<SEC-DOCUMENT>0000717538-23-000170.txt : 20230809
<SEC-HEADER>0000717538-23-000170.hdr.sgml : 20230809
<ACCEPTANCE-DATETIME>20230809152505
ACCESSION NUMBER:		0000717538-23-000170
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230630
FILED AS OF DATE:		20230809
DATE AS OF CHANGE:		20230809
EFFECTIVENESS DATE:		20230809

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:		231154831

	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>
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      <liveTestFlag>LIVE</liveTestFlag>
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        <confirmingCopyFlag>false</confirmingCopyFlag>
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      <filer>
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          <cik>0000717538</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>06-30-2023</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>06-30-2023</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>
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      <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>08-09-2023</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>2</otherIncludedManagersCount>
      <tableEntryTotal>728</tableEntryTotal>
      <tableValueTotal>828915570</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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        <otherManager2>
          <sequenceNumber>2</sequenceNumber>
          <otherManager>
            <cik>0000902882</cik>
            <name>GLENS FALLS NATIONAL BANK &amp; TRUST CO /NY</name>
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        </otherManager2>
        <otherManager2>
          <sequenceNumber>3</sequenceNumber>
          <otherManager>
            <cik>0001401342</cik>
            <name>North Country Investment Advisers, Inc.</name>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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<DESCRIPTION>INFORMATION TABLE
<TEXT>
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STOCK</titleOfClass><cusip>902973304</cusip><value>736230</value><shrsOrPrnAmt><sshPrnamt>22283</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>22283</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92343V104</cusip><value>326082</value><shrsOrPrnAmt><sshPrnamt>8768</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8768</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92532F100</cusip><value>7038</value><shrsOrPrnAmt><sshPrnamt>20</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>20</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VIATRIS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92556V106</cusip><value>240</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>4101</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>3187932</value><shrsOrPrnAmt><sshPrnamt>13424</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13424</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VULCAN MATERIALS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>929160109</cusip><value>190497</value><shrsOrPrnAmt><sshPrnamt>845</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>845</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WABTEC CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>929740108</cusip><value>16451</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>1552624</value><shrsOrPrnAmt><sshPrnamt>9878</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9878</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>138</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>42314</value><shrsOrPrnAmt><sshPrnamt>244</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>244</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92939U106</cusip><value>25148</value><shrsOrPrnAmt><sshPrnamt>285</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>285</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>949746101</cusip><value>219247</value><shrsOrPrnAmt><sshPrnamt>5137</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5137</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WENDY'S CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>95058W100</cusip><value>14573</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>1527867</value><shrsOrPrnAmt><sshPrnamt>46824</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>46824</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>XYLEM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>98419M100</cusip><value>8221</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>28250</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>1614385</value><shrsOrPrnAmt><sshPrnamt>11652</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>11652</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>98956P102</cusip><value>88088</value><shrsOrPrnAmt><sshPrnamt>605</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>605</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>3M CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88579Y101</cusip><value>192173</value><shrsOrPrnAmt><sshPrnamt>1920</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1920</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BIONTECH SE SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09075V102</cusip><value>5397</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>74885</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>38304</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>38206</value><shrsOrPrnAmt><sshPrnamt>197</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>197</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LXP INDUSTRIAL TRUST REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>529043101</cusip><value>14625</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>WEYERHAEUSER CO REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>962166104</cusip><value>3351</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>ARROW FINANCIAL CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>042744102</cusip><value>30866564</value><shrsOrPrnAmt><sshPrnamt>1532600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1532600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ACCENTURE PLC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G1151C101</cusip><value>65419</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>16930</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>CHECK POINT SOFTWARE TECH LTD</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>M22465104</cusip><value>20099</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>28154</value><shrsOrPrnAmt><sshPrnamt>140</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>140</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENBRIDGE INCORPORATED</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>29250N105</cusip><value>66870</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>50050</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>852733</value><shrsOrPrnAmt><sshPrnamt>9286</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9286</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MANULIFE FINANCIAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>56501R106</cusip><value>4463</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>65811</value><shrsOrPrnAmt><sshPrnamt>747</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>747</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MIND MEDICINE MINDMED INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>60255C885</cusip><value>236</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>16744</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>9551</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>22251</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>SHOPIFY INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>82509L107</cusip><value>23256</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>TORONTO DOMINION BANK</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>891160509</cusip><value>98224</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>14318</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>304809</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>96421</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>163720</value><shrsOrPrnAmt><sshPrnamt>2017</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2017</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FINANCIAL SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y605</cusip><value>487345</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>31378</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>466148</value><shrsOrPrnAmt><sshPrnamt>3512</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3512</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y704</cusip><value>294593</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>27821</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>21567478</value><shrsOrPrnAmt><sshPrnamt>58382</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>58382</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>27181348</value><shrsOrPrnAmt><sshPrnamt>444721</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>444721</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE MSCI EAFE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46432F842</cusip><value>40028</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>45405479</value><shrsOrPrnAmt><sshPrnamt>173648</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>173648</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>45689724</value><shrsOrPrnAmt><sshPrnamt>458502</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>458502</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287465</cusip><value>3915</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>222595</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>79069</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>24880</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>1179986</value><shrsOrPrnAmt><sshPrnamt>14239</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>14239</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REAL ESTATE SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y860</cusip><value>5013</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>249400</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>391501</value><shrsOrPrnAmt><sshPrnamt>6417</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6417</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>28969186</value><shrsOrPrnAmt><sshPrnamt>670583</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>670583</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>119808</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>51509</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>11973</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 PHARMACEUTICALS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A722</cusip><value>2050</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>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78462F103</cusip><value>5936406</value><shrsOrPrnAmt><sshPrnamt>13392</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13392</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y803</cusip><value>774546</value><shrsOrPrnAmt><sshPrnamt>4455</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4455</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y886</cusip><value>767611</value><shrsOrPrnAmt><sshPrnamt>11730</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>11730</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANECK BIOTECH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92189F726</cusip><value>39013</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>37999</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>28735</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>5044</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>157326</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>12731</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>45985</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>28031872</value><shrsOrPrnAmt><sshPrnamt>127325</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>127325</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908553</cusip><value>190935</value><shrsOrPrnAmt><sshPrnamt>2285</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2285</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>80478528</value><shrsOrPrnAmt><sshPrnamt>197600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>197600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>12695944</value><shrsOrPrnAmt><sshPrnamt>63834</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>63834</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>120323</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>4291679</value><shrsOrPrnAmt><sshPrnamt>43815</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>43815</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>458594</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>8430017</value><shrsOrPrnAmt><sshPrnamt>333334</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>333334</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>257652</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>7598766</value><shrsOrPrnAmt><sshPrnamt>308642</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>308642</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>7246589</value><shrsOrPrnAmt><sshPrnamt>297235</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>297235</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>258322</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>7393918</value><shrsOrPrnAmt><sshPrnamt>315037</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>315037</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>7082132</value><shrsOrPrnAmt><sshPrnamt>301624</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>301624</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>6983088</value><shrsOrPrnAmt><sshPrnamt>285024</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>285024</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>7151492</value><shrsOrPrnAmt><sshPrnamt>318552</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>318552</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>7063925</value><shrsOrPrnAmt><sshPrnamt>333204</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>333204</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>7044028</value><shrsOrPrnAmt><sshPrnamt>347510</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>347510</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>6486755</value><shrsOrPrnAmt><sshPrnamt>263475</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>263475</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>127129</value><shrsOrPrnAmt><sshPrnamt>5380</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5380</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>16118633</value><shrsOrPrnAmt><sshPrnamt>698381</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>698381</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>3603611</value><shrsOrPrnAmt><sshPrnamt>71828</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>71828</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SHORT TERM CORP BOND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92206C409</cusip><value>9359369</value><shrsOrPrnAmt><sshPrnamt>123703</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>123703</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD TOTAL BOND MARKET 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E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U432</cusip><value>257635</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>258846</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 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STOCK</titleOfClass><cusip>718546104</cusip><value>3052</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>754755</value><shrsOrPrnAmt><sshPrnamt>4974</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4974</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUALCOMM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>747525103</cusip><value>26189</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>70280</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>552201</value><shrsOrPrnAmt><sshPrnamt>5637</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5637</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RUMBLE INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>78137L105</cusip><value>8920</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>191613</value><shrsOrPrnAmt><sshPrnamt>907</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>907</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>842587107</cusip><value>42150</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>202380</value><shrsOrPrnAmt><sshPrnamt>2043</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2043</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>383803</value><shrsOrPrnAmt><sshPrnamt>1258</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1258</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>871829107</cusip><value>22260</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>160189</value><shrsOrPrnAmt><sshPrnamt>1430</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1430</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88160R101</cusip><value>57066</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>12346</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>182613</value><shrsOrPrnAmt><sshPrnamt>350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>350</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>177635</value><shrsOrPrnAmt><sshPrnamt>2095</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2095</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>89417E109</cusip><value>20839</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>3035</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>101287</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>119381</value><shrsOrPrnAmt><sshPrnamt>666</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>666</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>91324P102</cusip><value>165821</value><shrsOrPrnAmt><sshPrnamt>345</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>345</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>US BANCORP NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>902973304</cusip><value>99946</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>118971</value><shrsOrPrnAmt><sshPrnamt>3199</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3199</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92532F100</cusip><value>105573</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>10838</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>358832</value><shrsOrPrnAmt><sshPrnamt>1511</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1511</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>931142103</cusip><value>101381</value><shrsOrPrnAmt><sshPrnamt>645</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>645</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WARNER BROS DISCOVERY INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>934423104</cusip><value>4351</value><shrsOrPrnAmt><sshPrnamt>347</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>347</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>949746101</cusip><value>65087</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>58897</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>18704</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>21840</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>191172</value><shrsOrPrnAmt><sshPrnamt>1910</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1910</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN TOWER CORP REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>03027X100</cusip><value>32970</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>437179</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>100550</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>104797</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>11938</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>52860</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>11052</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>129229</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>406555</value><shrsOrPrnAmt><sshPrnamt>6247</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6247</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS DISC SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y407</cusip><value>589750</value><shrsOrPrnAmt><sshPrnamt>3473</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3473</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS STAPLES SELECT SECT SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y308</cusip><value>383162</value><shrsOrPrnAmt><sshPrnamt>5166</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5166</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y506</cusip><value>234094</value><shrsOrPrnAmt><sshPrnamt>2884</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2884</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FINANCIAL SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y605</cusip><value>662975</value><shrsOrPrnAmt><sshPrnamt>19667</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>19667</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y209</cusip><value>772489</value><shrsOrPrnAmt><sshPrnamt>5820</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5820</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y704</cusip><value>515243</value><shrsOrPrnAmt><sshPrnamt>4801</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4801</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INVESCO QQQ TRUST SERIES 1</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46090E103</cusip><value>96419</value><shrsOrPrnAmt><sshPrnamt>261</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>261</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE MSCI DEV MKTS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435G326</cusip><value>826770</value><shrsOrPrnAmt><sshPrnamt>13527</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>13527</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287507</cusip><value>286582</value><shrsOrPrnAmt><sshPrnamt>1096</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1096</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287804</cusip><value>1014537</value><shrsOrPrnAmt><sshPrnamt>10181</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10181</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES MSCI ALL COUNTRY ASIA</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288182</cusip><value>3056</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>15666</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>12123</value><shrsOrPrnAmt><sshPrnamt>166</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>166</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MATERIALS SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y100</cusip><value>298995</value><shrsOrPrnAmt><sshPrnamt>3608</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3608</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 VALUE E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A508</cusip><value>106747</value><shrsOrPrnAmt><sshPrnamt>2471</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2471</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P BIOTECH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A870</cusip><value>8320</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>5431</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>150715</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>1628547</value><shrsOrPrnAmt><sshPrnamt>9367</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>9367</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y886</cusip><value>162357</value><shrsOrPrnAmt><sshPrnamt>2481</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2481</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908629</cusip><value>3294254</value><shrsOrPrnAmt><sshPrnamt>14963</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>14963</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908553</cusip><value>181743</value><shrsOrPrnAmt><sshPrnamt>2175</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2175</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908363</cusip><value>1036120</value><shrsOrPrnAmt><sshPrnamt>2544</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2544</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>1354640</value><shrsOrPrnAmt><sshPrnamt>6811</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6811</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR TR E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287457</cusip><value>121620</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>465263</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>99744</value><shrsOrPrnAmt><sshPrnamt>3944</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3944</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2024 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBG4</cusip><value>216114</value><shrsOrPrnAmt><sshPrnamt>8778</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>8778</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2025 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBD1</cusip><value>167393</value><shrsOrPrnAmt><sshPrnamt>6866</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6866</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2026 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435GAA0</cusip><value>166754</value><shrsOrPrnAmt><sshPrnamt>7105</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>7105</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2027 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435UAA9</cusip><value>166943</value><shrsOrPrnAmt><sshPrnamt>7110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>7110</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2028 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U515</cusip><value>166576</value><shrsOrPrnAmt><sshPrnamt>6799</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6799</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2029 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E205</cusip><value>214959</value><shrsOrPrnAmt><sshPrnamt>9575</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>9575</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2030 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E726</cusip><value>216113</value><shrsOrPrnAmt><sshPrnamt>10194</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10194</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2031 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E486</cusip><value>255402</value><shrsOrPrnAmt><sshPrnamt>12600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>12600</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2032 TC ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E312</cusip><value>157322</value><shrsOrPrnAmt><sshPrnamt>6390</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6390</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS 2024 H/Y INC</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U184</cusip><value>374196</value><shrsOrPrnAmt><sshPrnamt>16213</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>16213</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES 1-5Y INV GRADE CORP ET</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288646</cusip><value>124973</value><shrsOrPrnAmt><sshPrnamt>2491</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2491</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SHORT TERM CORP BOND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92206C409</cusip><value>655291</value><shrsOrPrnAmt><sshPrnamt>8661</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>8661</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>921937835</cusip><value>120084</value><shrsOrPrnAmt><sshPrnamt>1652</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1652</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES NATIONAL MUNI BOND ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288414</cusip><value>45360</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>21804</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>ABBOTT LABS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>002824100</cusip><value>97682</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>ABBVIE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00287Y109</cusip><value>26946</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>ACTIVISION BLIZZARD INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00507V109</cusip><value>69126</value><shrsOrPrnAmt><sshPrnamt>820</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>820</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00724F101</cusip><value>180437</value><shrsOrPrnAmt><sshPrnamt>369</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>369</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K305</cusip><value>214742</value><shrsOrPrnAmt><sshPrnamt>1794</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1794</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL C</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K107</cusip><value>97381</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>20385</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>277928</value><shrsOrPrnAmt><sshPrnamt>2132</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2132</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>025816109</cusip><value>52260</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>AMERICAN EXPRESS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>025816109</cusip><value>10452</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>39685</value><shrsOrPrnAmt><sshPrnamt>278</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>278</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>33303</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>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>23090</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>AMPHENOL CORP CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032095101</cusip><value>51395</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>ANALOG DEVICES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032654105</cusip><value>34092</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>ANALOG DEVICES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032654105</cusip><value>27273</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>81467</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>APPLE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>037833100</cusip><value>1387855</value><shrsOrPrnAmt><sshPrnamt>7155</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7155</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AT&amp;T INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00206R102</cusip><value>4785</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>AT&amp;T INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00206R102</cusip><value>42268</value><shrsOrPrnAmt><sshPrnamt>2650</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2650</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTODESK INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>052769106</cusip><value>20461</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>51870</value><shrsOrPrnAmt><sshPrnamt>236</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>236</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>060505104</cusip><value>70721</value><shrsOrPrnAmt><sshPrnamt>2465</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2465</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>153450</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>116112</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>8101</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>15988</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>BRISTOL MYERS SQUIBB CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>110122108</cusip><value>125790</value><shrsOrPrnAmt><sshPrnamt>1967</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1967</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>149123101</cusip><value>87348</value><shrsOrPrnAmt><sshPrnamt>355</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>355</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>166764100</cusip><value>29897</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>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>166764100</cusip><value>42799</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>20696</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>CISCO SYSTEMS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>17275R102</cusip><value>145596</value><shrsOrPrnAmt><sshPrnamt>2814</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2814</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CLOROX COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>189054109</cusip><value>11928</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>120741</value><shrsOrPrnAmt><sshPrnamt>2005</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2005</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>194162103</cusip><value>15408</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>COLGATE PALMOLIVE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>194162103</cusip><value>15408</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>58022</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>CONSTELLATION BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>21036P108</cusip><value>47995</value><shrsOrPrnAmt><sshPrnamt>195</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>195</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>22160K105</cusip><value>132441</value><shrsOrPrnAmt><sshPrnamt>246</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>246</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CUMMINS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>231021106</cusip><value>62516</value><shrsOrPrnAmt><sshPrnamt>255</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>255</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>24240</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>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>85920</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>24311</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>DELL TECHNOLOGIES INC CL C</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>24703L202</cusip><value>1786</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>17856</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>DISNEY WALT CO NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>254687106</cusip><value>119100</value><shrsOrPrnAmt><sshPrnamt>1334</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1334</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOLLAR TREE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>256746108</cusip><value>60270</value><shrsOrPrnAmt><sshPrnamt>420</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>420</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25746U109</cusip><value>10358</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>15174</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>3515</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>DOW INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>260557103</cusip><value>2397</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>4715</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>3215</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>22270</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>5601</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>19993</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>23595</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>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30231G102</cusip><value>137387</value><shrsOrPrnAmt><sshPrnamt>1281</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1281</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FEDEX CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>31428X106</cusip><value>22311</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>18279</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>76378</value><shrsOrPrnAmt><sshPrnamt>355</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>355</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>369604301</cusip><value>74149</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>7670</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>GENERAL MLS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>370334104</cusip><value>23010</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>25803</value><shrsOrPrnAmt><sshPrnamt>80</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>80</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HOME DEPOT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>437076102</cusip><value>31064</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>196014</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>137573</value><shrsOrPrnAmt><sshPrnamt>663</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>663</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>452308109</cusip><value>27017</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>13376</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>INTEL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>458140100</cusip><value>22338</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>114550</value><shrsOrPrnAmt><sshPrnamt>1013</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1013</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERNATIONAL FLAVORS &amp; FRAGRA</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459506101</cusip><value>2626</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>13381</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>INTL. 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STOCK</titleOfClass><cusip>478160104</cusip><value>24828</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>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>478160104</cusip><value>168003</value><shrsOrPrnAmt><sshPrnamt>1015</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1015</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>187763</value><shrsOrPrnAmt><sshPrnamt>1291</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1291</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>494368103</cusip><value>6903</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>861</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>1775</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>KYNDRYL HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>50155Q100</cusip><value>266</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>LILLY ELI &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>532457108</cusip><value>16414</value><shrsOrPrnAmt><sshPrnamt>35</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>35</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LOWES COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>548661107</cusip><value>46043</value><shrsOrPrnAmt><sshPrnamt>204</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>204</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>571903202</cusip><value>8817</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>MARRIOTT INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>571903202</cusip><value>13777</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>69372</value><shrsOrPrnAmt><sshPrnamt>1209</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1209</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>57636Q104</cusip><value>113664</value><shrsOrPrnAmt><sshPrnamt>289</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>289</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>580135101</cusip><value>29841</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>MCDONALDS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>580135101</cusip><value>113097</value><shrsOrPrnAmt><sshPrnamt>379</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>379</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>58933Y105</cusip><value>81350</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>75476</value><shrsOrPrnAmt><sshPrnamt>263</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>263</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>595017104</cusip><value>30013</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>136216</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>MICROSOFT CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>594918104</cusip><value>499913</value><shrsOrPrnAmt><sshPrnamt>1468</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1468</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>609207105</cusip><value>21882</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>8540</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>12463</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>128183</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>26712</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>28807</value><shrsOrPrnAmt><sshPrnamt>261</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>261</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NVIDIA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>67066G104</cusip><value>233507</value><shrsOrPrnAmt><sshPrnamt>552</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>552</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORACLE CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68389X105</cusip><value>35727</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>ORACLE CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68389X105</cusip><value>224604</value><shrsOrPrnAmt><sshPrnamt>1886</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1886</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYCHEX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>704326107</cusip><value>90391</value><shrsOrPrnAmt><sshPrnamt>808</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>808</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>70450Y103</cusip><value>29361</value><shrsOrPrnAmt><sshPrnamt>440</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>440</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>713448108</cusip><value>27783</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>PEPSICO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>713448108</cusip><value>28709</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>101567</value><shrsOrPrnAmt><sshPrnamt>2769</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2769</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>742718109</cusip><value>22761</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>122606</value><shrsOrPrnAmt><sshPrnamt>808</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>808</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>744320102</cusip><value>11028</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>100232</value><shrsOrPrnAmt><sshPrnamt>842</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>842</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>75513E101</cusip><value>24000</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>185486</value><shrsOrPrnAmt><sshPrnamt>878</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>878</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHWEST AIRLINES CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>844741108</cusip><value>3621</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>72215</value><shrsOrPrnAmt><sshPrnamt>729</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>729</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>177867</value><shrsOrPrnAmt><sshPrnamt>583</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>583</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>871829107</cusip><value>35097</value><shrsOrPrnAmt><sshPrnamt>473</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>473</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>28005</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>T ROWE PRICE GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>74144T108</cusip><value>10306</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>13089</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>9001</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>115829</value><shrsOrPrnAmt><sshPrnamt>222</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>222</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>33916</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>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>84536</value><shrsOrPrnAmt><sshPrnamt>997</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>997</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>89417E109</cusip><value>65643</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>109062</value><shrsOrPrnAmt><sshPrnamt>533</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>533</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>10934</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>109105</value><shrsOrPrnAmt><sshPrnamt>227</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>227</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>US BANCORP NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>902973304</cusip><value>45959</value><shrsOrPrnAmt><sshPrnamt>1391</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1391</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92343V104</cusip><value>63744</value><shrsOrPrnAmt><sshPrnamt>1714</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1714</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VISA INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92826C839</cusip><value>16624</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>VISA INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92826C839</cusip><value>215869</value><shrsOrPrnAmt><sshPrnamt>909</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>909</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VMWARE INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>928563402</cusip><value>2012</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>58314</value><shrsOrPrnAmt><sshPrnamt>371</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>371</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>903</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>25608</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>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>949746101</cusip><value>3201</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>91756</value><shrsOrPrnAmt><sshPrnamt>2812</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2812</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>YUM! BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>988498101</cusip><value>69968</value><shrsOrPrnAmt><sshPrnamt>505</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>505</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VODAFONE GROUP SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92857W308</cusip><value>170</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>8546</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>388964</value><shrsOrPrnAmt><sshPrnamt>19313</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19313</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ACCENTURE PLC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G1151C101</cusip><value>16972</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>40313</value><shrsOrPrnAmt><sshPrnamt>439</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>439</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>806857108</cusip><value>30700</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>45556</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>84905</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>34860</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>27922</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>106184</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>70831</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>2158890</value><shrsOrPrnAmt><sshPrnamt>5844</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5844</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>1779753</value><shrsOrPrnAmt><sshPrnamt>29119</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>29119</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>3731058</value><shrsOrPrnAmt><sshPrnamt>14269</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>14269</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>3839315</value><shrsOrPrnAmt><sshPrnamt>38528</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>38528</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>5794</value><shrsOrPrnAmt><sshPrnamt>13</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287499</cusip><value>133718</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>64234</value><shrsOrPrnAmt><sshPrnamt>343</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>343</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES SILVER TRUST</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46428Q109</cusip><value>4805</value><shrsOrPrnAmt><sshPrnamt>230</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>230</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MATERIALS SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y100</cusip><value>104168</value><shrsOrPrnAmt><sshPrnamt>1257</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1257</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NUVEEN ESG SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>67092P607</cusip><value>57519</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 GOLD TRUST</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78463V107</cusip><value>71843</value><shrsOrPrnAmt><sshPrnamt>403</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>403</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>2086344</value><shrsOrPrnAmt><sshPrnamt>48295</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>48295</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>3328</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>73141</value><shrsOrPrnAmt><sshPrnamt>165</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>165</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y803</cusip><value>173860</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>60794</value><shrsOrPrnAmt><sshPrnamt>929</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>929</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANECK GOLD MINERS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92189F106</cusip><value>4577</value><shrsOrPrnAmt><sshPrnamt>152</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>152</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908629</cusip><value>97531</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 MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908629</cusip><value>1162445</value><shrsOrPrnAmt><sshPrnamt>5280</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5280</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>8554102</value><shrsOrPrnAmt><sshPrnamt>21003</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>21003</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>31425</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>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>450088</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>19621</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>26936</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>772180</value><shrsOrPrnAmt><sshPrnamt>30533</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>30533</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>787077</value><shrsOrPrnAmt><sshPrnamt>31969</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>31969</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>799006</value><shrsOrPrnAmt><sshPrnamt>32773</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>32773</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>802439</value><shrsOrPrnAmt><sshPrnamt>34190</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>34190</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>848825</value><shrsOrPrnAmt><sshPrnamt>36151</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>36151</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>846818</value><shrsOrPrnAmt><sshPrnamt>34564</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>34564</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>847847</value><shrsOrPrnAmt><sshPrnamt>37766</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>37766</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>740431</value><shrsOrPrnAmt><sshPrnamt>34926</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>34926</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>804010</value><shrsOrPrnAmt><sshPrnamt>39665</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>39665</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>654621</value><shrsOrPrnAmt><sshPrnamt>26589</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>26589</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>1330193</value><shrsOrPrnAmt><sshPrnamt>57634</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>57634</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>28095</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>33764</value><shrsOrPrnAmt><sshPrnamt>328</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>328</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SHORT TERM CORP BOND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92206C409</cusip><value>366497</value><shrsOrPrnAmt><sshPrnamt>4844</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4844</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>921937835</cusip><value>17809</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>50650</value><shrsOrPrnAmt><sshPrnamt>951</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>951</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBOTT LABS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>002824100</cusip><value>2180400</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>1475250</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>3325132</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>AIR PRODUCTS &amp; CHEMICALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>009158106</cusip><value>808731</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>3806460</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>4314916</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>2264604</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>2973250</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>11153275</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>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>060505104</cusip><value>1993955</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>2028950</value><shrsOrPrnAmt><sshPrnamt>5950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>5950</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09247X101</cusip><value>2315319</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 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STOCK</titleOfClass><cusip>166764100</cusip><value>1038510</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>1591005</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>1117139</value><shrsOrPrnAmt><sshPrnamt>2075</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>2075</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>1200000</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>1156176</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>588350</value><shrsOrPrnAmt><sshPrnamt>4100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>4100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25746U109</cusip><value>414320</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>ECOLAB INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278865100</cusip><value>728091</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 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STOCK</titleOfClass><cusip>437076102</cusip><value>2857888</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>2075000</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>2374680</value><shrsOrPrnAmt><sshPrnamt>21000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>21000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>478160104</cusip><value>2731080</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 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STOCK</titleOfClass><cusip>N53745100</cusip><value>183660</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></informationTable><!-- Other Managers: 2|GLENS FALLS NATIONAL BANK & TRUST CO /NY||0000902882||^3|North Country Investment Advisers, Inc.||0001401342|| --><!-- tableEntryCount=728 tableValueTotal=828915570 -->
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