325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>1329</Sole>
      <Shared>0</Shared>
      <None>18373</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2034</titleOfClass>
    <cusip>46438G653</cusip>
    <value>328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>12680</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST NAS</titleOfClass>
    <cusip>33740F649</cusip>
    <value>329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>INTERMEDIATE DUR</titleOfClass>
    <cusip>33738D796</cusip>
    <value>330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1518</Sole>
      <Shared>0</Shared>
      <None>14380</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST NAS</titleOfClass>
    <cusip>33740F581</cusip>
    <value>331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIM ETF PRODUCTS TRUST</nameOfIssuer>
    <titleOfClass>ALLIANZIM US EQU</titleOfClass>
    <cusip>00888H539</cusip>
    <value>334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13453</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAYSCALE ETHEREUM TRUST ETF</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>389638107</cusip>
    <value>334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>20602</Sole>
      <Shared>0</Shared>
      <None>1350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLUE OWL CAPITAL INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>09581B103</cusip>
    <value>347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>58</Sole>
      <Shared>0</Shared>
      <None>17255</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIM ETF PRODUCTS TRUST</nameOfIssuer>
    <titleOfClass>ALLIANZIM US EQU</titleOfClass>
    <cusip>00888H521</cusip>
    <value>348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14477</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEMONADE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>52567D107</cusip>
    <value>351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>172</Sole>
      <Shared>0</Shared>
      <None>11000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKET LAB USA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>773122106</cusip>
    <value>353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL GROUP CORE EQUITY ET</nameOfIssuer>
    <titleOfClass>SHS CREATION UNI</titleOfClass>
    <cusip>14020V108</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10566</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF</titleOfClass>
    <cusip>464288448</cusip>
    <value>366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>11780</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN DYNAMIC MUN OPPORTUNI</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>67079X102</cusip>
    <value>370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>36056</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO DYNAMIC INCOME FD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>72201Y101</cusip>
    <value>373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18723</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>LIMITED DURATION</titleOfClass>
    <cusip>33738D804</cusip>
    <value>374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19726</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CALAMOS STRATEGIC TOTAL RETU</nameOfIssuer>
    <titleOfClass>COM SH BEN INT</titleOfClass>
    <cusip>128125101</cusip>
    <value>378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>458</Sole>
      <Shared>0</Shared>
      <None>22908</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS 27 ETF</titleOfClass>
    <cusip>46435UAA9</cusip>
    <value>386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15963</None>
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    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST LADDERED</titleOfClass>
    <cusip>33740U703</cusip>
    <value>396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15872</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC2026</titleOfClass>
    <cusip>46435GAA0</cusip>
    <value>400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16533</None>
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  <infoTable>
    <nameOfIssuer>MAG SILVER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>55903Q104</cusip>
    <value>404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>26387</None>
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    <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67073B106</cusip>
    <value>407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
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      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>49880</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBDS DEC28 ETF</titleOfClass>
    <cusip>46435U515</cusip>
    <value>413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16335</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC25 ETF</titleOfClass>
    <cusip>46434VBD1</cusip>
    <value>423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16807</None>
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    <nameOfIssuer>PAN AMERN SILVER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697900108</cusip>
    <value>427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>16493</None>
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  <infoTable>
    <nameOfIssuer>BARRICK GOLD CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>067901108</cusip>
    <value>435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22393</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>NASDAQ 100 COVER</titleOfClass>
    <cusip>37954Y483</cusip>
    <value>436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26199</None>
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  <infoTable>
    <nameOfIssuer>INVESTMENT MANAGERS SER TR I</nameOfIssuer>
    <titleOfClass>ASTORIA REAL</titleOfClass>
    <cusip>46141T117</cusip>
    <value>438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>44</Sole>
      <Shared>0</Shared>
      <None>30174</None>
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  <infoTable>
    <nameOfIssuer>TIDAL TR II</nameOfIssuer>
    <titleOfClass>YIELDMAX MSTR OP</titleOfClass>
    <cusip>88634T493</cusip>
    <value>441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21679</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST US</titleOfClass>
    <cusip>33740F631</cusip>
    <value>441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11624</None>
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  <infoTable>
    <nameOfIssuer>REAVES UTIL INCOME FD</nameOfIssuer>
    <titleOfClass>COM SH BEN INT</titleOfClass>
    <cusip>756158101</cusip>
    <value>443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13606</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN S&amp;P 500 BUY-WRITE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>6706ER101</cusip>
    <value>444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>220</Sole>
      <Shared>0</Shared>
      <None>32935</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST U.S.</titleOfClass>
    <cusip>33740U802</cusip>
    <value>447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>88</Sole>
      <Shared>0</Shared>
      <None>11927</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NOVAVAX INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>670002401</cusip>
    <value>448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>69888</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AIM ETF PRODUCTS TRUST</nameOfIssuer>
    <titleOfClass>US LRGCP B10 NOV</titleOfClass>
    <cusip>00888H851</cusip>
    <value>449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14078</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE 40/60 MODER</titleOfClass>
    <cusip>464289875</cusip>
    <value>457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>353</Sole>
      <Shared>0</Shared>
      <None>10051</None>
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  <infoTable>
    <nameOfIssuer>AIM ETF PRODUCTS TRUST</nameOfIssuer>
    <titleOfClass>US LRGCP B10 DEC</titleOfClass>
    <cusip>00888H836</cusip>
    <value>457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14755</None>
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  <infoTable>
    <nameOfIssuer>ARK 21SHARES BITCOIN ETF</nameOfIssuer>
    <titleOfClass>SHS BEN INT</titleOfClass>
    <cusip>040919102</cusip>
    <value>458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>5272</Sole>
      <Shared>0</Shared>
      <None>300</None>
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  <infoTable>
    <nameOfIssuer>ETF OPPORTUNITIES TRUST</nameOfIssuer>
    <titleOfClass>T REX 2X LONG</titleOfClass>
    <cusip>26923N835</cusip>
    <value>464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>35525</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EA SERIES TRUST</nameOfIssuer>
    <titleOfClass>STRIVE NATURAL</titleOfClass>
    <cusip>02072L557</cusip>
    <value>465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15152</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AST SPACEMOBILE INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>00217D100</cusip>
    <value>466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20514</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>US INFR DEV ETF</titleOfClass>
    <cusip>37954Y673</cusip>
    <value>470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12451</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>VEST NASDAQ 100</titleOfClass>
    <cusip>33740F268</cusip>
    <value>474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INFOSYS LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>456788108</cusip>
    <value>474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN LTS FD TR IV</nameOfIssuer>
    <titleOfClass>INSPIRE CORP BD</titleOfClass>
    <cusip>66538H633</cusip>
    <value>477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20036</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KENVUE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49177J102</cusip>
    <value>478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19931</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST US EQT</titleOfClass>
    <cusip>33740F680</cusip>
    <value>479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>12064</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY ALL STAR EQUITY FD</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>530158104</cusip>
    <value>482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>73556</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESTMENT MANAGERS SER TR I</nameOfIssuer>
    <titleOfClass>TRADR 1.5X SHORT</titleOfClass>
    <cusip>46144X370</cusip>
    <value>484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>16485</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST U.S</titleOfClass>
    <cusip>33740U786</cusip>
    <value>499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>13494</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>BUYWRIT INCM ETF</titleOfClass>
    <cusip>33738R308</cusip>
    <value>505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23092</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST U.S</titleOfClass>
    <cusip>33740F466</cusip>
    <value>508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21666</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST U.S</titleOfClass>
    <cusip>33740U844</cusip>
    <value>510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13247</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13247</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT</titleOfClass>
    <cusip>78464A474</cusip>
    <value>511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16967</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HARMONY BIOSCIENCES HLDGS IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>413197104</cusip>
    <value>517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>15572</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK ENHANCED EQUITY DI</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09251A104</cusip>
    <value>517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>60159</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST NASD 100</titleOfClass>
    <cusip>33740F219</cusip>
    <value>532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26140</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR MORNINGSTAR DIVID L</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>336917109</cusip>
    <value>535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12323</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COEUR MNG INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>192108504</cusip>
    <value>536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>90600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>ULTRAPRO SHT QQQ</titleOfClass>
    <cusip>74347G192</cusip>
    <value>544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST US EQT</titleOfClass>
    <cusip>33740F763</cusip>
    <value>544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11151</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VICTORYSHARES WE</titleOfClass>
    <cusip>92647P126</cusip>
    <value>545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14027</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEX LTD</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>Y2573F102</cusip>
    <value>552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16686</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
    <cusip>78464A664</cusip>
    <value>554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20316</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US BRD MKT ETF</titleOfClass>
    <cusip>808524102</cusip>
    <value>557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>13799</Sole>
      <Shared>0</Shared>
      <None>12062</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLOCK INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>852234103</cusip>
    <value>562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10349</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>INNOVATION ETF</titleOfClass>
    <cusip>00214Q104</cusip>
    <value>566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11885</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST US EQT</titleOfClass>
    <cusip>33740F839</cusip>
    <value>576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13731</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANECK BITCOIN ETF</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>92189K105</cusip>
    <value>578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24783</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>GROWTH STRENGTH</titleOfClass>
    <cusip>33733E823</cusip>
    <value>581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19536</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROBINHOOD MKTS INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>770700102</cusip>
    <value>582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>9189</Sole>
      <Shared>0</Shared>
      <None>4789</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12682</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>JUNIOR GOLD MINE</titleOfClass>
    <cusip>92189F791</cusip>
    <value>584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>8865</Sole>
      <Shared>0</Shared>
      <None>1353</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>ULTRAPRO QQQ</titleOfClass>
    <cusip>74347X831</cusip>
    <value>586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>9572</Sole>
      <Shared>0</Shared>
      <None>652</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIMCO CORPORATE &amp; INCM STRG</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72200U100</cusip>
    <value>603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44116</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29250N105</cusip>
    <value>604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13624</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13624</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EA SERIES TRUST</nameOfIssuer>
    <titleOfClass>STRIVE US ENERGY</titleOfClass>
    <cusip>02072L722</cusip>
    <value>604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>321</Sole>
      <Shared>0</Shared>
      <None>20014</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OLO INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>68134L109</cusip>
    <value>608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>100649</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACCESS INVT GR</titleOfClass>
    <cusip>381430479</cusip>
    <value>618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>859</Sole>
      <Shared>0</Shared>
      <None>12652</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INT-TRM U.S TRES</titleOfClass>
    <cusip>808524854</cusip>
    <value>625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25141</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK ETF TRUST</nameOfIssuer>
    <titleOfClass>ISHARES US EQUIT</titleOfClass>
    <cusip>09290C103</cusip>
    <value>629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12902</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI GLB SLV&amp;MTL</titleOfClass>
    <cusip>464286327</cusip>
    <value>630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42055</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULLETSHARE 2034</titleOfClass>
    <cusip>46139W767</cusip>
    <value>631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULLETSHS 32 MUN</titleOfClass>
    <cusip>46139W833</cusip>
    <value>632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25675</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>27824</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>INVESCO BULLETSH</titleOfClass>
    <cusip>46139W791</cusip>
    <value>633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25001</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>NASDAQ CYB ETF</titleOfClass>
    <cusip>33734X846</cusip>
    <value>636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10089</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EA SERIES TRUST</nameOfIssuer>
    <titleOfClass>ASTORIA US QUALI</titleOfClass>
    <cusip>02072L185</cusip>
    <value>636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27244</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULLETSHS 31 MUN</titleOfClass>
    <cusip>46138J411</cusip>
    <value>640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30852</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WAYFAIR INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>94419L101</cusip>
    <value>642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20050</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE TOTAL USD</titleOfClass>
    <cusip>46434V613</cusip>
    <value>644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13968</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>INVSC 30 MUNI BD</titleOfClass>
    <cusip>46138J445</cusip>
    <value>645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29882</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2029 MUNI</titleOfClass>
    <cusip>46138J478</cusip>
    <value>648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28511</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GNMA BOND ETF</titleOfClass>
    <cusip>46429B333</cusip>
    <value>650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14817</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>VEST US EQUITY M</titleOfClass>
    <cusip>33740U588</cusip>
    <value>651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2028 MUNI</titleOfClass>
    <cusip>46138J486</cusip>
    <value>652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANGEL OAK FINL STRATEGIES IN</nameOfIssuer>
    <titleOfClass>COM BEN INT</titleOfClass>
    <cusip>03464A100</cusip>
    <value>659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48913</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2027 MUNI</titleOfClass>
    <cusip>46138J494</cusip>
    <value>665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28259</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BELPOINTE PREP LLC</nameOfIssuer>
    <titleOfClass>UNIT RP LTD LB A</titleOfClass>
    <cusip>080694102</cusip>
    <value>667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10341</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2026 MUNI</titleOfClass>
    <cusip>46138J510</cusip>
    <value>669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INSTEEL INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45774W108</cusip>
    <value>670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25476</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CALAMOS ETF TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 STRUCTUR</titleOfClass>
    <cusip>12811T803</cusip>
    <value>671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27039</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
    <titleOfClass>BLOCKCHAIN LDR</titleOfClass>
    <cusip>032108607</cusip>
    <value>678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18373</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CHINA LG-CAP ETF</titleOfClass>
    <cusip>464287184</cusip>
    <value>682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2320</Sole>
      <Shared>0</Shared>
      <None>16699</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>KBW BK ETF</titleOfClass>
    <cusip>46138E628</cusip>
    <value>682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10860</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNERSTONE STRATEGIC INVEST</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>21924B302</cusip>
    <value>684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>1199</Sole>
      <Shared>0</Shared>
      <None>90848</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALAMOS GOLD INC NEW</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>011532108</cusip>
    <value>685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25628</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DWS MUN INCOME TR NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>233368109</cusip>
    <value>692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>73695</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2025 MUNI</titleOfClass>
    <cusip>46138J528</cusip>
    <value>693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>1107</Sole>
      <Shared>0</Shared>
      <None>27204</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETFIS SER TR I</nameOfIssuer>
    <titleOfClass>VIRTUS REAVES UT</titleOfClass>
    <cusip>26923G806</cusip>
    <value>696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10772</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11818</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANGIODYNAMICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03475V101</cusip>
    <value>701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74634</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>ULTRA SHRT ETF</titleOfClass>
    <cusip>46641Q837</cusip>
    <value>704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>13816</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
    <titleOfClass>DAILY SEMICONDUC</titleOfClass>
    <cusip>25460G112</cusip>
    <value>710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>24502</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK CR ALLOCATION INCO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>092508100</cusip>
    <value>720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>67188</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>LUNT LRGCP MULTI</titleOfClass>
    <cusip>69374H816</cusip>
    <value>723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1038</Sole>
      <Shared>0</Shared>
      <None>14043</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIM ETF PRODUCTS TRUST</nameOfIssuer>
    <titleOfClass>US LRGCP B20 JAN</titleOfClass>
    <cusip>00888H802</cusip>
    <value>730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21970</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>LNG/SHT EQUITY</titleOfClass>
    <cusip>33739P103</cusip>
    <value>740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11553</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI HLTH CARE I</titleOfClass>
    <cusip>316092600</cusip>
    <value>747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1444</Sole>
      <Shared>0</Shared>
      <None>9489</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI INTRMDIT</titleOfClass>
    <cusip>78464A672</cusip>
    <value>755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST US EQT</titleOfClass>
    <cusip>33740F730</cusip>
    <value>763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>86</Sole>
      <Shared>0</Shared>
      <None>19191</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL GOLD &amp; SILVE</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>85208R101</cusip>
    <value>766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>26960</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO INTRMD</titleOfClass>
    <cusip>78464A375</cusip>
    <value>777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23379</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FIRST TR TA HIYL</titleOfClass>
    <cusip>33738D408</cusip>
    <value>778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18954</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18954</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EA SERIES TRUST</nameOfIssuer>
    <titleOfClass>STRIVE 1000 VALU</titleOfClass>
    <cusip>02072L599</cusip>
    <value>780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25561</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SENIOR LN FD</titleOfClass>
    <cusip>33738D309</cusip>
    <value>785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>17166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33949</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LRG CAP ETF</titleOfClass>
    <cusip>808524201</cusip>
    <value>814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36874</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVEBETA INT</titleOfClass>
    <cusip>381430107</cusip>
    <value>816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>22838</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14681</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13033</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>NASDQ ARTFCIAL</titleOfClass>
    <cusip>33738R720</cusip>
    <value>831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>16448</Sole>
      <Shared>0</Shared>
      <None>3976</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US EQ INCM</titleOfClass>
    <cusip>92647N824</cusip>
    <value>831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>85</Sole>
      <Shared>0</Shared>
      <None>12556</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST US</titleOfClass>
    <cusip>33740F771</cusip>
    <value>832</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19734</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>19694</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENEL CHILE S.A.</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>29278D105</cusip>
    <value>833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>254883</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EA SERIES TRUST</nameOfIssuer>
    <titleOfClass>ASTORIA US EQUAL</titleOfClass>
    <cusip>02072L433</cusip>
    <value>845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>61</Sole>
      <Shared>0</Shared>
      <None>28823</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>925652109</cusip>
    <value>850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25726</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMOTHY PLAN</nameOfIssuer>
    <titleOfClass>US LRGMD CP CORE</titleOfClass>
    <cusip>887432359</cusip>
    <value>852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20076</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 5-10YR INVT</titleOfClass>
    <cusip>464288638</cusip>
    <value>855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16274</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16274</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO BD FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46132L107</cusip>
    <value>855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55290</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHEATON PRECIOUS METALS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>962879102</cusip>
    <value>857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>10846</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EA SERIES TRUST</nameOfIssuer>
    <titleOfClass>STRIVE 1000 DIV</titleOfClass>
    <cusip>02072L581</cusip>
    <value>868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26790</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11176</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST US EQT</titleOfClass>
    <cusip>33740F714</cusip>
    <value>884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>71</Sole>
      <Shared>0</Shared>
      <None>20978</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>METAURUS CAP 400</titleOfClass>
    <cusip>69374H436</cusip>
    <value>890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24157</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCHER AVIATION INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>03945R102</cusip>
    <value>891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>125259</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN ASSET PREMIER BD FD</nameOfIssuer>
    <titleOfClass>SHS BEN INT</titleOfClass>
    <cusip>957664105</cusip>
    <value>909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>81114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>DORSEY WRT 5 ETF</titleOfClass>
    <cusip>33738R605</cusip>
    <value>920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>81</Sole>
      <Shared>0</Shared>
      <None>16684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11367</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KKR INCOME OPPORTUNITIES FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>48249T106</cusip>
    <value>930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>75648</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
    <titleOfClass>VG TL INTL STK F</titleOfClass>
    <cusip>921909768</cusip>
    <value>940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>FT VEST SMID</titleOfClass>
    <cusip>33738D820</cusip>
    <value>940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47071</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDP US LAR CP</titleOfClass>
    <cusip>69374H105</cusip>
    <value>943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18331</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>INSTL PFD SECS</titleOfClass>
    <cusip>33739P855</cusip>
    <value>951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50836</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>4025</Sole>
      <Shared>0</Shared>
      <None>7760</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST US EQ UN</titleOfClass>
    <cusip>33740U430</cusip>
    <value>966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FRANKLIN TEMPLETON DIGITAL H</nameOfIssuer>
    <titleOfClass>BITCOIN ETF SHS</titleOfClass>
    <cusip>354921108</cusip>
    <value>966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20235</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO MUN INCOME FD II</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72200W106</cusip>
    <value>972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>119935</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>406216101</cusip>
    <value>978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>893</Sole>
      <Shared>0</Shared>
      <None>37657</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST U.S.</titleOfClass>
    <cusip>33740U406</cusip>
    <value>989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>46</Sole>
      <Shared>0</Shared>
      <None>25231</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16911</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>892356106</cusip>
    <value>999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18128</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>949746101</cusip>
    <value>1001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>13942</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARES CAPITAL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>04010L103</cusip>
    <value>1006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45402</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>1007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16515</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF</titleOfClass>
    <cusip>46429B655</cusip>
    <value>1010</value>
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      <sshPrnamt>19789</sshPrnamt>
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      <Shared>0</Shared>
      <None>19789</None>
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    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST US EQT</titleOfClass>
    <cusip>33740F698</cusip>
    <value>1011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24720</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>24720</None>
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  <infoTable>
    <nameOfIssuer>DNP SELECT INCOME FD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23325P104</cusip>
    <value>1029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>103798</None>
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  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL GOLD TR</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>85207H104</cusip>
    <value>1033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>880</Sole>
      <Shared>0</Shared>
      <None>42040</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
    <cusip>464288687</cusip>
    <value>1035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6662</Sole>
      <Shared>0</Shared>
      <None>27013</None>
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  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>35671D857</cusip>
    <value>1035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27335</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>TCW OPPORTUNIS</titleOfClass>
    <cusip>33740F805</cusip>
    <value>1040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23728</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23728</None>
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  <infoTable>
    <nameOfIssuer>CORNERSTONE TOTAL RETURN FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>21924U300</cusip>
    <value>1047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145880</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>145880</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPANDED TECH</titleOfClass>
    <cusip>464287515</cusip>
    <value>1060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11913</None>
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  <infoTable>
    <nameOfIssuer>NUVEEN TAXABLE MUNICPAL INM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67074C103</cusip>
    <value>1074</value>
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      <sshPrnamt>67020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
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      <Sole>464</Sole>
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      <None>66556</None>
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    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>1083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13425</None>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>1094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11085</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025537101</cusip>
    <value>1109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10150</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>WTR ETF</titleOfClass>
    <cusip>33733B100</cusip>
    <value>1149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11408</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>1159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
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      <Sole>304</Sole>
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      <None>10129</None>
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  <infoTable>
    <nameOfIssuer>GITLAB INC</nameOfIssuer>
    <titleOfClass>CLASS A COM</titleOfClass>
    <cusip>37637K108</cusip>
    <value>1178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25064</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>1184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15128</None>
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  <infoTable>
    <nameOfIssuer>EA SERIES TRUST</nameOfIssuer>
    <titleOfClass>STRIVE SML CAP</titleOfClass>
    <cusip>02072L573</cusip>
    <value>1187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41331</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>41331</None>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>NASDAQ EQT PREM</titleOfClass>
    <cusip>46654Q203</cusip>
    <value>1187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22932</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>UTILITIES ALPH</titleOfClass>
    <cusip>33734X184</cusip>
    <value>1191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29037</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29037</None>
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  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>1198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40699</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
    <value>1200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1401</Sole>
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      <None>10270</None>
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  <infoTable>
    <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
    <value>1221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29252</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>SHRT DUR MNG MUN</titleOfClass>
    <cusip>33739P830</cusip>
    <value>1235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>241</Sole>
      <Shared>0</Shared>
      <None>61914</None>
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  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VICTORYSHARES SM</titleOfClass>
    <cusip>92647X822</cusip>
    <value>1245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50749</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>50749</None>
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  <infoTable>
    <nameOfIssuer>KKR &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>48251W104</cusip>
    <value>1253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10839</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
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      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>10809</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST U.S.</titleOfClass>
    <cusip>33740F854</cusip>
    <value>1257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>800</Sole>
      <Shared>0</Shared>
      <None>31598</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED CMNTY BKS BLAIRSVLE G</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90984P303</cusip>
    <value>1260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2337</Sole>
      <Shared>0</Shared>
      <None>42082</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIYIELD QUALITY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09254G108</cusip>
    <value>1298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>129766</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACCESS US AGRAT</titleOfClass>
    <cusip>38149W101</cusip>
    <value>1313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31851</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P 500 MOMNTM</titleOfClass>
    <cusip>46138E339</cusip>
    <value>1313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14194</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>209115104</cusip>
    <value>1324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11969</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>69608A108</cusip>
    <value>1339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15870</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>1359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12507</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>1371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>92</Sole>
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      <None>11579</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>1372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14079</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PUTNAM ETF TRUST</nameOfIssuer>
    <titleOfClass>FOCUSED LAR CAP</titleOfClass>
    <cusip>746729300</cusip>
    <value>1373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>36009</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT</titleOfClass>
    <cusip>46434G103</cusip>
    <value>1392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25799</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IONQ INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46222L108</cusip>
    <value>1393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>63114</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST US EQT</titleOfClass>
    <cusip>33740F615</cusip>
    <value>1405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37295</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>ACTIVE VALUE ETF</titleOfClass>
    <cusip>46641Q167</cusip>
    <value>1413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22238</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>1418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR LRG CP VL ALPHADEX</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735J101</cusip>
    <value>1435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>237</Sole>
      <Shared>0</Shared>
      <None>18467</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
    <cusip>78468R606</cusip>
    <value>1471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>59811</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>2023 ETF SERIES TRUST II</nameOfIssuer>
    <titleOfClass>GMO US QUALITY E</titleOfClass>
    <cusip>90139K100</cusip>
    <value>1484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>47420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>1489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29840</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST US EQT</titleOfClass>
    <cusip>33740F599</cusip>
    <value>1519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>76</Sole>
      <Shared>0</Shared>
      <None>35927</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FST LOW OPPT EFT</titleOfClass>
    <cusip>33739Q200</cusip>
    <value>1543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>1550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12722</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
    <titleOfClass>ISHARES</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>1553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>19427</Sole>
      <Shared>0</Shared>
      <None>30679</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25179M103</cusip>
    <value>1567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>41902</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>1588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20289</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>FINLS ALPHADEX</titleOfClass>
    <cusip>33734X135</cusip>
    <value>1656</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31237</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>INDLS PROD DUR</titleOfClass>
    <cusip>33734X150</cusip>
    <value>1692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>24278</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP VA ETF</titleOfClass>
    <cusip>808524409</cusip>
    <value>1696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>63740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE DIV GRWTH</titleOfClass>
    <cusip>46434V621</cusip>
    <value>1720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27849</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI TOTAL</titleOfClass>
    <cusip>46432F834</cusip>
    <value>1721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24647</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIYILD QULT FD I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09254F100</cusip>
    <value>1727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>147503</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIMOTHY PLAN</nameOfIssuer>
    <titleOfClass>HIG DV STK ETF</titleOfClass>
    <cusip>887432326</cusip>
    <value>1746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46403</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP GR ETF</titleOfClass>
    <cusip>808524300</cusip>
    <value>1754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70049</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT</titleOfClass>
    <cusip>46432F339</cusip>
    <value>1755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>10261</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
    <titleOfClass>COM UT LTD PTN</titleOfClass>
    <cusip>29273V100</cusip>
    <value>1757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>94504</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>MARKETBETA US EQ</titleOfClass>
    <cusip>381430123</cusip>
    <value>1819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23654</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>1838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39878</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>MLT MNGD LRG GRW</titleOfClass>
    <cusip>33740F789</cusip>
    <value>1841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>67356</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>1849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40862</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>1923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>52726</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>1941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55585</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH</titleOfClass>
    <cusip>78464A870</cusip>
    <value>1985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>1989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32789</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>20030N101</cusip>
    <value>2020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54737</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMBRIA ETF TR</nameOfIssuer>
    <titleOfClass>GLB ASSET ALLO</titleOfClass>
    <cusip>132061607</cusip>
    <value>2020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>69389</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST LAD</titleOfClass>
    <cusip>33740U729</cusip>
    <value>2028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2953</Sole>
      <Shared>0</Shared>
      <None>83330</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>2032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>18435</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DORSEY WRGT TECH</titleOfClass>
    <cusip>46137V811</cusip>
    <value>2036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>57</Sole>
      <Shared>0</Shared>
      <None>34474</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>2052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>287</Sole>
      <Shared>0</Shared>
      <None>13770</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BENTLEY SYS INC</nameOfIssuer>
    <titleOfClass>COM CL B</titleOfClass>
    <cusip>08265T208</cusip>
    <value>2053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>52180</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>219350105</cusip>
    <value>2055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44888</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>MUNI INCOME OPP</titleOfClass>
    <cusip>72201R635</cusip>
    <value>2062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>46109</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
    <value>2066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27311</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EA SERIES TRUST</nameOfIssuer>
    <titleOfClass>STRIVE 1000 GRWT</titleOfClass>
    <cusip>02072L615</cusip>
    <value>2069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51649</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INTL CORE EQT MK</titleOfClass>
    <cusip>25434V203</cusip>
    <value>2071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>66272</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>65339F101</cusip>
    <value>2074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>29253</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>2083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31917</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>2106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31089</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>2110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17301</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FT VEST RIS</titleOfClass>
    <cusip>33738D879</cusip>
    <value>2137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>90079</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02209S103</cusip>
    <value>2146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>35444</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUGGENHEIM TAXABLE MUNICP BO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>401664107</cusip>
    <value>2147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>333</Sole>
      <Shared>0</Shared>
      <None>137758</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KEYCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>493267108</cusip>
    <value>2155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>29</Sole>
      <Shared>0</Shared>
      <None>134734</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DORSEY WRGT INDS</titleOfClass>
    <cusip>46137V845</cusip>
    <value>2156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>76</Sole>
      <Shared>0</Shared>
      <None>15581</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>S&amp;P CHINA ETF</titleOfClass>
    <cusip>78463X400</cusip>
    <value>2280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>26510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
    <cusip>78468R663</cusip>
    <value>2318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>2319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>91523</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
    <cusip>464287887</cusip>
    <value>2343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>329</Sole>
      <Shared>0</Shared>
      <None>18487</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES BITCOIN TRUST ETF</nameOfIssuer>
    <titleOfClass>SHS BEN INT</titleOfClass>
    <cusip>46438F101</cusip>
    <value>2356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50321</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>AEROSPACE DEFN</titleOfClass>
    <cusip>46137V100</cusip>
    <value>2370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>2432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>53616</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BITWISE BITCOIN ETF TR</nameOfIssuer>
    <titleOfClass>SHS BEN INT</titleOfClass>
    <cusip>09174C104</cusip>
    <value>2441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>1550</Sole>
      <Shared>0</Shared>
      <None>52847</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNIFIED SER TR</nameOfIssuer>
    <titleOfClass>ONEASCENT INTL</titleOfClass>
    <cusip>90470L444</cusip>
    <value>2447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>73224</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD</titleOfClass>
    <cusip>464287457</cusip>
    <value>2453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIZENS FINL GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>174610105</cusip>
    <value>2462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>60094</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066V101</cusip>
    <value>2463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>213776</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>2472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>18717</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670657105</cusip>
    <value>2640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2,3</otherManager>
    <votingAuthority>
      <Sole>894</Sole>
      <Shared>0</Shared>
      <None>234801</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>032654105</cusip>
    <value>2680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13288</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>609207105</cusip>
    <value>2756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>72</Sole>
      <Shared>0</Shared>
      <None>40290</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49456B101</cusip>
    <value>2838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99476</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>5910</Sole>
      <Shared>0</Shared>
      <None>93566</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FT VEST S&amp;P 500</titleOfClass>
    <cusip>33739Q705</cusip>
    <value>2842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56252</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>2851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>6</Sole>
      <Shared>0</Shared>
      <None>58395</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>002824100</cusip>
    <value>2876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21681</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>2880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56651</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
    <value>3037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13022</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EA SERIES TRUST</nameOfIssuer>
    <titleOfClass>STRIVE TOTAL RET</titleOfClass>
    <cusip>02072L458</cusip>
    <value>3082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>153104</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>3092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12435</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSTRATEGY INC</nameOfIssuer>
    <titleOfClass>CL A NEW</titleOfClass>
    <cusip>594972408</cusip>
    <value>3137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>2894</Sole>
      <Shared>0</Shared>
      <None>7988</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>09248X100</cusip>
    <value>3152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>188966</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>3175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>93003</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHORT TREAS BD</titleOfClass>
    <cusip>464288679</cusip>
    <value>3201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>26940</Sole>
      <Shared>0</Shared>
      <None>2042</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>3241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>75861</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>3246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31043</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>3276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>117166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>500 VAL IDX FD</titleOfClass>
    <cusip>921932703</cusip>
    <value>3300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17919</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>3301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35321</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>CONSUM STP ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>3341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15268</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES SEMICDTR</titleOfClass>
    <cusip>464287523</cusip>
    <value>3428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>17118</Sole>
      <Shared>0</Shared>
      <None>1097</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP INDEX</titleOfClass>
    <cusip>921910873</cusip>
    <value>3470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17232</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>3473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>84403</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>191216100</cusip>
    <value>3505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48744</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>3539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23039</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL GRP FIXED INCM ETF T</nameOfIssuer>
    <titleOfClass>SHORT DURATION</titleOfClass>
    <cusip>14020Y409</cusip>
    <value>3671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>142244</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>3780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34481</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>FLOATNG RAT TREA</titleOfClass>
    <cusip>97717Y527</cusip>
    <value>3888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>77259</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
    <value>3890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>45502</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U S EQUITY FACTR</titleOfClass>
    <cusip>46434V282</cusip>
    <value>3922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>67757</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUNICIPAL CREDIT INC</nameOfIssuer>
    <titleOfClass>COM SH BEN INT</titleOfClass>
    <cusip>67070X101</cusip>
    <value>3925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>320904</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>3949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51578</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
    <cusip>92189F643</cusip>
    <value>3998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45435</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>NASD TECH DIV</titleOfClass>
    <cusip>33738R118</cusip>
    <value>4131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56118</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ENHAN SHRT MA AC</titleOfClass>
    <cusip>72201R833</cusip>
    <value>4163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>41370</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>617446448</cusip>
    <value>4183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35856</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>TCW UNCONSTRAI</titleOfClass>
    <cusip>33740F888</cusip>
    <value>4212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>170179</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>4258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150576</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>4287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>14776</Sole>
      <Shared>0</Shared>
      <None>39587</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>4311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21609</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67071L106</cusip>
    <value>4342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>350626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL C</titleOfClass>
    <cusip>02079K107</cusip>
    <value>4346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>4488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21735</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>4756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>77075</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09260D107</cusip>
    <value>4763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34073</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P KENSHO CLEAN</titleOfClass>
    <cusip>78468R655</cusip>
    <value>4764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>94614</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>4776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39891</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>4785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>20697</Sole>
      <Shared>0</Shared>
      <None>27672</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>4937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>24879</Sole>
      <Shared>0</Shared>
      <None>88086</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>5095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19645</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872590104</cusip>
    <value>5152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19316</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>5171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>88626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF</titleOfClass>
    <cusip>46429B663</cusip>
    <value>5197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42906</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>INDL</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>5217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39801</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>5248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>165</Sole>
      <Shared>0</Shared>
      <None>20129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>33734H106</cusip>
    <value>5374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>594</Sole>
      <Shared>0</Shared>
      <None>119928</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>5604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37304</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>5690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>62972</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMETEK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031100100</cusip>
    <value>5718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>112</Sole>
      <Shared>0</Shared>
      <None>33108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
    <value>5739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18422</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>5794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>78885</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>5959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34497</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>6023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10988</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>INTER MUN BD ACT</titleOfClass>
    <cusip>72201R866</cusip>
    <value>6061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>117581</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>US LRG CP CASH</titleOfClass>
    <cusip>69374H360</cusip>
    <value>6093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>197878</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>SHT TM US TRES</titleOfClass>
    <cusip>808524862</cusip>
    <value>6204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>254893</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>6334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72045</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>72045</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>6344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>127354</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>6366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>1380</Sole>
      <Shared>0</Shared>
      <None>36570</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>0-3 MNTH TREASRY</titleOfClass>
    <cusip>46436E718</cusip>
    <value>6379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>63367</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FIRST TR ENH NEW</titleOfClass>
    <cusip>33739Q408</cusip>
    <value>6541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>108901</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>6546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12292</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
    <cusip>33738R506</cusip>
    <value>6611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>112932</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>6662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>79996</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>6770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>42333</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>6852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21936</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>ENHANCED INTL</titleOfClass>
    <cusip>31609A404</cusip>
    <value>6876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>231054</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>7038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>891</Sole>
      <Shared>0</Shared>
      <None>11308</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>7156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>37540</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>INDIA NFTY50 EQW</titleOfClass>
    <cusip>33737J802</cusip>
    <value>7466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>133890</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>7506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88228</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>88228</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>7601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45831</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL GROUP DIVIDEND VALUE</nameOfIssuer>
    <titleOfClass>SHS CREATION UNI</titleOfClass>
    <cusip>14020W106</cusip>
    <value>7803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>218303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>7886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23913</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>EQUITY PREMIUM</titleOfClass>
    <cusip>46641Q332</cusip>
    <value>8176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>143095</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 HI</titleOfClass>
    <cusip>78468R788</cusip>
    <value>8205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>185380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>185380</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>8315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22689</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>8348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49899</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>8410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>8437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24074</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>8512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>66007</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIDELITY WISE ORIGIN BITCOIN</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>315948109</cusip>
    <value>8938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>124192</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>8977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>97626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>9543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17019</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>9618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>13</Sole>
      <Shared>0</Shared>
      <None>80863</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>9787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>57416</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>9972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>81731</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ABBVIE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>10497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL A</titleOfClass>
    <cusip>02079K305</cusip>
    <value>10612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>11488</Sole>
      <Shared>0</Shared>
      <None>57132</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>10767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>15939</Sole>
      <Shared>0</Shared>
      <None>21428</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>12112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49377</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE TRADED F</nameOfIssuer>
    <titleOfClass>ACTIVE BOND ETF</titleOfClass>
    <cusip>46654Q716</cusip>
    <value>12247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>228831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>228831</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>US CASH COWS 100</titleOfClass>
    <cusip>69374H881</cusip>
    <value>12913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>235816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>235816</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>14329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38641</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL TEC</titleOfClass>
    <cusip>46137V282</cusip>
    <value>15056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1804</Sole>
      <Shared>0</Shared>
      <None>438427</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>15141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55090</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>16520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SMID RISNG ETF</titleOfClass>
    <cusip>33741X102</cusip>
    <value>21143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>631134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>631129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TIDAL TRUST III</nameOfIssuer>
    <titleOfClass>ROCKEFELLER US S</titleOfClass>
    <cusip>45259A803</cusip>
    <value>22071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>936783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>936783</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>22411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>241418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>4022</Sole>
      <Shared>0</Shared>
      <None>237396</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT VEST LADDERED</titleOfClass>
    <cusip>33740F755</cusip>
    <value>22567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>760078</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>24470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>4213</Sole>
      <Shared>0</Shared>
      <None>124364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>25007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305968</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>305968</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>26610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70875</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>27982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>161533</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>28931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>266829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2,3</otherManager>
    <votingAuthority>
      <Sole>23556</Sole>
      <Shared>0</Shared>
      <None>243273</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>32725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,3</otherManager>
    <votingAuthority>
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</SEC-DOCUMENT>
