<SEC-DOCUMENT>0001104659-22-118577.txt : 20221114
<SEC-HEADER>0001104659-22-118577.hdr.sgml : 20221114
<ACCEPTANCE-DATETIME>20221114162007
ACCESSION NUMBER:		0001104659-22-118577
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220930
FILED AS OF DATE:		20221114
DATE AS OF CHANGE:		20221114
EFFECTIVENESS DATE:		20221114

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:		221385781

	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>
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<TYPE>13F-HR
<SEQUENCE>1
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      <periodOfReport>09-30-2022</periodOfReport>
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          <ns1:city>Dallas</ns1:city>
          <ns1:stateOrCountry>TX</ns1:stateOrCountry>
          <ns1:zipCode>75205</ns1:zipCode>
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    <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>11-14-2022</signatureDate>
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  <infoTable>
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    <nameOfIssuer>BARINGS BDC INC</nameOfIssuer>
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    <nameOfIssuer>BCE INC</nameOfIssuer>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
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      <sshPrnamt>289</sshPrnamt>
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      <Sole>289</Sole>
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  <infoTable>
    <nameOfIssuer>BERKLEY W R CORP</nameOfIssuer>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
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    <nameOfIssuer>BJS WHSL CLUB HLDGS INC</nameOfIssuer>
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    <nameOfIssuer>BLACKROCK CAP ALLOCATION TR</nameOfIssuer>
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    <nameOfIssuer>BLACKROCK MUNI INCOME TR II</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>BLACKSTONE SENIOR FLOATNG RA</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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      <Sole>20</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR</nameOfIssuer>
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    <value>380</value>
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      <sshPrnamt>4111</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>4111</None>
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  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>101137107</cusip>
    <value>108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2802</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2802</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>101137107</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5802</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5802</None>
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  <infoTable>
    <nameOfIssuer>BP PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>055622104</cusip>
    <value>365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>12789</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BP PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>055622104</cusip>
    <value>117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>4086</None>
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    <nameOfIssuer>BRAEMAR HOTELS &amp; RESORTS INC</nameOfIssuer>
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    <cusip>10482B200</cusip>
    <value>191</value>
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      <sshPrnamt>12949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>12949</None>
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    <nameOfIssuer>BRC INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>05601U105</cusip>
    <value>201</value>
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      <sshPrnamt>26050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>26050</None>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>1018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>14175</Sole>
      <Shared>150</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8427</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>8427</None>
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    <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>110448107</cusip>
    <value>924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>25100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>110448107</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</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>700</None>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>1746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3933</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>3933</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>988</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>988</None>
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  <infoTable>
    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11133T103</cusip>
    <value>857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>5714</Sole>
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      <None>224</None>
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  <infoTable>
    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11133T103</cusip>
    <value>29</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>200</None>
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  <infoTable>
    <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
    <titleOfClass>LP INT UNIT</titleOfClass>
    <cusip>G16252101</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6020</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>6020</None>
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  <infoTable>
    <nameOfIssuer>CANADIAN IMPERIAL BK COMM TO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136069101</cusip>
    <value>543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>12288</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136375102</cusip>
    <value>251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>2320</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136375102</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214</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>214</None>
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  <infoTable>
    <nameOfIssuer>CANADIAN PAC RY LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13645T100</cusip>
    <value>582</value>
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      <sshPrnamt>8720</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>8720</None>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8959</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>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6865</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>6865</None>
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  <infoTable>
    <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>143658300</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11400</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>11400</None>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>341</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2788</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>2788</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CDW CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12514G108</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>1636</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>15135B101</cusip>
    <value>464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>5966</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>15135B101</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>204</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>16411R208</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>563</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>16411R208</cusip>
    <value>698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4205</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>4205</None>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>2237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>15544</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>4822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33563</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>33563</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>2075</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>623</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CIGNA CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>641</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CIGNA CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>124</value>
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      <sshPrnamt>448</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>448</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>172908105</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>152</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>225</value>
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    <nameOfIssuer>COHEN &amp; STEERS QUALITY INCOM</nameOfIssuer>
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    <nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CONAGRA BRANDS INC</nameOfIssuer>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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    <nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
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      <None>5825</None>
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    <nameOfIssuer>CRANE HLDGS CO</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CRANE HLDGS CO</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
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      <None>4826</None>
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  <infoTable>
    <nameOfIssuer>CULLEN FROST BANKERS INC</nameOfIssuer>
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      <None>2348</None>
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    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
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    <value>997</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>14435</None>
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  <infoTable>
    <nameOfIssuer>D R HORTON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>D R HORTON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>1400</None>
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  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ENPHASE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29355A107</cusip>
    <value>1402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5053</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>3566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>149962</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1883</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>366</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ETF MANAGERS TR</nameOfIssuer>
    <titleOfClass>PRIME CYBR SCRTY</titleOfClass>
    <cusip>26924G201</cusip>
    <value>512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11808</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30040W108</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1343</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30040W108</cusip>
    <value>107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1378</None>
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  <infoTable>
    <nameOfIssuer>EXCELERATE ENERGY INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>30069T101</cusip>
    <value>367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15671</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>2397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>26376</Sole>
      <Shared>475</Shared>
      <None>600</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>6802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>77910</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31620M106</cusip>
    <value>137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31620M106</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1697</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>320517105</cusip>
    <value>226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>9620</Sole>
      <Shared>0</Shared>
      <None>260</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>320517105</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>300</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR ABRDN GBL OPP INCM</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>337319107</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16001</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>PFD SECS INC ETF</titleOfClass>
    <cusip>33739E108</cusip>
    <value>369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22070</None>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
    <titleOfClass>RIVR FRNT DYN</titleOfClass>
    <cusip>33739P707</cusip>
    <value>391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8485</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRAD FD VI</nameOfIssuer>
    <titleOfClass>FST TR GLB FD</titleOfClass>
    <cusip>33739H101</cusip>
    <value>1152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>45464</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>CAP STRENGTH ETF</titleOfClass>
    <cusip>33733E104</cusip>
    <value>219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3295</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NAS CLNEDG GREEN</titleOfClass>
    <cusip>33733E500</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4479</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>4479</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SENIOR LN FD</titleOfClass>
    <cusip>33738D309</cusip>
    <value>282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6389</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FIRST TR ENH NEW</titleOfClass>
    <cusip>33739Q408</cusip>
    <value>502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8465</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>5224</Sole>
      <Shared>0</Shared>
      <None>248</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>260</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>42149</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS HOME &amp; SEC IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34964C106</cusip>
    <value>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4057</Sole>
      <Shared>0</Shared>
      <None>215</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FUBOTV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35953D104</cusip>
    <value>430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>121095</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FUELCELL ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35952H601</cusip>
    <value>86</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GABELLI UTIL TR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36240A101</cusip>
    <value>1151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>166745</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>368736104</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>368736104</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1259</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1421</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>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>5131</Sole>
      <Shared>150</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6712</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>1238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>8290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1952</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>1407</value>
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      <sshPrnamt>22820</sshPrnamt>
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    <nameOfIssuer>GLADSTONE LD CORP</nameOfIssuer>
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      <None>10318</None>
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    <cusip>37940X102</cusip>
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      <sshPrnamt>599</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
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    <cusip>37940X102</cusip>
    <value>145</value>
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      <None>1339</None>
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    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
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    <value>184</value>
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      <None>10252</None>
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    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
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    <cusip>37954Y855</cusip>
    <value>551</value>
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    <cusip>37954Y871</cusip>
    <value>31</value>
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      <None>18059</None>
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    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
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    <nameOfIssuer>HALL OF FAME RESORT &amp; ENTMT</nameOfIssuer>
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    <nameOfIssuer>HANNON ARMSTRONG SUST INFR C</nameOfIssuer>
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    <nameOfIssuer>HANNON ARMSTRONG SUST INFR C</nameOfIssuer>
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    <nameOfIssuer>HEALTHPEAK PROPERTIES INC</nameOfIssuer>
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    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
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      <None>5018</None>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HUBBELL INC</nameOfIssuer>
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      <Sole>35760</Sole>
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  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>HYZON MOTORS INC</nameOfIssuer>
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    <value>222</value>
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      <sshPrnamt>130445</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>HYZON MOTORS INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>IAA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>8643</sshPrnamt>
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  <infoTable>
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      <sshPrnamt>1195</sshPrnamt>
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      <Sole>1195</Sole>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>1400</None>
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    <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
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      <sshPrnamt>24755</sshPrnamt>
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    <nameOfIssuer>INNOVATIVE INDL PPTYS INC</nameOfIssuer>
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      <sshPrnamt>3305</sshPrnamt>
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    <nameOfIssuer>INSULET CORP</nameOfIssuer>
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      <sshPrnamt>1619</sshPrnamt>
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    <nameOfIssuer>INTEL CORP</nameOfIssuer>
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      <sshPrnamt>32589</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>INTERPUBLIC GROUP COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>30473</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>287</value>
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      <sshPrnamt>742</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>474</Sole>
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  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>1758</sshPrnamt>
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    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
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    <value>71</value>
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      <sshPrnamt>381</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
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    <value>694</value>
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  <infoTable>
    <nameOfIssuer>INVESCO ACTIVELY MANAGED ETF</nameOfIssuer>
    <titleOfClass>ULTRA SHRT DUR</titleOfClass>
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    <nameOfIssuer>INVESCO ACTVELY MNGD ETC FD</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>INVESCO DB COMMDY INDX TRCK</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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    <cusip>46138E354</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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      <sshPrnamt>28064</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
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      <Sole>20308</Sole>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
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      <sshPrnamt>16006</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>16770</sshPrnamt>
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      <Sole>16770</Sole>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>WATER RES ETF</titleOfClass>
    <cusip>46137V142</cusip>
    <value>1373</value>
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      <sshPrnamt>30000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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      <sshPrnamt>4696</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>4696</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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    <cusip>46137V282</cusip>
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      <sshPrnamt>1101</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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    <cusip>46137V324</cusip>
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      <sshPrnamt>3852</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>3852</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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    <cusip>46137V332</cusip>
    <value>326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1299</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>1299</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>427</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>2997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>23550</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>DYNMC ENRG EXP</titleOfClass>
    <cusip>46137V761</cusip>
    <value>2911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>105657</None>
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  <infoTable>
    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
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    <cusip>G491BT108</cusip>
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      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>450</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
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    <cusip>G491BT108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>32143</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>32143</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>3083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
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  <infoTable>
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      <None>15554</None>
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  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>43</value>
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  <infoTable>
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    <cusip>464285204</cusip>
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      <None>21723</None>
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  <infoTable>
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  <infoTable>
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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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    <cusip>464287168</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
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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>
    <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>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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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>GLOBAL TECH ETF</titleOfClass>
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      <None>1200</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>20 YR TR BD ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD</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 ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP 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>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
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  <infoTable>
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    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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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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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF</titleOfClass>
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    <titleOfClass>FLTG RATE NT ETF</titleOfClass>
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  <infoTable>
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    <titleOfClass>MSCI USA MIN VOL</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>0-5 YR TIPS ETF</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <value>987</value>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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      <sshPrnamt>14898</sshPrnamt>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>NUVEEN NASDAQ 100 DYNAMIC OV</nameOfIssuer>
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    <nameOfIssuer>NUVEEN S&amp;P 500 BUY-WRITE INC</nameOfIssuer>
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    <value>176</value>
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      <sshPrnamt>1286</sshPrnamt>
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      <sshPrnamt>8701</sshPrnamt>
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    <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
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    <nameOfIssuer>OLD REP INTL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
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    <value>35</value>
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    <nameOfIssuer>PARAMOUNT GLOBAL</nameOfIssuer>
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      <None>577</None>
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    <titleOfClass>COM</titleOfClass>
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    <value>534</value>
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      <sshPrnamt>3270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3240</Sole>
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      <None>0</None>
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    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>687</value>
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      <Sole>0</Sole>
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      <None>4207</None>
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    <nameOfIssuer>PERKINELMER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>714046109</cusip>
    <value>301</value>
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      <sshPrnamt>2495</sshPrnamt>
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      <None>166</None>
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    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>1882</value>
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      <sshPrnamt>43002</sshPrnamt>
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      <sshPrnamt>28338</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>28338</None>
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    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>23001</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>22601</Sole>
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      <None>400</None>
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      <sshPrnamt>4230</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>4230</None>
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    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>4419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4069</Sole>
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      <None>350</None>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>195</value>
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      <sshPrnamt>2415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>2415</None>
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  <infoTable>
    <nameOfIssuer>PIMCO ENERGY &amp; TACTICAL CR O</nameOfIssuer>
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    <cusip>69346N107</cusip>
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      <sshPrnamt>26350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26350</None>
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    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
    <titleOfClass>ENHAN SHRT MA AC</titleOfClass>
    <cusip>72201R833</cusip>
    <value>7180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>72625</Sole>
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      <None>0</None>
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    <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
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    <value>72</value>
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      <sshPrnamt>733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>733</None>
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    <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>723787107</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1123</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PIONEER NAT RES CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>1545</None>
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    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>442</value>
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      <sshPrnamt>2953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
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      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>12</None>
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  <infoTable>
    <nameOfIssuer>POLARIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>731068102</cusip>
    <value>228</value>
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      <sshPrnamt>2383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2341</Sole>
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  <infoTable>
    <nameOfIssuer>POLARIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>439</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>439</None>
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  <infoTable>
    <nameOfIssuer>PPL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>12534</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>PPL CORP</nameOfIssuer>
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      <None>997</None>
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    <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
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    <cusip>74144T108</cusip>
    <value>100</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer>
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      <sshPrnamt>3169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>0</Sole>
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      <None>3169</None>
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  <infoTable>
    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>6027</None>
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  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1607</Sole>
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      <None>400</None>
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  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>13082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>13082</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>SHORT S&amp;P 500 NE</titleOfClass>
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    <value>3876</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>223032</Sole>
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      <None>1416</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>SHORT QQQ NEW</titleOfClass>
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    <value>2694</value>
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      <sshPrnamt>180616</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>179398</Sole>
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      <None>1218</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>SHRT HGH YIELD</titleOfClass>
    <cusip>74347R131</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
    <titleOfClass>SHRT 20+YR TRE</titleOfClass>
    <cusip>74347X849</cusip>
    <value>2888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129569</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>128956</Sole>
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      <None>613</None>
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  <infoTable>
    <nameOfIssuer>PROSHARES TR</nameOfIssuer>
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    <cusip>74348A467</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>3207</None>
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  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744320102</cusip>
    <value>302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>3520</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>4090</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>471</value>
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      <sshPrnamt>4169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>4169</None>
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  <infoTable>
    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>9553</Sole>
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      <None>194</None>
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  <infoTable>
    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>351</value>
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      <sshPrnamt>4285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>4285</None>
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  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>756109104</cusip>
    <value>185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3018</Sole>
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  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>756109104</cusip>
    <value>630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10834</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>10834</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>7591EP100</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>10313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>7591EP100</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>797</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESTAURANT BRANDS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>76131D103</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RESTAURANT BRANDS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>76131D103</cusip>
    <value>336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6325</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REWALK ROBOTICS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>M8216Q200</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>767204100</cusip>
    <value>178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>767204100</cusip>
    <value>491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8921</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RIVERNORTH DOUBLELINE STRATE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>76882G107</cusip>
    <value>322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35047</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>778296103</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2429</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYDER SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>783549108</cusip>
    <value>531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>7029</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RYDER SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>783549108</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>85</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1552</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>460</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
    <titleOfClass>UNIT BEN INT</titleOfClass>
    <cusip>785688102</cusip>
    <value>711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABINE RTY TR</nameOfIssuer>
    <titleOfClass>UNIT BEN INT</titleOfClass>
    <cusip>785688102</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SACHEM CAP CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78590A109</cusip>
    <value>127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>38000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1844</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1531</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE</nameOfIssuer>
    <titleOfClass>SPON ADR</titleOfClass>
    <cusip>803054204</cusip>
    <value>200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2463</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10397</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>815</Sole>
      <Shared>25</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>585</Sole>
      <Shared>32</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>4468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>66413</Sole>
      <Shared>0</Shared>
      <None>553</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>54</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2794</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2285</Sole>
      <Shared>200</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-INDS</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>66</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>550</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4725</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>6628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>100387</Sole>
      <Shared>0</Shared>
      <None>789</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2956</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8106</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5933</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7921</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27004</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-INDS</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>89</value>
    <shrsOrPrnAmt>
      <sshPrnamt>746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>746</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>1027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15678</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3318</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2245</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>1508</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>769</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82982L103</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>103</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82982L103</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2680</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>252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1833</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOCIEDAD QUIMICA Y MINERA DE</nameOfIssuer>
    <titleOfClass>SPON ADR SER B</titleOfClass>
    <cusip>833635105</cusip>
    <value>766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOLAREDGE TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83417M104</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOLAREDGE TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83417M104</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1044</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1044</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORPORATION</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>835699307</cusip>
    <value>320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4994</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONY GROUP CORPORATION</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>835699307</cusip>
    <value>1</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>802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>11548</Sole>
      <Shared>250</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12332</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>844741108</cusip>
    <value>278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>9000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>844741108</cusip>
    <value>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9999</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1236</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>16398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>105433</Sole>
      <Shared>0</Shared>
      <None>585</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>1578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10203</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>5704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>15889</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>3758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10522</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>8</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>0</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>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>508</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
    <cusip>78464A300</cusip>
    <value>273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4069</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT</titleOfClass>
    <cusip>78464A474</cusip>
    <value>7448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>251860</Sole>
      <Shared>149</Shared>
      <None>2975</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT</titleOfClass>
    <cusip>78464A474</cusip>
    <value>390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13358</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFLI TIPS ETF</titleOfClass>
    <cusip>78464A656</cusip>
    <value>1008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39765</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>14</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>526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4720</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH</titleOfClass>
    <cusip>78464A870</cusip>
    <value>244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3075</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG INVT</titleOfClass>
    <cusip>78468R200</cusip>
    <value>4538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>149837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>149837</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG INVT</titleOfClass>
    <cusip>78468R200</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>1767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>73886</Sole>
      <Shared>0</Shared>
      <None>469</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>3333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>37936</Sole>
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    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
    <cusip>78468R663</cusip>
    <value>5619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61342</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>61342</None>
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    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1 10 Y</titleOfClass>
    <cusip>78468R861</cusip>
    <value>685</value>
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      <sshPrnamt>37604</sshPrnamt>
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      <Sole>0</Sole>
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      <None>37604</None>
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    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>2265</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>96</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1138</sshPrnamt>
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      <None>1138</None>
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    <nameOfIssuer>STERIS PLC</nameOfIssuer>
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    <value>344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1986</Sole>
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      <None>79</None>
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    <nameOfIssuer>STONECO LTD</nameOfIssuer>
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    <value>615</value>
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      <sshPrnamt>64540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64540</None>
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    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>8</value>
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      <sshPrnamt>41</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>41</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>1197</None>
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  <infoTable>
    <nameOfIssuer>SUNNOVA ENERGY INTL INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>86745K104</cusip>
    <value>287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>12985</None>
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  <infoTable>
    <nameOfIssuer>SUNNOVA ENERGY INTL INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>86745K104</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <putCall>Put</putCall>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>1000</None>
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  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>208</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5423</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>5423</None>
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  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
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    <cusip>874039100</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3034</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3034</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>201</value>
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      <sshPrnamt>2926</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>2926</None>
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  <infoTable>
    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>874054109</cusip>
    <value>395</value>
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      <sshPrnamt>3627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3466</Sole>
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      <None>161</None>
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  <infoTable>
    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>11</value>
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      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>103</None>
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    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4988</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4988</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>1197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8067</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <Sole>0</Sole>
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      <None>8067</None>
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  <infoTable>
    <nameOfIssuer>TC ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87807B107</cusip>
    <value>338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>8083</Sole>
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  <infoTable>
    <nameOfIssuer>TC ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87807B107</cusip>
    <value>4</value>
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      <sshPrnamt>100</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>H84989104</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1958</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
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    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
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      <None>15</None>
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  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14334</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>14334</None>
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  <infoTable>
    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
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      <Sole>3323</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
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      <sshPrnamt>4162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>4162</None>
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  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3343</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3343</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>882508104</cusip>
    <value>1237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7993</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>7993</None>
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  <infoTable>
    <nameOfIssuer>TEXAS PACIFIC LAND CORPORATI</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88262P102</cusip>
    <value>275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>155</None>
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  <infoTable>
    <nameOfIssuer>TEXTRON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883203101</cusip>
    <value>14</value>
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      <sshPrnamt>234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>234</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TEXTRON INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883203101</cusip>
    <value>190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3261</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>3261</None>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>852</value>
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      <sshPrnamt>1681</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1603</Sole>
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      <None>78</None>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>883556102</cusip>
    <value>1745</value>
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      <sshPrnamt>3440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>3440</None>
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  <infoTable>
    <nameOfIssuer>THOR INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>885160101</cusip>
    <value>242</value>
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      <sshPrnamt>3454</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3379</Sole>
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      <None>75</None>
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  <infoTable>
    <nameOfIssuer>TIMKEN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>887389104</cusip>
    <value>305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5055</Sole>
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      <None>110</None>
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  <infoTable>
    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872540109</cusip>
    <value>558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8997</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>8519</Sole>
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      <None>478</None>
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  <infoTable>
    <nameOfIssuer>TJX COS INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>805</value>
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      <sshPrnamt>12962</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>12962</None>
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  <infoTable>
    <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>872590104</cusip>
    <value>277</value>
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      <sshPrnamt>2066</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2066</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>T-MOBILE US INC</nameOfIssuer>
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    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOAST INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>888787108</cusip>
    <value>666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39850</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>89151E109</cusip>
    <value>512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>10901</Sole>
      <Shared>100</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TPI COMPOSITES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87266J104</cusip>
    <value>122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10801</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANSOCEAN LTD</nameOfIssuer>
    <titleOfClass>REG SHS</titleOfClass>
    <cusip>H8817H100</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>953</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89417E109</cusip>
    <value>158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1032</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TREX CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89531P105</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TREX CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89531P105</cusip>
    <value>199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4533</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRITON INTL LTD</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>G9078F107</cusip>
    <value>551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10059</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>15596</Sole>
      <Shared>260</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1075</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>U S SILICA HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90346E103</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20528</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UBS AG LONDON BRANCH</nameOfIssuer>
    <titleOfClass>ETRACS MVIS BUSI</titleOfClass>
    <cusip>90274D416</cusip>
    <value>1373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>87921</Sole>
      <Shared>0</Shared>
      <None>560</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>90384S303</cusip>
    <value>286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>687</Sole>
      <Shared>0</Shared>
      <None>26</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>904767704</cusip>
    <value>552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>12516</Sole>
      <Shared>70</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>904767704</cusip>
    <value>135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3079</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>1942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9970</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>2004</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>1141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7061</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
    <value>511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1893</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>2054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3903</Sole>
      <Shared>25</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>3739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7404</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UPSTART HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91680M107</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>8</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UPSTART HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91680M107</cusip>
    <value>320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15385</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6491</Sole>
      <Shared>285</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6005</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>918204108</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V F CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>918204108</cusip>
    <value>197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6602</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2364</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>EMERGING MRKT HI</titleOfClass>
    <cusip>92189F353</cusip>
    <value>2658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>157621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>156614</Sole>
      <Shared>0</Shared>
      <None>1007</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30499</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>RARE EARTH/STRTG</titleOfClass>
    <cusip>92189H805</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2582</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>8358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>174313</Sole>
      <Shared>0</Shared>
      <None>836</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>71</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>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>189</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>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>1294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>16083</Sole>
      <Shared>62</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>38</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>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3870</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>3914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11921</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>44</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>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1647</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2578</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2345</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7499</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>2572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>34408</Sole>
      <Shared>0</Shared>
      <None>221</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>123</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>6658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>49262</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>597</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>3933</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5075</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>2549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11393</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1079</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>2143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>55936</Sole>
      <Shared>500</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>2083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54868</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92532F100</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>712</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>925652109</cusip>
    <value>1160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>38886</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>925652109</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US DISCVRY</titleOfClass>
    <cusip>92647N774</cusip>
    <value>1485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27320</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICTORY PORTFOLIOS II</nameOfIssuer>
    <titleOfClass>VCSHS US EQ INCM</titleOfClass>
    <cusip>92647N824</cusip>
    <value>1624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>27363</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIRTUS CONVERTIBLE &amp; INCOME</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92838X102</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10273</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>1096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>171</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>1429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8042</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8042</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VMWARE INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>928563402</cusip>
    <value>9481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>89059</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VMWARE INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>928563402</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>92857W308</cusip>
    <value>453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>38635</Sole>
      <Shared>1350</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC NEW</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>92857W308</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3080</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>10162</Sole>
      <Shared>350</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1,2</otherManager>
    <votingAuthority>
      <Sole>4514</Sole>
      <Shared>0</Shared>
      <None>260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>1334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3,4</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10283</None>
    </votingAuthority>
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