<SEC-DOCUMENT>0001104659-22-021514.txt : 20220214
<SEC-HEADER>0001104659-22-021514.hdr.sgml : 20220214
<ACCEPTANCE-DATETIME>20220214070039
ACCESSION NUMBER:		0001104659-22-021514
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20211231
FILED AS OF DATE:		20220214
DATE AS OF CHANGE:		20220214
EFFECTIVENESS DATE:		20220214

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Hilltop Holdings Inc.
		CENTRAL INDEX KEY:			0001265131
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				841477939
		STATE OF INCORPORATION:			MD
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-15359
		FILM NUMBER:		22625059

	BUSINESS ADDRESS:	
		STREET 1:		6565 HILLCREST AVE.
		CITY:			DALLAS
		STATE:			TX
		ZIP:			75205
		BUSINESS PHONE:		214.855.2177

	MAIL ADDRESS:	
		STREET 1:		6565 HILLCREST AVE.
		CITY:			DALLAS
		STATE:			TX
		ZIP:			75205

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	AFFORDABLE RESIDENTIAL COMMUNITIES INC
		DATE OF NAME CHANGE:	20030929
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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      <liveTestFlag>LIVE</liveTestFlag>
      <filer>
        <credentials>
          <cik>0001265131</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>12-31-2021</periodOfReport>
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      <reportCalendarOrQuarter>12-31-2021</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>Hilltop Holdings Inc.</name>
        <address>
          <ns1:street1>6565 HILLCREST AVE.</ns1:street1>
          <ns1:city>Dallas</ns1:city>
          <ns1:stateOrCountry>TX</ns1:stateOrCountry>
          <ns1:zipCode>75205</ns1:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-15359</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Corey G. Prestidge</name>
      <title>Executive Vice President, General Counsel and Secretary</title>
      <phone>(214) 855-2177</phone>
      <signature>/s/ Corey G. Prestidge</signature>
      <city>Dallas</city>
      <stateOrCountry>TX</stateOrCountry>
      <signatureDate>02-14-2022</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>4</otherIncludedManagersCount>
      <tableEntryTotal>915</tableEntryTotal>
      <tableValueTotal>962121</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
      <otherManagers2Info>
        <otherManager2>
          <sequenceNumber>1</sequenceNumber>
          <otherManager>
            <cik>0001569620</cik>
            <form13FFileNumber>028-15365</form13FFileNumber>
            <name>PlainsCapital Corp</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>2</sequenceNumber>
          <otherManager>
            <cik>0001534401</cik>
            <form13FFileNumber>028-15369</form13FFileNumber>
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<TYPE>INFORMATION TABLE
<SEQUENCE>2
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<DESCRIPTION>INFORMATION TABLE
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Shared>0</Shared>
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    <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
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    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9178</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9178</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
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    <value>1416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43261</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>43261</None>
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    <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
    <titleOfClass>RIVERFRNT DYMC</titleOfClass>
    <cusip>00162Q528</cusip>
    <value>5270</value>
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      <sshPrnamt>111100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>111100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
    <titleOfClass>RIVERFRNT FLEX</titleOfClass>
    <cusip>00162Q510</cusip>
    <value>1675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>35065</None>
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  <infoTable>
    <nameOfIssuer>ALPS ETF TR</nameOfIssuer>
    <titleOfClass>RIVERFRONT DYM</titleOfClass>
    <cusip>00162Q536</cusip>
    <value>2237</value>
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      <sshPrnamt>89735</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>89735</None>
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    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02209S103</cusip>
    <value>801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>16170</Sole>
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      <None>550</None>
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  <infoTable>
    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>2248</value>
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      <sshPrnamt>47435</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>47435</None>
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    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>2141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>642</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>642</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>12527</value>
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      <sshPrnamt>3757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>3757</None>
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    <nameOfIssuer>AMEREN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023608102</cusip>
    <value>436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4898</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMEREN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023608102</cusip>
    <value>1</value>
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      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>6</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025537101</cusip>
    <value>565</value>
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      <sshPrnamt>6351</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>5636</Sole>
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      <None>500</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN ELEC PWR CO INC</nameOfIssuer>
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    <value>207</value>
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      <sshPrnamt>2329</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>2329</None>
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    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>025816109</cusip>
    <value>719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4394</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4394</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>491</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>3004</None>
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    <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03027X100</cusip>
    <value>256</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>874</Sole>
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      <None>0</None>
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    <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
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    <value>359</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>1226</None>
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  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>234</sshPrnamt>
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    <otherManager>1,2</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERIPRISE FINL INC</nameOfIssuer>
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      <sshPrnamt>717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>717</None>
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  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>878</value>
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      <sshPrnamt>3903</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>553</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>2458</None>
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  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>AMPHENOL CORP NEW</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>9343</None>
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  <infoTable>
    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
    <titleOfClass>BLACKSWAN GRWT</titleOfClass>
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    <value>756</value>
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      <sshPrnamt>21875</sshPrnamt>
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      <None>21875</None>
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    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
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    <cusip>032108607</cusip>
    <value>1740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43323</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>42975</Sole>
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  <infoTable>
    <nameOfIssuer>AMPLIFY ETF TR</nameOfIssuer>
    <titleOfClass>BLOCKCHAIN LDR</titleOfClass>
    <cusip>032108607</cusip>
    <value>253</value>
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      <sshPrnamt>6292</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>035710409</cusip>
    <value>2</value>
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      <sshPrnamt>285</sshPrnamt>
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      <Sole>285</Sole>
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  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MANAGEMENT IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>035710409</cusip>
    <value>656</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>83923</None>
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  <infoTable>
    <nameOfIssuer>ANTHEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>438</Sole>
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  <infoTable>
    <nameOfIssuer>ANTHEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>6</None>
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  <infoTable>
    <nameOfIssuer>AON PLC</nameOfIssuer>
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    <cusip>G0403H108</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>180</Sole>
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    <nameOfIssuer>AON PLC</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>1418</None>
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  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>9215</value>
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      <sshPrnamt>51900</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>51195</Sole>
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  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>166170</None>
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  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>038222105</cusip>
    <value>244</value>
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      <sshPrnamt>1548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1548</Sole>
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  <infoTable>
    <nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>564</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>3587</None>
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  <infoTable>
    <nameOfIssuer>APTIV PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G6095L109</cusip>
    <value>55</value>
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      <sshPrnamt>331</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>APTIV PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
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    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
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    <value>528</value>
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    <nameOfIssuer>AUTODESK INC</nameOfIssuer>
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      <sshPrnamt>825</sshPrnamt>
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    <nameOfIssuer>AVANTOR INC</nameOfIssuer>
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    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
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      <sshPrnamt>1191</sshPrnamt>
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    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
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    <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
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    <nameOfIssuer>BALLARD PWR SYS INC NEW</nameOfIssuer>
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    <nameOfIssuer>BANCO SANTANDER S.A.</nameOfIssuer>
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    <nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
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    <nameOfIssuer>BCE INC</nameOfIssuer>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
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    <nameOfIssuer>BLACKROCK MUNI INCOME TR II</nameOfIssuer>
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    <nameOfIssuer>BLACKROCK SCIENCE &amp; TECHNOLO</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>BLACKSTONE SENIOR FLOATNG RA</nameOfIssuer>
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      <None>8222</None>
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    <nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
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    <nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
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      <sshPrnamt>6383</sshPrnamt>
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      <None>6383</None>
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    <nameOfIssuer>BP PLC</nameOfIssuer>
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    <cusip>055622104</cusip>
    <value>312</value>
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      <sshPrnamt>11717</sshPrnamt>
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    <nameOfIssuer>BP PLC</nameOfIssuer>
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    <value>168</value>
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      <sshPrnamt>6292</sshPrnamt>
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      <None>6292</None>
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    <nameOfIssuer>BRAEMAR HOTELS &amp; RESORTS INC</nameOfIssuer>
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    <nameOfIssuer>BRINKS CO</nameOfIssuer>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>10805</Sole>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
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      <None>34163</None>
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    <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
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    <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
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    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN</nameOfIssuer>
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    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN</nameOfIssuer>
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      <sshPrnamt>200</sshPrnamt>
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    <nameOfIssuer>BROOKFIELD ASSET MGMT INC</nameOfIssuer>
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      <sshPrnamt>297</sshPrnamt>
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    <nameOfIssuer>BROOKFIELD ASSET MGMT INC</nameOfIssuer>
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    <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
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      <None>3314</None>
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    <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>127387108</cusip>
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    <nameOfIssuer>CANADIAN IMP BK COMM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>1625</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
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      <sshPrnamt>214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>CANADIAN PAC RY LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>9340</None>
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    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>393</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>7623</Sole>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>6280</None>
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  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>146</value>
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      <sshPrnamt>2687</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2650</Sole>
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  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>103</value>
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      <sshPrnamt>1892</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>1892</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>481</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>481</Sole>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
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    <nameOfIssuer>DARLING INGREDIENTS INC</nameOfIssuer>
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    <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
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      <None>8940</None>
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    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
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    <nameOfIssuer>DISCOVER FINL SVCS</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
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      <sshPrnamt>80744</sshPrnamt>
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    <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
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    <nameOfIssuer>DOW INC</nameOfIssuer>
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    <value>225</value>
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    <nameOfIssuer>DRAFTKINGS INC</nameOfIssuer>
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      <None>8500</None>
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    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
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    <value>980</value>
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    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
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    <nameOfIssuer>DYCOM INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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    <nameOfIssuer>EATON VANCE TAX-MANAGED BUY-</nameOfIssuer>
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    <nameOfIssuer>ECOFIN SUSTAINABLE AND SOCIA</nameOfIssuer>
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    <nameOfIssuer>EMBRAER S.A.</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
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    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ETF SER SOLUTIONS</nameOfIssuer>
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  <infoTable>
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      <None>1123</None>
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    <nameOfIssuer>EXPEDIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>30212P303</cusip>
    <value>325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1797</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>1797</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>2040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>31793</Sole>
      <Shared>950</Shared>
      <None>600</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>2712</value>
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      <sshPrnamt>44321</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44321</None>
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  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>651</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>651</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2255</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>2255</None>
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  <infoTable>
    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>HIGH DIVID ETF</titleOfClass>
    <cusip>316092840</cusip>
    <value>782</value>
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      <sshPrnamt>19396</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19396</None>
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  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31620M106</cusip>
    <value>140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1281</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1281</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>142</value>
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      <sshPrnamt>1298</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>1298</None>
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  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>320517105</cusip>
    <value>219</value>
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      <sshPrnamt>13399</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>13126</Sole>
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      <None>273</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR / ABERDEEN GLOBAL O</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>337319107</cusip>
    <value>146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15170</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>15170</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>PFD SECS INC ETF</titleOfClass>
    <cusip>33739E108</cusip>
    <value>1796</value>
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      <sshPrnamt>88370</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>88370</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>RIVR FRNT DYN</titleOfClass>
    <cusip>33739P707</cusip>
    <value>315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4653</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>RIVRFRNT DYN DEV</titleOfClass>
    <cusip>33739P608</cusip>
    <value>1352</value>
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      <sshPrnamt>18480</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18480</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FST LOW OPPT EFT</titleOfClass>
    <cusip>33739Q200</cusip>
    <value>1983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39666</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39666</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NAS CLNEDG GREEN</titleOfClass>
    <cusip>33733E500</cusip>
    <value>270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3977</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NAT GAS ETF</titleOfClass>
    <cusip>33733E807</cusip>
    <value>287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16715</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SENIOR LN FD</titleOfClass>
    <cusip>33738D309</cusip>
    <value>374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7796</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>CBOE VEST US BUF</titleOfClass>
    <cusip>33740F748</cusip>
    <value>584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15265</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI</nameOfIssuer>
    <titleOfClass>CBOE VEST US EQT</titleOfClass>
    <cusip>33740U208</cusip>
    <value>436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11915</None>
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  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>5276</Sole>
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      <None>334</None>
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  <infoTable>
    <nameOfIssuer>FLEXSHARES TR</nameOfIssuer>
    <titleOfClass>QUALT DIVD IDX</titleOfClass>
    <cusip>33939L860</cusip>
    <value>422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>6885</None>
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  <infoTable>
    <nameOfIssuer>FLOWERS FOODS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>343498101</cusip>
    <value>670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24406</None>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6127</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6127</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>1697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>81684</None>
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  <infoTable>
    <nameOfIssuer>FORTINET INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959E109</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>36</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FORTINET INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959E109</cusip>
    <value>286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>797</None>
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  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS HOME &amp; SEC IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34964C106</cusip>
    <value>531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4731</Sole>
      <Shared>0</Shared>
      <None>239</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRANCO NEV CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>351858105</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>134</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FRANCO NEV CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>351858105</cusip>
    <value>506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3657</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FUBOTV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35953D104</cusip>
    <value>870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56070</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FUELCELL ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35952H601</cusip>
    <value>788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>151575</None>
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  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36467J108</cusip>
    <value>374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>7693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1695</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>132</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>7315</Sole>
      <Shared>225</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>1594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23652</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>38</value>
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      <sshPrnamt>656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>656</None>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>950</value>
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      <sshPrnamt>6776</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6776</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>1252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>16914</Sole>
      <Shared>325</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7659</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7659</None>
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    <nameOfIssuer>GLADSTONE LD CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>376549101</cusip>
    <value>226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6700</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6700</None>
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    <nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
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    <cusip>37733W105</cusip>
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      <sshPrnamt>935</sshPrnamt>
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      <None>0</None>
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  <infoTable>
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    <value>357</value>
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      <sshPrnamt>8100</sshPrnamt>
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      <None>8100</None>
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    <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
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    <cusip>37940X102</cusip>
    <value>68</value>
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      <sshPrnamt>501</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>501</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37940X102</cusip>
    <value>178</value>
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      <sshPrnamt>1319</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1319</None>
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    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
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      <sshPrnamt>31616</sshPrnamt>
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      <Sole>0</Sole>
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      <None>31616</None>
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    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>GLOBAL X URANIUM</titleOfClass>
    <cusip>37954Y871</cusip>
    <value>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1948</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1948</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>GLOBAL X URANIUM</titleOfClass>
    <cusip>37954Y871</cusip>
    <value>405</value>
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      <sshPrnamt>17751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>17751</None>
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    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
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    <cusip>37954Y855</cusip>
    <value>1248</value>
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      <Sole>0</Sole>
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      <None>14778</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
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    <cusip>37954Y673</cusip>
    <value>1098</value>
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      <sshPrnamt>38131</sshPrnamt>
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      <Sole>0</Sole>
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      <None>38131</None>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
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    <cusip>381430529</cusip>
    <value>315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3148</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>3148</None>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVEBETA INT</titleOfClass>
    <cusip>381430107</cusip>
    <value>664</value>
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      <sshPrnamt>18823</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>18823</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>314</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>821</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
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      <sshPrnamt>2796</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>2796</None>
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  <infoTable>
    <nameOfIssuer>HALL OF FAME RESORT &amp; ENTMT</nameOfIssuer>
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    <cusip>40619L102</cusip>
    <value>16</value>
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      <sshPrnamt>10264</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>10264</None>
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  <infoTable>
    <nameOfIssuer>HANNON ARMSTRONG SUST INFR C</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>149</value>
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      <sshPrnamt>2813</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2813</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HANNON ARMSTRONG SUST INFR C</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>41068X100</cusip>
    <value>1083</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>20387</None>
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  <infoTable>
    <nameOfIssuer>HARBOR CUSTOM DEVELOPMENT IN</nameOfIssuer>
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      <sshPrnamt>32200</sshPrnamt>
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      <None>32200</None>
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    <titleOfClass>COM</titleOfClass>
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    <value>234</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6479</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>2050</None>
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  <infoTable>
    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>31</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>2978</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HILLTOP HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>432748101</cusip>
    <value>906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>25794</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HILLTOP HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>432748101</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>1865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4272</Sole>
      <Shared>30</Shared>
      <None>192</None>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>437076102</cusip>
    <value>4544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>10950</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4102</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>438516106</cusip>
    <value>1041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4991</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HORIZON THERAPEUTICS PUB L</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G46188101</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2784</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HORMEL FOODS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>440452100</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5245</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40434L105</cusip>
    <value>319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>8483</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40434L105</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>940</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HUBBELL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>443510607</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>33</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUBBELL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>443510607</cusip>
    <value>873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4190</None>
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  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>446150104</cusip>
    <value>545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>34030</Sole>
      <Shared>1325</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>446150104</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13439</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HUNTSMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>447011107</cusip>
    <value>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8456</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HYZON MOTORS INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>44951Y102</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31700</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>IAA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>449253103</cusip>
    <value>377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6763</Sole>
      <Shared>0</Shared>
      <None>677</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ICON PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G4705A100</cusip>
    <value>307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>991</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45167R104</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1033</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>452308109</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>452308109</cusip>
    <value>369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1495</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INMODE LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>M5425M103</cusip>
    <value>998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14143</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INNOVATIVE INDL PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45781V101</cusip>
    <value>944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3590</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INSULET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45784P101</cusip>
    <value>494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1858</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>1359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>25818</Sole>
      <Shared>73</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18959</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTELLIA THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45826J105</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45866F104</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45866F104</cusip>
    <value>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2087</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>1504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>11153</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>1258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9413</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460146103</cusip>
    <value>470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>9992</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460690100</cusip>
    <value>1011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>26985</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>461202103</cusip>
    <value>426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>394</Sole>
      <Shared>0</Shared>
      <None>268</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>461202103</cusip>
    <value>1137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1768</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1768</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>46120E602</cusip>
    <value>111</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>46120E602</cusip>
    <value>536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1493</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
    <titleOfClass>ULTRA SHRT DUR</titleOfClass>
    <cusip>46090A887</cusip>
    <value>349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6936</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTIVLY MANGD ETC FD</nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD</titleOfClass>
    <cusip>46090F100</cusip>
    <value>3276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>233029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>233029</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ACTIVLY MANGD ETC FD</nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD</titleOfClass>
    <cusip>46090F100</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>46138B103</cusip>
    <value>2378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>114412</Sole>
      <Shared>0</Shared>
      <None>107</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>46138B103</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P500 HDL VOL</titleOfClass>
    <cusip>46138E362</cusip>
    <value>1605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35453</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
    <cusip>46138E354</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3084</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P500 LOW VOL</titleOfClass>
    <cusip>46138E354</cusip>
    <value>178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2588</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>SR LN ETF</titleOfClass>
    <cusip>46138G508</cusip>
    <value>4631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>207171</Sole>
      <Shared>69</Shared>
      <None>2387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>SR LN ETF</titleOfClass>
    <cusip>46138G508</cusip>
    <value>116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5271</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2022 CB</titleOfClass>
    <cusip>46138J882</cusip>
    <value>346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>16191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2023 CB</titleOfClass>
    <cusip>46138J866</cusip>
    <value>572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>26677</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>BULSHS 2024 CB</titleOfClass>
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    <value>409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>18729</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
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    <cusip>46138J825</cusip>
    <value>551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>25183</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
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    <cusip>46138J783</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9817</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>RUSL 1000 DYNM</titleOfClass>
    <cusip>46138J619</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4280</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>4280</None>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DYNMC SEMICNDT</titleOfClass>
    <cusip>46137V647</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>1415</None>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL HLT</titleOfClass>
    <cusip>46137V332</cusip>
    <value>416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>1299</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL IND</titleOfClass>
    <cusip>46137V324</cusip>
    <value>694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3512</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>3512</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL TEC</titleOfClass>
    <cusip>46137V282</cusip>
    <value>526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1622</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>1622</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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    <cusip>46137V357</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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    <cusip>46137V357</cusip>
    <value>3521</value>
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      <sshPrnamt>21636</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>21636</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>WATER RES ETF</titleOfClass>
    <cusip>46137V142</cusip>
    <value>1825</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>30000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G491BT108</cusip>
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      <sshPrnamt>463</sshPrnamt>
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      <Sole>463</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>689</value>
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      <sshPrnamt>29944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>29944</None>
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  <infoTable>
    <nameOfIssuer>INVESCO MUN OPPORTUNITY TR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46132C107</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15178</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>15178</None>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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    <value>10057</value>
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      <sshPrnamt>25279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>25279</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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    <cusip>46090E103</cusip>
    <value>6823</value>
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      <sshPrnamt>17150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>0</Sole>
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      <None>17150</None>
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  <infoTable>
    <nameOfIssuer>IRON MTN INC NEW</nameOfIssuer>
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      <sshPrnamt>14664</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>14664</None>
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  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <None>2663</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CMBS ETF</titleOfClass>
    <cusip>46429B366</cusip>
    <value>1222</value>
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      <sshPrnamt>23054</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>22797</Sole>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
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  <infoTable>
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    <titleOfClass>CORE US AGGBD ET</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
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  <infoTable>
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    <titleOfClass>EXPANDED TECH</titleOfClass>
    <cusip>464287515</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPANDED TECH</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF</titleOfClass>
    <cusip>46429B655</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF</titleOfClass>
    <cusip>46429B655</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL TECH ETF</titleOfClass>
    <cusip>464287291</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GOV/CRED BD ETF</titleOfClass>
    <cusip>464288596</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC22 ETF</titleOfClass>
    <cusip>46434VBA7</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBONDS DEC24 ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF</titleOfClass>
    <cusip>464288448</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES SEMICDTR</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
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  <infoTable>
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    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
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  <infoTable>
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    <titleOfClass>MBS ETF</titleOfClass>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE MIN VL</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDIA ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INDONIA ETF</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INTL MOMENT</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI KLD400 SOC</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>11017</sshPrnamt>
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      <None>11017</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MMENTM</titleOfClass>
    <cusip>46432F396</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>17726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17726</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA VALUE</titleOfClass>
    <cusip>46432F388</cusip>
    <value>443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4049</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4049</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
    <cusip>464288687</cusip>
    <value>4862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>122066</Sole>
      <Shared>700</Shared>
      <None>527</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
    <cusip>464288687</cusip>
    <value>1936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49110</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49110</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>3241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12258</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>12258</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>6100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19961</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>19780</Sole>
      <Shared>0</Shared>
      <None>181</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1551</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1551</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>677</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2934</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>854</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>23707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285600</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>284578</Sole>
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      <None>1022</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS TOP 200 ETF</titleOfClass>
    <cusip>464289446</cusip>
    <value>1955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>16796</Sole>
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      <None>365</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>3959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>16719</Sole>
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      <None>1077</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>2088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9388</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9388</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
    <cusip>464287689</cusip>
    <value>213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>767</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 100 ETF</titleOfClass>
    <cusip>464287101</cusip>
    <value>9182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>41572</Sole>
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      <None>332</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 100 ETF</titleOfClass>
    <cusip>464287101</cusip>
    <value>82</value>
    <shrsOrPrnAmt>
      <sshPrnamt>373</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>373</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4685</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>4685</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5755</sshPrnamt>
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      <Sole>5755</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2710</sshPrnamt>
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      <Sole>2710</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>1244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10144</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9394</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6015</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>6015</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>616</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>5165</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. TECH ETF</titleOfClass>
    <cusip>464287721</cusip>
    <value>193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1680</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. TECH ETF</titleOfClass>
    <cusip>464287721</cusip>
    <value>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2252</sshPrnamt>
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      <Sole>0</Sole>
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      <None>2252</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US AER DEF ETF</titleOfClass>
    <cusip>464288760</cusip>
    <value>405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3944</sshPrnamt>
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      <None>3944</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HOME CONS ETF</titleOfClass>
    <cusip>464288752</cusip>
    <value>4639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55941</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>55491</Sole>
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      <None>450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HOME CONS ETF</titleOfClass>
    <cusip>464288752</cusip>
    <value>120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>1450</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US INDUSTRIALS</titleOfClass>
    <cusip>464287754</cusip>
    <value>316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2806</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2806</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US TREAS BD ETF</titleOfClass>
    <cusip>46429B267</cusip>
    <value>2494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>92455</Sole>
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      <None>1006</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US TREAS BD ETF</titleOfClass>
    <cusip>46429B267</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ITAU UNIBANCO HLDG S A</nameOfIssuer>
    <titleOfClass>SPON ADR REP PFD</titleOfClass>
    <cusip>465562106</cusip>
    <value>133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>35599</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
    <titleOfClass>ULTRA SHRT INC</titleOfClass>
    <cusip>46641Q837</cusip>
    <value>1306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25872</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS ENGR GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>469814107</cusip>
    <value>85</value>
    <shrsOrPrnAmt>
      <sshPrnamt>607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>607</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JACOBS ENGR GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>469814107</cusip>
    <value>683</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <None>4905</None>
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    <shrsOrPrnAmt>
      <sshPrnamt>4925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>4925</None>
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  <infoTable>
    <nameOfIssuer>JANUS DETROIT STR TR</nameOfIssuer>
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    <cusip>47103U845</cusip>
    <value>726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14417</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>2073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>11607</Sole>
      <Shared>37</Shared>
      <None>475</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>3175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18558</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G51502105</cusip>
    <value>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>3792</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G51502105</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>632</None>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>2724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>17203</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>1600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10102</None>
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  <infoTable>
    <nameOfIssuer>JUNIPER NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>48203R104</cusip>
    <value>920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>25784</Sole>
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      <None>0</None>
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    <nameOfIssuer>KAYNE ANDERSON ENERGY INFRST</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>486606106</cusip>
    <value>268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>34316</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KIMBELL RTY PARTNERS LP</nameOfIssuer>
    <titleOfClass>UNIT</titleOfClass>
    <cusip>49435R102</cusip>
    <value>143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>10500</None>
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    <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>835</value>
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      <sshPrnamt>5845</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>5755</Sole>
      <Shared>90</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1194</None>
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    <nameOfIssuer>KINDER MORGAN INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49456B101</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49456B101</cusip>
    <value>426</value>
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      <sshPrnamt>26854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26854</None>
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  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V</nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW</titleOfClass>
    <cusip>500472303</cusip>
    <value>205</value>
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      <sshPrnamt>5561</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>5561</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KONINKLIJKE PHILIPS N V</nameOfIssuer>
    <titleOfClass>NY REGIS SHS NEW</titleOfClass>
    <cusip>500472303</cusip>
    <value>1</value>
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      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>24</None>
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  <infoTable>
    <nameOfIssuer>KRANESHARES TR</nameOfIssuer>
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    <cusip>500767736</cusip>
    <value>494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18411</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>18411</None>
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  <infoTable>
    <nameOfIssuer>KROGER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>501044101</cusip>
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      <sshPrnamt>148</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>148</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KROGER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>215</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>4760</None>
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    <value>27</value>
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      <sshPrnamt>128</sshPrnamt>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>2965</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS</nameOfIssuer>
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      <sshPrnamt>2072</sshPrnamt>
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    <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
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      <sshPrnamt>1194</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <None>1</None>
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  <infoTable>
    <nameOfIssuer>LAMAR ADVERTISING CO NEW</nameOfIssuer>
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      <sshPrnamt>2945</sshPrnamt>
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      <None>2945</None>
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  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>913</None>
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  <infoTable>
    <nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>524660107</cusip>
    <value>606</value>
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      <sshPrnamt>14729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>14729</Sole>
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  <infoTable>
    <nameOfIssuer>LEGGETT &amp; PLATT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>300</None>
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  <infoTable>
    <nameOfIssuer>LI-CYCLE HOLDINGS CORP</nameOfIssuer>
    <titleOfClass>COMMON SHARES</titleOfClass>
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      <None>28000</None>
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  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
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      <sshPrnamt>1362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
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      <sshPrnamt>2202</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>2202</None>
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  <infoTable>
    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5494J103</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>605</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LINDE PLC</nameOfIssuer>
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      <sshPrnamt>64</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64</None>
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  <infoTable>
    <nameOfIssuer>LISTED FD TR</nameOfIssuer>
    <titleOfClass>CORE ALT FD</titleOfClass>
    <cusip>53656F847</cusip>
    <value>4624</value>
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      <sshPrnamt>148448</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>147491</Sole>
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      <None>24577</None>
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      <None>29216</None>
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    <nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
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      <sshPrnamt>768</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>768</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
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    <value>417</value>
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      <sshPrnamt>25375</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>25375</None>
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    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
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    <cusip>56585A102</cusip>
    <value>310</value>
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      <sshPrnamt>4851</sshPrnamt>
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      <Sole>4851</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
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    <value>150</value>
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      <sshPrnamt>2351</sshPrnamt>
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      <None>2351</None>
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    <nameOfIssuer>MARKEL CORP</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC</nameOfIssuer>
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    <value>38</value>
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      <Sole>216</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>571748102</cusip>
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      <None>4537</None>
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    <nameOfIssuer>MARTIN MARIETTA MATLS INC</nameOfIssuer>
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      <None>3182</None>
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    <nameOfIssuer>MATCH GROUP INC NEW</nameOfIssuer>
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      <None>5915</None>
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      <None>6560</None>
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      <None>3934</None>
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    <nameOfIssuer>MEDICAL PPTYS TRUST INC</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
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  <infoTable>
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      <None>13369</None>
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    <nameOfIssuer>MESABI TR</nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <cusip>59318D104</cusip>
    <value>76</value>
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    <cusip>59318E102</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
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      <Sole>0</Sole>
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    <shrsOrPrnAmt>
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      <None>8786</None>
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    <nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
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    <shrsOrPrnAmt>
      <sshPrnamt>1918</sshPrnamt>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
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      <sshPrnamt>54867</sshPrnamt>
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      <None>54867</None>
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    <nameOfIssuer>MICROVISION INC DEL</nameOfIssuer>
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      <None>32225</None>
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    <nameOfIssuer>MODERNA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>400</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>MODERNA INC</nameOfIssuer>
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      <sshPrnamt>3224</sshPrnamt>
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      <None>3224</None>
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      <sshPrnamt>4041</sshPrnamt>
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    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
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      <None>2827</None>
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    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
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      <sshPrnamt>565</sshPrnamt>
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      <None>565</None>
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    <nameOfIssuer>MOTOROLA SOLUTIONS INC</nameOfIssuer>
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    <nameOfIssuer>MOTOROLA SOLUTIONS INC</nameOfIssuer>
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    <nameOfIssuer>NATIONAL RETAIL PROPERTIES I</nameOfIssuer>
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    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
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      <None>44836</None>
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    <nameOfIssuer>NEWELL BRANDS INC</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>NGL ENERGY PARTNERS LP</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>NIKE INC</nameOfIssuer>
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  <infoTable>
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      <None>3374</None>
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  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655844108</cusip>
    <value>482</value>
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      <sshPrnamt>1620</sshPrnamt>
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  <infoTable>
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    <cusip>655844108</cusip>
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      <sshPrnamt>432</sshPrnamt>
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      <None>432</None>
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  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>666807102</cusip>
    <value>135</value>
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      <sshPrnamt>348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>2167</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>2167</None>
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  <infoTable>
    <nameOfIssuer>NOVARTIS AG</nameOfIssuer>
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    <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
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    <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
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    <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
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    <nameOfIssuer>OPTICAL CABLE CORP</nameOfIssuer>
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      <None>2234</None>
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    <nameOfIssuer>PIMCO ENERGY &amp; TACTICAL CR O</nameOfIssuer>
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    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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    <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
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    <nameOfIssuer>PLUG POWER INC</nameOfIssuer>
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    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>POLARIS INC</nameOfIssuer>
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      <Sole>1778</Sole>
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    <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>PURE STORAGE INC</nameOfIssuer>
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  <infoTable>
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      <sshPrnamt>239</sshPrnamt>
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  <infoTable>
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    <value>135</value>
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    <nameOfIssuer>RAYONIER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>720</value>
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    <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
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    <value>426</value>
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    <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
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    <value>21</value>
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    <value>17</value>
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    <nameOfIssuer>RIVERNORTH DOUBLELINE STRATE</nameOfIssuer>
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      <None>35097</None>
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      <None>0</None>
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    <nameOfIssuer>ROBLOX CORP</nameOfIssuer>
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      <None>5473</None>
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    <nameOfIssuer>ROCKET COS INC</nameOfIssuer>
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    <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
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      <sshPrnamt>522</sshPrnamt>
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    <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
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    <nameOfIssuer>ROKU INC</nameOfIssuer>
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    <nameOfIssuer>RYDER SYS INC</nameOfIssuer>
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    <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
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    <cusip>785688102</cusip>
    <value>417</value>
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  <infoTable>
    <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
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    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>SALESFORCE COM INC</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>SEA LTD</nameOfIssuer>
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    <cusip>81141R100</cusip>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
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      <sshPrnamt>9081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9081</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>COMMUNICATION</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>COMMUNICATION</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3815</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>6704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>170191</Sole>
      <Shared>200</Shared>
      <None>1325</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>1095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>28052</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>RL EST SEL SEC</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>8549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>163733</Sole>
      <Shared>0</Shared>
      <None>1278</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>7033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>34140</Sole>
      <Shared>0</Shared>
      <None>263</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>1149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5619</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1396</Sole>
      <Shared>32</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9698</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9698</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-INDS</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2517</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-INDS</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7004</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1125</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12003</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>7509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>42493</Sole>
      <Shared>0</Shared>
      <None>699</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>69</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>459</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1419</Sole>
      <Shared>0</Shared>
      <None>108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>823</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>82509L107</cusip>
    <value>1032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>749</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOPIFY INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>82509L107</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMPLIFY EXCHANGE TRADED FUN</nameOfIssuer>
    <titleOfClass>US EQT PLS DWNSD</titleOfClass>
    <cusip>82889N202</cusip>
    <value>630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18934</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18934</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82982L103</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>262</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82982L103</cusip>
    <value>682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2816</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2816</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83088M102</cusip>
    <value>547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3526</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>832696405</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>832696405</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1832</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORPORATION</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>835699307</cusip>
    <value>590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4671</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORPORATION</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>835699307</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12076</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>11776</Sole>
      <Shared>300</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13370</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>844741108</cusip>
    <value>402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>9388</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>844741108</cusip>
    <value>491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11453</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWESTERN ENERGY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>845467109</cusip>
    <value>643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>137884</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>5861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>16016</Sole>
      <Shared>0</Shared>
      <None>118</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>3461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9527</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>3959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>23104</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>1701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9951</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>11252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>23609</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>4225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8896</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>20</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>539</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1 10 Y</titleOfClass>
    <cusip>78468R861</cusip>
    <value>847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40087</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
    <cusip>78468R663</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3285</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG CONV</titleOfClass>
    <cusip>78464A359</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG CONV</titleOfClass>
    <cusip>78464A359</cusip>
    <value>893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10759</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>18705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>171149</Sole>
      <Shared>0</Shared>
      <None>1137</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>2980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>109217</Sole>
      <Shared>0</Shared>
      <None>585</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>518</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI TIPS ETF</titleOfClass>
    <cusip>78464A656</cusip>
    <value>1305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>41443</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO AGRGTE</titleOfClass>
    <cusip>78464A649</cusip>
    <value>465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15694</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT</titleOfClass>
    <cusip>78464A474</cusip>
    <value>14531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>469353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>464073</Sole>
      <Shared>149</Shared>
      <None>5131</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT</titleOfClass>
    <cusip>78464A474</cusip>
    <value>1203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38828</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
    <cusip>78464A300</cusip>
    <value>494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5835</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4820</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P OILGAS EXP</titleOfClass>
    <cusip>78468R556</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2763</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL GOLD &amp; SILVE</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>85208R101</cusip>
    <value>574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32354</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSGA ACTIVE ETF TR</nameOfIssuer>
    <titleOfClass>BLACKSTONE SENR</titleOfClass>
    <cusip>78467V608</cusip>
    <value>1424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31214</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2226</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7546</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
    <value>264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2835</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC</nameOfIssuer>
    <titleOfClass>SHS USD</titleOfClass>
    <cusip>G8473T100</cusip>
    <value>522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1998</Sole>
      <Shared>0</Shared>
      <None>144</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1096</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>374</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5065</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4028</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>874054109</cusip>
    <value>541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2820</Sole>
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      <sshPrnamt>7730</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>7730</None>
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    <value>31</value>
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      <None>2722</None>
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    <nameOfIssuer>THOR INDS INC</nameOfIssuer>
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    <value>392</value>
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    <nameOfIssuer>TIMKEN CO</nameOfIssuer>
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    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
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    <nameOfIssuer>TREX CO INC</nameOfIssuer>
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    <nameOfIssuer>TRITON INTL LTD</nameOfIssuer>
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      <None>9938</None>
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    <nameOfIssuer>TRIVAGO N V</nameOfIssuer>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <sshPrnamt>48457</sshPrnamt>
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  <infoTable>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90353T100</cusip>
    <value>129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3065</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBS AG LONDON BRANCH</nameOfIssuer>
    <titleOfClass>ETRACS MVIS BUSI</titleOfClass>
    <cusip>90274D416</cusip>
    <value>2546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>126211</Sole>
      <Shared>0</Shared>
      <None>721</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90384S303</cusip>
    <value>443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>978</Sole>
      <Shared>0</Shared>
      <None>95</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90384S303</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>0</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>904767704</cusip>
    <value>916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>16465</Sole>
      <Shared>575</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>904767704</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>737</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1401</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>2453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9738</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>1750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8163</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
    <value>118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
    <value>647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1946</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>1995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3972</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3807</Sole>
      <Shared>25</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>2685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5347</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UPSTART HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91680M107</cusip>
    <value>221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>5495</Sole>
      <Shared>235</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>918204108</cusip>
    <value>187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>918204108</cusip>
    <value>693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9467</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>71</value>
    <shrsOrPrnAmt>
      <sshPrnamt>943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5393</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>EMERGING MRKT HI</titleOfClass>
    <cusip>92189F353</cusip>
    <value>3512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>156069</Sole>
      <Shared>0</Shared>
      <None>756</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26834</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26834</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>JP MRGAN EM LOC</titleOfClass>
    <cusip>92189H300</cusip>
    <value>766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26769</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>RARE EARTH/STRTG</titleOfClass>
    <cusip>92189H805</cusip>
    <value>1139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10153</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>SEMICONDUCTR ETF</titleOfClass>
    <cusip>92189F676</cusip>
    <value>319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1034</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>1141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>20686</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>82</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1486</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>979</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>979</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>1515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>13001</Sole>
      <Shared>62</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1146</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>2048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9063</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>1708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>7004</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>6515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26985</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3671</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6678</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6378</Sole>
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      <None>300</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3036</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>3036</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4520</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4520</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9107</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>9066</Sole>
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      <None>41</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>277</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>7112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41408</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>41408</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>845</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>845</None>
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    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7823</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>7823</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>406</None>
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    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP VAL ETF</titleOfClass>
    <cusip>921910840</cusip>
    <value>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2765</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2765</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>3318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12453</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1413</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>140</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92345Y106</cusip>
    <value>430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1878</None>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>2049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39449</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>38949</Sole>
      <Shared>500</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>3666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70562</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
    <titleOfClass>5.75% CONV PFD</titleOfClass>
    <cusip>92556H305</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>4000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>92556H206</cusip>
    <value>58</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1856</Sole>
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      <None>75</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>92556H206</cusip>
    <value>823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27273</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>825</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9351</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>925652109</cusip>
    <value>192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6376</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>925652109</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1113</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VIRTUS ALLIANZGI CONVERTIBLE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92838X102</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10273</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>1515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6767</Sole>
      <Shared>0</Shared>
      <None>227</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>2310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10662</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VMWARE INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>928563402</cusip>
    <value>10324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>89090</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>92857W308</cusip>
    <value>490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>31498</Sole>
      <Shared>1350</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>92857W308</cusip>
    <value>86</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5762</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>9438</Sole>
      <Shared>150</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3990</Sole>
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      <None>260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>1436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9928</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9928</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASHINGTON REAL ESTATE INVT</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>939653101</cusip>
    <value>662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25619</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>542</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3527</None>
    </votingAuthority>
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