<SEC-DOCUMENT>0000913760-25-000154.txt : 20250813
<SEC-HEADER>0000913760-25-000154.hdr.sgml : 20250813
<ACCEPTANCE-DATETIME>20250813112631
ACCESSION NUMBER:		0000913760-25-000154
CONFORMED SUBMISSION TYPE:	13F-HR/A
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220630
FILED AS OF DATE:		20250813
DATE AS OF CHANGE:		20250813
EFFECTIVENESS DATE:		20250813

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/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-17573
		FILM NUMBER:		251209702

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

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	INTERNATIONAL ASSETS HOLDING CORP
		DATE OF NAME CHANGE:	19931020
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR/A
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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    <submissionType>13F-HR/A</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>true</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
      <filer>
        <credentials>
          <cik>0000913760</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>06-30-2022</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>06-30-2022</reportCalendarOrQuarter>
      <isAmendment>true</isAmendment>
      <amendmentNo>2</amendmentNo>
      <amendmentInfo>
        <amendmentType>NEW HOLDINGS</amendmentType>
        <confDeniedExpired>false</confDeniedExpired>
      </amendmentInfo>
      <filingManager>
        <name>StoneX Group Inc.</name>
        <address>
          <ns1:street1>230 Park Ave</ns1:street1>
          <ns1:street2>10th Floor</ns1:street2>
          <ns1:city>New York</ns1:city>
          <ns1:stateOrCountry>NY</ns1:stateOrCountry>
          <ns1:zipCode>10169</ns1:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-17573</form13FFileNumber>
      <provideInfoForInstruction5>Y</provideInfoForInstruction5>
      <additionalInformation>During an internal review of StoneX Group Inc.'s Section 13(f) reporting practices we discovered the quarterly filings from Q4 2021 through Q1 2025 under-reported the total number of securities, shares and market values. The errors involved all Other Reporting Managers: StoneX Advisors Inc., StoneX Financial Inc., and Trust Advisory Group, Ltd.   The review identified four main causes:  1. Missing Market Making Accounts; Between Q4 2021 and Q4 2024, three market making accounts were inadvertently excluded from the Firm's filings.   2. Formula Error in Excel; From Q1 2022 to Q4 2022, the Firm mistakenly used "XLOOKUP" functionality instead of "SUMIF" in Excel causing only the first instance of a CUSIP to be counted.  3. Failure to Implement Rule Change; SEC Rule 87 FR 38943 requiring all dollar values to be rounded to the nearest dollar, rather than to the nearest one thousand dollars, was not properly implemented from Q4 2022 to Q1 2025.  4. Excel Scientific Notation Error; Between Q4 2021 and Q1 2025, CUSIPs with an "E" were inadvertently converted into scientific notation in Excel. This led to the misidentification of certain reportable securities.</additionalInformation>
    </coverPage>
    <signatureBlock>
      <name>John Calvano</name>
      <title>CCO, StoneX Advisors Inc. &amp; Trust Advisory Group Ltd.</title>
      <phone>2054143367</phone>
      <signature>John Calvano</signature>
      <city>Birmingham</city>
      <stateOrCountry>AL</stateOrCountry>
      <signatureDate>08-13-2025</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>2</otherIncludedManagersCount>
      <tableEntryTotal>510</tableEntryTotal>
      <tableValueTotal>611065208</tableValueTotal>
      <otherManagers2Info>
        <otherManager2>
          <sequenceNumber>1</sequenceNumber>
          <otherManager>
            <cik>0001650393</cik>
            <form13FFileNumber>028-17766</form13FFileNumber>
            <name>StoneX Advisors Inc.</name>
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          <sequenceNumber>2</sequenceNumber>
          <otherManager>
            <cik>0001070092</cik>
            <form13FFileNumber>028-21283</form13FFileNumber>
            <name>STONEX FINANCIAL INC.</name>
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      </otherManagers2Info>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
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    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
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    <nameOfIssuer>SIGNATURE BK NEW YORK N Y</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82669G104</cusip>
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    <shrsOrPrnAmt>
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      <Sole>505</Sole>
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    <shrsOrPrnAmt>
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    <shrsOrPrnAmt>
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      <None>30002</None>
    </votingAuthority>
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    <titleOfClass>MSCI HLTH CARE I</titleOfClass>
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      <None>30208</None>
    </votingAuthority>
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    <titleOfClass>COM</titleOfClass>
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      <Sole>889</Sole>
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      <None>4277</None>
    </votingAuthority>
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    <nameOfIssuer>BROOKFIELD RENEWABLE PARTNER</nameOfIssuer>
    <titleOfClass>PARTNERSHIP UNIT</titleOfClass>
    <cusip>G16258108</cusip>
    <value>238798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6812</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC22 ETF</titleOfClass>
    <cusip>46434VBA7</cusip>
    <value>3120760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1091</Sole>
      <Shared>0</Shared>
      <None>123689</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>1072164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>372</Sole>
      <Shared>0</Shared>
      <None>13162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPRUCE BIOSCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>85209E109</cusip>
    <value>20706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>11900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONCONOVA THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>68232V801</cusip>
    <value>19800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>18028898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1173</Sole>
      <Shared>0</Shared>
      <None>140653</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>BROAD US TIPS</titleOfClass>
    <cusip>72201R403</cusip>
    <value>360090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1252</Sole>
      <Shared>0</Shared>
      <None>5005</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN VRTUAL CLOUD TECH I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>030382105</cusip>
    <value>3752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA GRWTH IND</titleOfClass>
    <cusip>921910816</cusip>
    <value>7412226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>991</Sole>
      <Shared>0</Shared>
      <None>39805</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>411553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1303</Sole>
      <Shared>0</Shared>
      <None>1720</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. MED DVC ETF</titleOfClass>
    <cusip>464288810</cusip>
    <value>886870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4989</Sole>
      <Shared>0</Shared>
      <None>12594</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOZONE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>053332102</cusip>
    <value>287982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>83</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPIPHANY TECHNOLOGY ACQUISIT</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>29429X109</cusip>
    <value>393016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>40022</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANOO INC</nameOfIssuer>
    <titleOfClass>*W EXP 12/21/202</titleOfClass>
    <cusip>13803R110</cusip>
    <value>4350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>TCW OPPORTUNIS</titleOfClass>
    <cusip>33740F805</cusip>
    <value>846438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3144</Sole>
      <Shared>0</Shared>
      <None>15110</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>MLT MNGD LRG GRW</titleOfClass>
    <cusip>33740F789</cusip>
    <value>2221478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>943</Sole>
      <Shared>0</Shared>
      <None>130195</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
    <titleOfClass>ULTRA SHRT DUR</titleOfClass>
    <cusip>46090A887</cusip>
    <value>230160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>4645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIVE NATION ENTERTAINMENT IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>538034109</cusip>
    <value>203560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1635</Sole>
      <Shared>0</Shared>
      <None>830</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>EMERG MKT ALPH</titleOfClass>
    <cusip>33737J182</cusip>
    <value>863560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>40402</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>FTSE INT GVT ETF</titleOfClass>
    <cusip>78464A490</cusip>
    <value>216383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>3783</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>MID CP GR ALPH</titleOfClass>
    <cusip>33737M102</cusip>
    <value>209020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>3821</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHIFT TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>82452T107</cusip>
    <value>10093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SESEN BIO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>817763105</cusip>
    <value>12075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>172908105</cusip>
    <value>212339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>206</Sole>
      <Shared>0</Shared>
      <None>362</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN LTS FD TR IV</nameOfIssuer>
    <titleOfClass>INSPIRE 100 ESG</titleOfClass>
    <cusip>66538H534</cusip>
    <value>1121860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38416</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>345</Sole>
      <Shared>0</Shared>
      <None>38071</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCUGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67577C105</cusip>
    <value>34050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLOR STAR TECHNOLOGY CO LTD</nameOfIssuer>
    <titleOfClass>SHS NEW</titleOfClass>
    <cusip>G2287A100</cusip>
    <value>1497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>11300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONIM TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>83548F200</cusip>
    <value>6343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>11600</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>844741108</cusip>
    <value>258655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2366</Sole>
      <Shared>0</Shared>
      <None>4795</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>APTUS DRAWDOWN</titleOfClass>
    <cusip>26922A784</cusip>
    <value>1030491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>439</Sole>
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      <None>29413</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>760759100</cusip>
    <value>222740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>602</Sole>
      <Shared>0</Shared>
      <None>1096</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
    <cusip>464288646</cusip>
    <value>642112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4969</Sole>
      <Shared>0</Shared>
      <None>7734</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CNS PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>18978H102</cusip>
    <value>4458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15921</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>46138B103</cusip>
    <value>340193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3382</Sole>
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      <None>9388</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISLINK TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92836Y300</cusip>
    <value>8925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEELOS THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81577F109</cusip>
    <value>10201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6995</Sole>
      <Shared>0</Shared>
      <None>8000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
    <cusip>464287671</cusip>
    <value>265220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2559</Sole>
      <Shared>0</Shared>
      <None>610</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
    <titleOfClass>ETFMG ALTR HRVST</titleOfClass>
    <cusip>26924G508</cusip>
    <value>102652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>10588</Sole>
      <Shared>0</Shared>
      <None>7111</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>206070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1140</Sole>
      <Shared>0</Shared>
      <None>1367</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SOS LIMITED</nameOfIssuer>
    <titleOfClass>SPNSORD ADS NEW</titleOfClass>
    <cusip>83587W106</cusip>
    <value>2862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN WELL CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>03044L105</cusip>
    <value>51231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11859</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>11859</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FST LOW OPPT EFT</titleOfClass>
    <cusip>33739Q200</cusip>
    <value>3051735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1747</Sole>
      <Shared>0</Shared>
      <None>61436</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>894366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>724</Sole>
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      <None>7404</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>317762</value>
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      <sshPrnamt>4138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1029</Sole>
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      <None>3109</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>DOW JONES US ETF</titleOfClass>
    <cusip>464287846</cusip>
    <value>256179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2774</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>2774</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>601017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1451</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>609</Sole>
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      <None>842</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTAR GRWT</titleOfClass>
    <cusip>464287119</cusip>
    <value>212181</value>
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      <sshPrnamt>4236</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1431</Sole>
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      <None>2805</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>INDXX NEXTG ETF</titleOfClass>
    <cusip>33737K205</cusip>
    <value>282118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4378</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>633</Sole>
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      <None>3745</None>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P METALS MNG</titleOfClass>
    <cusip>78464A755</cusip>
    <value>203589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>4691</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CINGULATE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17248W105</cusip>
    <value>21900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AWR MSCI USA</titleOfClass>
    <cusip>46435G425</cusip>
    <value>2137744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>463</Sole>
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      <None>25017</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TELEFONICA S A</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>879382208</cusip>
    <value>201778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>39333</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>GENOMIC REV ETF</titleOfClass>
    <cusip>00214Q302</cusip>
    <value>401718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1295</Sole>
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      <None>11462</None>
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  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>246256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>513</Sole>
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      <None>570</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENSYSCE BIOSCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293602108</cusip>
    <value>10308</value>
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      <sshPrnamt>11870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>11870</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EATON VANCE TAX-MANAGED GLOB</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27829F108</cusip>
    <value>117192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>15000</Sole>
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      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TMC THE METALS COMPANY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87261Y106</cusip>
    <value>12696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>12326</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRILOGY METALS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89621C105</cusip>
    <value>7566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>4522601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>856</Sole>
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      <None>15251</None>
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  <infoTable>
    <nameOfIssuer>AMESITE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>031094105</cusip>
    <value>6952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15113</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>15113</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
    <titleOfClass>ISHARES</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>910862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48866</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>2748</Sole>
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      <None>46118</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ONECONNECT FINL TECHNOLOGY C</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>68248T105</cusip>
    <value>21134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12359</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>12359</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS HOME &amp; SEC IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34964C106</cusip>
    <value>214131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3576</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>3576</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RUSH STREET INTERACTIVE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>782011100</cusip>
    <value>70050</value>
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      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>15000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>BLACKROCK ULTRA</titleOfClass>
    <cusip>46434V878</cusip>
    <value>234690</value>
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      <sshPrnamt>4690</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>3515</Sole>
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      <None>1175</None>
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  <infoTable>
    <nameOfIssuer>ENEL CHILE S.A.</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>29278D105</cusip>
    <value>16650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
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    <otherManager>2</otherManager>
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      <Sole>15000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TEUCRIUM COMMODITY TR</nameOfIssuer>
    <titleOfClass>WHEAT FD</titleOfClass>
    <cusip>88166A508</cusip>
    <value>96574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10683</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>10683</Sole>
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      <None>0</None>
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    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>1048719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14529</sshPrnamt>
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      <None>11067</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>1054091</value>
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      <sshPrnamt>27035</sshPrnamt>
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      <Sole>932</Sole>
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      <None>26103</None>
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  <infoTable>
    <nameOfIssuer>HOTH THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>44148G105</cusip>
    <value>6288</value>
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      <sshPrnamt>15000</sshPrnamt>
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      <Sole>15000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NUVEEN PFD &amp; INCOME OPPORTUN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67073B106</cusip>
    <value>86408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11281</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9231</Sole>
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      <None>2050</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>190586</value>
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      <sshPrnamt>18203</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>14974</Sole>
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      <None>3229</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CONSER ALLOC ETF</titleOfClass>
    <cusip>464289883</cusip>
    <value>242716</value>
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      <sshPrnamt>7021</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>7021</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VILLAGE FARMS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92707Y108</cusip>
    <value>36065</value>
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      <sshPrnamt>13818</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>12818</Sole>
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      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
    <titleOfClass>BLOCKCHAIN LDR</titleOfClass>
    <cusip>032108607</cusip>
    <value>433532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23912</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>5919</Sole>
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      <None>17993</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>US EQT BUFFER</titleOfClass>
    <cusip>33740F763</cusip>
    <value>401370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1100</Sole>
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      <None>10654</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>TCW SECURITIZED</titleOfClass>
    <cusip>33740U109</cusip>
    <value>1634287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1900</Sole>
      <Shared>0</Shared>
      <None>70000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AON PLC</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>316905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>839</Sole>
      <Shared>0</Shared>
      <None>336</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>SR LN ETF</titleOfClass>
    <cusip>46138G508</cusip>
    <value>427738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>10652</Sole>
      <Shared>0</Shared>
      <None>10450</None>
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  <infoTable>
    <nameOfIssuer>PASITHEA THERAPEUTICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70261F103</cusip>
    <value>12120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>12000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD</nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD</titleOfClass>
    <cusip>46090F100</cusip>
    <value>2161733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119830</sshPrnamt>
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      <Sole>13825</Sole>
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      <None>106005</None>
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  <infoTable>
    <nameOfIssuer>PIONEER FLOATING RATE FUND I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72369J102</cusip>
    <value>89937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10128</sshPrnamt>
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      <Sole>10128</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US TREAS BD ETF</titleOfClass>
    <cusip>46429B267</cusip>
    <value>1042542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43621</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>10568</Sole>
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      <None>33053</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>914596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22417</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1460</Sole>
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      <None>20957</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>472837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>123</Sole>
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      <None>1885</None>
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  <infoTable>
    <nameOfIssuer>MESA AIR GROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>590479135</cusip>
    <value>31755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>14500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>MATERIALS ETF</titleOfClass>
    <cusip>92204A801</cusip>
    <value>211958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>158</Sole>
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      <None>1165</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE TOTAL USD</titleOfClass>
    <cusip>46434V613</cusip>
    <value>1037630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22162</sshPrnamt>
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      <Sole>1347</Sole>
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      <None>20815</None>
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  <infoTable>
    <nameOfIssuer>BOS BETTER ONLINE SOLUTIONS</nameOfIssuer>
    <titleOfClass>SHS NEW NIS 80</titleOfClass>
    <cusip>M20115180</cusip>
    <value>32850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALTO INGREDIENTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>021513106</cusip>
    <value>57932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>13615</Sole>
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      <None>2000</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>17877507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2350</Sole>
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      <None>173471</None>
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  <infoTable>
    <nameOfIssuer>CANOPY GROWTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>138035100</cusip>
    <value>48109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>12594</Sole>
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      <None>4290</None>
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  <infoTable>
    <nameOfIssuer>MY SIZE INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>62844N208</cusip>
    <value>2865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>15000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EATON VANCE MUNI INCOME TRUS</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>27826U108</cusip>
    <value>133260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12181</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2642</Sole>
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      <None>9539</None>
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  <infoTable>
    <nameOfIssuer>BOYD GAMING CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>103304101</cusip>
    <value>212931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4269</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>611</Sole>
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      <None>3658</None>
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  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>7554982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54953</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>181</Sole>
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      <None>54772</None>
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  <infoTable>
    <nameOfIssuer>PRECISION BIOSCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74019P108</cusip>
    <value>26053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16283</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>15000</Sole>
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      <None>1283</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>INSTL PFD SECS</titleOfClass>
    <cusip>33739P855</cusip>
    <value>503807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28425</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1799</Sole>
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      <None>26626</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CALLAWAY GOLF CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>131193104</cusip>
    <value>224522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11006</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>10006</Sole>
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      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>INTL EQUITY OPP</titleOfClass>
    <cusip>33734X853</cusip>
    <value>439828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2551</Sole>
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      <None>7602</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF</titleOfClass>
    <cusip>46434V647</cusip>
    <value>362108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>411</Sole>
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      <None>14565</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ENHAN SHRT MA AC</titleOfClass>
    <cusip>72201R833</cusip>
    <value>1493644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15071</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2523</Sole>
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      <None>12548</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>220004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>487</Sole>
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      <None>2965</None>
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  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US 500 ENH</titleOfClass>
    <cusip>92647N782</cusip>
    <value>290953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4528</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1903</Sole>
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      <None>2625</None>
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  <infoTable>
    <nameOfIssuer>CRONOS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22717L101</cusip>
    <value>42142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>13000</Sole>
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      <None>1944</None>
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  <infoTable>
    <nameOfIssuer>LLOYDS BANKING GROUP PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>539439109</cusip>
    <value>30525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14963</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>14963</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>RBTCS ARTFL INTE</titleOfClass>
    <cusip>37954Y715</cusip>
    <value>275486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1057</Sole>
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      <None>12472</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>773014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1466</Sole>
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      <None>6577</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>3112260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1897</Sole>
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      <None>21843</None>
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  <infoTable>
    <nameOfIssuer>CLARUS THERAPEUTICS HLDNGS I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>18271L107</cusip>
    <value>4465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>11685</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACCELERATE DIAGNOSTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00430H102</cusip>
    <value>12018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2866</Sole>
      <Shared>0</Shared>
      <None>9240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>360649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>588</Sole>
      <Shared>0</Shared>
      <None>1505</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL</titleOfClass>
    <cusip>46429B697</cusip>
    <value>1183376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3553</Sole>
      <Shared>0</Shared>
      <None>13302</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>PFD ETF</titleOfClass>
    <cusip>46138E511</cusip>
    <value>173718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>9534</Sole>
      <Shared>0</Shared>
      <None>4544</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATSCO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>942622200</cusip>
    <value>293987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>410</Sole>
      <Shared>0</Shared>
      <None>821</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERSHING SQUARE TONTINE HLDG</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>71531R109</cusip>
    <value>319320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEMASYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31447E105</cusip>
    <value>24647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVERUM BIOTECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00773U108</cusip>
    <value>17796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL HIGH ETF</titleOfClass>
    <cusip>921946794</cusip>
    <value>719053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1260</Sole>
      <Shared>0</Shared>
      <None>10965</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>1246778</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1344</Sole>
      <Shared>0</Shared>
      <None>38299</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASPEN GROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>04530L203</cusip>
    <value>14700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>360989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3248</Sole>
      <Shared>0</Shared>
      <None>4039</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-INDS</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>1042293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1732</Sole>
      <Shared>0</Shared>
      <None>10202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL BK CDA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>780087102</cusip>
    <value>281957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2606</Sole>
      <Shared>0</Shared>
      <None>306</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GRWT ALLOCAT ETF</titleOfClass>
    <cusip>464289867</cusip>
    <value>494400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4560</Sole>
      <Shared>0</Shared>
      <None>5740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>COMM SRVC ETF</titleOfClass>
    <cusip>92204A884</cusip>
    <value>250597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2613</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>CLOUD COMPUTNG</titleOfClass>
    <cusip>97717Y691</cusip>
    <value>333165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3176</Sole>
      <Shared>0</Shared>
      <None>8710</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR LRG CP VL ALPHADEX</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735J101</cusip>
    <value>2387905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>329</Sole>
      <Shared>0</Shared>
      <None>38117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY MEDIA ACQUISITION CO</nameOfIssuer>
    <titleOfClass>COM SR A</titleOfClass>
    <cusip>53073L104</cusip>
    <value>254177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>25831</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENNIAL RESOURCE DEV INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>15136A102</cusip>
    <value>88546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14807</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14807</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>216164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>437</Sole>
      <Shared>0</Shared>
      <None>796</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>606984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>453</Sole>
      <Shared>0</Shared>
      <None>2469</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. REAL ES ETF</titleOfClass>
    <cusip>464287739</cusip>
    <value>486135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1887</Sole>
      <Shared>0</Shared>
      <None>3398</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDPILOT US BD</titleOfClass>
    <cusip>69374H642</cusip>
    <value>1099628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>9077</Sole>
      <Shared>0</Shared>
      <None>42068</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITAU UNIBANCO HLDG S A</nameOfIssuer>
    <titleOfClass>SPON ADR REP PFD</titleOfClass>
    <cusip>465562106</cusip>
    <value>44944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>8402</Sole>
      <Shared>0</Shared>
      <None>2099</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>6689638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>14</Sole>
      <Shared>0</Shared>
      <None>35452</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>220534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2946</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>E-HOME HOUSEHOLD SVC HLDGS L</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G2952X104</cusip>
    <value>4455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>2408263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1638</Sole>
      <Shared>0</Shared>
      <None>25412</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>1201238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>503</Sole>
      <Shared>0</Shared>
      <None>5319</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WP CAREY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92936U109</cusip>
    <value>300294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2189</Sole>
      <Shared>0</Shared>
      <None>1417</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT</titleOfClass>
    <cusip>46434G103</cusip>
    <value>4162336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84842</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2742</Sole>
      <Shared>0</Shared>
      <None>82100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA VALUE</titleOfClass>
    <cusip>46432F388</cusip>
    <value>944453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2116</Sole>
      <Shared>0</Shared>
      <None>8318</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
    <titleOfClass>PRIME JUNIR SLVR</titleOfClass>
    <cusip>26924G102</cusip>
    <value>124762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4969</Sole>
      <Shared>0</Shared>
      <None>8150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMBIO DIAGNOSTICS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>163572209</cusip>
    <value>10683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>1435</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>FALN ANGLS USD</titleOfClass>
    <cusip>46435G474</cusip>
    <value>415088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>7402</Sole>
      <Shared>0</Shared>
      <None>9458</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HYCROFT MINING HOLDING CORP</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>44862P109</cusip>
    <value>16650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCE CAP GREENWICH FD</nameOfIssuer>
    <titleOfClass>IPO ETF</titleOfClass>
    <cusip>759937204</cusip>
    <value>243921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1618</Sole>
      <Shared>0</Shared>
      <None>6483</None>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>AEROSPACE DEF</titleOfClass>
    <cusip>78464A631</cusip>
    <value>307677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1199</Sole>
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      <None>1859</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
    <cusip>92206C771</cusip>
    <value>200614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3750</Sole>
      <Shared>0</Shared>
      <None>446</None>
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  <infoTable>
    <nameOfIssuer>ELYS GAME TECHNOLOGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>290734102</cusip>
    <value>11247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15300</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI WORLD ETF</titleOfClass>
    <cusip>464286392</cusip>
    <value>225731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>161</Sole>
      <Shared>0</Shared>
      <None>1951</None>
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  <infoTable>
    <nameOfIssuer>HEXO CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>428304307</cusip>
    <value>3150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>15000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PLATINUM GROUP METALS LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>72765Q882</cusip>
    <value>16163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12245</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>12245</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR VALUE LINE DIVID IN</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>33734H106</cusip>
    <value>9397584</value>
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      <sshPrnamt>242035</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>43</Sole>
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      <None>241992</None>
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  <infoTable>
    <nameOfIssuer>GREENBOX POS</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>39366L208</cusip>
    <value>12915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>12300</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>DEV MRK EX US</titleOfClass>
    <cusip>33737J174</cusip>
    <value>457110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>32</Sole>
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      <None>9512</None>
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  <infoTable>
    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>FINTECH INNOVA</titleOfClass>
    <cusip>00214Q708</cusip>
    <value>343661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>4996</Sole>
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      <None>17190</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>UTILITIES ETF</titleOfClass>
    <cusip>92204A876</cusip>
    <value>202442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1329</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>301</Sole>
      <Shared>0</Shared>
      <None>1028</None>
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  <infoTable>
    <nameOfIssuer>CALYXT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13173L107</cusip>
    <value>3622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14996</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI EMERG MRKT</titleOfClass>
    <cusip>464286533</cusip>
    <value>526355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3218</Sole>
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      <None>6278</None>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>VIDEO GMNG ESPRT</titleOfClass>
    <cusip>92189F114</cusip>
    <value>240116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1058</Sole>
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      <None>3978</None>
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  <infoTable>
    <nameOfIssuer>NOVABAY PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>66987P201</cusip>
    <value>3719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14877</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LKQ CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>501889208</cusip>
    <value>239412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>4877</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>CONSUM STP ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>6075980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1053</Sole>
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      <None>31730</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P500 HDL VOL</titleOfClass>
    <cusip>46138E362</cusip>
    <value>341471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>506</Sole>
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      <None>7230</None>
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  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>377569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1192</Sole>
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      <None>3938</None>
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  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>969457100</cusip>
    <value>207175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4942</Sole>
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      <None>1673</None>
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  <infoTable>
    <nameOfIssuer>IRONNET INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46323Q105</cusip>
    <value>33150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRICKELL BIOTECH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>10802T105</cusip>
    <value>1890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>2188318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2063</Sole>
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      <None>17148</None>
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  <infoTable>
    <nameOfIssuer>BRIDGETOWN HOLDINGS LTD</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>G1355U113</cusip>
    <value>155099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>15635</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CERAGON NETWORKS LTD</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>M22013102</cusip>
    <value>34053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11250</Sole>
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      <None>2000</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>MANAGD MUN ETF</titleOfClass>
    <cusip>33739N108</cusip>
    <value>232502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4594</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>2882</Sole>
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      <None>1712</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LRG CAP ETF</titleOfClass>
    <cusip>808524201</cusip>
    <value>289755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>521</Sole>
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      <None>5967</None>
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  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA ARGENTA</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>05946K101</cusip>
    <value>63782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14111</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>TECH ALPHADEX</titleOfClass>
    <cusip>33734X176</cusip>
    <value>460104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2193</Sole>
      <Shared>0</Shared>
      <None>2696</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SIYATA MOBILE INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>83013Q509</cusip>
    <value>16350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF</titleOfClass>
    <cusip>46429B655</cusip>
    <value>1401309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4589</Sole>
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      <None>23482</None>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT</titleOfClass>
    <cusip>78464A474</cusip>
    <value>289184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>8367</Sole>
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      <None>1360</None>
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  <infoTable>
    <nameOfIssuer>AMEREN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023608102</cusip>
    <value>204846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>2079</Sole>
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      <None>188</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DWA INDLS MUMT</titleOfClass>
    <cusip>46137V845</cusip>
    <value>243991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>105</Sole>
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      <None>2915</None>
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  <infoTable>
    <nameOfIssuer>TPG PACE BEN FIN CORP</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>G8990D125</cusip>
    <value>114966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>11601</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENJOY TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29335V106</cusip>
    <value>3254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIDELITY COMWLTH TR</nameOfIssuer>
    <titleOfClass>NASDAQ COMPSIT</titleOfClass>
    <cusip>315912808</cusip>
    <value>334043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1130</Sole>
      <Shared>0</Shared>
      <None>6611</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>256090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6271</Sole>
      <Shared>0</Shared>
      <None>907</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES U S ETF TR</nameOfIssuer>
    <titleOfClass>INT RT HDG C B</titleOfClass>
    <cusip>46431W705</cusip>
    <value>346217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1441</Sole>
      <Shared>0</Shared>
      <None>2395</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HAPPINESS DEVELOPMENT GRP LT</nameOfIssuer>
    <titleOfClass>ORD SHS CL A</titleOfClass>
    <cusip>G4289N114</cusip>
    <value>2751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>13100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>205829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1475</Sole>
      <Shared>0</Shared>
      <None>1321</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>6636274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>79440</Sole>
      <Shared>0</Shared>
      <None>1500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SMILEDIRECTCLUB INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>83192H106</cusip>
    <value>13500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>12156</Sole>
      <Shared>0</Shared>
      <None>825</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROSPECT CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74348T102</cusip>
    <value>77230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3429</Sole>
      <Shared>0</Shared>
      <None>7555</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AVROBIO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05455M100</cusip>
    <value>13800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NORDIC AMERICAN TANKERS LIMI</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G65773106</cusip>
    <value>22821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10714</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE MIN VL</titleOfClass>
    <cusip>46429B689</cusip>
    <value>799477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3281</Sole>
      <Shared>0</Shared>
      <None>9347</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>ENERGY ETF</titleOfClass>
    <cusip>92204A306</cusip>
    <value>242916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>777</Sole>
      <Shared>0</Shared>
      <None>1665</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. ENERGY ETF</titleOfClass>
    <cusip>464287796</cusip>
    <value>361701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1468</Sole>
      <Shared>0</Shared>
      <None>8020</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTPORT FUEL SYSTEMS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>960908309</cusip>
    <value>16097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>938</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>ARK SPACE EXPL</titleOfClass>
    <cusip>00214Q807</cusip>
    <value>202981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1275</Sole>
      <Shared>0</Shared>
      <None>13839</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT</titleOfClass>
    <cusip>46432F339</cusip>
    <value>1083232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2208</Sole>
      <Shared>0</Shared>
      <None>7487</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BBG CONV SEC ETF</titleOfClass>
    <cusip>78464A359</cusip>
    <value>219814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2821</Sole>
      <Shared>0</Shared>
      <None>584</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
    <titleOfClass>OSHS GBL INTER</titleOfClass>
    <cusip>00162Q361</cusip>
    <value>578648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>825</Sole>
      <Shared>0</Shared>
      <None>20551</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>SPDR TR TACTIC</titleOfClass>
    <cusip>78467V848</cusip>
    <value>757443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>17</Sole>
      <Shared>0</Shared>
      <None>17940</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
    <value>307554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3400</Sole>
      <Shared>0</Shared>
      <None>2281</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>323157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>886</Sole>
      <Shared>0</Shared>
      <None>535</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>69608A108</cusip>
    <value>215920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>14200</Sole>
      <Shared>0</Shared>
      <None>9606</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOLID POWER INC</nameOfIssuer>
    <titleOfClass>*W EXP 12/08/202</titleOfClass>
    <cusip>83422N113</cusip>
    <value>16050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>13800</Sole>
      <Shared>0</Shared>
      <None>1200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRITSTONE BIO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>39868T105</cusip>
    <value>31039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>12826</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US TIPS ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>2988151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2116</Sole>
      <Shared>0</Shared>
      <None>51435</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
    <cusip>33738R506</cusip>
    <value>4970809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121473</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1308</Sole>
      <Shared>0</Shared>
      <None>120165</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>RUSSELL 2000</titleOfClass>
    <cusip>37954Y459</cusip>
    <value>212877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>10324</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOHEALTH INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>38046W105</cusip>
    <value>9028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>695156109</cusip>
    <value>264425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1796</Sole>
      <Shared>0</Shared>
      <None>126</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>233331107</cusip>
    <value>210759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1549</Sole>
      <Shared>0</Shared>
      <None>113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FARMMI INC</nameOfIssuer>
    <titleOfClass>SHS NEW</titleOfClass>
    <cusip>G33277123</cusip>
    <value>13650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>13000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>1385807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3237</Sole>
      <Shared>0</Shared>
      <None>44815</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NASDQ OIL GAS</titleOfClass>
    <cusip>33738R845</cusip>
    <value>1419409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3286</Sole>
      <Shared>0</Shared>
      <None>57229</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOCIAL CAPITAL HEDOSOPHA HLD</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>G8251L105</cusip>
    <value>571869</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>57590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>LITHIUM BTRY ETF</titleOfClass>
    <cusip>37954Y855</cusip>
    <value>1015620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>372</Sole>
      <Shared>0</Shared>
      <None>13602</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIRKLANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>497498105</cusip>
    <value>35605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MBS ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>721342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2231</Sole>
      <Shared>0</Shared>
      <None>5168</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTWATER RES INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>961684206</cusip>
    <value>10800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CONV BD ETF</titleOfClass>
    <cusip>46435G102</cusip>
    <value>266274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3839</sshPrnamt>
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      <Sole>2220</Sole>
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      <None>1619</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>US INFR DEV ETF</titleOfClass>
    <cusip>37954Y673</cusip>
    <value>559965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24544</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11043</Sole>
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      <None>13501</None>
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    <nameOfIssuer>FIRST TR NASDAQ 100 TECH IND</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>337345102</cusip>
    <value>524227</value>
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      <sshPrnamt>4582</sshPrnamt>
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      <Sole>1853</Sole>
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      <None>2729</None>
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    <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>35671D857</cusip>
    <value>214472</value>
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      <sshPrnamt>7330</sshPrnamt>
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      <None>2880</None>
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    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP INDEX</titleOfClass>
    <cusip>921910873</cusip>
    <value>10030503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76098</sshPrnamt>
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      <None>75108</None>
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    <nameOfIssuer>VANGUARD WELLINGTON FD</nameOfIssuer>
    <titleOfClass>US VALUE FACTR</titleOfClass>
    <cusip>921935805</cusip>
    <value>206702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2263</sshPrnamt>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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    <cusip>92189F676</cusip>
    <value>326675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1603</sshPrnamt>
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      <Sole>809</Sole>
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      <None>794</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL TECH ETF</titleOfClass>
    <cusip>464287291</cusip>
    <value>301292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6593</sshPrnamt>
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      <Sole>4260</Sole>
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      <None>2333</None>
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    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>609207105</cusip>
    <value>366924</value>
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      <sshPrnamt>5899</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4019</Sole>
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      <None>1880</None>
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    <nameOfIssuer>PENNYMAC MTG INVT TR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>70931T103</cusip>
    <value>144980</value>
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      <sshPrnamt>10483</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>10483</Sole>
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      <None>0</None>
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    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>DEFIANCE NEXT</titleOfClass>
    <cusip>26922A289</cusip>
    <value>1604805</value>
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      <sshPrnamt>50930</sshPrnamt>
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      <Sole>2757</Sole>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>396871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9897</sshPrnamt>
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      <Sole>1020</Sole>
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      <None>8877</None>
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    <nameOfIssuer>JETBLUE AWYS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>477143101</cusip>
    <value>86069</value>
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      <sshPrnamt>10283</sshPrnamt>
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      <Sole>9983</Sole>
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      <None>300</None>
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  <infoTable>
    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>NEXT GNRTN INTER</titleOfClass>
    <cusip>00214Q401</cusip>
    <value>562338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11479</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2254</Sole>
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      <None>9225</None>
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    <nameOfIssuer>AYRO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>054748108</cusip>
    <value>9841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11745</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>11745</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>23ANDME HOLDING CO</nameOfIssuer>
    <titleOfClass>CLASS A COM</titleOfClass>
    <cusip>90138Q108</cusip>
    <value>32932</value>
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      <sshPrnamt>13279</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>13279</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>576256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>2405</Sole>
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      <None>3268</None>
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  <infoTable>
    <nameOfIssuer>RA MED SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74933X203</cusip>
    <value>4397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14000</sshPrnamt>
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      <Sole>14000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENDO INTL PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G30401106</cusip>
    <value>5821</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12500</sshPrnamt>
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      <Sole>12500</Sole>
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      <None>0</None>
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    <nameOfIssuer>AETERNA ZENTARIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007975402</cusip>
    <value>2952</value>
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      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>15000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE SMCAP ETF</titleOfClass>
    <cusip>922042718</cusip>
    <value>215435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>1852</Sole>
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      <None>235</None>
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  <infoTable>
    <nameOfIssuer>CANADIAN PAC RY LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13645T100</cusip>
    <value>256385</value>
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      <sshPrnamt>3671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3530</Sole>
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      <None>141</None>
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  <infoTable>
    <nameOfIssuer>ADIAL PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00688A106</cusip>
    <value>20100</value>
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      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>15000</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROCKET COS INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>77311W101</cusip>
    <value>88710</value>
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      <sshPrnamt>12053</sshPrnamt>
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      <Sole>10953</Sole>
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      <None>1100</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>264655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4093</sshPrnamt>
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      <Sole>793</Sole>
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      <None>3300</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>2072781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12239</sshPrnamt>
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      <Sole>644</Sole>
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      <None>11595</None>
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    <nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98389B100</cusip>
    <value>251926</value>
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      <sshPrnamt>3557</sshPrnamt>
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      <Sole>3080</Sole>
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      <None>477</None>
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    <nameOfIssuer>WEYERHAEUSER CO MTN BE</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>962166104</cusip>
    <value>370996</value>
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      <sshPrnamt>11202</sshPrnamt>
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      <Sole>7459</Sole>
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      <None>3743</None>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GL CLEAN ENE ETF</titleOfClass>
    <cusip>464288224</cusip>
    <value>201064</value>
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      <sshPrnamt>10555</sshPrnamt>
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      <Sole>1896</Sole>
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      <None>8659</None>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>253024</value>
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      <sshPrnamt>1885</sshPrnamt>
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      <Sole>1717</Sole>
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      <None>168</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPONENTIAL TECH</titleOfClass>
    <cusip>46434V381</cusip>
    <value>271140</value>
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      <sshPrnamt>5657</sshPrnamt>
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      <Sole>2099</Sole>
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  <infoTable>
    <nameOfIssuer>ESPORTS ENTMT GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29667K306</cusip>
    <value>5531</value>
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      <sshPrnamt>13490</sshPrnamt>
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      <Sole>13490</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FASTENAL CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>311900104</cusip>
    <value>224251</value>
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      <sshPrnamt>4492</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3135</Sole>
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      <None>1357</None>
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  <infoTable>
    <nameOfIssuer>ARCADIA BIOSCIENCES INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>039014204</cusip>
    <value>13136</value>
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      <sshPrnamt>13136</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>13136</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>FINL PFD ETF</titleOfClass>
    <cusip>46137V621</cusip>
    <value>180295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11602</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9902</Sole>
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      <None>1700</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. BAS MTL ETF</titleOfClass>
    <cusip>464287838</cusip>
    <value>250106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2124</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>34</Sole>
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      <None>2090</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>285356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1055</Sole>
      <Shared>0</Shared>
      <None>692</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>LUNT LRGCP MULTI</titleOfClass>
    <cusip>69374H816</cusip>
    <value>1694129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1509</Sole>
      <Shared>0</Shared>
      <None>47412</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>1098458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4989</Sole>
      <Shared>0</Shared>
      <None>16928</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>1617058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1591</Sole>
      <Shared>0</Shared>
      <None>25204</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BANCO BRADESCO S A</nameOfIssuer>
    <titleOfClass>SP ADR PFD NEW</titleOfClass>
    <cusip>059460303</cusip>
    <value>34726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IAMGOLD CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>450913108</cusip>
    <value>25760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>US EQTY OPPT ETF</titleOfClass>
    <cusip>336920103</cusip>
    <value>344735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>869</Sole>
      <Shared>0</Shared>
      <None>3327</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL BRANDS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25401N101</cusip>
    <value>2924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NAS CLNEDG GREEN</titleOfClass>
    <cusip>33733E500</cusip>
    <value>251553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2678</Sole>
      <Shared>0</Shared>
      <None>2141</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLY FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02005N100</cusip>
    <value>249381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3954</Sole>
      <Shared>0</Shared>
      <None>3488</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ADVANTAGE MUN INCOME</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>46132E103</cusip>
    <value>98195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10402</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EQUINOX GOLD CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29446Y502</cusip>
    <value>44871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10106</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GRAPHITE BIO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38870X104</cusip>
    <value>37675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>13700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>277432100</cusip>
    <value>308305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1795</Sole>
      <Shared>0</Shared>
      <None>1626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DBX ETF TR</nameOfIssuer>
    <titleOfClass>XTRACK USD HIGH</titleOfClass>
    <cusip>233051432</cusip>
    <value>281733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>5983</Sole>
      <Shared>0</Shared>
      <None>2370</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>976561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>470</Sole>
      <Shared>0</Shared>
      <None>4486</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871607107</cusip>
    <value>252982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>214</Sole>
      <Shared>0</Shared>
      <None>619</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA ESG SLC</titleOfClass>
    <cusip>464288802</cusip>
    <value>383842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1448</Sole>
      <Shared>0</Shared>
      <None>3309</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
    <cusip>78464A300</cusip>
    <value>1531544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>758</Sole>
      <Shared>0</Shared>
      <None>20393</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AEGON N V</nameOfIssuer>
    <titleOfClass>NY REGISTRY SHS</titleOfClass>
    <cusip>007924103</cusip>
    <value>64469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14719</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRANESHARES TR</nameOfIssuer>
    <titleOfClass>ELEC VEH FUTUR</titleOfClass>
    <cusip>500767827</cusip>
    <value>210679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1553</Sole>
      <Shared>0</Shared>
      <None>4422</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARDELYX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>039697107</cusip>
    <value>8849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>DJ INTERNT IDX</titleOfClass>
    <cusip>33733E302</cusip>
    <value>1705505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1266</Sole>
      <Shared>0</Shared>
      <None>12160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09062X103</cusip>
    <value>277766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1107</Sole>
      <Shared>0</Shared>
      <None>255</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
    <cusip>78464A854</cusip>
    <value>259799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>5081</Sole>
      <Shared>0</Shared>
      <None>778</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBALSTAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>378973408</cusip>
    <value>18450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>JUNIOR GOLD MINE</titleOfClass>
    <cusip>92189F791</cusip>
    <value>248224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4051</Sole>
      <Shared>0</Shared>
      <None>3706</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>CONSUMR DISCRE</titleOfClass>
    <cusip>33734X101</cusip>
    <value>351309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3604</Sole>
      <Shared>0</Shared>
      <None>4250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FUELCELL ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35952H601</cusip>
    <value>59269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>13335</Sole>
      <Shared>0</Shared>
      <None>2470</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>1103802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>217</Sole>
      <Shared>0</Shared>
      <None>18536</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARINGS BDC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>06759L103</cusip>
    <value>101125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10862</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MUDRICK CAPITAL ACQU CORP II</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>62477L107</cusip>
    <value>126101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>12510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>HLTH CARE ALPH</titleOfClass>
    <cusip>33734X143</cusip>
    <value>395156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>3753</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VELO3D INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92259N104</cusip>
    <value>19029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>13789</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>339311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2179</Sole>
      <Shared>0</Shared>
      <None>10214</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>DEFIANCE HTL AIR</titleOfClass>
    <cusip>26922B873</cusip>
    <value>1895000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>124130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>FINLS ALPHADEX</titleOfClass>
    <cusip>33734X135</cusip>
    <value>468920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4019</Sole>
      <Shared>0</Shared>
      <None>8050</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US CONSM STAPLES</titleOfClass>
    <cusip>464287812</cusip>
    <value>1282014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>209</Sole>
      <Shared>0</Shared>
      <None>6367</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RICEBRAN TECHNOLOGIES</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>762831204</cusip>
    <value>9916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CREATD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>225265107</cusip>
    <value>10507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>10900</Sole>
      <Shared>0</Shared>
      <None>3320</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DSS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26253C102</cusip>
    <value>3513</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>CBOE VEST US EQ</titleOfClass>
    <cusip>33740F755</cusip>
    <value>1931121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3240</Sole>
      <Shared>0</Shared>
      <None>86747</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG</titleOfClass>
    <cusip>78464A698</cusip>
    <value>273262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3588</Sole>
      <Shared>0</Shared>
      <None>1116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US TRSPRTION</titleOfClass>
    <cusip>464287192</cusip>
    <value>202681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>952</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>574219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1419</Sole>
      <Shared>0</Shared>
      <None>4883</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
    <titleOfClass>VG TL INTL STK F</titleOfClass>
    <cusip>921909768</cusip>
    <value>1093984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2505</Sole>
      <Shared>0</Shared>
      <None>18692</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>AUTNMUS TECHNLGY</titleOfClass>
    <cusip>00214Q203</cusip>
    <value>386527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>556</Sole>
      <Shared>0</Shared>
      <None>7162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARTELO BIOSCIENCES INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>04301G201</cusip>
    <value>4752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>22ND CENTY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90137F103</cusip>
    <value>31950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TRUST LRGCP GWT ALPHAD</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735K108</cusip>
    <value>1748786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1550</Sole>
      <Shared>0</Shared>
      <None>18291</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>30212P303</cusip>
    <value>205971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1453</Sole>
      <Shared>0</Shared>
      <None>719</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ADVISORSHARES TR</nameOfIssuer>
    <titleOfClass>RANGER EQUITY BE</titleOfClass>
    <cusip>00768Y412</cusip>
    <value>987076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>7828</Sole>
      <Shared>0</Shared>
      <None>22970</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOCIAL CAPITAL HEDOSOPHA HLD</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>G82514103</cusip>
    <value>389405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>39215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>APREA THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03836J102</cusip>
    <value>11025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>14700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>248723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>901</Sole>
      <Shared>0</Shared>
      <None>128</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GUARDION HEALTH SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40145Q401</cusip>
    <value>2169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
    <cusip>464287887</cusip>
    <value>304273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>267</Sole>
      <Shared>0</Shared>
      <None>2622</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>1601789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3184</Sole>
      <Shared>0</Shared>
      <None>18099</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>455627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>639</Sole>
      <Shared>0</Shared>
      <None>1444</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>322582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>639</Sole>
      <Shared>0</Shared>
      <None>814</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SWITCH INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>87105L104</cusip>
    <value>249676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>7453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR LRGE CP CORE ALPHA</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33734K109</cusip>
    <value>208888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1306</Sole>
      <Shared>0</Shared>
      <None>1440</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEARTBEAM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42238H108</cusip>
    <value>19350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
    <cusip>464288281</cusip>
    <value>271539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2417</Sole>
      <Shared>0</Shared>
      <None>766</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>248934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>599</Sole>
      <Shared>0</Shared>
      <None>1077</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>PFD SECS INC ETF</titleOfClass>
    <cusip>33739E108</cusip>
    <value>2197061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>14496</Sole>
      <Shared>0</Shared>
      <None>113014</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH</titleOfClass>
    <cusip>464287556</cusip>
    <value>535044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2123</Sole>
      <Shared>0</Shared>
      <None>2426</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORMEDIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>21900C308</cusip>
    <value>41868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10415</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENEW ENERGY GLOBAL PLC</nameOfIssuer>
    <titleOfClass>CL A SHS</titleOfClass>
    <cusip>G7500M104</cusip>
    <value>67288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IM CANNABIS CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>44969Q208</cusip>
    <value>9575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>TCW UNCONSTRAI</titleOfClass>
    <cusip>33740F888</cusip>
    <value>4839456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>815</Sole>
      <Shared>0</Shared>
      <None>196711</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>3890281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1694</Sole>
      <Shared>0</Shared>
      <None>8582</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>AGGRES ALLOC ETF</titleOfClass>
    <cusip>464289859</cusip>
    <value>250700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4121</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>CAP STRENGTH ETF</titleOfClass>
    <cusip>33733E104</cusip>
    <value>7765054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>797</Sole>
      <Shared>0</Shared>
      <None>110217</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLEGHANY CORP MD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>017175100</cusip>
    <value>325742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>151</Sole>
      <Shared>0</Shared>
      <None>240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>CLOUD COMPUTING</titleOfClass>
    <cusip>33734X192</cusip>
    <value>924137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2479</Sole>
      <Shared>0</Shared>
      <None>11544</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTRESS VALUE ACQUIS CORP I</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>34964G107</cusip>
    <value>196602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>20000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GAMING &amp; HOSPITALITY ACQU CO</nameOfIssuer>
    <titleOfClass>*W EXP 02/04/202</titleOfClass>
    <cusip>364681114</cusip>
    <value>7164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>59752</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIGHTJUMP ACQUISITION CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>53228M106</cusip>
    <value>102218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10232</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRIME NO ACQUISITION I CORP</nameOfIssuer>
    <titleOfClass>UNIT 07/31/2027</titleOfClass>
    <cusip>74168P206</cusip>
    <value>403000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>40300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REDBALL ACQUISITION CORP</nameOfIssuer>
    <titleOfClass>*W EXP 08/17/202</titleOfClass>
    <cusip>G7417R113</cusip>
    <value>329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISRUPTIVE ACQUISITION CORP</nameOfIssuer>
    <titleOfClass>*W EXP 03/06/202</titleOfClass>
    <cusip>G2770Y128</cusip>
    <value>1050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>17500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VELOCITY ACQUISITION CORP</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92259E104</cusip>
    <value>105115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLIMATEROCK</nameOfIssuer>
    <titleOfClass>UNIT 04/25/2027</titleOfClass>
    <cusip>G2311X126</cusip>
    <value>438575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>43770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EPIPHANY TECHNOLOGY ACQUISIT</nameOfIssuer>
    <titleOfClass>*W EXP 01/12/202</titleOfClass>
    <cusip>29429X117</cusip>
    <value>828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>10800</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FTAC ZEUS ACQUISITION COR</nameOfIssuer>
    <titleOfClass>*W EXP 04/15/202</titleOfClass>
    <cusip>30320F114</cusip>
    <value>1800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACK CREEK INVESTMENT CORP</nameOfIssuer>
    <titleOfClass>*W EXP 10/01/202</titleOfClass>
    <cusip>G4989X123</cusip>
    <value>1600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>20000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GORES HOLDINGS IX INC</nameOfIssuer>
    <titleOfClass>CLASS A COM</titleOfClass>
    <cusip>38287A101</cusip>
    <value>100662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW VISTA ACQUISITION CORP</nameOfIssuer>
    <titleOfClass>*W EXP 02/01/202</titleOfClass>
    <cusip>G6529L121</cusip>
    <value>4105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>36620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW VISTA ACQUISITION CORP</nameOfIssuer>
    <titleOfClass>UNIT 02/01/2026</titleOfClass>
    <cusip>G6529L113</cusip>
    <value>122400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>12439</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MSD ACQUISITION CORP</nameOfIssuer>
    <titleOfClass>CLASS A ORD SHS</titleOfClass>
    <cusip>G5709C109</cusip>
    <value>97900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW VISTA ACQUISITION CORP</nameOfIssuer>
    <titleOfClass>CL A SHS</titleOfClass>
    <cusip>G6529L105</cusip>
    <value>119961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>12216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RXR ACQUISITION CORP</nameOfIssuer>
    <titleOfClass>CLASS A COM</titleOfClass>
    <cusip>74981W107</cusip>
    <value>98879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BITE ACQUISITION CORP</nameOfIssuer>
    <titleOfClass>*W EXP 02/12/203</titleOfClass>
    <cusip>09175K113</cusip>
    <value>2238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>25549</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PINE IS ACQUISITION CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>722615101</cusip>
    <value>156785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>15885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TPG PACE BENEFICIAL II CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G89826104</cusip>
    <value>98273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOAL ACQUISITIONS CORP</nameOfIssuer>
    <titleOfClass>*W EXP 02/11/202</titleOfClass>
    <cusip>38021H115</cusip>
    <value>5975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>59746</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARCTOS NORTHSTAR ACQUIS CORP</nameOfIssuer>
    <titleOfClass>*W EXP 99/99/999</titleOfClass>
    <cusip>G0477L126</cusip>
    <value>1553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>12500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DHB CAPITAL CORP</nameOfIssuer>
    <titleOfClass>*W EXP 03/31/202</titleOfClass>
    <cusip>23291W117</cusip>
    <value>1452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>12100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUPERNOVA PARTN ACQ CO III L</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>G8T90F102</cusip>
    <value>166260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>17000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONUMENT CIRCLE ACQUISITN CO</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>61531M101</cusip>
    <value>99153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10097</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BITE ACQUISITION CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09175K105</cusip>
    <value>135329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>13795</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Z-WORK ACQUISITION CORP</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>98880C102</cusip>
    <value>101480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FOREST ROAD ACQUISITION COR</nameOfIssuer>
    <titleOfClass>UNIT 99/99/9999</titleOfClass>
    <cusip>34619V202</cusip>
    <value>98980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>10100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MONUMENT CIRCLE ACQUISITN CO</nameOfIssuer>
    <titleOfClass>*W EXP 01/14/202</titleOfClass>
    <cusip>61531M119</cusip>
    <value>7175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>71748</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FIRST TR ENH NEW</titleOfClass>
    <cusip>33739Q408</cusip>
    <value>13523397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>227530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>227530</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
    <titleOfClass>FST TR GLB FD</titleOfClass>
    <cusip>33739H101</cusip>
    <value>608341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22733</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SMID RISNG ETF</titleOfClass>
    <cusip>33741X102</cusip>
    <value>517838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21685</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>AEROSPACE DEFN</titleOfClass>
    <cusip>46137V100</cusip>
    <value>337571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4816</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF</titleOfClass>
    <cusip>46429B663</cusip>
    <value>2215496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22060</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI TOTAL</titleOfClass>
    <cusip>46432F834</cusip>
    <value>8298623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>145513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>3220837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38444</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U S EQUITY FACTR</titleOfClass>
    <cusip>46434V282</cusip>
    <value>1698335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44811</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
    <cusip>92189F643</cusip>
    <value>2202413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>34558</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FT CBOE VEST S&amp;P</titleOfClass>
    <cusip>33739Q705</cusip>
    <value>3438425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70015</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>12198928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>53923</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>9889224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>107015</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
    <cusip>464288687</cusip>
    <value>906376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27566</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>818884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4861</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>1036024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16579</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>683592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5759</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>639169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15346</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>390242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1195</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>6310942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32040</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>14731673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>83626</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
    <titleOfClass>APTUS DEFINED</titleOfClass>
    <cusip>26922A388</cusip>
    <value>827793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31487</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
    <titleOfClass>FALLEN KNIVES</titleOfClass>
    <cusip>25460G757</cusip>
    <value>734434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16212</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>28176E108</cusip>
    <value>258550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2719</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
    <titleOfClass>PRIME CYBR SCRTY</titleOfClass>
    <cusip>26924G201</cusip>
    <value>488317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10662</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
    <titleOfClass>ALT ABSLT STRG</titleOfClass>
    <cusip>33740Y101</cusip>
    <value>903021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27065</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>CHINDIA ETF</titleOfClass>
    <cusip>33733A102</cusip>
    <value>205793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5059</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>DORSEY WRT 5 ETF</titleOfClass>
    <cusip>33738R605</cusip>
    <value>1249474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30159</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>DOW 30 EQL WGT</titleOfClass>
    <cusip>33733A201</cusip>
    <value>291397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10721</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>ENERGY ALPHADX</titleOfClass>
    <cusip>33734X127</cusip>
    <value>7115444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>481999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>481999</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>EUROPE ALPHADEX</titleOfClass>
    <cusip>33737J117</cusip>
    <value>802700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25629</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>INDXX NAT RE ETF</titleOfClass>
    <cusip>33734X838</cusip>
    <value>317430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23875</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>MNGD FUTRS STRGY</titleOfClass>
    <cusip>33739G103</cusip>
    <value>696068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13508</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>MATERIALS ALPH</titleOfClass>
    <cusip>33734X168</cusip>
    <value>769019</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13598</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR MID CAP CORE ALPHAD</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735B108</cusip>
    <value>421563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5039</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NASDAQ BK ETF</titleOfClass>
    <cusip>33738R860</cusip>
    <value>428683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16456</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NASDQ FOD BVRG</titleOfClass>
    <cusip>33738R852</cusip>
    <value>746999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29109</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NASD TECH DIV</titleOfClass>
    <cusip>33738R118</cusip>
    <value>820617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16357</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR NAS100 EQ WEIGHTED</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>337344105</cusip>
    <value>339452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3887</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NY ARCA BIOTECH</titleOfClass>
    <cusip>33733E203</cusip>
    <value>400038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2951</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SENIOR LN FD</titleOfClass>
    <cusip>33738D309</cusip>
    <value>2291669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51965</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>WTR ETF</titleOfClass>
    <cusip>33733B100</cusip>
    <value>224785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3122</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT CBOE EQTY BFR</titleOfClass>
    <cusip>33740U505</cusip>
    <value>517211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16976</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>FT CBOE DEEP BFR</titleOfClass>
    <cusip>33740U406</cusip>
    <value>912620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30502</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>CBOE EQT DEP NOV</titleOfClass>
    <cusip>33740F839</cusip>
    <value>235662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7278</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>CBOE VEST US DEP</titleOfClass>
    <cusip>33740U802</cusip>
    <value>233178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8002</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>NASDAQ 100 COVER</titleOfClass>
    <cusip>37954Y483</cusip>
    <value>234094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL HLT</titleOfClass>
    <cusip>46137V332</cusip>
    <value>255949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>955</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL REL</titleOfClass>
    <cusip>46137V290</cusip>
    <value>323175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9673</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
    <cusip>46138E354</cusip>
    <value>453902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7321</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P ULTRA DIVIDE</titleOfClass>
    <cusip>46138G656</cusip>
    <value>455443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>0-5 YR TIPS ETF</titleOfClass>
    <cusip>46429B747</cusip>
    <value>459093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD</titleOfClass>
    <cusip>464287457</cusip>
    <value>27810609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>335917</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE DIV GRWTH</titleOfClass>
    <cusip>46434V621</cusip>
    <value>1539630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32318</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
    <value>759033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12898</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI INTL</titleOfClass>
    <cusip>46435G326</cusip>
    <value>2401759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44692</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>30286957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>79881</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>ESG AWR MSCI EM</titleOfClass>
    <cusip>46434G863</cusip>
    <value>213564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6610</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>416935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12152</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES U S ETF TR</nameOfIssuer>
    <titleOfClass>GSCI CMDTY STGY</titleOfClass>
    <cusip>46431W853</cusip>
    <value>467707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11424</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES U S ETF TR</nameOfIssuer>
    <titleOfClass>INFLATION HEDG</titleOfClass>
    <cusip>46431W580</cusip>
    <value>489641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18861</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF</titleOfClass>
    <cusip>464288448</cusip>
    <value>254766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9380</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE GRWTH ETF</titleOfClass>
    <cusip>464288885</cusip>
    <value>738660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>1102039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25393</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>769365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>32186203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>222020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>222020</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>2371883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17255</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>2075466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21984</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>220588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1875</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHORT TREAS BD</titleOfClass>
    <cusip>464288679</cusip>
    <value>821786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7464</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>4658487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44506</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 5-10YR INVT</titleOfClass>
    <cusip>464288638</cusip>
    <value>220716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4323</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>MULTI ASSET DI</titleOfClass>
    <cusip>33738R100</cusip>
    <value>5529223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>364484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>364484</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>TRENDP US LAR CP</titleOfClass>
    <cusip>69374H105</cusip>
    <value>759114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20211</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>US CASH COWS 100</titleOfClass>
    <cusip>69374H881</cusip>
    <value>1516476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>607820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8486</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>12270746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>95686</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>2619878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8492</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 400 MDCP VAL</titleOfClass>
    <cusip>78464A839</cusip>
    <value>357071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5902</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP GRW</titleOfClass>
    <cusip>78464A201</cusip>
    <value>270605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3838</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH</titleOfClass>
    <cusip>78464A870</cusip>
    <value>529336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7127</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>247192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>688579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9819</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>4342814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>1410871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>6059986</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27188</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>12305751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>121001</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>3202451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>41242</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>758769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9482</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP VAL ETF</titleOfClass>
    <cusip>921910840</cusip>
    <value>601829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6257</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>1031463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15038</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>834718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10946</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>488177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9779</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>2036586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15443</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS INTL HG DV</titleOfClass>
    <cusip>92647N881</cusip>
    <value>429332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14578</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US EQ INCM</titleOfClass>
    <cusip>92647N824</cusip>
    <value>1292653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19556</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US LRG CAP</titleOfClass>
    <cusip>92647N865</cusip>
    <value>793333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US SMCP HG</titleOfClass>
    <cusip>92647N873</cusip>
    <value>604372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11543</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DBX ETF TR</nameOfIssuer>
    <titleOfClass>XTRACK MSCI JAPN</titleOfClass>
    <cusip>233051507</cusip>
    <value>229511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4815</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>VAR RATE PFD</titleOfClass>
    <cusip>46138G870</cusip>
    <value>214794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9680</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP VA ETF</titleOfClass>
    <cusip>808524409</cusip>
    <value>594718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9528</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
    <titleOfClass>BLACKSWAN GRWT</titleOfClass>
    <cusip>032108888</cusip>
    <value>459073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17009</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>SHRT DUR MNG MUN</titleOfClass>
    <cusip>33739P830</cusip>
    <value>1453437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>73221</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX 5YR TRGT</titleOfClass>
    <cusip>33939L605</cusip>
    <value>298605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11840</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN LTS FD TR IV</nameOfIssuer>
    <titleOfClass>INSPIRE CORP ESG</titleOfClass>
    <cusip>66538H633</cusip>
    <value>997282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42577</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN LTS FD TR IV</nameOfIssuer>
    <titleOfClass>INTRNTINL ESG</titleOfClass>
    <cusip>66538H419</cusip>
    <value>279882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11103</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>PURBTA 0 5 YR</titleOfClass>
    <cusip>46138E495</cusip>
    <value>1268050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49669</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P SMLCP ENGY</titleOfClass>
    <cusip>46138E164</cusip>
    <value>1028836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>118257</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARCLAYS BANK PLC</nameOfIssuer>
    <titleOfClass>IPATH SHILR CAPE</titleOfClass>
    <cusip>06742A669</cusip>
    <value>681577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36487</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MODERT ALLOC ETF</titleOfClass>
    <cusip>464289875</cusip>
    <value>479013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12295</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP GRW</titleOfClass>
    <cusip>464288307</cusip>
    <value>214450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INTL QUALTY</titleOfClass>
    <cusip>46434V456</cusip>
    <value>464105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15005</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P GSCI COMMODITY-</nameOfIssuer>
    <titleOfClass>UNIT BEN INT</titleOfClass>
    <cusip>46428R107</cusip>
    <value>652390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28242</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US AER DEF ETF</titleOfClass>
    <cusip>464288760</cusip>
    <value>391609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3949</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWO RDS SHARED TR</nameOfIssuer>
    <titleOfClass>LEADERSHARES EQT</titleOfClass>
    <cusip>90214Q683</cusip>
    <value>216520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7763</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWO RDS SHARED TR</nameOfIssuer>
    <titleOfClass>LEASERSHS ALPHAF</titleOfClass>
    <cusip>90214Q691</cusip>
    <value>321102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10861</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWO RDS SHARED TR</nameOfIssuer>
    <titleOfClass>LDRSHS ALPFACT</titleOfClass>
    <cusip>90214Q774</cusip>
    <value>280591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10163</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP GR ETF</titleOfClass>
    <cusip>808524300</cusip>
    <value>555496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
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</DOCUMENT>
</SEC-DOCUMENT>
