<SEC-DOCUMENT>0001025835-22-000036.txt : 20220516
<SEC-HEADER>0001025835-22-000036.hdr.sgml : 20220516
<ACCEPTANCE-DATETIME>20220516153846
ACCESSION NUMBER:		0001025835-22-000036
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220331
FILED AS OF DATE:		20220516
DATE AS OF CHANGE:		20220516
EFFECTIVENESS DATE:		20220516

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ENTERPRISE FINANCIAL SERVICES CORP
		CENTRAL INDEX KEY:			0001025835
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				431706259
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-13645
		FILM NUMBER:		22928211

	BUSINESS ADDRESS:	
		STREET 1:		150 NORTH MERAMEC
		STREET 2:		150 NORTH MERAMEC
		CITY:			CLAYTON
		STATE:			MO
		ZIP:			63105
		BUSINESS PHONE:		3147255500

	MAIL ADDRESS:	
		STREET 1:		150 NORTH MERAMEC
		STREET 2:		150 NORTH MERAMEC
		CITY:			CLAYTON
		STATE:			MO
		ZIP:			63105

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ENTERBANK HOLDINGS INC
		DATE OF NAME CHANGE:	19961024
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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        <credentials>
          <cik>0001025835</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>03-31-2022</periodOfReport>
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      <reportCalendarOrQuarter>03-31-2022</reportCalendarOrQuarter>
      <filingManager>
        <name>ENTERPRISE FINANCIAL SERVICES CORP</name>
        <address>
          <com:street1>150 NORTH MERAMEC</com:street1>
          <com:city>CLAYTON</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>63105</com:zipCode>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-13645</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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    <signatureBlock>
      <name>Troy R. Dumlao</name>
      <title>Chief Accounting Officer</title>
      <phone>314-587-2742</phone>
      <signature>Troy R. Dumlao</signature>
      <city>Clayton</city>
      <stateOrCountry>MO</stateOrCountry>
      <signatureDate>05-16-2022</signatureDate>
    </signatureBlock>
    <summaryPage>
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      <tableValueTotal>609318</tableValueTotal>
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    <cusip>N07059210</cusip>
    <value>320</value>
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    <value>707</value>
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    <cusip>02368A406</cusip>
    <value>208</value>
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    <value>211</value>
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    <cusip>027681105</cusip>
    <value>234</value>
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    <value>269</value>
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    <value>371</value>
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    <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>032654105</cusip>
    <value>149</value>
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      <sshPrnamt>904</sshPrnamt>
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    <cusip>032654105</cusip>
    <value>1698</value>
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      <None>10282</None>
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    <titleOfClass>COM</titleOfClass>
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    <titleOfClass>COM</titleOfClass>
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    <value>9441</value>
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      <sshPrnamt>54071</sshPrnamt>
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    <cusip>038222105</cusip>
    <value>843</value>
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    <nameOfIssuer>ARIEL INVT TR</nameOfIssuer>
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    <value>6214</value>
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    <value>85</value>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING IN</nameOfIssuer>
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    <cusip>053015103</cusip>
    <value>889</value>
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    <cusip>060505104</cusip>
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      <Sole>13239</Sole>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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    <value>5818</value>
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      <sshPrnamt>11</sshPrnamt>
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    <cusip>084670702</cusip>
    <value>2259</value>
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    <cusip>084670702</cusip>
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    <nameOfIssuer>BHP GROUP LTD</nameOfIssuer>
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    <cusip>088606108</cusip>
    <value>284</value>
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    <nameOfIssuer>BLACKROCK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
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    <nameOfIssuer>BLACKSTONE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09260D107</cusip>
    <value>203</value>
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    <nameOfIssuer>BLAIR WILLIAM FDS</nameOfIssuer>
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    <cusip>093001774</cusip>
    <value>1041</value>
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      <sshPrnamt>31933</sshPrnamt>
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    <cusip>097023105</cusip>
    <value>620</value>
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    <nameOfIssuer>BRANDES INVT TR</nameOfIssuer>
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    <cusip>105262752</cusip>
    <value>171</value>
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    <titleOfClass>OMNI SMCP VALU</titleOfClass>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>958</value>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>62</value>
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      <sshPrnamt>846</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>504</value>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>1183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2848</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2591</Sole>
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      <None>257</None>
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  <infoTable>
    <nameOfIssuer>DELAWARE GROUP EQUITY FDS IV</nameOfIssuer>
    <titleOfClass>COVERD CALL INST</titleOfClass>
    <cusip>24611D201</cusip>
    <value>385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28130</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DELAWARE GROUP EQUITY FDS IV</nameOfIssuer>
    <titleOfClass>PREMM INCM ADV</titleOfClass>
    <cusip>24611D730</cusip>
    <value>111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10515</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DIAGEO PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>381</Sole>
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      <None>1638</None>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US TARGETED VLU</titleOfClass>
    <cusip>25434V609</cusip>
    <value>387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2066</Sole>
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      <None>1715</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DODGE &amp; COX FDS</nameOfIssuer>
    <titleOfClass>INTL STK FD</titleOfClass>
    <cusip>256206103</cusip>
    <value>7671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>163172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>163172</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DODGE &amp; COX FDS</nameOfIssuer>
    <titleOfClass>INTL STK FD</titleOfClass>
    <cusip>256206103</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1944</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DODGE &amp; COX STK FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256219106</cusip>
    <value>3668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14938</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>14938</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DODGE &amp; COX STK FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256219106</cusip>
    <value>150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>612</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3317</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1988</Sole>
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      <None>1329</None>
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    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3835</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2227</Sole>
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      <None>1608</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5291</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>3901</Sole>
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      <None>1390</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>668</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>1247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12715</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12042</Sole>
      <Shared>0</Shared>
      <None>673</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29250N105</cusip>
    <value>623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8196</Sole>
      <Shared>0</Shared>
      <None>5327</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE FINL SVCS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293712105</cusip>
    <value>14389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>301686</Sole>
      <Shared>0</Shared>
      <None>2455</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE FINL SVCS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293712105</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13302</Sole>
      <Shared>0</Shared>
      <None>202</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EUROPACIFIC GROWTH FD</nameOfIssuer>
    <titleOfClass>AMERICAN FD F 3</titleOfClass>
    <cusip>298706110</cusip>
    <value>5903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103800</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>102911</Sole>
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      <None>888</None>
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  <infoTable>
    <nameOfIssuer>EUROPACIFIC GROWTH FD</nameOfIssuer>
    <titleOfClass>AMERICAN FD F 3</titleOfClass>
    <cusip>298706110</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4388</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>6303</Sole>
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      <None>553</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>1941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23497</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19030</Sole>
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      <None>4467</None>
    </votingAuthority>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>1475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3272</Sole>
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      <None>3360</None>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>30303M102</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>90</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FEDERATED HERMES EQUITY FDS</nameOfIssuer>
    <titleOfClass>FH KAUFMANN A</titleOfClass>
    <cusip>314172677</cusip>
    <value>82</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14607</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14607</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI HLTH CARE I</titleOfClass>
    <cusip>316092600</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3134</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>3134</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI INDL INDX</titleOfClass>
    <cusip>316092709</cusip>
    <value>4780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88834</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>83179</Sole>
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      <None>5655</None>
    </votingAuthority>
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    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI INDL INDX</titleOfClass>
    <cusip>316092709</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1114</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI INFO TECH I</titleOfClass>
    <cusip>316092808</cusip>
    <value>4539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36877</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>34065</Sole>
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      <None>2812</None>
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  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>MSCI INFO TECH I</titleOfClass>
    <cusip>316092808</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>615</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31620M106</cusip>
    <value>317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3161</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2485</Sole>
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      <None>676</None>
    </votingAuthority>
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    <nameOfIssuer>FIDELITY PURITAN TR</nameOfIssuer>
    <titleOfClass>LOW PRICE STK</titleOfClass>
    <cusip>316345305</cusip>
    <value>292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>5556</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4644</Sole>
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      <None>583</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NASD TECH DIV</titleOfClass>
    <cusip>33738R118</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5285</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>5285</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLEMING CAP MUT FD GROUP</nameOfIssuer>
    <titleOfClass>JP MORGAN MID L</titleOfClass>
    <cusip>339128100</cusip>
    <value>415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>10085</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959E109</cusip>
    <value>910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2663</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2576</Sole>
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      <None>87</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FUNDVANTAGE TR</nameOfIssuer>
    <titleOfClass>POLEN GRW INST</titleOfClass>
    <cusip>360873657</cusip>
    <value>1026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>21783</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3751</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3412</Sole>
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      <None>339</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>521</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>521</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>927</value>
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      <sshPrnamt>13693</sshPrnamt>
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    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12342</Sole>
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      <None>1351</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>NASDAQ 100 COVER</titleOfClass>
    <cusip>37954Y483</cusip>
    <value>1252</value>
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      <sshPrnamt>59701</sshPrnamt>
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      <Sole>58593</Sole>
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      <None>1108</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS TR II</nameOfIssuer>
    <titleOfClass>GQG PRTNR INST</titleOfClass>
    <cusip>38147N293</cusip>
    <value>290</value>
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      <sshPrnamt>15338</sshPrnamt>
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      <Sole>15338</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>384802104</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
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      <Sole>399</Sole>
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      <None>490</None>
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    <nameOfIssuer>GRIFFIN INSTL ACCESS REAL ES</nameOfIssuer>
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    <cusip>39822J300</cusip>
    <value>493</value>
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      <Sole>16018</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GROWTH FD AMER</nameOfIssuer>
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    <cusip>399874403</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3268</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3268</Sole>
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      <None>0</None>
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    <nameOfIssuer>GROWTH FD AMER</nameOfIssuer>
    <titleOfClass>CL F2 SHS</titleOfClass>
    <cusip>399874825</cusip>
    <value>334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5041</sshPrnamt>
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      <Sole>5041</Sole>
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      <None>0</None>
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    <nameOfIssuer>HARBOR FDS</nameOfIssuer>
    <titleOfClass>CAP APPR INSTL</titleOfClass>
    <cusip>411511504</cusip>
    <value>1205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13837</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>13837</Sole>
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      <None>0</None>
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    <nameOfIssuer>HARBOR FDS</nameOfIssuer>
    <titleOfClass>CAP APPR INSTL</titleOfClass>
    <cusip>411511504</cusip>
    <value>261</value>
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      <sshPrnamt>2993</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2993</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HARDING LOEVNER FDS INC</nameOfIssuer>
    <titleOfClass>EMGMKTS PTF ADV</titleOfClass>
    <cusip>412295305</cusip>
    <value>1590</value>
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      <sshPrnamt>32450</sshPrnamt>
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      <Sole>32450</Sole>
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    <nameOfIssuer>HARDING LOEVNER FDS INC</nameOfIssuer>
    <titleOfClass>INSTINAL EMMRKT</titleOfClass>
    <cusip>412295701</cusip>
    <value>373</value>
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      <sshPrnamt>18450</sshPrnamt>
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      <Sole>7667</Sole>
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    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>218</value>
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      <Sole>901</Sole>
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      <None>105</None>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>1076</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2571</Sole>
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      <None>1024</None>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1105</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>817</Sole>
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      <None>288</None>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>452308109</cusip>
    <value>1025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4896</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>4626</Sole>
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      <None>270</None>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>1062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21421</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18392</Sole>
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      <None>3029</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4165</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>3352</Sole>
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      <None>813</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>226</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>833</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2125</Sole>
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      <None>171</None>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>3</value>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL TEC</titleOfClass>
    <cusip>46137V282</cusip>
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      <Sole>8868</Sole>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL IND</titleOfClass>
    <cusip>46137V324</cusip>
    <value>3253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17251</sshPrnamt>
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      <Sole>16504</Sole>
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      <None>747</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL HLT</titleOfClass>
    <cusip>46137V332</cusip>
    <value>1696</value>
    <shrsOrPrnAmt>
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      <Sole>5535</Sole>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL DIS</titleOfClass>
    <cusip>46137V381</cusip>
    <value>334</value>
    <shrsOrPrnAmt>
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      <Sole>2465</Sole>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DYNMC BLDG CON</titleOfClass>
    <cusip>46137V779</cusip>
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    <shrsOrPrnAmt>
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      <Sole>15349</Sole>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
    <cusip>46138E354</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>3402</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>INVESTMENT MANAGERS SER TR</nameOfIssuer>
    <titleOfClass>WCM FEMK INSTL</titleOfClass>
    <cusip>46141P834</cusip>
    <value>157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10091</sshPrnamt>
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      <Sole>10091</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESTMENT MANAGERS SER TR</nameOfIssuer>
    <titleOfClass>WCM FCS GW INSTL</titleOfClass>
    <cusip>461418444</cusip>
    <value>5733</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>250559</Sole>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESTMENT MANAGERS SER TR</nameOfIssuer>
    <titleOfClass>WCM FCS GW INSTL</titleOfClass>
    <cusip>461418444</cusip>
    <value>95</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4140</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    </votingAuthority>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>46266C105</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MORNINGSTR US EQ</titleOfClass>
    <cusip>464287127</cusip>
    <value>563</value>
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      <sshPrnamt>8953</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>8273</Sole>
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      <None>680</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>7084</value>
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      <sshPrnamt>70180</sshPrnamt>
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      <Sole>70102</Sole>
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      <None>78</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>12692</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27974</sshPrnamt>
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      <Sole>27974</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>11458</value>
    <shrsOrPrnAmt>
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      <Sole>251962</Sole>
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      <None>1811</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>150</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>3331</Sole>
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      <None>0</None>
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    <nameOfIssuer>LPL FINL HLDGS INC</nameOfIssuer>
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    <value>150</value>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>LOEWS CORP</nameOfIssuer>
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    <nameOfIssuer>MAIRS &amp; PWR FDS TR</nameOfIssuer>
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    <cusip>56170L208</cusip>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>666807102</cusip>
    <value>528</value>
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      <None>1112</None>
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    <nameOfIssuer>NORTONLIFELOCK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>668771108</cusip>
    <value>405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15265</sshPrnamt>
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      <Sole>404</Sole>
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      <None>14861</None>
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    <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>66987V109</cusip>
    <value>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2953</sshPrnamt>
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      <Sole>1812</Sole>
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      <None>1141</None>
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    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
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    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>735</value>
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      <sshPrnamt>8890</sshPrnamt>
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    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>359</value>
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      <sshPrnamt>4665</sshPrnamt>
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    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>352</value>
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      <sshPrnamt>1908</sshPrnamt>
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      <Sole>1751</Sole>
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      <None>157</None>
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    <nameOfIssuer>PPG INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693506107</cusip>
    <value>369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2819</sshPrnamt>
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      <Sole>2651</Sole>
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      <None>168</None>
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    <nameOfIssuer>PARNASSUS INCOME TR</nameOfIssuer>
    <titleOfClass>CORE EQTY FD INV</titleOfClass>
    <cusip>701769101</cusip>
    <value>288</value>
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    <nameOfIssuer>PARNASSUS INCOME TR</nameOfIssuer>
    <titleOfClass>CORE EQTY FD INV</titleOfClass>
    <cusip>701769101</cusip>
    <value>10</value>
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      <sshPrnamt>174</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>PARNASSUS INCOME TR</nameOfIssuer>
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    <cusip>701769408</cusip>
    <value>1381</value>
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      <sshPrnamt>23062</sshPrnamt>
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      <Sole>23062</Sole>
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    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>12134</value>
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      <sshPrnamt>72496</sshPrnamt>
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    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>69</value>
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      <sshPrnamt>413</sshPrnamt>
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      <Sole>413</Sole>
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    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>2884</value>
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      <sshPrnamt>55717</sshPrnamt>
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      <Sole>49016</Sole>
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    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>512</value>
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      <sshPrnamt>5451</sshPrnamt>
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      <Sole>3239</Sole>
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      <None>2212</None>
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    <nameOfIssuer>POST HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>737446104</cusip>
    <value>429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6190</sshPrnamt>
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      <Sole>850</Sole>
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      <None>5340</None>
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    <nameOfIssuer>POST HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>737446104</cusip>
    <value>18</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>253</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>1845</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12074</sshPrnamt>
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      <Sole>9068</Sole>
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      <None>3006</None>
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    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>45</value>
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      <sshPrnamt>294</sshPrnamt>
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      <Sole>294</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
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      <Sole>658</Sole>
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      <None>968</None>
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    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
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      <Sole>9836</Sole>
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      <None>1567</None>
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    <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>7591EP100</cusip>
    <value>384</value>
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      <sshPrnamt>17250</sshPrnamt>
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      <Sole>16428</Sole>
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  <infoTable>
    <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>7591EP100</cusip>
    <value>582</value>
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      <sshPrnamt>26156</sshPrnamt>
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      <Sole>26156</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROCHE HLDG LTD</nameOfIssuer>
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    <cusip>771195104</cusip>
    <value>284</value>
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      <sshPrnamt>5696</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1680</Sole>
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      <None>4016</None>
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  <infoTable>
    <nameOfIssuer>ROWE T PRICE BLUE CHIP GROWT</nameOfIssuer>
    <titleOfClass>BLUE CHIP GW I</titleOfClass>
    <cusip>77954Q403</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>10619</sshPrnamt>
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      <Sole>10619</Sole>
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  <infoTable>
    <nameOfIssuer>ROWE T PRICE BLUE CHIP GROWT</nameOfIssuer>
    <titleOfClass>BLUE CHIP GW I</titleOfClass>
    <cusip>77954Q403</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>311</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>311</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROWE T PRICE MID-CAP GROWTH</nameOfIssuer>
    <titleOfClass>FD CL I</titleOfClass>
    <cusip>779556406</cusip>
    <value>503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4827</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>4762</Sole>
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      <None>64</None>
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    <nameOfIssuer>ROWE T PRICE MID-CAP GROWTH</nameOfIssuer>
    <titleOfClass>FD CL I</titleOfClass>
    <cusip>779556406</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>124</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>124</Sole>
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  <infoTable>
    <nameOfIssuer>RUSSELL INVT CO</nameOfIssuer>
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    <cusip>782493720</cusip>
    <value>412</value>
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      <sshPrnamt>6198</sshPrnamt>
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      <Sole>6198</Sole>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>3245</value>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
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    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
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    <cusip>78463X772</cusip>
    <value>568</value>
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    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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    <cusip>78464A870</cusip>
    <value>1080</value>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
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    <cusip>78464A870</cusip>
    <value>84</value>
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    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
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    <cusip>78467X109</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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    <cusip>808524102</cusip>
    <value>833</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP GR ETF</titleOfClass>
    <cusip>808524300</cusip>
    <value>36460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>487300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>457220</Sole>
      <Shared>0</Shared>
      <None>30080</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP GR ETF</titleOfClass>
    <cusip>808524300</cusip>
    <value>370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4946</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US MID-CAP ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>2379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30168</Sole>
      <Shared>0</Shared>
      <None>1195</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>22407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>473110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>447990</Sole>
      <Shared>0</Shared>
      <None>25120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>25907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>328392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>308004</Sole>
      <Shared>0</Shared>
      <None>20388</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2997</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>8501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>217985</Sole>
      <Shared>0</Shared>
      <None>13523</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2864</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL SCEQT ETF</titleOfClass>
    <cusip>808524888</cusip>
    <value>8211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>203336</Sole>
      <Shared>0</Shared>
      <None>12904</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL SCEQT ETF</titleOfClass>
    <cusip>808524888</cusip>
    <value>90</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2377</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>6129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>41708</Sole>
      <Shared>0</Shared>
      <None>3032</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>82</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>COMMUNICATION</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3377</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>56</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1518</Sole>
      <Shared>0</Shared>
      <None>1648</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>844741108</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6063</Sole>
      <Shared>0</Shared>
      <None>129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7846</Sole>
      <Shared>0</Shared>
      <None>1807</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>90</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1108</Sole>
      <Shared>0</Shared>
      <None>307</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5437</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1354</Sole>
      <Shared>0</Shared>
      <None>4083</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>1382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1649</Sole>
      <Shared>0</Shared>
      <None>4862</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TENCENT HOLDINGS LIMITED</nameOfIssuer>
    <titleOfClass>UNSPON ADR</titleOfClass>
    <cusip>88032Q109</cusip>
    <value>237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>732</Sole>
      <Shared>0</Shared>
      <None>4228</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>936</Sole>
      <Shared>0</Shared>
      <None>1554</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>1890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2422</Sole>
      <Shared>0</Shared>
      <None>778</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2609</Sole>
      <Shared>0</Shared>
      <None>373</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRIMBLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>896239100</cusip>
    <value>387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5362</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5516</Sole>
      <Shared>0</Shared>
      <None>11098</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>323</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TWEEDY BROWNE FD INC</nameOfIssuer>
    <titleOfClass>INTERN VALUE FD</titleOfClass>
    <cusip>901165100</cusip>
    <value>573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>242</Sole>
      <Shared>0</Shared>
      <None>20126</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>2281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40636</Sole>
      <Shared>0</Shared>
      <None>2289</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>1182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3691</Sole>
      <Shared>0</Shared>
      <None>634</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>739</Sole>
      <Shared>0</Shared>
      <None>1304</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
    <value>660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1857</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>1754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1199</Sole>
      <Shared>0</Shared>
      <None>2239</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>SEMICONDUCTR ETF</titleOfClass>
    <cusip>92189F676</cusip>
    <value>3486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11977</Sole>
      <Shared>0</Shared>
      <None>944</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>SEMICONDUCTR ETF</titleOfClass>
    <cusip>92189F676</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2686</Sole>
      <Shared>0</Shared>
      <None>1633</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
    <titleOfClass>VG TL INTL STK F</titleOfClass>
    <cusip>921909768</cusip>
    <value>1951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
    <titleOfClass>VG TL INTL STK F</titleOfClass>
    <cusip>921909768</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>653</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WELLINGTON FD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>921935102</cusip>
    <value>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4905</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>DEV MKTS ADMR</titleOfClass>
    <cusip>921943809</cusip>
    <value>554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35912</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7957</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WINDSOR FDS</nameOfIssuer>
    <titleOfClass>WINDSOR II ADM</titleOfClass>
    <cusip>922018304</cusip>
    <value>529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>3929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9004</Sole>
      <Shared>0</Shared>
      <None>429</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7828</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>13820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33287</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>5143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28893</Sole>
      <Shared>0</Shared>
      <None>340</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>820</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3659</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GRW INDEX ADML</titleOfClass>
    <cusip>922908660</cusip>
    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1552</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALU INDEX ADM</titleOfClass>
    <cusip>922908678</cusip>
    <value>512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8879</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALU INDEX ADM</titleOfClass>
    <cusip>922908678</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>500INDEX ADMIR</titleOfClass>
    <cusip>922908710</cusip>
    <value>3803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9094</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9094</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>500INDEX ADMIR</titleOfClass>
    <cusip>922908710</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOT STKIDX ADM</titleOfClass>
    <cusip>922908728</cusip>
    <value>213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1923</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>2345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8021</Sole>
      <Shared>0</Shared>
      <None>134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>10052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68019</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>67022</Sole>
      <Shared>0</Shared>
      <None>997</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>795</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>5318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25024</Sole>
      <Shared>0</Shared>
      <None>1</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1058</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>4032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>17634</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>1671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28607</Sole>
      <Shared>0</Shared>
      <None>4196</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>95</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1866</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1866</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2485</Sole>
      <Shared>0</Shared>
      <None>1689</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92939U106</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1692</Sole>
      <Shared>0</Shared>
      <None>344</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>1211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6779</Sole>
      <Shared>0</Shared>
      <None>1351</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>313</sshPrnamt>
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