<SEC-DOCUMENT>0000717538-23-000114.txt : 20230503
<SEC-HEADER>0000717538-23-000114.hdr.sgml : 20230503
<ACCEPTANCE-DATETIME>20230503163502
ACCESSION NUMBER:		0000717538-23-000114
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230331
FILED AS OF DATE:		20230503
DATE AS OF CHANGE:		20230503
EFFECTIVENESS DATE:		20230503

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ARROW FINANCIAL CORP
		CENTRAL INDEX KEY:			0000717538
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				222448962
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-12533
		FILM NUMBER:		23884690

	BUSINESS ADDRESS:	
		STREET 1:		250 GLEN ST
		CITY:			GLENS FALLS
		STATE:			NY
		ZIP:			12801
		BUSINESS PHONE:		5184154299

	MAIL ADDRESS:	
		STREET 1:		250 GLEN STREET
		CITY:			GLENS FALLS
		STATE:			NY
		ZIP:			12801

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ARROW BANK CORP
		DATE OF NAME CHANGE:	19900710
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:com="http://www.sec.gov/edgar/common" xmlns="http://www.sec.gov/edgar/thirteenffiler">
  <schemaVersion>X0202</schemaVersion>
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
      <filer>
        <credentials>
          <cik>0000717538</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>03-31-2023</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>03-31-2023</reportCalendarOrQuarter>
      <filingManager>
        <name>Arrow Financial Corp</name>
        <address>
          <com:street1>250 GLEN STREET</com:street1>
          <com:city>Glens Falls</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>12801</com:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-12533</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>PENKO IVANOV</name>
      <title>CHIEF FINANCIAL OFFICER</title>
      <phone>518-415-4512</phone>
      <signature>/S/ PENKO IVANOV</signature>
      <city>GLENS FALLS</city>
      <stateOrCountry>NY</stateOrCountry>
      <signatureDate>05-03-2023</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>2</otherIncludedManagersCount>
      <tableEntryTotal>717</tableEntryTotal>
      <tableValueTotal>767268345</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
      <otherManagers2Info>
        <otherManager2>
          <sequenceNumber>2</sequenceNumber>
          <otherManager>
            <cik>0000902882</cik>
            <name>GLENS FALLS NATIONAL BANK &amp; TRUST CO /NY</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>3</sequenceNumber>
          <otherManager>
            <cik>0001401342</cik>
            <name>North Country Investment Advisers, Inc.</name>
          </otherManager>
        </otherManager2>
      </otherManagers2Info>
    </summaryPage>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>information_table.xml
<DESCRIPTION>INFORMATION TABLE
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?><informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><infoTable><nameOfIssuer>ABBOTT LABS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>002824100</cusip><value>2008290</value><shrsOrPrnAmt><sshPrnamt>19833</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>19833</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBVIE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00287Y109</cusip><value>835258</value><shrsOrPrnAmt><sshPrnamt>5241</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5241</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00507V109</cusip><value>1815193</value><shrsOrPrnAmt><sshPrnamt>21208</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>21208</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00724F101</cusip><value>2578511</value><shrsOrPrnAmt><sshPrnamt>6691</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6691</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>009158106</cusip><value>79844</value><shrsOrPrnAmt><sshPrnamt>278</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>278</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K305</cusip><value>5775686</value><shrsOrPrnAmt><sshPrnamt>55680</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>55680</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL C</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K107</cusip><value>1499680</value><shrsOrPrnAmt><sshPrnamt>14420</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>14420</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02209S103</cusip><value>275796</value><shrsOrPrnAmt><sshPrnamt>6181</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6181</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMAZON.COM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>023135106</cusip><value>3894136</value><shrsOrPrnAmt><sshPrnamt>37701</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>37701</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN ELEC PWR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>025537101</cusip><value>55959</value><shrsOrPrnAmt><sshPrnamt>615</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>615</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>025816109</cusip><value>287013</value><shrsOrPrnAmt><sshPrnamt>1740</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1740</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN INTERNATIONAL GROUP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>026874784</cusip><value>15108</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN WATER WORKS CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>030420103</cusip><value>817561</value><shrsOrPrnAmt><sshPrnamt>5581</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5581</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>1139851</value><shrsOrPrnAmt><sshPrnamt>4715</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4715</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMPHENOL CORP CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032095101</cusip><value>38163</value><shrsOrPrnAmt><sshPrnamt>467</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>467</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032654105</cusip><value>11833</value><shrsOrPrnAmt><sshPrnamt>60</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>60</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>037833100</cusip><value>9003540</value><shrsOrPrnAmt><sshPrnamt>54600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>54600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>038222105</cusip><value>282509</value><shrsOrPrnAmt><sshPrnamt>2300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>039483102</cusip><value>15932</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ASHLAND INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>044186104</cusip><value>119246</value><shrsOrPrnAmt><sshPrnamt>1161</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1161</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AT&amp;T INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00206R102</cusip><value>724686</value><shrsOrPrnAmt><sshPrnamt>37646</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>37646</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTODESK INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>052769106</cusip><value>16653</value><shrsOrPrnAmt><sshPrnamt>80</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>80</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>053015103</cusip><value>1129179</value><shrsOrPrnAmt><sshPrnamt>5072</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5072</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>060505104</cusip><value>1640839</value><shrsOrPrnAmt><sshPrnamt>57372</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>57372</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF NEW YORK MELLON CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>064058100</cusip><value>50529</value><shrsOrPrnAmt><sshPrnamt>1112</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1112</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BAXTER INTL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>071813109</cusip><value>17441</value><shrsOrPrnAmt><sshPrnamt>430</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>430</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BECTON DICKINSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>075887109</cusip><value>47033</value><shrsOrPrnAmt><sshPrnamt>190</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>190</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>084670702</cusip><value>2958325</value><shrsOrPrnAmt><sshPrnamt>9581</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9581</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BEST BUY CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>086516101</cusip><value>3522</value><shrsOrPrnAmt><sshPrnamt>45</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>45</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09247X101</cusip><value>2264971</value><shrsOrPrnAmt><sshPrnamt>3385</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3385</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLACKSTONE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09260D107</cusip><value>49015</value><shrsOrPrnAmt><sshPrnamt>558</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>558</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BOEING CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>097023105</cusip><value>33989</value><shrsOrPrnAmt><sshPrnamt>160</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>160</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09857L108</cusip><value>82225</value><shrsOrPrnAmt><sshPrnamt>31</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>31</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>110122108</cusip><value>2420444</value><shrsOrPrnAmt><sshPrnamt>34922</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>34922</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BROADCOM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>11135F101</cusip><value>87891</value><shrsOrPrnAmt><sshPrnamt>137</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>137</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CAPITAL ONE FINANCIAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14040H105</cusip><value>34137</value><shrsOrPrnAmt><sshPrnamt>355</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>355</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14149Y108</cusip><value>7550</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14448C104</cusip><value>41267</value><shrsOrPrnAmt><sshPrnamt>902</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>902</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>149123101</cusip><value>1975347</value><shrsOrPrnAmt><sshPrnamt>8632</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8632</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>808513105</cusip><value>32738</value><shrsOrPrnAmt><sshPrnamt>625</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>625</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHARTER COMMUNICATIONS INC CL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>16119P108</cusip><value>1073</value><shrsOrPrnAmt><sshPrnamt>3</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>166764100</cusip><value>1159089</value><shrsOrPrnAmt><sshPrnamt>7104</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7104</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>17275R102</cusip><value>3059394</value><shrsOrPrnAmt><sshPrnamt>58525</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>58525</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CITIGROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>172967424</cusip><value>7034</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CLOROX COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>189054109</cusip><value>78645</value><shrsOrPrnAmt><sshPrnamt>497</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>497</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CME GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>12572Q105</cusip><value>43092</value><shrsOrPrnAmt><sshPrnamt>225</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>225</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CMS ENERGY CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>125896100</cusip><value>7427</value><shrsOrPrnAmt><sshPrnamt>121</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>121</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COCA COLA CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>191216100</cusip><value>1517874</value><shrsOrPrnAmt><sshPrnamt>24470</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>24470</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>194162103</cusip><value>220941</value><shrsOrPrnAmt><sshPrnamt>2940</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2940</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMCAST CORP-CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20030N101</cusip><value>111835</value><shrsOrPrnAmt><sshPrnamt>2950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2950</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20825C104</cusip><value>1190818</value><shrsOrPrnAmt><sshPrnamt>12003</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>12003</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>209115104</cusip><value>77875</value><shrsOrPrnAmt><sshPrnamt>814</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>814</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>21036P108</cusip><value>950771</value><shrsOrPrnAmt><sshPrnamt>4209</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4209</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION ENERGY CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>21037T109</cusip><value>2591</value><shrsOrPrnAmt><sshPrnamt>33</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>33</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>22160K105</cusip><value>2368579</value><shrsOrPrnAmt><sshPrnamt>4767</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4767</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CSX CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>126408103</cusip><value>7545</value><shrsOrPrnAmt><sshPrnamt>252</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>252</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CUMMINS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>231021106</cusip><value>1545076</value><shrsOrPrnAmt><sshPrnamt>6468</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6468</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CVS HEALTH CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>126650100</cusip><value>23259</value><shrsOrPrnAmt><sshPrnamt>313</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>313</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>1597177</value><shrsOrPrnAmt><sshPrnamt>6337</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6337</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DEERE &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>244199105</cusip><value>255986</value><shrsOrPrnAmt><sshPrnamt>620</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>620</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DEVON ENERGY CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25179M103</cusip><value>5061</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>254687106</cusip><value>2395811</value><shrsOrPrnAmt><sshPrnamt>23927</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>23927</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOLLAR GENERAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>256677105</cusip><value>25676</value><shrsOrPrnAmt><sshPrnamt>122</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>122</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOLLAR TREE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>256746108</cusip><value>2441786</value><shrsOrPrnAmt><sshPrnamt>17010</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>17010</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25746U109</cusip><value>433135</value><shrsOrPrnAmt><sshPrnamt>7747</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7747</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOW INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>260557103</cusip><value>50105</value><shrsOrPrnAmt><sshPrnamt>914</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>914</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26441C204</cusip><value>97049</value><shrsOrPrnAmt><sshPrnamt>1006</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1006</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26614N102</cusip><value>64808</value><shrsOrPrnAmt><sshPrnamt>903</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>903</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>277432100</cusip><value>512956</value><shrsOrPrnAmt><sshPrnamt>6082</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6082</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EBAY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278642103</cusip><value>17748</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ECOLAB INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278865100</cusip><value>411673</value><shrsOrPrnAmt><sshPrnamt>2487</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2487</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EDISON INTERNATIONAL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>281020107</cusip><value>24707</value><shrsOrPrnAmt><sshPrnamt>350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>350</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>285512109</cusip><value>1927</value><shrsOrPrnAmt><sshPrnamt>16</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>16</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EMERSON ELEC CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>291011104</cusip><value>131581</value><shrsOrPrnAmt><sshPrnamt>1510</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1510</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EOG RES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26875P101</cusip><value>21207</value><shrsOrPrnAmt><sshPrnamt>185</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>185</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ESSENTIAL UTILITIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>29670G102</cusip><value>47229</value><shrsOrPrnAmt><sshPrnamt>1082</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1082</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXELON CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30161N101</cusip><value>4189</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30231G102</cusip><value>3070590</value><shrsOrPrnAmt><sshPrnamt>28001</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>28001</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FACTSET RESEARCH SYSTEM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>303075105</cusip><value>24905</value><shrsOrPrnAmt><sshPrnamt>60</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>60</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FEDEX CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>31428X106</cusip><value>164513</value><shrsOrPrnAmt><sshPrnamt>720</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>720</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>337932107</cusip><value>32088</value><shrsOrPrnAmt><sshPrnamt>801</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>801</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FISERV INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>337738108</cusip><value>271272</value><shrsOrPrnAmt><sshPrnamt>2400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FORD MOTOR CO DEL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>345370860</cusip><value>132300</value><shrsOrPrnAmt><sshPrnamt>10500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FORTIVE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>34959J108</cusip><value>15815</value><shrsOrPrnAmt><sshPrnamt>232</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>232</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GE HEALTHCARE TECHNOLOGIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>36266G107</cusip><value>61933</value><shrsOrPrnAmt><sshPrnamt>755</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>755</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>369550108</cusip><value>2027418</value><shrsOrPrnAmt><sshPrnamt>8884</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8884</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>369604301</cusip><value>226859</value><shrsOrPrnAmt><sshPrnamt>2373</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2373</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL MLS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>370334104</cusip><value>249543</value><shrsOrPrnAmt><sshPrnamt>2920</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2920</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENUINE PARTS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>372460105</cusip><value>35135</value><shrsOrPrnAmt><sshPrnamt>210</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>210</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>375558103</cusip><value>133914</value><shrsOrPrnAmt><sshPrnamt>1614</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1614</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>38141G104</cusip><value>142947</value><shrsOrPrnAmt><sshPrnamt>437</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>437</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GRAINGER W W INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>384802104</cusip><value>51661</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GREENLANE HOLDINGS INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>395330202</cusip><value>40</value><shrsOrPrnAmt><sshPrnamt>110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>110</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HARLEY DAVIDSON INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>412822108</cusip><value>7594</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HAWAIIAN ELECTRIC INDUSTRIES I</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>419870100</cusip><value>28646</value><shrsOrPrnAmt><sshPrnamt>746</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>746</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HOME DEPOT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>437076102</cusip><value>3673064</value><shrsOrPrnAmt><sshPrnamt>12446</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>12446</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>438516106</cusip><value>2499467</value><shrsOrPrnAmt><sshPrnamt>13078</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13078</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>IDACORP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>451107106</cusip><value>25133</value><shrsOrPrnAmt><sshPrnamt>232</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>232</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>452308109</cusip><value>107118</value><shrsOrPrnAmt><sshPrnamt>440</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>440</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45687V106</cusip><value>582</value><shrsOrPrnAmt><sshPrnamt>10</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>458140100</cusip><value>731612</value><shrsOrPrnAmt><sshPrnamt>22394</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>22394</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE GROU</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45866F104</cusip><value>2253290</value><shrsOrPrnAmt><sshPrnamt>21606</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>21606</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERNATIONAL FLAVORS &amp; FRAGRA</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459506101</cusip><value>114490</value><shrsOrPrnAmt><sshPrnamt>1245</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1245</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459200101</cusip><value>234127</value><shrsOrPrnAmt><sshPrnamt>1786</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1786</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JACK HENRY &amp; ASSOC INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>426281101</cusip><value>18086</value><shrsOrPrnAmt><sshPrnamt>120</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>120</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46982L108</cusip><value>76382</value><shrsOrPrnAmt><sshPrnamt>650</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>650</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>478160104</cusip><value>3385975</value><shrsOrPrnAmt><sshPrnamt>21845</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>21845</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46625H100</cusip><value>3446960</value><shrsOrPrnAmt><sshPrnamt>26452</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>26452</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KADANT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>48282T104</cusip><value>100090</value><shrsOrPrnAmt><sshPrnamt>480</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>480</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KELLOGG CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>487836108</cusip><value>6696</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KEYCORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>493267108</cusip><value>10166</value><shrsOrPrnAmt><sshPrnamt>812</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>812</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>494368103</cusip><value>29663</value><shrsOrPrnAmt><sshPrnamt>221</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>221</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KKR &amp; CO INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>48251W104</cusip><value>87708</value><shrsOrPrnAmt><sshPrnamt>1670</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1670</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>500754106</cusip><value>8971</value><shrsOrPrnAmt><sshPrnamt>232</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>232</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LABORATORY CORP OF AMERICA HOL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>50540R409</cusip><value>25236</value><shrsOrPrnAmt><sshPrnamt>110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>110</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>532457108</cusip><value>185447</value><shrsOrPrnAmt><sshPrnamt>540</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>540</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>539830109</cusip><value>214147</value><shrsOrPrnAmt><sshPrnamt>453</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>453</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LOWES COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>548661107</cusip><value>1377593</value><shrsOrPrnAmt><sshPrnamt>6889</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6889</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MANITOWOC CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>563571405</cusip><value>3418</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>571903202</cusip><value>11623</value><shrsOrPrnAmt><sshPrnamt>70</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>70</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>574599106</cusip><value>936973</value><shrsOrPrnAmt><sshPrnamt>18845</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>18845</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>57636Q104</cusip><value>2463193</value><shrsOrPrnAmt><sshPrnamt>6778</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6778</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>579780206</cusip><value>94111</value><shrsOrPrnAmt><sshPrnamt>1131</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1131</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>580135101</cusip><value>2265121</value><shrsOrPrnAmt><sshPrnamt>8101</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8101</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MDU RESOURCES GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>552690109</cusip><value>18288</value><shrsOrPrnAmt><sshPrnamt>600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>58933Y105</cusip><value>607806</value><shrsOrPrnAmt><sshPrnamt>5713</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5713</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>META PLATFORMS INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30303M102</cusip><value>353304</value><shrsOrPrnAmt><sshPrnamt>1667</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1667</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>METLIFE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>59156R108</cusip><value>30476</value><shrsOrPrnAmt><sshPrnamt>526</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>526</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>594918104</cusip><value>8024831</value><shrsOrPrnAmt><sshPrnamt>27835</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>27835</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MODERNA INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>60770K107</cusip><value>7679</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>609207105</cusip><value>12062</value><shrsOrPrnAmt><sshPrnamt>173</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>173</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MONSTER BEVERAGE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>61174X109</cusip><value>51310</value><shrsOrPrnAmt><sshPrnamt>950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>950</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MORGAN STANLEY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>617446448</cusip><value>733569</value><shrsOrPrnAmt><sshPrnamt>8355</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8355</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NBT BANCORP INC COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>628778102</cusip><value>12304</value><shrsOrPrnAmt><sshPrnamt>365</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>365</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NETFLIX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>64110L106</cusip><value>1480036</value><shrsOrPrnAmt><sshPrnamt>4284</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4284</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>65339F101</cusip><value>599143</value><shrsOrPrnAmt><sshPrnamt>7773</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7773</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>654106103</cusip><value>466400</value><shrsOrPrnAmt><sshPrnamt>3803</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3803</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>655844108</cusip><value>59360</value><shrsOrPrnAmt><sshPrnamt>280</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>280</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NORTHROP GRUMMAN CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>666807102</cusip><value>37861</value><shrsOrPrnAmt><sshPrnamt>82</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>82</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NOVAVAX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>670002401</cusip><value>693</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NUCOR CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>670346105</cusip><value>5406</value><shrsOrPrnAmt><sshPrnamt>35</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>35</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NVIDIA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>67066G104</cusip><value>2910752</value><shrsOrPrnAmt><sshPrnamt>10479</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10479</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORACLE CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68389X105</cusip><value>3746999</value><shrsOrPrnAmt><sshPrnamt>40325</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>40325</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68902V107</cusip><value>5233</value><shrsOrPrnAmt><sshPrnamt>62</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>62</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PACKAGING CORP OF AMERICA</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>695156109</cusip><value>11801</value><shrsOrPrnAmt><sshPrnamt>85</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>85</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PARKER HANNIFIN CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>701094104</cusip><value>2689</value><shrsOrPrnAmt><sshPrnamt>8</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYCHEX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>704326107</cusip><value>2481332</value><shrsOrPrnAmt><sshPrnamt>21654</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>21654</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>70450Y103</cusip><value>962464</value><shrsOrPrnAmt><sshPrnamt>12674</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>12674</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PENN ENTERTAINMENT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>707569109</cusip><value>45528</value><shrsOrPrnAmt><sshPrnamt>1535</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1535</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>713448108</cusip><value>1527309</value><shrsOrPrnAmt><sshPrnamt>8378</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8378</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>717081103</cusip><value>2084472</value><shrsOrPrnAmt><sshPrnamt>51090</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>51090</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>718172109</cusip><value>491988</value><shrsOrPrnAmt><sshPrnamt>5059</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5059</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>718546104</cusip><value>14497</value><shrsOrPrnAmt><sshPrnamt>143</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>143</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PLUG POWER INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>72919P202</cusip><value>4688</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>742718109</cusip><value>2475837</value><shrsOrPrnAmt><sshPrnamt>16651</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>16651</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>744320102</cusip><value>28959</value><shrsOrPrnAmt><sshPrnamt>350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>350</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUALCOMM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>747525103</cusip><value>2016019</value><shrsOrPrnAmt><sshPrnamt>15802</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>15802</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>75513E101</cusip><value>190670</value><shrsOrPrnAmt><sshPrnamt>1947</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1947</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROKU INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>77543R102</cusip><value>6582</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>776696106</cusip><value>46272</value><shrsOrPrnAmt><sshPrnamt>105</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>105</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROSS STORES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>778296103</cusip><value>26426</value><shrsOrPrnAmt><sshPrnamt>249</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>249</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>78409V104</cusip><value>37925</value><shrsOrPrnAmt><sshPrnamt>110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>110</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>79466L302</cusip><value>2223551</value><shrsOrPrnAmt><sshPrnamt>11130</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>11130</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SERVICENOW INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>81762P102</cusip><value>2788</value><shrsOrPrnAmt><sshPrnamt>6</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>824348106</cusip><value>133513</value><shrsOrPrnAmt><sshPrnamt>594</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>594</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SIMON PROPERTY GROUP INC REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>828806109</cusip><value>5599</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SIRIUS XM HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>82968B103</cusip><value>3970</value><shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SMITH A O CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>831865209</cusip><value>26969</value><shrsOrPrnAmt><sshPrnamt>390</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>390</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>842587107</cusip><value>27136</value><shrsOrPrnAmt><sshPrnamt>390</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>390</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHWEST AIRLINES CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>844741108</cusip><value>16270</value><shrsOrPrnAmt><sshPrnamt>500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STARBUCKS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>855244109</cusip><value>1853931</value><shrsOrPrnAmt><sshPrnamt>17804</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>17804</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>2817874</value><shrsOrPrnAmt><sshPrnamt>9871</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9871</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>871829107</cusip><value>953945</value><shrsOrPrnAmt><sshPrnamt>12352</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>12352</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>74144T108</cusip><value>183463</value><shrsOrPrnAmt><sshPrnamt>1625</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1625</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TARGET CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>87612E106</cusip><value>24182</value><shrsOrPrnAmt><sshPrnamt>146</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>146</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88160R101</cusip><value>127588</value><shrsOrPrnAmt><sshPrnamt>615</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>615</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>882508104</cusip><value>1371266</value><shrsOrPrnAmt><sshPrnamt>7372</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7372</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>883556102</cusip><value>2905481</value><shrsOrPrnAmt><sshPrnamt>5041</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5041</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>2156546</value><shrsOrPrnAmt><sshPrnamt>27521</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>27521</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TOMPKINS FINANCIAL CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>890110109</cusip><value>15890</value><shrsOrPrnAmt><sshPrnamt>240</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>240</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>89417E109</cusip><value>1618282</value><shrsOrPrnAmt><sshPrnamt>9441</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9441</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRUIST FINANCIAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>89832Q109</cusip><value>52003</value><shrsOrPrnAmt><sshPrnamt>1525</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1525</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRUSTCO BANK CORP NY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>898349204</cusip><value>1373</value><shrsOrPrnAmt><sshPrnamt>43</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>43</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>907818108</cusip><value>2406868</value><shrsOrPrnAmt><sshPrnamt>11959</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>11959</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>911312106</cusip><value>164892</value><shrsOrPrnAmt><sshPrnamt>850</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>850</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>91324P102</cusip><value>2670134</value><shrsOrPrnAmt><sshPrnamt>5650</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5650</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>US BANCORP NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>902973304</cusip><value>767396</value><shrsOrPrnAmt><sshPrnamt>21287</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>21287</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92343V104</cusip><value>961127</value><shrsOrPrnAmt><sshPrnamt>24714</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>24714</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92532F100</cusip><value>2521</value><shrsOrPrnAmt><sshPrnamt>8</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VIATRIS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92556V106</cusip><value>231</value><shrsOrPrnAmt><sshPrnamt>24</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>24</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VIRGIN GALACTIC HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92766K106</cusip><value>4281</value><shrsOrPrnAmt><sshPrnamt>1057</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1057</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VISA INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92826C839</cusip><value>4449228</value><shrsOrPrnAmt><sshPrnamt>19734</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>19734</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VULCAN MATERIALS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>929160109</cusip><value>151831</value><shrsOrPrnAmt><sshPrnamt>885</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>885</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WABTEC CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>929740108</cusip><value>15159</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>931142103</cusip><value>1418322</value><shrsOrPrnAmt><sshPrnamt>9619</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9619</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WARNER BROS DISCOVERY INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>934423104</cusip><value>166</value><shrsOrPrnAmt><sshPrnamt>11</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>11</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>94106L109</cusip><value>76527</value><shrsOrPrnAmt><sshPrnamt>469</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>469</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92939U106</cusip><value>28437</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>949746101</cusip><value>189704</value><shrsOrPrnAmt><sshPrnamt>5075</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5075</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WENDY'S CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>95058W100</cusip><value>14593</value><shrsOrPrnAmt><sshPrnamt>670</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>670</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WILLIAMS COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>969457100</cusip><value>1368991</value><shrsOrPrnAmt><sshPrnamt>45847</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>45847</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>XYLEM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>98419M100</cusip><value>7643</value><shrsOrPrnAmt><sshPrnamt>73</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>73</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>YUM CHINA HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>98850P109</cusip><value>31695</value><shrsOrPrnAmt><sshPrnamt>500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>YUM! BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>988498101</cusip><value>1546921</value><shrsOrPrnAmt><sshPrnamt>11712</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>11712</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>98956P102</cusip><value>83334</value><shrsOrPrnAmt><sshPrnamt>645</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>645</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>3M CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88579Y101</cusip><value>224935</value><shrsOrPrnAmt><sshPrnamt>2140</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2140</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BIONTECH SE SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09075V102</cusip><value>6229</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>055622104</cusip><value>80509</value><shrsOrPrnAmt><sshPrnamt>2122</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2122</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RIO TINTO PLC SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>767204100</cusip><value>41160</value><shrsOrPrnAmt><sshPrnamt>600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN TOWER CORP REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>03027X100</cusip><value>45363</value><shrsOrPrnAmt><sshPrnamt>222</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>222</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LXP INDUSTRIAL TRUST REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>529043101</cusip><value>15465</value><shrsOrPrnAmt><sshPrnamt>1500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ARROW FINANCIAL CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>042744102</cusip><value>38192784</value><shrsOrPrnAmt><sshPrnamt>1533231</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1533231</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ACCENTURE PLC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G1151C101</cusip><value>60592</value><shrsOrPrnAmt><sshPrnamt>212</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>212</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BARRICK GOLD CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>067901108</cusip><value>16713</value><shrsOrPrnAmt><sshPrnamt>900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>900</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHECK POINT SOFTWARE TECH LTD</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>M22465104</cusip><value>20800</value><shrsOrPrnAmt><sshPrnamt>160</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>160</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EATON CORP PLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G29183103</cusip><value>26386</value><shrsOrPrnAmt><sshPrnamt>154</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>154</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENBRIDGE INCORPORATED</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>29250N105</cusip><value>68670</value><shrsOrPrnAmt><sshPrnamt>1800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G39387108</cusip><value>55940</value><shrsOrPrnAmt><sshPrnamt>775</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>775</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>N53745100</cusip><value>994952</value><shrsOrPrnAmt><sshPrnamt>10597</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10597</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MANULIFE FINANCIAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>56501R106</cusip><value>4333</value><shrsOrPrnAmt><sshPrnamt>236</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>236</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MEDTRONIC PLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G5960L103</cusip><value>63206</value><shrsOrPrnAmt><sshPrnamt>784</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>784</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MIND MEDICINE MINDMED INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>60255C885</cusip><value>209</value><shrsOrPrnAmt><sshPrnamt>66</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>66</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RESTAURANT BRANDS INTERNATIONA</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>76131D103</cusip><value>14502</value><shrsOrPrnAmt><sshPrnamt>216</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>216</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROYAL BANK OF CANADA</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>780087102</cusip><value>9558</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>806857108</cusip><value>23470</value><shrsOrPrnAmt><sshPrnamt>478</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>478</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHOPIFY INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>82509L107</cusip><value>17258</value><shrsOrPrnAmt><sshPrnamt>360</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>360</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THOMSON REUTERS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>884903709</cusip><value>11711</value><shrsOrPrnAmt><sshPrnamt>90</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>90</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TORONTO DOMINION BANK</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>891160509</cusip><value>94882</value><shrsOrPrnAmt><sshPrnamt>1584</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1584</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMM. SERV. SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y852</cusip><value>12753</value><shrsOrPrnAmt><sshPrnamt>220</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>220</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS DISC SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y407</cusip><value>268424</value><shrsOrPrnAmt><sshPrnamt>1795</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1795</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS STAPLES SELECT SECT SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y308</cusip><value>97123</value><shrsOrPrnAmt><sshPrnamt>1300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y506</cusip><value>162927</value><shrsOrPrnAmt><sshPrnamt>1967</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1967</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FINANCIAL SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y605</cusip><value>464793</value><shrsOrPrnAmt><sshPrnamt>14457</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>14457</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GABELLI DIVIDEND &amp; INCOME TRUS</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>36242H104</cusip><value>30873</value><shrsOrPrnAmt><sshPrnamt>1485</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1485</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y209</cusip><value>455958</value><shrsOrPrnAmt><sshPrnamt>3522</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3522</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y704</cusip><value>277739</value><shrsOrPrnAmt><sshPrnamt>2745</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2745</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INVESCO KBW HIGH DIVIDEND YIEL</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46138E610</cusip><value>26255</value><shrsOrPrnAmt><sshPrnamt>1780</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1780</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INVESCO QQQ TRUST SERIES 1</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46090E103</cusip><value>17057430</value><shrsOrPrnAmt><sshPrnamt>53150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>53150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE MSCI DEV MKTS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435G326</cusip><value>27817409</value><shrsOrPrnAmt><sshPrnamt>460020</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>460020</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE MSCI EAFE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46432F842</cusip><value>39642</value><shrsOrPrnAmt><sshPrnamt>593</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>593</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287507</cusip><value>42476167</value><shrsOrPrnAmt><sshPrnamt>169796</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>169796</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287804</cusip><value>38490565</value><shrsOrPrnAmt><sshPrnamt>398041</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>398041</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287465</cusip><value>3862</value><shrsOrPrnAmt><sshPrnamt>54</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>54</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287499</cusip><value>213116</value><shrsOrPrnAmt><sshPrnamt>3048</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3048</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES SILVER TRUST</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46428Q109</cusip><value>83724</value><shrsOrPrnAmt><sshPrnamt>3785</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3785</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES US REGIONAL BANKS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288778</cusip><value>26306</value><shrsOrPrnAmt><sshPrnamt>735</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>735</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MATERIALS SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y100</cusip><value>1590777</value><shrsOrPrnAmt><sshPrnamt>19722</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>19722</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REAL ESTATE SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y860</cusip><value>4972</value><shrsOrPrnAmt><sshPrnamt>133</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>133</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78463V107</cusip><value>256325</value><shrsOrPrnAmt><sshPrnamt>1399</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1399</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 GROWTH</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A409</cusip><value>380711</value><shrsOrPrnAmt><sshPrnamt>6877</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6877</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 VALUE E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A508</cusip><value>381791</value><shrsOrPrnAmt><sshPrnamt>9376</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9376</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P BIOTECH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A870</cusip><value>109742</value><shrsOrPrnAmt><sshPrnamt>1440</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1440</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P INSURANCE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A789</cusip><value>49594</value><shrsOrPrnAmt><sshPrnamt>1260</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1260</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78467Y107</cusip><value>11460</value><shrsOrPrnAmt><sshPrnamt>25</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>25</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78462F103</cusip><value>5548872</value><shrsOrPrnAmt><sshPrnamt>13554</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13554</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y803</cusip><value>665199</value><shrsOrPrnAmt><sshPrnamt>4405</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4405</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y886</cusip><value>733286</value><shrsOrPrnAmt><sshPrnamt>10833</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10833</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANECK BIOTECH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92189F726</cusip><value>40523</value><shrsOrPrnAmt><sshPrnamt>250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>250</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANECK GOLD MINERS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92189F106</cusip><value>40826</value><shrsOrPrnAmt><sshPrnamt>1262</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1262</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANECK SOCIAL SENTIMENT ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92189H839</cusip><value>26103</value><shrsOrPrnAmt><sshPrnamt>1750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1750</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922042858</cusip><value>5010</value><shrsOrPrnAmt><sshPrnamt>124</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>124</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908736</cusip><value>138689</value><shrsOrPrnAmt><sshPrnamt>556</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>556</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92204A504</cusip><value>12400</value><shrsOrPrnAmt><sshPrnamt>52</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>52</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INFO TECH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92204A702</cusip><value>40089</value><shrsOrPrnAmt><sshPrnamt>104</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>104</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908629</cusip><value>27084026</value><shrsOrPrnAmt><sshPrnamt>128409</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>128409</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908553</cusip><value>177290</value><shrsOrPrnAmt><sshPrnamt>2135</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2135</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908363</cusip><value>81577104</value><shrsOrPrnAmt><sshPrnamt>216920</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>216920</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>10355473</value><shrsOrPrnAmt><sshPrnamt>54629</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>54629</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR TR E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287457</cusip><value>121925</value><shrsOrPrnAmt><sshPrnamt>1484</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1484</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE U.S. AGGREGATE</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287226</cusip><value>4113239</value><shrsOrPrnAmt><sshPrnamt>41281</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>41281</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES ESG AWARE 1-5 YEAR USD</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435G243</cusip><value>461471</value><shrsOrPrnAmt><sshPrnamt>19180</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>19180</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2023 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VAX8</cusip><value>7277013</value><shrsOrPrnAmt><sshPrnamt>288885</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>288885</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2024 MUNI E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U697</cusip><value>258752</value><shrsOrPrnAmt><sshPrnamt>10002</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10002</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2024 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBG4</cusip><value>7128420</value><shrsOrPrnAmt><sshPrnamt>289891</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>289891</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2025 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBD1</cusip><value>7068982</value><shrsOrPrnAmt><sshPrnamt>288177</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>288177</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2026 MUNI E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U259</cusip><value>261912</value><shrsOrPrnAmt><sshPrnamt>10259</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10259</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2026 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435GAA0</cusip><value>7239999</value><shrsOrPrnAmt><sshPrnamt>305099</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>305099</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2027 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435UAA9</cusip><value>6901488</value><shrsOrPrnAmt><sshPrnamt>289735</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>289735</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2028 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U515</cusip><value>6746719</value><shrsOrPrnAmt><sshPrnamt>270518</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>270518</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2029 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E205</cusip><value>6750058</value><shrsOrPrnAmt><sshPrnamt>295020</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>295020</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2030 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E726</cusip><value>6571710</value><shrsOrPrnAmt><sshPrnamt>305235</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>305235</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2031 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E486</cusip><value>6412466</value><shrsOrPrnAmt><sshPrnamt>310680</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>310680</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2032 TC ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E312</cusip><value>4286017</value><shrsOrPrnAmt><sshPrnamt>170962</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>170962</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS 2023 H/Y INC</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U150</cusip><value>623705</value><shrsOrPrnAmt><sshPrnamt>26417</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>26417</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS 2024 H/Y INC</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U184</cusip><value>7967175</value><shrsOrPrnAmt><sshPrnamt>344452</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>344452</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES 1-5Y INV GRADE CORP ET</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288646</cusip><value>3973000</value><shrsOrPrnAmt><sshPrnamt>78611</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>78611</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SHORT TERM CORP BOND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92206C409</cusip><value>10848215</value><shrsOrPrnAmt><sshPrnamt>142309</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>142309</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>921937835</cusip><value>1665974</value><shrsOrPrnAmt><sshPrnamt>22565</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>22565</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2023 MUNI E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435G318</cusip><value>258267</value><shrsOrPrnAmt><sshPrnamt>10156</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10156</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2025 MUNI E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U432</cusip><value>260326</value><shrsOrPrnAmt><sshPrnamt>9783</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9783</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2027 MUNI E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U283</cusip><value>262925</value><shrsOrPrnAmt><sshPrnamt>10327</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10327</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES NATIONAL MUNI BOND ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288414</cusip><value>1242889</value><shrsOrPrnAmt><sshPrnamt>11536</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>11536</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES NEW YORK MUNI BOND ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288323</cusip><value>4451390</value><shrsOrPrnAmt><sshPrnamt>83188</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>83188</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBOTT LABS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>002824100</cusip><value>121309</value><shrsOrPrnAmt><sshPrnamt>1198</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1198</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBVIE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00287Y109</cusip><value>285432</value><shrsOrPrnAmt><sshPrnamt>1791</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1791</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00724F101</cusip><value>94416</value><shrsOrPrnAmt><sshPrnamt>245</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>245</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K305</cusip><value>620720</value><shrsOrPrnAmt><sshPrnamt>5984</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5984</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL C</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K107</cusip><value>145080</value><shrsOrPrnAmt><sshPrnamt>1395</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1395</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02209S103</cusip><value>6693</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>150</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMAZON.COM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>023135106</cusip><value>262357</value><shrsOrPrnAmt><sshPrnamt>2540</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2540</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>025816109</cusip><value>214435</value><shrsOrPrnAmt><sshPrnamt>1300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1300</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN WATER WORKS CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>030420103</cusip><value>41750</value><shrsOrPrnAmt><sshPrnamt>285</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>285</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>60438</value><shrsOrPrnAmt><sshPrnamt>250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>250</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>037833100</cusip><value>1488717</value><shrsOrPrnAmt><sshPrnamt>9028</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>9028</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AT&amp;T INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00206R102</cusip><value>56441</value><shrsOrPrnAmt><sshPrnamt>2932</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2932</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>053015103</cusip><value>695719</value><shrsOrPrnAmt><sshPrnamt>3125</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3125</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>060505104</cusip><value>148777</value><shrsOrPrnAmt><sshPrnamt>5202</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5202</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF NEW YORK MELLON CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>064058100</cusip><value>64752</value><shrsOrPrnAmt><sshPrnamt>1425</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1425</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BAXTER INTL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>071813109</cusip><value>77064</value><shrsOrPrnAmt><sshPrnamt>1900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1900</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BECTON DICKINSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>075887109</cusip><value>35893</value><shrsOrPrnAmt><sshPrnamt>145</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>145</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>084670702</cusip><value>360335</value><shrsOrPrnAmt><sshPrnamt>1167</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1167</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09247X101</cusip><value>163934</value><shrsOrPrnAmt><sshPrnamt>245</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>245</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLOCK INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>852234103</cusip><value>12700</value><shrsOrPrnAmt><sshPrnamt>185</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>185</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>110122108</cusip><value>169324</value><shrsOrPrnAmt><sshPrnamt>2443</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2443</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14149Y108</cusip><value>15100</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>200</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14448C104</cusip><value>218228</value><shrsOrPrnAmt><sshPrnamt>4770</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4770</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>149123101</cusip><value>257903</value><shrsOrPrnAmt><sshPrnamt>1127</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1127</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>166764100</cusip><value>417363</value><shrsOrPrnAmt><sshPrnamt>2558</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2558</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>17275R102</cusip><value>78674</value><shrsOrPrnAmt><sshPrnamt>1505</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1505</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CLOROX COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>189054109</cusip><value>15824</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>100</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COCA COLA CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>191216100</cusip><value>121703</value><shrsOrPrnAmt><sshPrnamt>1962</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1962</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>194162103</cusip><value>428355</value><shrsOrPrnAmt><sshPrnamt>5700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5700</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMCAST CORP-CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20030N101</cusip><value>11373</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>300</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20825C104</cusip><value>133636</value><shrsOrPrnAmt><sshPrnamt>1347</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1347</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>21036P108</cusip><value>163318</value><shrsOrPrnAmt><sshPrnamt>723</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>723</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>22160K105</cusip><value>43228</value><shrsOrPrnAmt><sshPrnamt>87</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>87</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CUMMINS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>231021106</cusip><value>44193</value><shrsOrPrnAmt><sshPrnamt>185</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>185</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CVS HEALTH CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>126650100</cusip><value>28981</value><shrsOrPrnAmt><sshPrnamt>390</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>390</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>53937</value><shrsOrPrnAmt><sshPrnamt>214</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>214</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>254687106</cusip><value>178532</value><shrsOrPrnAmt><sshPrnamt>1783</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1783</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOLLAR TREE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>256746108</cusip><value>25121</value><shrsOrPrnAmt><sshPrnamt>175</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>175</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25746U109</cusip><value>43330</value><shrsOrPrnAmt><sshPrnamt>775</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>775</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOW INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>260557103</cusip><value>1809</value><shrsOrPrnAmt><sshPrnamt>33</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>33</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DTE ENERGY CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>233331107</cusip><value>31219</value><shrsOrPrnAmt><sshPrnamt>285</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>285</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26441C204</cusip><value>61162</value><shrsOrPrnAmt><sshPrnamt>634</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>634</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ECOLAB INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278865100</cusip><value>165530</value><shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1000</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EMBECTA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>29082K105</cusip><value>815</value><shrsOrPrnAmt><sshPrnamt>29</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>29</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EMERSON ELEC CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>291011104</cusip><value>274665</value><shrsOrPrnAmt><sshPrnamt>3152</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3152</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EOG RES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26875P101</cusip><value>4012</value><shrsOrPrnAmt><sshPrnamt>35</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>35</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30231G102</cusip><value>977729</value><shrsOrPrnAmt><sshPrnamt>8916</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>8916</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>369550108</cusip><value>45642</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>200</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>375558103</cusip><value>9127</value><shrsOrPrnAmt><sshPrnamt>110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>110</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>38141G104</cusip><value>8178</value><shrsOrPrnAmt><sshPrnamt>25</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>25</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HOME DEPOT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>437076102</cusip><value>514689</value><shrsOrPrnAmt><sshPrnamt>1744</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1744</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>438516106</cusip><value>140473</value><shrsOrPrnAmt><sshPrnamt>735</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>735</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>458140100</cusip><value>97095</value><shrsOrPrnAmt><sshPrnamt>2972</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2972</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE GROU</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45866F104</cusip><value>96260</value><shrsOrPrnAmt><sshPrnamt>923</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>923</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459200101</cusip><value>526982</value><shrsOrPrnAmt><sshPrnamt>4020</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4020</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTUIT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>461202103</cusip><value>361122</value><shrsOrPrnAmt><sshPrnamt>810</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>810</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46982L108</cusip><value>72269</value><shrsOrPrnAmt><sshPrnamt>615</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>615</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>478160104</cusip><value>979135</value><shrsOrPrnAmt><sshPrnamt>6317</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6317</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46625H100</cusip><value>927938</value><shrsOrPrnAmt><sshPrnamt>7121</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>7121</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KELLOGG CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>487836108</cusip><value>60264</value><shrsOrPrnAmt><sshPrnamt>900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>900</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>500754106</cusip><value>1276</value><shrsOrPrnAmt><sshPrnamt>33</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>33</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>532457108</cusip><value>583814</value><shrsOrPrnAmt><sshPrnamt>1700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1700</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LOWES COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>548661107</cusip><value>171974</value><shrsOrPrnAmt><sshPrnamt>860</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>860</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>571903202</cusip><value>6974</value><shrsOrPrnAmt><sshPrnamt>42</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>42</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>574599106</cusip><value>23368</value><shrsOrPrnAmt><sshPrnamt>470</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>470</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>57636Q104</cusip><value>32707</value><shrsOrPrnAmt><sshPrnamt>90</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>90</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>580135101</cusip><value>138407</value><shrsOrPrnAmt><sshPrnamt>495</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>495</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>58933Y105</cusip><value>346193</value><shrsOrPrnAmt><sshPrnamt>3254</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3254</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>META PLATFORMS INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30303M102</cusip><value>34970</value><shrsOrPrnAmt><sshPrnamt>165</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>165</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>METLIFE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>59156R108</cusip><value>13616</value><shrsOrPrnAmt><sshPrnamt>235</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>235</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>594918104</cusip><value>1914024</value><shrsOrPrnAmt><sshPrnamt>6639</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6639</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>609207105</cusip><value>14432</value><shrsOrPrnAmt><sshPrnamt>207</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>207</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MORGAN STANLEY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>617446448</cusip><value>175600</value><shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2000</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NETFLIX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>64110L106</cusip><value>81188</value><shrsOrPrnAmt><sshPrnamt>235</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>235</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>65339F101</cusip><value>186225</value><shrsOrPrnAmt><sshPrnamt>2416</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2416</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>654106103</cusip><value>361788</value><shrsOrPrnAmt><sshPrnamt>2950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2950</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>655844108</cusip><value>135892</value><shrsOrPrnAmt><sshPrnamt>641</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>641</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NVIDIA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>67066G104</cusip><value>434155</value><shrsOrPrnAmt><sshPrnamt>1563</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1563</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>674599105</cusip><value>35273</value><shrsOrPrnAmt><sshPrnamt>565</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>565</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORACLE CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68389X105</cusip><value>571644</value><shrsOrPrnAmt><sshPrnamt>6152</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6152</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORGANON &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68622V106</cusip><value>470</value><shrsOrPrnAmt><sshPrnamt>20</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>20</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68902V107</cusip><value>178000</value><shrsOrPrnAmt><sshPrnamt>2109</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2109</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PARAMOUNT GLOBAL CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92556H206</cusip><value>17313</value><shrsOrPrnAmt><sshPrnamt>776</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>776</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYCHEX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>704326107</cusip><value>139227</value><shrsOrPrnAmt><sshPrnamt>1215</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1215</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>70450Y103</cusip><value>74801</value><shrsOrPrnAmt><sshPrnamt>985</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>985</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>713448108</cusip><value>845507</value><shrsOrPrnAmt><sshPrnamt>4638</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4638</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>717081103</cusip><value>465324</value><shrsOrPrnAmt><sshPrnamt>11405</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>11405</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>718172109</cusip><value>9725</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>100</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>718546104</cusip><value>3244</value><shrsOrPrnAmt><sshPrnamt>32</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>32</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>742718109</cusip><value>754304</value><shrsOrPrnAmt><sshPrnamt>5073</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5073</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUALCOMM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>747525103</cusip><value>28068</value><shrsOrPrnAmt><sshPrnamt>220</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>220</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>74834L100</cusip><value>70740</value><shrsOrPrnAmt><sshPrnamt>500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>500</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>75513E101</cusip><value>555165</value><shrsOrPrnAmt><sshPrnamt>5669</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5669</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RUMBLE INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>78137L105</cusip><value>10000</value><shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1000</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>79466L302</cusip><value>164219</value><shrsOrPrnAmt><sshPrnamt>822</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>822</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>842587107</cusip><value>41748</value><shrsOrPrnAmt><sshPrnamt>600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>600</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STARBUCKS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>855244109</cusip><value>216174</value><shrsOrPrnAmt><sshPrnamt>2076</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2076</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>368542</value><shrsOrPrnAmt><sshPrnamt>1291</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1291</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>871829107</cusip><value>23169</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>300</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>74144T108</cusip><value>193059</value><shrsOrPrnAmt><sshPrnamt>1710</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1710</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88160R101</cusip><value>45226</value><shrsOrPrnAmt><sshPrnamt>218</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>218</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THE CIGNA GROUP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>125523100</cusip><value>11243</value><shrsOrPrnAmt><sshPrnamt>44</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>44</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>883556102</cusip><value>213257</value><shrsOrPrnAmt><sshPrnamt>370</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>370</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>172000</value><shrsOrPrnAmt><sshPrnamt>2195</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2195</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>89417E109</cusip><value>20569</value><shrsOrPrnAmt><sshPrnamt>120</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>120</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRUIST FINANCIAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>89832Q109</cusip><value>3410</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>100</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>907818108</cusip><value>99624</value><shrsOrPrnAmt><sshPrnamt>495</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>495</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>911312106</cusip><value>132301</value><shrsOrPrnAmt><sshPrnamt>682</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>682</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>91324P102</cusip><value>148866</value><shrsOrPrnAmt><sshPrnamt>315</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>315</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>US BANCORP NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>902973304</cusip><value>109051</value><shrsOrPrnAmt><sshPrnamt>3025</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3025</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92343V104</cusip><value>153071</value><shrsOrPrnAmt><sshPrnamt>3936</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3936</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92532F100</cusip><value>94521</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>300</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VIATRIS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92556V106</cusip><value>10447</value><shrsOrPrnAmt><sshPrnamt>1086</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1086</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VISA INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92826C839</cusip><value>362314</value><shrsOrPrnAmt><sshPrnamt>1607</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1607</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>931142103</cusip><value>76674</value><shrsOrPrnAmt><sshPrnamt>520</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>520</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WARNER BROS DISCOVERY INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>934423104</cusip><value>5315</value><shrsOrPrnAmt><sshPrnamt>352</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>352</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>949746101</cusip><value>57005</value><shrsOrPrnAmt><sshPrnamt>1525</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1525</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WILLIAMS COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>969457100</cusip><value>53897</value><shrsOrPrnAmt><sshPrnamt>1805</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1805</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>YUM! BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>988498101</cusip><value>17831</value><shrsOrPrnAmt><sshPrnamt>135</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>135</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>98956P102</cusip><value>19380</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>150</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>3M CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88579Y101</cusip><value>224410</value><shrsOrPrnAmt><sshPrnamt>2135</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2135</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN TOWER CORP REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>03027X100</cusip><value>34738</value><shrsOrPrnAmt><sshPrnamt>170</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>170</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ARROW FINANCIAL CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>042744102</cusip><value>540721</value><shrsOrPrnAmt><sshPrnamt>21707</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>21707</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EATON CORP PLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G29183103</cusip><value>85670</value><shrsOrPrnAmt><sshPrnamt>500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>500</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LINDE PLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G54950103</cusip><value>97746</value><shrsOrPrnAmt><sshPrnamt>275</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>275</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>N53745100</cusip><value>12206</value><shrsOrPrnAmt><sshPrnamt>130</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>130</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MEDTRONIC PLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G5960L103</cusip><value>48372</value><shrsOrPrnAmt><sshPrnamt>600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>600</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>806857108</cusip><value>11048</value><shrsOrPrnAmt><sshPrnamt>225</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>225</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TORONTO DOMINION BANK</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>891160509</cusip><value>124832</value><shrsOrPrnAmt><sshPrnamt>2084</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2084</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMM. SERV. SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y852</cusip><value>417790</value><shrsOrPrnAmt><sshPrnamt>7207</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>7207</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS DISC SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y407</cusip><value>574234</value><shrsOrPrnAmt><sshPrnamt>3840</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3840</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS STAPLES SELECT SECT SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y308</cusip><value>374372</value><shrsOrPrnAmt><sshPrnamt>5011</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5011</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y506</cusip><value>240952</value><shrsOrPrnAmt><sshPrnamt>2909</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2909</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FINANCIAL SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y605</cusip><value>577607</value><shrsOrPrnAmt><sshPrnamt>17966</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>17966</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y209</cusip><value>776760</value><shrsOrPrnAmt><sshPrnamt>6000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6000</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y704</cusip><value>508126</value><shrsOrPrnAmt><sshPrnamt>5022</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5022</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INVESCO QQQ TRUST SERIES 1</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46090E103</cusip><value>77023</value><shrsOrPrnAmt><sshPrnamt>240</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>240</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE MSCI DEV MKTS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435G326</cusip><value>856497</value><shrsOrPrnAmt><sshPrnamt>14164</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>14164</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287507</cusip><value>247658</value><shrsOrPrnAmt><sshPrnamt>990</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>990</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287804</cusip><value>700205</value><shrsOrPrnAmt><sshPrnamt>7241</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>7241</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES MSCI ALL COUNTRY ASIA</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288182</cusip><value>3122</value><shrsOrPrnAmt><sshPrnamt>46</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>46</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES MSCI EMERGING MKT ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287234</cusip><value>15626</value><shrsOrPrnAmt><sshPrnamt>396</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>396</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287499</cusip><value>23213</value><shrsOrPrnAmt><sshPrnamt>332</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>332</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MATERIALS SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y100</cusip><value>324415</value><shrsOrPrnAmt><sshPrnamt>4022</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4022</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 VALUE E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A508</cusip><value>21378</value><shrsOrPrnAmt><sshPrnamt>525</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>525</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P BIOTECH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A870</cusip><value>7621</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>100</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P TELECOM ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A540</cusip><value>5674</value><shrsOrPrnAmt><sshPrnamt>70</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>70</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78462F103</cusip><value>139193</value><shrsOrPrnAmt><sshPrnamt>340</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>340</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y803</cusip><value>1659147</value><shrsOrPrnAmt><sshPrnamt>10987</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10987</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y886</cusip><value>184591</value><shrsOrPrnAmt><sshPrnamt>2727</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2727</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908629</cusip><value>3237411</value><shrsOrPrnAmt><sshPrnamt>15349</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>15349</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908553</cusip><value>195144</value><shrsOrPrnAmt><sshPrnamt>2350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2350</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908363</cusip><value>983423</value><shrsOrPrnAmt><sshPrnamt>2615</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2615</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>1311187</value><shrsOrPrnAmt><sshPrnamt>6917</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6917</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR TR E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287457</cusip><value>123240</value><shrsOrPrnAmt><sshPrnamt>1500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1500</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE U.S. AGGREGATE</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287226</cusip><value>473290</value><shrsOrPrnAmt><sshPrnamt>4750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4750</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2023 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VAX8</cusip><value>116327</value><shrsOrPrnAmt><sshPrnamt>4618</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4618</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2024 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBG4</cusip><value>230777</value><shrsOrPrnAmt><sshPrnamt>9385</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>9385</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2025 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBD1</cusip><value>183313</value><shrsOrPrnAmt><sshPrnamt>7473</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>7473</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2026 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435GAA0</cusip><value>183457</value><shrsOrPrnAmt><sshPrnamt>7731</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>7731</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2027 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435UAA9</cusip><value>226933</value><shrsOrPrnAmt><sshPrnamt>9527</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>9527</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2028 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U515</cusip><value>225956</value><shrsOrPrnAmt><sshPrnamt>9060</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>9060</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2029 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E205</cusip><value>188623</value><shrsOrPrnAmt><sshPrnamt>8244</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>8244</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2030 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E726</cusip><value>105346</value><shrsOrPrnAmt><sshPrnamt>4893</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4893</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2031 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E486</cusip><value>145162</value><shrsOrPrnAmt><sshPrnamt>7033</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>7033</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2032 TC ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E312</cusip><value>6092</value><shrsOrPrnAmt><sshPrnamt>243</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>243</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS 2024 H/Y INC</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U184</cusip><value>120692</value><shrsOrPrnAmt><sshPrnamt>5218</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5218</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES 1-5Y INV GRADE CORP ET</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288646</cusip><value>139339</value><shrsOrPrnAmt><sshPrnamt>2757</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2757</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SHORT TERM CORP BOND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92206C409</cusip><value>497172</value><shrsOrPrnAmt><sshPrnamt>6522</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6522</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES NATIONAL MUNI BOND ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288414</cusip><value>45790</value><shrsOrPrnAmt><sshPrnamt>425</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>425</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBOTT LABS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>002824100</cusip><value>2025200</value><shrsOrPrnAmt><sshPrnamt>20000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>20000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00507V109</cusip><value>1497825</value><shrsOrPrnAmt><sshPrnamt>17500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>17500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00724F101</cusip><value>3853700</value><shrsOrPrnAmt><sshPrnamt>10000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>10000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>009158106</cusip><value>775467</value><shrsOrPrnAmt><sshPrnamt>2700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>2700</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K305</cusip><value>3298614</value><shrsOrPrnAmt><sshPrnamt>31800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>31800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMAZON.COM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>023135106</cusip><value>3418899</value><shrsOrPrnAmt><sshPrnamt>33100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>33100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>2465850</value><shrsOrPrnAmt><sshPrnamt>10200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>10200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMPHENOL CORP CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032095101</cusip><value>2860200</value><shrsOrPrnAmt><sshPrnamt>35000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>35000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>037833100</cusip><value>9481750</value><shrsOrPrnAmt><sshPrnamt>57500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>57500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AT&amp;T INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00206R102</cusip><value>500500</value><shrsOrPrnAmt><sshPrnamt>26000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>26000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>060505104</cusip><value>1987700</value><shrsOrPrnAmt><sshPrnamt>69500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>69500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>084670702</cusip><value>2948754</value><shrsOrPrnAmt><sshPrnamt>9550</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>9550</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09247X101</cusip><value>2241552</value><shrsOrPrnAmt><sshPrnamt>3350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>3350</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CAPITAL ONE FINANCIAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14040H105</cusip><value>653888</value><shrsOrPrnAmt><sshPrnamt>6800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>6800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>149123101</cusip><value>1441692</value><shrsOrPrnAmt><sshPrnamt>6300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>6300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>166764100</cusip><value>1076856</value><shrsOrPrnAmt><sshPrnamt>6600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>6600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>17275R102</cusip><value>1607456</value><shrsOrPrnAmt><sshPrnamt>30750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>30750</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>22160K105</cusip><value>1577562</value><shrsOrPrnAmt><sshPrnamt>3175</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>3175</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>1260200</value><shrsOrPrnAmt><sshPrnamt>5000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>5000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>254687106</cusip><value>1296684</value><shrsOrPrnAmt><sshPrnamt>12950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>12950</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOLLAR TREE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>256746108</cusip><value>1205820</value><shrsOrPrnAmt><sshPrnamt>8400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>8400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25746U109</cusip><value>447280</value><shrsOrPrnAmt><sshPrnamt>8000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>8000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINOS PIZZA INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25754A201</cusip><value>1253506</value><shrsOrPrnAmt><sshPrnamt>3800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>3800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ECOLAB INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278865100</cusip><value>645567</value><shrsOrPrnAmt><sshPrnamt>3900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>3900</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30231G102</cusip><value>899212</value><shrsOrPrnAmt><sshPrnamt>8200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>8200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>38141G104</cusip><value>850486</value><shrsOrPrnAmt><sshPrnamt>2600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>2600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HOME DEPOT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>437076102</cusip><value>2715104</value><shrsOrPrnAmt><sshPrnamt>9200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>9200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>438516106</cusip><value>1911200</value><shrsOrPrnAmt><sshPrnamt>10000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>10000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE GROU</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45866F104</cusip><value>2748042</value><shrsOrPrnAmt><sshPrnamt>26350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>26350</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>478160104</cusip><value>2557500</value><shrsOrPrnAmt><sshPrnamt>16500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>16500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46625H100</cusip><value>2827727</value><shrsOrPrnAmt><sshPrnamt>21700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>21700</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>574599106</cusip><value>1640760</value><shrsOrPrnAmt><sshPrnamt>33000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>33000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>580135101</cusip><value>726986</value><shrsOrPrnAmt><sshPrnamt>2600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>2600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>META PLATFORMS INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30303M102</cusip><value>1165670</value><shrsOrPrnAmt><sshPrnamt>5500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>5500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>594918104</cusip><value>8649000</value><shrsOrPrnAmt><sshPrnamt>30000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>30000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MORGAN STANLEY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>617446448</cusip><value>992140</value><shrsOrPrnAmt><sshPrnamt>11300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>11300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NETFLIX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>64110L106</cusip><value>1036440</value><shrsOrPrnAmt><sshPrnamt>3000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>3000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>65339F101</cusip><value>423940</value><shrsOrPrnAmt><sshPrnamt>5500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>5500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NVIDIA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>67066G104</cusip><value>1805505</value><shrsOrPrnAmt><sshPrnamt>6500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>6500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORACLE CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68389X105</cusip><value>1765480</value><shrsOrPrnAmt><sshPrnamt>19000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>19000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>713448108</cusip><value>2406360</value><shrsOrPrnAmt><sshPrnamt>13200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>13200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>717081103</cusip><value>1815600</value><shrsOrPrnAmt><sshPrnamt>44500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>44500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>742718109</cusip><value>2289826</value><shrsOrPrnAmt><sshPrnamt>15400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>15400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUALCOMM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>747525103</cusip><value>1754225</value><shrsOrPrnAmt><sshPrnamt>13750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>13750</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>79466L302</cusip><value>3875732</value><shrsOrPrnAmt><sshPrnamt>19400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>19400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>824348106</cusip><value>618118</value><shrsOrPrnAmt><sshPrnamt>2750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>2750</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>842587107</cusip><value>636657</value><shrsOrPrnAmt><sshPrnamt>9150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>9150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>1855555</value><shrsOrPrnAmt><sshPrnamt>6500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>6500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>871829107</cusip><value>1351525</value><shrsOrPrnAmt><sshPrnamt>17500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>17500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>883556102</cusip><value>3357355</value><shrsOrPrnAmt><sshPrnamt>5825</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>5825</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>1806198</value><shrsOrPrnAmt><sshPrnamt>23050</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>23050</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>907818108</cusip><value>1066678</value><shrsOrPrnAmt><sshPrnamt>5300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>5300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>911312106</cusip><value>2211486</value><shrsOrPrnAmt><sshPrnamt>11400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>11400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>91324P102</cusip><value>2882799</value><shrsOrPrnAmt><sshPrnamt>6100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>6100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VISA INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92826C839</cusip><value>4086463</value><shrsOrPrnAmt><sshPrnamt>18125</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>18125</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VULCAN MATERIALS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>929160109</cusip><value>188716</value><shrsOrPrnAmt><sshPrnamt>1100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>1100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>931142103</cusip><value>2285475</value><shrsOrPrnAmt><sshPrnamt>15500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>15500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>94106L109</cusip><value>2937060</value><shrsOrPrnAmt><sshPrnamt>18000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>18000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WILLIAMS COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>969457100</cusip><value>1027184</value><shrsOrPrnAmt><sshPrnamt>34400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>34400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALEXANDRIA REAL ESTATE EQUITIE</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>015271109</cusip><value>188385</value><shrsOrPrnAmt><sshPrnamt>1500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>1500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN TOWER CORP REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>03027X100</cusip><value>480199</value><shrsOrPrnAmt><sshPrnamt>2350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>2350</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DIGITAL REALTY TRUST INC REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>253868103</cusip><value>1081410</value><shrsOrPrnAmt><sshPrnamt>11000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>11000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PUBLIC STORAGE INC REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>74460D109</cusip><value>574066</value><shrsOrPrnAmt><sshPrnamt>1900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>1900</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>N53745100</cusip><value>187780</value><shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>2000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBOTT LABS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>002824100</cusip><value>20252</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>200</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBVIE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00287Y109</cusip><value>31874</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>200</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>025816109</cusip><value>49485</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>300</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>36263</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>150</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032654105</cusip><value>34514</value><shrsOrPrnAmt><sshPrnamt>175</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>175</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>037833100</cusip><value>69258</value><shrsOrPrnAmt><sshPrnamt>420</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>420</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AT&amp;T INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00206R102</cusip><value>5775</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>300</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>110122108</cusip><value>17328</value><shrsOrPrnAmt><sshPrnamt>250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>250</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>166764100</cusip><value>31000</value><shrsOrPrnAmt><sshPrnamt>190</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>190</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>17275R102</cusip><value>20910</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>400</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>194162103</cusip><value>15030</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>200</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>25456</value><shrsOrPrnAmt><sshPrnamt>101</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>101</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>254687106</cusip><value>20026</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>200</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25746U109</cusip><value>11182</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>200</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOW INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>260557103</cusip><value>3618</value><shrsOrPrnAmt><sshPrnamt>66</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>66</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26614N102</cusip><value>4737</value><shrsOrPrnAmt><sshPrnamt>66</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>66</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30231G102</cusip><value>24125</value><shrsOrPrnAmt><sshPrnamt>220</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>220</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL MLS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>370334104</cusip><value>8546</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>100</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HOME DEPOT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>437076102</cusip><value>29512</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>100</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>458140100</cusip><value>13068</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>400</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459200101</cusip><value>13109</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>100</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>478160104</cusip><value>23250</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>150</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KYNDRYL HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>50155Q100</cusip><value>295</value><shrsOrPrnAmt><sshPrnamt>20</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>20</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>571903202</cusip><value>7970</value><shrsOrPrnAmt><sshPrnamt>48</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>48</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>580135101</cusip><value>27961</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>100</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>594918104</cusip><value>115320</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>400</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORACLE CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68389X105</cusip><value>27876</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>300</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>713448108</cusip><value>27345</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>150</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>742718109</cusip><value>22304</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>150</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>74144T108</cusip><value>28225</value><shrsOrPrnAmt><sshPrnamt>250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>250</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>31344</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>400</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VISA INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92826C839</cusip><value>15782</value><shrsOrPrnAmt><sshPrnamt>70</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>70</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WARNER BROS DISCOVERY INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>934423104</cusip><value>1087</value><shrsOrPrnAmt><sshPrnamt>72</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>72</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>949746101</cusip><value>22428</value><shrsOrPrnAmt><sshPrnamt>600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>600</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908629</cusip><value>93438</value><shrsOrPrnAmt><sshPrnamt>443</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>443</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>29950</value><shrsOrPrnAmt><sshPrnamt>158</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><votingAuthority><Sole>0</Sole><Shared>158</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBOTT LABS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>002824100</cusip><value>90729</value><shrsOrPrnAmt><sshPrnamt>896</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>896</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00507V109</cusip><value>49985</value><shrsOrPrnAmt><sshPrnamt>584</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>584</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00724F101</cusip><value>144128</value><shrsOrPrnAmt><sshPrnamt>374</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>374</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K305</cusip><value>197502</value><shrsOrPrnAmt><sshPrnamt>1904</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1904</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL C</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K107</cusip><value>83720</value><shrsOrPrnAmt><sshPrnamt>805</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>805</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02209S103</cusip><value>20079</value><shrsOrPrnAmt><sshPrnamt>450</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>450</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMAZON.COM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>023135106</cusip><value>220731</value><shrsOrPrnAmt><sshPrnamt>2137</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2137</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>025816109</cusip><value>9897</value><shrsOrPrnAmt><sshPrnamt>60</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>60</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN WATER WORKS CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>030420103</cusip><value>41457</value><shrsOrPrnAmt><sshPrnamt>283</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>283</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>25142</value><shrsOrPrnAmt><sshPrnamt>104</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>104</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032654105</cusip><value>27611</value><shrsOrPrnAmt><sshPrnamt>140</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>140</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>037833100</cusip><value>1166503</value><shrsOrPrnAmt><sshPrnamt>7074</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7074</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AT&amp;T INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00206R102</cusip><value>66952</value><shrsOrPrnAmt><sshPrnamt>3478</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3478</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTODESK INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>052769106</cusip><value>20816</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>053015103</cusip><value>72577</value><shrsOrPrnAmt><sshPrnamt>326</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>326</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>060505104</cusip><value>67639</value><shrsOrPrnAmt><sshPrnamt>2365</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2365</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>084670702</cusip><value>138947</value><shrsOrPrnAmt><sshPrnamt>450</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>450</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09247X101</cusip><value>112412</value><shrsOrPrnAmt><sshPrnamt>168</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>168</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09857L108</cusip><value>7957</value><shrsOrPrnAmt><sshPrnamt>3</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>110122108</cusip><value>137996</value><shrsOrPrnAmt><sshPrnamt>1991</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1991</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>149123101</cusip><value>75517</value><shrsOrPrnAmt><sshPrnamt>330</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>330</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>166764100</cusip><value>44380</value><shrsOrPrnAmt><sshPrnamt>272</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>272</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>17275R102</cusip><value>140306</value><shrsOrPrnAmt><sshPrnamt>2684</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2684</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CLOROX COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>189054109</cusip><value>11868</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COCA COLA CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>191216100</cusip><value>124990</value><shrsOrPrnAmt><sshPrnamt>2015</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2015</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>194162103</cusip><value>15030</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20825C104</cusip><value>60022</value><shrsOrPrnAmt><sshPrnamt>605</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>605</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>21036P108</cusip><value>56473</value><shrsOrPrnAmt><sshPrnamt>250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>250</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>22160K105</cusip><value>125211</value><shrsOrPrnAmt><sshPrnamt>252</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>252</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CUMMINS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>231021106</cusip><value>62109</value><shrsOrPrnAmt><sshPrnamt>260</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>260</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>90230</value><shrsOrPrnAmt><sshPrnamt>358</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>358</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DEERE &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>244199105</cusip><value>30966</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DELL TECHNOLOGIES INC CL C</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>24703L202</cusip><value>1327</value><shrsOrPrnAmt><sshPrnamt>33</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>33</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>254687106</cusip><value>134575</value><shrsOrPrnAmt><sshPrnamt>1344</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1344</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOLLAR TREE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>256746108</cusip><value>76082</value><shrsOrPrnAmt><sshPrnamt>530</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>530</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25746U109</cusip><value>16382</value><shrsOrPrnAmt><sshPrnamt>293</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>293</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOW INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>260557103</cusip><value>2467</value><shrsOrPrnAmt><sshPrnamt>45</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>45</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26614N102</cusip><value>3230</value><shrsOrPrnAmt><sshPrnamt>45</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>45</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>277432100</cusip><value>22434</value><shrsOrPrnAmt><sshPrnamt>266</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>266</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ECOLAB INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278865100</cusip><value>4966</value><shrsOrPrnAmt><sshPrnamt>30</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>30</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>036752103</cusip><value>20691</value><shrsOrPrnAmt><sshPrnamt>45</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>45</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30231G102</cusip><value>148151</value><shrsOrPrnAmt><sshPrnamt>1351</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1351</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FEDEX CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>31428X106</cusip><value>20564</value><shrsOrPrnAmt><sshPrnamt>90</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>90</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GE HEALTHCARE TECHNOLOGIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>36266G107</cusip><value>18457</value><shrsOrPrnAmt><sshPrnamt>225</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>225</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>369550108</cusip><value>92425</value><shrsOrPrnAmt><sshPrnamt>405</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>405</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>369604301</cusip><value>64530</value><shrsOrPrnAmt><sshPrnamt>675</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>675</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL MLS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>370334104</cusip><value>25638</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>38141G104</cusip><value>29440</value><shrsOrPrnAmt><sshPrnamt>90</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>90</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HOME DEPOT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>437076102</cusip><value>186221</value><shrsOrPrnAmt><sshPrnamt>631</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>631</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>438516106</cusip><value>132446</value><shrsOrPrnAmt><sshPrnamt>693</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>693</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>452308109</cusip><value>26293</value><shrsOrPrnAmt><sshPrnamt>108</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>108</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>458140100</cusip><value>21824</value><shrsOrPrnAmt><sshPrnamt>668</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>668</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE GROU</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45866F104</cusip><value>115449</value><shrsOrPrnAmt><sshPrnamt>1107</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1107</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERNATIONAL FLAVORS &amp; FRAGRA</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459506101</cusip><value>3035</value><shrsOrPrnAmt><sshPrnamt>33</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>33</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459200101</cusip><value>22679</value><shrsOrPrnAmt><sshPrnamt>173</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>173</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46982L108</cusip><value>4700</value><shrsOrPrnAmt><sshPrnamt>40</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>40</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>478160104</cusip><value>168020</value><shrsOrPrnAmt><sshPrnamt>1084</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1084</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46625H100</cusip><value>182564</value><shrsOrPrnAmt><sshPrnamt>1401</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1401</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>494368103</cusip><value>6711</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KINDER MORGAN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>49456B101</cusip><value>876</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>500754106</cusip><value>1934</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LOWES COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>548661107</cusip><value>55792</value><shrsOrPrnAmt><sshPrnamt>279</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>279</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>571903202</cusip><value>12453</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>574599106</cusip><value>54642</value><shrsOrPrnAmt><sshPrnamt>1099</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1099</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>57636Q104</cusip><value>114111</value><shrsOrPrnAmt><sshPrnamt>314</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>314</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>580135101</cusip><value>109328</value><shrsOrPrnAmt><sshPrnamt>391</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>391</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>58933Y105</cusip><value>75005</value><shrsOrPrnAmt><sshPrnamt>705</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>705</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>META PLATFORMS INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30303M102</cusip><value>48322</value><shrsOrPrnAmt><sshPrnamt>228</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>228</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>595017104</cusip><value>28066</value><shrsOrPrnAmt><sshPrnamt>335</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>335</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>594918104</cusip><value>426107</value><shrsOrPrnAmt><sshPrnamt>1478</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1478</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>609207105</cusip><value>20916</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MORGAN STANLEY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>617446448</cusip><value>8780</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NASDAQ INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>631103108</cusip><value>13668</value><shrsOrPrnAmt><sshPrnamt>250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>250</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NETFLIX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>64110L106</cusip><value>100535</value><shrsOrPrnAmt><sshPrnamt>291</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>291</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>65339F101</cusip><value>27749</value><shrsOrPrnAmt><sshPrnamt>360</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>360</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>654106103</cusip><value>33603</value><shrsOrPrnAmt><sshPrnamt>274</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>274</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NVIDIA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>67066G104</cusip><value>174162</value><shrsOrPrnAmt><sshPrnamt>627</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>627</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORACLE CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68389X105</cusip><value>187327</value><shrsOrPrnAmt><sshPrnamt>2016</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2016</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYCHEX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>704326107</cusip><value>116996</value><shrsOrPrnAmt><sshPrnamt>1021</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1021</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>70450Y103</cusip><value>53917</value><shrsOrPrnAmt><sshPrnamt>710</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>710</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>713448108</cusip><value>28257</value><shrsOrPrnAmt><sshPrnamt>155</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>155</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>717081103</cusip><value>123053</value><shrsOrPrnAmt><sshPrnamt>3016</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3016</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>742718109</cusip><value>120885</value><shrsOrPrnAmt><sshPrnamt>813</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>813</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>744320102</cusip><value>10343</value><shrsOrPrnAmt><sshPrnamt>125</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>125</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUALCOMM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>747525103</cusip><value>106784</value><shrsOrPrnAmt><sshPrnamt>837</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>837</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>75513E101</cusip><value>23993</value><shrsOrPrnAmt><sshPrnamt>245</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>245</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>79466L302</cusip><value>178404</value><shrsOrPrnAmt><sshPrnamt>893</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>893</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHWEST AIRLINES CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>844741108</cusip><value>3254</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STARBUCKS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>855244109</cusip><value>80076</value><shrsOrPrnAmt><sshPrnamt>769</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>769</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>184985</value><shrsOrPrnAmt><sshPrnamt>648</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>648</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>871829107</cusip><value>39542</value><shrsOrPrnAmt><sshPrnamt>512</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>512</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>74144T108</cusip><value>10387</value><shrsOrPrnAmt><sshPrnamt>92</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>92</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88160R101</cusip><value>10373</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>882508104</cusip><value>9301</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>883556102</cusip><value>129107</value><shrsOrPrnAmt><sshPrnamt>224</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>224</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>86431</value><shrsOrPrnAmt><sshPrnamt>1103</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1103</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>89417E109</cusip><value>64793</value><shrsOrPrnAmt><sshPrnamt>378</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>378</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>907818108</cusip><value>123574</value><shrsOrPrnAmt><sshPrnamt>614</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>614</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>911312106</cusip><value>11833</value><shrsOrPrnAmt><sshPrnamt>61</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>61</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>91324P102</cusip><value>112004</value><shrsOrPrnAmt><sshPrnamt>237</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>237</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>US BANCORP NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>902973304</cusip><value>49965</value><shrsOrPrnAmt><sshPrnamt>1386</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1386</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92343V104</cusip><value>68796</value><shrsOrPrnAmt><sshPrnamt>1769</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1769</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VISA INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92826C839</cusip><value>225235</value><shrsOrPrnAmt><sshPrnamt>999</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>999</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VMWARE INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>928563402</cusip><value>1748</value><shrsOrPrnAmt><sshPrnamt>14</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>14</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>931142103</cusip><value>53229</value><shrsOrPrnAmt><sshPrnamt>361</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>361</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>949746101</cusip><value>2804</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WILLIAMS COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>969457100</cusip><value>85011</value><shrsOrPrnAmt><sshPrnamt>2847</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2847</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>YUM! BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>988498101</cusip><value>63927</value><shrsOrPrnAmt><sshPrnamt>484</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>484</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VODAFONE GROUP SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92857W308</cusip><value>199</value><shrsOrPrnAmt><sshPrnamt>18</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CROWN CASTLE INC REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>22822V101</cusip><value>10038</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ARROW FINANCIAL CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>042744102</cusip><value>543113</value><shrsOrPrnAmt><sshPrnamt>21803</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21803</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ACCENTURE PLC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G1151C101</cusip><value>15720</value><shrsOrPrnAmt><sshPrnamt>55</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>55</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>N53745100</cusip><value>42532</value><shrsOrPrnAmt><sshPrnamt>453</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>453</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>806857108</cusip><value>30688</value><shrsOrPrnAmt><sshPrnamt>625</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>625</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMM. SERV. SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y852</cusip><value>40579</value><shrsOrPrnAmt><sshPrnamt>700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>700</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS DISC SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y407</cusip><value>74770</value><shrsOrPrnAmt><sshPrnamt>500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS STAPLES SELECT SECT SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y308</cusip><value>35114</value><shrsOrPrnAmt><sshPrnamt>470</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>470</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y506</cusip><value>28494</value><shrsOrPrnAmt><sshPrnamt>344</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>344</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y209</cusip><value>103568</value><shrsOrPrnAmt><sshPrnamt>800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y704</cusip><value>66779</value><shrsOrPrnAmt><sshPrnamt>660</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>660</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INVESCO QQQ TRUST SERIES 1</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46090E103</cusip><value>1752599</value><shrsOrPrnAmt><sshPrnamt>5461</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5461</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE MSCI DEV MKTS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435G326</cusip><value>1816640</value><shrsOrPrnAmt><sshPrnamt>30042</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>30042</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287507</cusip><value>3538013</value><shrsOrPrnAmt><sshPrnamt>14143</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>14143</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287804</cusip><value>3411383</value><shrsOrPrnAmt><sshPrnamt>35278</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>35278</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287200</cusip><value>7399</value><shrsOrPrnAmt><sshPrnamt>18</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287499</cusip><value>128024</value><shrsOrPrnAmt><sshPrnamt>1831</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1831</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287655</cusip><value>70290</value><shrsOrPrnAmt><sshPrnamt>394</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>394</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MATERIALS SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y100</cusip><value>107842</value><shrsOrPrnAmt><sshPrnamt>1337</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1337</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NUVEEN ESG SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>67092P607</cusip><value>55063</value><shrsOrPrnAmt><sshPrnamt>1555</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1555</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P BIOTECH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A870</cusip><value>3048</value><shrsOrPrnAmt><sshPrnamt>40</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>40</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78462F103</cusip><value>114220</value><shrsOrPrnAmt><sshPrnamt>279</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>279</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y803</cusip><value>151010</value><shrsOrPrnAmt><sshPrnamt>1000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y886</cusip><value>61192</value><shrsOrPrnAmt><sshPrnamt>904</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>904</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908629</cusip><value>1111548</value><shrsOrPrnAmt><sshPrnamt>5270</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5270</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908363</cusip><value>8437883</value><shrsOrPrnAmt><sshPrnamt>22437</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>22437</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>428974</value><shrsOrPrnAmt><sshPrnamt>2263</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2263</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR TR E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287457</cusip><value>19883</value><shrsOrPrnAmt><sshPrnamt>242</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>242</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE U.S. AGGREGATE</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287226</cusip><value>27401</value><shrsOrPrnAmt><sshPrnamt>275</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>275</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2023 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VAX8</cusip><value>772678</value><shrsOrPrnAmt><sshPrnamt>30674</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>30674</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2024 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBG4</cusip><value>787765</value><shrsOrPrnAmt><sshPrnamt>32036</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>32036</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2025 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBD1</cusip><value>803112</value><shrsOrPrnAmt><sshPrnamt>32740</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>32740</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2026 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435GAA0</cusip><value>815980</value><shrsOrPrnAmt><sshPrnamt>34386</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>34386</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2027 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435UAA9</cusip><value>864785</value><shrsOrPrnAmt><sshPrnamt>36305</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>36305</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2028 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U515</cusip><value>864720</value><shrsOrPrnAmt><sshPrnamt>34672</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>34672</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2029 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E205</cusip><value>819104</value><shrsOrPrnAmt><sshPrnamt>35800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>35800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2030 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E726</cusip><value>691565</value><shrsOrPrnAmt><sshPrnamt>32121</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>32121</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2031 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E486</cusip><value>742032</value><shrsOrPrnAmt><sshPrnamt>35951</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>35951</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2032 TC ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E312</cusip><value>495383</value><shrsOrPrnAmt><sshPrnamt>19760</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19760</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS 2024 H/Y INC</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U184</cusip><value>901122</value><shrsOrPrnAmt><sshPrnamt>38959</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>38959</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES 1-5Y INV GRADE CORP ET</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288646</cusip><value>28302</value><shrsOrPrnAmt><sshPrnamt>560</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>560</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES 20 PLUS YEAR TREASURY BOND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287432</cusip><value>9361</value><shrsOrPrnAmt><sshPrnamt>88</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>88</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SHORT TERM CORP BOND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92206C409</cusip><value>377720</value><shrsOrPrnAmt><sshPrnamt>4955</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4955</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>921937835</cusip><value>18088</value><shrsOrPrnAmt><sshPrnamt>245</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>245</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES NEW YORK MUNI BOND ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288323</cusip><value>50888</value><shrsOrPrnAmt><sshPrnamt>951</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>951</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable></informationTable><!-- Other Managers: 2|GLENS FALLS NATIONAL BANK & TRUST CO /NY||0000902882||^3|North Country Investment Advisers, Inc.||0001401342|| --><!-- tableEntryCount=717 tableValueTotal=767268345 -->
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
