<SEC-DOCUMENT>0000717538-24-000037.txt : 20240212
<SEC-HEADER>0000717538-24-000037.hdr.sgml : 20240212
<ACCEPTANCE-DATETIME>20240212165803
ACCESSION NUMBER:		0000717538-24-000037
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20231231
FILED AS OF DATE:		20240212
DATE AS OF CHANGE:		20240212
EFFECTIVENESS DATE:		20240212

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ARROW FINANCIAL CORP
		CENTRAL INDEX KEY:			0000717538
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		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:		24620927

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ARROW BANK CORP
		DATE OF NAME CHANGE:	19900710
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?>
<edgarSubmission xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:com="http://www.sec.gov/edgar/common" xmlns="http://www.sec.gov/edgar/thirteenffiler">
  <schemaVersion>X0202</schemaVersion>
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
      </flags>
      <filer>
        <credentials>
          <cik>0000717538</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>12-31-2023</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>12-31-2023</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>Arrow Financial Corp</name>
        <address>
          <com:street1>250 GLEN STREET</com:street1>
          <com:city>Glens Falls</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>12801</com:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-12533</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>PENKO IVANOV</name>
      <title>CHIEF FINANCIAL OFFICER</title>
      <phone>518-415-4512</phone>
      <signature>/s/ PENKO IVANOV</signature>
      <city>GLENS FALLS</city>
      <stateOrCountry>NY</stateOrCountry>
      <signatureDate>02-12-2024</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>2</otherIncludedManagersCount>
      <tableEntryTotal>727</tableEntryTotal>
      <tableValueTotal>963804872</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
      <otherManagers2Info>
        <otherManager2>
          <sequenceNumber>2</sequenceNumber>
          <otherManager>
            <cik>0000902882</cik>
            <name>GLENS FALLS NATIONAL BANK &amp; TRUST CO /NY</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>3</sequenceNumber>
          <otherManager>
            <cik>0001401342</cik>
            <name>North Country Investment Advisers, Inc.</name>
          </otherManager>
        </otherManager2>
      </otherManagers2Info>
    </summaryPage>
  </formData>
</edgarSubmission>
</XML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>information_table.xml
<DESCRIPTION>INFORMATION TABLE
<TEXT>
<XML>
<?xml version="1.0" encoding="UTF-8"?><informationTable xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><infoTable><nameOfIssuer>ABBOTT LABS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>002824100</cusip><value>2263920</value><shrsOrPrnAmt><sshPrnamt>20568</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>20568</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBVIE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00287Y109</cusip><value>763382</value><shrsOrPrnAmt><sshPrnamt>4926</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4926</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00724F101</cusip><value>3791990</value><shrsOrPrnAmt><sshPrnamt>6356</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6356</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>68176</value><shrsOrPrnAmt><sshPrnamt>249</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>249</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K305</cusip><value>7331909</value><shrsOrPrnAmt><sshPrnamt>52487</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>52487</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL C</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K107</cusip><value>1876624</value><shrsOrPrnAmt><sshPrnamt>13316</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13316</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02209S103</cusip><value>222757</value><shrsOrPrnAmt><sshPrnamt>5522</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5522</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMAZON.COM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>023135106</cusip><value>5606738</value><shrsOrPrnAmt><sshPrnamt>36901</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>36901</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN ELEC PWR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>025537101</cusip><value>70255</value><shrsOrPrnAmt><sshPrnamt>865</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>865</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>025816109</cusip><value>339085</value><shrsOrPrnAmt><sshPrnamt>1810</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1810</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN INTERNATIONAL GROUP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>026874784</cusip><value>13550</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN SUPERCONDUCTOR CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>030111207</cusip><value>3843</value><shrsOrPrnAmt><sshPrnamt>345</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>345</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>758415</value><shrsOrPrnAmt><sshPrnamt>5746</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5746</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>1290330</value><shrsOrPrnAmt><sshPrnamt>4480</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4480</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMPHENOL CORP CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032095101</cusip><value>2461398</value><shrsOrPrnAmt><sshPrnamt>24830</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>24830</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032654105</cusip><value>11914</value><shrsOrPrnAmt><sshPrnamt>60</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>60</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>037833100</cusip><value>11982682</value><shrsOrPrnAmt><sshPrnamt>62238</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>62238</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>038222105</cusip><value>318468</value><shrsOrPrnAmt><sshPrnamt>1965</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1965</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>039483102</cusip><value>14444</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ASHLAND INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>044186104</cusip><value>13911</value><shrsOrPrnAmt><sshPrnamt>165</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>165</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AT&amp;T INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00206R102</cusip><value>278934</value><shrsOrPrnAmt><sshPrnamt>16623</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>16623</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTODESK INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>052769106</cusip><value>19478</value><shrsOrPrnAmt><sshPrnamt>80</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>80</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>053015103</cusip><value>265353</value><shrsOrPrnAmt><sshPrnamt>1139</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1139</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BADGER METER INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>056525108</cusip><value>15437</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>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>060505104</cusip><value>2078786</value><shrsOrPrnAmt><sshPrnamt>61740</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>61740</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF NEW YORK MELLON CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>064058100</cusip><value>39038</value><shrsOrPrnAmt><sshPrnamt>750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>750</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BAXTER INTL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>071813109</cusip><value>10825</value><shrsOrPrnAmt><sshPrnamt>280</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>280</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BECTON DICKINSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>075887109</cusip><value>46328</value><shrsOrPrnAmt><sshPrnamt>190</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>190</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>084670702</cusip><value>3169994</value><shrsOrPrnAmt><sshPrnamt>8888</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8888</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BEST BUY CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>086516101</cusip><value>2270</value><shrsOrPrnAmt><sshPrnamt>29</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>29</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BIO-TECHNE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09073M104</cusip><value>4167</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>BLACKROCK INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09247X101</cusip><value>2714659</value><shrsOrPrnAmt><sshPrnamt>3344</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3344</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLACKSTONE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09260D107</cusip><value>39276</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BOEING CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>097023105</cusip><value>41706</value><shrsOrPrnAmt><sshPrnamt>160</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>160</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09857L108</cusip><value>109964</value><shrsOrPrnAmt><sshPrnamt>31</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>31</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>110122108</cusip><value>1833204</value><shrsOrPrnAmt><sshPrnamt>35728</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>35728</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BROADCOM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>11135F101</cusip><value>152926</value><shrsOrPrnAmt><sshPrnamt>137</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>137</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CAPITAL ONE FINANCIAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14040H105</cusip><value>2622</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>CARDINAL HEALTH INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14149Y108</cusip><value>10080</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14448C104</cusip><value>38779</value><shrsOrPrnAmt><sshPrnamt>675</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>675</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>149123101</cusip><value>2319827</value><shrsOrPrnAmt><sshPrnamt>7846</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7846</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>808513105</cusip><value>46922</value><shrsOrPrnAmt><sshPrnamt>682</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>682</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHARTER COMMUNICATIONS INC CL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>16119P108</cusip><value>1166</value><shrsOrPrnAmt><sshPrnamt>3</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>166764100</cusip><value>986544</value><shrsOrPrnAmt><sshPrnamt>6614</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6614</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>17275R102</cusip><value>2645379</value><shrsOrPrnAmt><sshPrnamt>52363</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>52363</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CLOROX COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>189054109</cusip><value>70867</value><shrsOrPrnAmt><sshPrnamt>497</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>497</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CME GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>12572Q105</cusip><value>47385</value><shrsOrPrnAmt><sshPrnamt>225</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>225</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CMS ENERGY CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>125896100</cusip><value>7026</value><shrsOrPrnAmt><sshPrnamt>121</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>121</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COCA COLA CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>191216100</cusip><value>1697184</value><shrsOrPrnAmt><sshPrnamt>28800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>28800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>194162103</cusip><value>201507</value><shrsOrPrnAmt><sshPrnamt>2528</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2528</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMCAST CORP-CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20030N101</cusip><value>120807</value><shrsOrPrnAmt><sshPrnamt>2755</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2755</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20825C104</cusip><value>1566481</value><shrsOrPrnAmt><sshPrnamt>13496</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13496</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>209115104</cusip><value>94518</value><shrsOrPrnAmt><sshPrnamt>1039</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1039</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>21036P108</cusip><value>229663</value><shrsOrPrnAmt><sshPrnamt>950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>950</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION ENERGY CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>21037T109</cusip><value>3857</value><shrsOrPrnAmt><sshPrnamt>33</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>33</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTAR GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>22160N109</cusip><value>2272</value><shrsOrPrnAmt><sshPrnamt>26</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>26</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>22160K105</cusip><value>2701707</value><shrsOrPrnAmt><sshPrnamt>4093</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4093</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CSX CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>126408103</cusip><value>8737</value><shrsOrPrnAmt><sshPrnamt>252</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>252</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CUMMINS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>231021106</cusip><value>1398370</value><shrsOrPrnAmt><sshPrnamt>5837</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5837</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CVS HEALTH CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>126650100</cusip><value>9554</value><shrsOrPrnAmt><sshPrnamt>121</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>121</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>1633723</value><shrsOrPrnAmt><sshPrnamt>7062</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7062</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DEERE &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>244199105</cusip><value>126759</value><shrsOrPrnAmt><sshPrnamt>317</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>317</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DEVON ENERGY CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25179M103</cusip><value>4530</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>254687106</cusip><value>2248402</value><shrsOrPrnAmt><sshPrnamt>24902</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>24902</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOLLAR GENERAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>256677105</cusip><value>16586</value><shrsOrPrnAmt><sshPrnamt>122</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>122</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOLLAR TREE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>256746108</cusip><value>1804177</value><shrsOrPrnAmt><sshPrnamt>12701</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>12701</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25746U109</cusip><value>652971</value><shrsOrPrnAmt><sshPrnamt>13893</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13893</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOW INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>260557103</cusip><value>46230</value><shrsOrPrnAmt><sshPrnamt>843</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>843</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DTE ENERGY CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>233331107</cusip><value>3859</value><shrsOrPrnAmt><sshPrnamt>35</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>35</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26441C204</cusip><value>110140</value><shrsOrPrnAmt><sshPrnamt>1135</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1135</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26614N102</cusip><value>63313</value><shrsOrPrnAmt><sshPrnamt>823</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>823</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>277432100</cusip><value>712452</value><shrsOrPrnAmt><sshPrnamt>7932</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7932</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EBAY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278642103</cusip><value>17448</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ECOLAB INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278865100</cusip><value>421692</value><shrsOrPrnAmt><sshPrnamt>2126</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2126</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EDISON INTERNATIONAL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>281020107</cusip><value>25022</value><shrsOrPrnAmt><sshPrnamt>350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>350</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EMERSON ELEC CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>291011104</cusip><value>154365</value><shrsOrPrnAmt><sshPrnamt>1586</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1586</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EOG RES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26875P101</cusip><value>17538</value><shrsOrPrnAmt><sshPrnamt>145</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>145</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ESSENTIAL UTILITIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>29670G102</cusip><value>40413</value><shrsOrPrnAmt><sshPrnamt>1082</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1082</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EVANS BANCORP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>29911Q208</cusip><value>9459</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXELON CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30161N101</cusip><value>3590</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30231G102</cusip><value>2556989</value><shrsOrPrnAmt><sshPrnamt>25575</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>25575</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FACTSET RESEARCH SYSTEM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>303075105</cusip><value>24330</value><shrsOrPrnAmt><sshPrnamt>51</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>51</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FEDEX CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>31428X106</cusip><value>156841</value><shrsOrPrnAmt><sshPrnamt>620</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>620</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FIRST SOLAR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>336433107</cusip><value>3446</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>FIRSTENERGY CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>337932107</cusip><value>29365</value><shrsOrPrnAmt><sshPrnamt>801</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>801</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FISERV INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>337738108</cusip><value>308853</value><shrsOrPrnAmt><sshPrnamt>2325</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2325</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FLUSHING FINANCIAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>343873105</cusip><value>16480</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>FORD MOTOR CO DEL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>345370860</cusip><value>127995</value><shrsOrPrnAmt><sshPrnamt>10500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FORTREA HLDGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>34965K107</cusip><value>3839</value><shrsOrPrnAmt><sshPrnamt>110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>110</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GE HEALTHCARE TECHNOLOGIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>36266G107</cusip><value>49253</value><shrsOrPrnAmt><sshPrnamt>637</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>637</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>369550108</cusip><value>1614888</value><shrsOrPrnAmt><sshPrnamt>6219</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6219</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>369604301</cusip><value>257557</value><shrsOrPrnAmt><sshPrnamt>2018</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2018</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL MLS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>370334104</cusip><value>167670</value><shrsOrPrnAmt><sshPrnamt>2574</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2574</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENUINE PARTS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>372460105</cusip><value>29085</value><shrsOrPrnAmt><sshPrnamt>210</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>210</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>375558103</cusip><value>84979</value><shrsOrPrnAmt><sshPrnamt>1049</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1049</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>38141G104</cusip><value>133862</value><shrsOrPrnAmt><sshPrnamt>347</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>347</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GRACO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>384109104</cusip><value>2516</value><shrsOrPrnAmt><sshPrnamt>29</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>29</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GRAINGER W W INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>384802104</cusip><value>52207</value><shrsOrPrnAmt><sshPrnamt>63</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>63</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GREENLANE HOLDINGS INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>395330301</cusip><value>6</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>HARLEY DAVIDSON INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>412822108</cusip><value>7368</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HOME DEPOT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>437076102</cusip><value>3868884</value><shrsOrPrnAmt><sshPrnamt>11164</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>11164</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>438516106</cusip><value>2338267</value><shrsOrPrnAmt><sshPrnamt>11150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>11150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>IDACORP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>451107106</cusip><value>22810</value><shrsOrPrnAmt><sshPrnamt>232</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>232</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>452308109</cusip><value>115254</value><shrsOrPrnAmt><sshPrnamt>440</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>440</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45687V106</cusip><value>621350</value><shrsOrPrnAmt><sshPrnamt>8034</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8034</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>458140100</cusip><value>491043</value><shrsOrPrnAmt><sshPrnamt>9772</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9772</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE GROU</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45866F104</cusip><value>2556656</value><shrsOrPrnAmt><sshPrnamt>19907</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>19907</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERNATIONAL FLAVORS &amp; FRAGRA</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459506101</cusip><value>36517</value><shrsOrPrnAmt><sshPrnamt>451</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>451</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459200101</cusip><value>233549</value><shrsOrPrnAmt><sshPrnamt>1428</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1428</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46120E602</cusip><value>4386</value><shrsOrPrnAmt><sshPrnamt>13</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JACK HENRY &amp; ASSOC INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>426281101</cusip><value>19609</value><shrsOrPrnAmt><sshPrnamt>120</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>120</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46982L108</cusip><value>68145</value><shrsOrPrnAmt><sshPrnamt>525</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>525</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>478160104</cusip><value>2811289</value><shrsOrPrnAmt><sshPrnamt>17936</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>17936</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>3639630</value><shrsOrPrnAmt><sshPrnamt>21397</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>21397</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KELLANOVA</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>487836108</cusip><value>5591</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KEYCORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>493267108</cusip><value>15221</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>KIMBERLY CLARK CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>494368103</cusip><value>25760</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>KNIFE RIVER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>498894104</cusip><value>9927</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>LABORATORY CORP OF AMERICA HOL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>50540R409</cusip><value>25002</value><shrsOrPrnAmt><sshPrnamt>110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>110</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>532457108</cusip><value>1497521</value><shrsOrPrnAmt><sshPrnamt>2569</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2569</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LITTELFUSE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>537008104</cusip><value>4013</value><shrsOrPrnAmt><sshPrnamt>15</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>15</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>539830109</cusip><value>156821</value><shrsOrPrnAmt><sshPrnamt>346</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>346</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LOWES COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>548661107</cusip><value>968538</value><shrsOrPrnAmt><sshPrnamt>4352</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4352</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MANITOWOC CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>563571405</cusip><value>3338</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>571903202</cusip><value>6991</value><shrsOrPrnAmt><sshPrnamt>31</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>31</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>573874104</cusip><value>586274</value><shrsOrPrnAmt><sshPrnamt>9721</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9721</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>574599106</cusip><value>1540540</value><shrsOrPrnAmt><sshPrnamt>23000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>23000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>57636Q104</cusip><value>1567424</value><shrsOrPrnAmt><sshPrnamt>3675</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3675</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MATSON INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>57686G105</cusip><value>10960</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>MCCORMICK &amp; CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>579780206</cusip><value>77383</value><shrsOrPrnAmt><sshPrnamt>1131</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1131</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>580135101</cusip><value>2416260</value><shrsOrPrnAmt><sshPrnamt>8149</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8149</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>58933Y105</cusip><value>503563</value><shrsOrPrnAmt><sshPrnamt>4619</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4619</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>2338614</value><shrsOrPrnAmt><sshPrnamt>6607</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6607</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>METLIFE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>59156R108</cusip><value>23873</value><shrsOrPrnAmt><sshPrnamt>361</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>361</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>594918104</cusip><value>11360168</value><shrsOrPrnAmt><sshPrnamt>30210</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>30210</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>609207105</cusip><value>26437</value><shrsOrPrnAmt><sshPrnamt>365</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>365</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MONSTER BEVERAGE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>61174X109</cusip><value>54730</value><shrsOrPrnAmt><sshPrnamt>950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>950</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MORGAN STANLEY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>617446448</cusip><value>1108743</value><shrsOrPrnAmt><sshPrnamt>11890</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>11890</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NBT BANCORP INC COM</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>628778102</cusip><value>15297</value><shrsOrPrnAmt><sshPrnamt>365</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>365</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NETFLIX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>64110L106</cusip><value>1560450</value><shrsOrPrnAmt><sshPrnamt>3205</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3205</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>65339F101</cusip><value>424330</value><shrsOrPrnAmt><sshPrnamt>6986</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6986</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>654106103</cusip><value>142227</value><shrsOrPrnAmt><sshPrnamt>1310</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1310</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>655844108</cusip><value>79896</value><shrsOrPrnAmt><sshPrnamt>338</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>338</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NORTHROP GRUMMAN CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>666807102</cusip><value>38387</value><shrsOrPrnAmt><sshPrnamt>82</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>82</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NUCOR CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>670346105</cusip><value>6091</value><shrsOrPrnAmt><sshPrnamt>35</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>35</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NVIDIA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>67066G104</cusip><value>5198820</value><shrsOrPrnAmt><sshPrnamt>10498</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10498</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>674599105</cusip><value>1493</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>ORACLE CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68389X105</cusip><value>3680245</value><shrsOrPrnAmt><sshPrnamt>34907</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>34907</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORGANON &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68622V106</cusip><value>43</value><shrsOrPrnAmt><sshPrnamt>3</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PACKAGING CORP OF AMERICA</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>695156109</cusip><value>13847</value><shrsOrPrnAmt><sshPrnamt>85</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>85</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>697435105</cusip><value>507194</value><shrsOrPrnAmt><sshPrnamt>1720</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1720</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYCHEX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>704326107</cusip><value>876530</value><shrsOrPrnAmt><sshPrnamt>7359</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7359</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>70450Y103</cusip><value>252272</value><shrsOrPrnAmt><sshPrnamt>4108</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4108</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PENN ENTERTAINMENT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>707569109</cusip><value>39941</value><shrsOrPrnAmt><sshPrnamt>1535</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1535</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>713448108</cusip><value>1386744</value><shrsOrPrnAmt><sshPrnamt>8165</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8165</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>717081103</cusip><value>884400</value><shrsOrPrnAmt><sshPrnamt>30719</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>30719</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>718172109</cusip><value>358727</value><shrsOrPrnAmt><sshPrnamt>3813</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3813</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>718546104</cusip><value>19039</value><shrsOrPrnAmt><sshPrnamt>143</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>143</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PLUG POWER INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>72919P202</cusip><value>3150</value><shrsOrPrnAmt><sshPrnamt>700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>700</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>742718109</cusip><value>2534409</value><shrsOrPrnAmt><sshPrnamt>17295</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>17295</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>744320102</cusip><value>34224</value><shrsOrPrnAmt><sshPrnamt>330</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>330</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUALCOMM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>747525103</cusip><value>1429812</value><shrsOrPrnAmt><sshPrnamt>9886</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9886</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROKU INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>77543R102</cusip><value>9166</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>776696106</cusip><value>47430</value><shrsOrPrnAmt><sshPrnamt>87</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>87</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROSS STORES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>778296103</cusip><value>34459</value><shrsOrPrnAmt><sshPrnamt>249</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>249</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>75513E101</cusip><value>182500</value><shrsOrPrnAmt><sshPrnamt>2169</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2169</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RYDER SYSTEM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>783549108</cusip><value>11506</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>S&amp;P GLOBAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>78409V104</cusip><value>51981</value><shrsOrPrnAmt><sshPrnamt>118</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>118</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>79466L302</cusip><value>3671592</value><shrsOrPrnAmt><sshPrnamt>13953</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13953</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SERVICENOW INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>81762P102</cusip><value>5652</value><shrsOrPrnAmt><sshPrnamt>8</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>824348106</cusip><value>173105</value><shrsOrPrnAmt><sshPrnamt>555</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>555</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SIMON PROPERTY GROUP INC REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>828806109</cusip><value>4850</value><shrsOrPrnAmt><sshPrnamt>34</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>34</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SIRIUS XM HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>82968B103</cusip><value>5470</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>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>82982L103</cusip><value>3413</value><shrsOrPrnAmt><sshPrnamt>21</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>21</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SITIME CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>82982T106</cusip><value>1587</value><shrsOrPrnAmt><sshPrnamt>13</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SMITH A O CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>831865209</cusip><value>32152</value><shrsOrPrnAmt><sshPrnamt>390</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>390</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SNOWFLAKE INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>833445109</cusip><value>609935</value><shrsOrPrnAmt><sshPrnamt>3065</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3065</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOLAREDGE TECHNOLOGIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>83417M104</cusip><value>1404</value><shrsOrPrnAmt><sshPrnamt>15</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>15</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>842587107</cusip><value>39337</value><shrsOrPrnAmt><sshPrnamt>561</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>561</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHWEST AIRLINES CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>844741108</cusip><value>7942</value><shrsOrPrnAmt><sshPrnamt>275</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>275</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STARBUCKS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>855244109</cusip><value>1490075</value><shrsOrPrnAmt><sshPrnamt>15520</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>15520</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>2395381</value><shrsOrPrnAmt><sshPrnamt>7999</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7999</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>871829107</cusip><value>870905</value><shrsOrPrnAmt><sshPrnamt>11909</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>11909</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>181996</value><shrsOrPrnAmt><sshPrnamt>1690</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1690</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T-MOBILE US INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872590104</cusip><value>568370</value><shrsOrPrnAmt><sshPrnamt>3545</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3545</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TARGET CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>87612E106</cusip><value>23642</value><shrsOrPrnAmt><sshPrnamt>166</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>166</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TELEDYNE TECHNOLOGIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>879360105</cusip><value>1785</value><shrsOrPrnAmt><sshPrnamt>4</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TERADYNE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>880770102</cusip><value>629199</value><shrsOrPrnAmt><sshPrnamt>5798</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5798</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88160R101</cusip><value>445773</value><shrsOrPrnAmt><sshPrnamt>1794</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1794</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>882508104</cusip><value>695477</value><shrsOrPrnAmt><sshPrnamt>4080</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4080</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>883556102</cusip><value>2537707</value><shrsOrPrnAmt><sshPrnamt>4781</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4781</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>1994401</value><shrsOrPrnAmt><sshPrnamt>21260</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>21260</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TOMPKINS FINANCIAL CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>890110109</cusip><value>32524</value><shrsOrPrnAmt><sshPrnamt>540</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>540</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRANSMEDICS GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>89377M109</cusip><value>4736</value><shrsOrPrnAmt><sshPrnamt>60</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>60</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>89417E109</cusip><value>1715172</value><shrsOrPrnAmt><sshPrnamt>9004</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9004</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRUIST FINANCIAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>89832Q109</cusip><value>51688</value><shrsOrPrnAmt><sshPrnamt>1400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRUSTCO BANK CORP NY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>898349204</cusip><value>1335</value><shrsOrPrnAmt><sshPrnamt>43</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>43</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TYLER TECHNOLOGIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>902252105</cusip><value>3763</value><shrsOrPrnAmt><sshPrnamt>9</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>90353T100</cusip><value>3017</value><shrsOrPrnAmt><sshPrnamt>49</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>49</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>907818108</cusip><value>1992715</value><shrsOrPrnAmt><sshPrnamt>8113</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8113</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>137891</value><shrsOrPrnAmt><sshPrnamt>877</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>877</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>91324P102</cusip><value>2474935</value><shrsOrPrnAmt><sshPrnamt>4701</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4701</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>US BANCORP NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>902973304</cusip><value>362773</value><shrsOrPrnAmt><sshPrnamt>8382</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8382</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERALTO CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92338C103</cusip><value>6828</value><shrsOrPrnAmt><sshPrnamt>83</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>83</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92343V104</cusip><value>269065</value><shrsOrPrnAmt><sshPrnamt>7137</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7137</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92532F100</cusip><value>571680</value><shrsOrPrnAmt><sshPrnamt>1405</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1405</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VIATRIS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92556V106</cusip><value>422</value><shrsOrPrnAmt><sshPrnamt>39</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>39</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VIRGIN GALACTIC HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92766K106</cusip><value>2590</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>3320244</value><shrsOrPrnAmt><sshPrnamt>12753</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>12753</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VULCAN MATERIALS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>929160109</cusip><value>180473</value><shrsOrPrnAmt><sshPrnamt>795</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>795</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WABTEC CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>929740108</cusip><value>19035</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>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>931427108</cusip><value>2611</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>WALMART INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>931142103</cusip><value>1609607</value><shrsOrPrnAmt><sshPrnamt>10210</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10210</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>182</value><shrsOrPrnAmt><sshPrnamt>16</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>16</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>94106L109</cusip><value>43700</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>21043</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>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>949746101</cusip><value>252794</value><shrsOrPrnAmt><sshPrnamt>5136</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5136</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WENDY'S CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>95058W100</cusip><value>13052</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>1564041</value><shrsOrPrnAmt><sshPrnamt>44905</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>44905</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WK KELLOGG CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92942W107</cusip><value>329</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>YUM CHINA HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>98850P109</cusip><value>21215</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>1606726</value><shrsOrPrnAmt><sshPrnamt>12297</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>12297</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>98956P102</cusip><value>73385</value><shrsOrPrnAmt><sshPrnamt>603</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>603</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ZOETIS INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>98978V103</cusip><value>1974</value><shrsOrPrnAmt><sshPrnamt>10</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ZSCALER INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>98980G102</cusip><value>4431</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>3M CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88579Y101</cusip><value>219624</value><shrsOrPrnAmt><sshPrnamt>2009</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2009</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>055622104</cusip><value>75119</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>COMPASS PATHWAYS LTD SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20451W101</cusip><value>875</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>RIO TINTO PLC SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>767204100</cusip><value>44676</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>40370</value><shrsOrPrnAmt><sshPrnamt>187</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>187</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LXP INDUSTRIAL TRUST REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>529043101</cusip><value>14880</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>3825</value><shrsOrPrnAmt><sshPrnamt>110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>110</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ARROW FINANCIAL CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>042744102</cusip><value>47058783</value><shrsOrPrnAmt><sshPrnamt>1684280</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1684280</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ACCENTURE PLC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G1151C101</cusip><value>78604</value><shrsOrPrnAmt><sshPrnamt>224</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>224</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BARRICK GOLD CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>067901108</cusip><value>19899</value><shrsOrPrnAmt><sshPrnamt>1100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BIRKENSTOCK HOLDING PLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>M2029K104</cusip><value>4873</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>CHECK POINT SOFTWARE TECH LTD</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>M22465104</cusip><value>24446</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>33715</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>64836</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>46965</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>LINDE PLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G54950103</cusip><value>10268</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>LITHIUM AMERICAS ARGENTINA C</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>53681K100</cusip><value>632</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>LITHIUM AMERICAS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>53681J103</cusip><value>640</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>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>N53745100</cusip><value>802095</value><shrsOrPrnAmt><sshPrnamt>8436</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8436</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MANULIFE FINANCIAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>56501R106</cusip><value>5216</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>63927</value><shrsOrPrnAmt><sshPrnamt>776</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>776</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MIND MEDICINE MINDMED INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>60255C885</cusip><value>242</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>16876</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>10113</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>19983</value><shrsOrPrnAmt><sshPrnamt>384</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>384</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHOPIFY INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>82509L107</cusip><value>28044</value><shrsOrPrnAmt><sshPrnamt>360</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>360</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THOMSON REUTERS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>884903808</cusip><value>12575</value><shrsOrPrnAmt><sshPrnamt>86</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>86</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TORONTO DOMINION BANK</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>891160509</cusip><value>89822</value><shrsOrPrnAmt><sshPrnamt>1390</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1390</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMM. SERV. SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y852</cusip><value>15985</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>316494</value><shrsOrPrnAmt><sshPrnamt>1770</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1770</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS STAPLES SELECT SECT SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y308</cusip><value>91550</value><shrsOrPrnAmt><sshPrnamt>1271</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1271</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DIMENSIONAL US CORE EQUITY 2</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>25434V708</cusip><value>154714</value><shrsOrPrnAmt><sshPrnamt>5293</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5293</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DIMENSIONAL US EQUITY ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>25434V401</cusip><value>76916</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>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y506</cusip><value>167764</value><shrsOrPrnAmt><sshPrnamt>2001</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2001</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FINANCIAL SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y605</cusip><value>546478</value><shrsOrPrnAmt><sshPrnamt>14534</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>14534</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GABELLI DIVIDEND &amp; INCOME TRUS</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>36242H104</cusip><value>32135</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>460283</value><shrsOrPrnAmt><sshPrnamt>3375</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3375</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y704</cusip><value>307431</value><shrsOrPrnAmt><sshPrnamt>2697</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2697</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INVESCO QQQ TRUST SERIES 1</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46090E103</cusip><value>35422251</value><shrsOrPrnAmt><sshPrnamt>86497</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>86497</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>26960710</value><shrsOrPrnAmt><sshPrnamt>423511</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>423511</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE MSCI EAFE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46432F842</cusip><value>41718</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>48207194</value><shrsOrPrnAmt><sshPrnamt>173939</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>173939</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>50344910</value><shrsOrPrnAmt><sshPrnamt>465080</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>465080</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>6209</value><shrsOrPrnAmt><sshPrnamt>13</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><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>238165</value><shrsOrPrnAmt><sshPrnamt>3064</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3064</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES SILVER TRUST</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46428Q109</cusip><value>82437</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>30752</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>1150941</value><shrsOrPrnAmt><sshPrnamt>13455</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13455</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REAL ESTATE SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y860</cusip><value>2964</value><shrsOrPrnAmt><sshPrnamt>74</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>74</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78463V107</cusip><value>267447</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>397972</value><shrsOrPrnAmt><sshPrnamt>6117</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6117</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>49081013</value><shrsOrPrnAmt><sshPrnamt>1052563</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1052563</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>128578</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>56977</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>12685</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>2081</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>6764137</value><shrsOrPrnAmt><sshPrnamt>14231</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>14231</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y803</cusip><value>994929</value><shrsOrPrnAmt><sshPrnamt>5169</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5169</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y886</cusip><value>753247</value><shrsOrPrnAmt><sshPrnamt>11894</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>11894</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANECK BIOTECH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92189F726</cusip><value>41328</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>39135</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>32708</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 GROWTH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908736</cusip><value>172849</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>10028</value><shrsOrPrnAmt><sshPrnamt>40</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>40</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD INFO TECH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92204A702</cusip><value>32912</value><shrsOrPrnAmt><sshPrnamt>68</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>68</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908629</cusip><value>27705796</value><shrsOrPrnAmt><sshPrnamt>119093</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>119093</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908553</cusip><value>329141</value><shrsOrPrnAmt><sshPrnamt>3725</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3725</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>83182445</value><shrsOrPrnAmt><sshPrnamt>190436</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>190436</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>12984970</value><shrsOrPrnAmt><sshPrnamt>60868</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>60868</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>121747</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>6631687</value><shrsOrPrnAmt><sshPrnamt>66818</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>66818</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>469526</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 2024 MUNI E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U697</cusip><value>237130</value><shrsOrPrnAmt><sshPrnamt>9145</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9145</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>10873663</value><shrsOrPrnAmt><sshPrnamt>436518</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>436518</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>10954393</value><shrsOrPrnAmt><sshPrnamt>442423</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>442423</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>239497</value><shrsOrPrnAmt><sshPrnamt>9388</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9388</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>11141702</value><shrsOrPrnAmt><sshPrnamt>466180</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>466180</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>10923423</value><shrsOrPrnAmt><sshPrnamt>456474</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>456474</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>11161437</value><shrsOrPrnAmt><sshPrnamt>444856</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>444856</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2028 TERM M</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U325</cusip><value>240162</value><shrsOrPrnAmt><sshPrnamt>9385</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9385</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>11321210</value><shrsOrPrnAmt><sshPrnamt>490733</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>490733</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>11434706</value><shrsOrPrnAmt><sshPrnamt>528406</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>528406</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>11600170</value><shrsOrPrnAmt><sshPrnamt>558506</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>558506</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>11777414</value><shrsOrPrnAmt><sshPrnamt>466802</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>466802</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2033 CORP</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E130</cusip><value>5389027</value><shrsOrPrnAmt><sshPrnamt>208473</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>208473</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>26036955</value><shrsOrPrnAmt><sshPrnamt>1121799</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1121799</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS 2025 H/Y INC ET</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U168</cusip><value>223192</value><shrsOrPrnAmt><sshPrnamt>9662</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9662</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>1488154</value><shrsOrPrnAmt><sshPrnamt>29023</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>29023</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES 10-20 YEAR TREASURY BO</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288653</cusip><value>22597543</value><shrsOrPrnAmt><sshPrnamt>208734</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>208734</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>113712</value><shrsOrPrnAmt><sshPrnamt>1150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR BLOOMBERG 1-3 MONTH T-BIL</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78468R663</cusip><value>1371</value><shrsOrPrnAmt><sshPrnamt>15</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>15</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SHORT TERM CORP BOND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92206C409</cusip><value>8080523</value><shrsOrPrnAmt><sshPrnamt>104440</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>104440</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>921937835</cusip><value>1191289</value><shrsOrPrnAmt><sshPrnamt>16197</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>16197</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2025 MUNI E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U432</cusip><value>237472</value><shrsOrPrnAmt><sshPrnamt>8946</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8946</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>240273</value><shrsOrPrnAmt><sshPrnamt>9454</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9454</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES NATIONAL MUNI BOND ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288414</cusip><value>1332467</value><shrsOrPrnAmt><sshPrnamt>12291</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>12291</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>4580017</value><shrsOrPrnAmt><sshPrnamt>84674</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>84674</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBOTT LABS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>002824100</cusip><value>59108</value><shrsOrPrnAmt><sshPrnamt>537</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>537</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBVIE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00287Y109</cusip><value>201461</value><shrsOrPrnAmt><sshPrnamt>1300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1300</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00724F101</cusip><value>146167</value><shrsOrPrnAmt><sshPrnamt>245</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>245</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K305</cusip><value>798328</value><shrsOrPrnAmt><sshPrnamt>5715</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5715</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL C</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K107</cusip><value>154318</value><shrsOrPrnAmt><sshPrnamt>1095</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1095</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMAZON.COM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>023135106</cusip><value>360098</value><shrsOrPrnAmt><sshPrnamt>2370</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2370</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>025816109</cusip><value>187340</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>AMERICAN WATER WORKS CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>030420103</cusip><value>36825</value><shrsOrPrnAmt><sshPrnamt>279</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>279</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>72005</value><shrsOrPrnAmt><sshPrnamt>250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>250</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMPHENOL CORP CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032095101</cusip><value>33506</value><shrsOrPrnAmt><sshPrnamt>338</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>338</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>037833100</cusip><value>1415288</value><shrsOrPrnAmt><sshPrnamt>7351</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>7351</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AT&amp;T INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00206R102</cusip><value>31647</value><shrsOrPrnAmt><sshPrnamt>1886</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1886</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>053015103</cusip><value>623195</value><shrsOrPrnAmt><sshPrnamt>2675</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2675</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>060505104</cusip><value>138047</value><shrsOrPrnAmt><sshPrnamt>4100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4100</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF NEW YORK MELLON CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>064058100</cusip><value>31230</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>BAXTER INTL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>071813109</cusip><value>64756</value><shrsOrPrnAmt><sshPrnamt>1675</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1675</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BECTON DICKINSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>075887109</cusip><value>35355</value><shrsOrPrnAmt><sshPrnamt>145</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>145</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>084670702</cusip><value>351310</value><shrsOrPrnAmt><sshPrnamt>985</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>985</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09247X101</cusip><value>182655</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>BRISTOL MYERS SQUIBB CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>110122108</cusip><value>104775</value><shrsOrPrnAmt><sshPrnamt>2042</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2042</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14149Y108</cusip><value>20160</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>200</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14448C104</cusip><value>274037</value><shrsOrPrnAmt><sshPrnamt>4770</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4770</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>149123101</cusip><value>323759</value><shrsOrPrnAmt><sshPrnamt>1095</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1095</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>166764100</cusip><value>298171</value><shrsOrPrnAmt><sshPrnamt>1999</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1999</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>17275R102</cusip><value>79417</value><shrsOrPrnAmt><sshPrnamt>1572</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1572</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CLOROX COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>189054109</cusip><value>14259</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>100</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COCA COLA CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>191216100</cusip><value>101006</value><shrsOrPrnAmt><sshPrnamt>1714</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1714</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>194162103</cusip><value>453311</value><shrsOrPrnAmt><sshPrnamt>5687</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5687</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20825C104</cusip><value>139980</value><shrsOrPrnAmt><sshPrnamt>1206</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1206</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>21036P108</cusip><value>154478</value><shrsOrPrnAmt><sshPrnamt>639</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>639</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>22160K105</cusip><value>36304</value><shrsOrPrnAmt><sshPrnamt>55</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>55</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CUMMINS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>231021106</cusip><value>44320</value><shrsOrPrnAmt><sshPrnamt>185</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>185</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CVS HEALTH CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>126650100</cusip><value>30794</value><shrsOrPrnAmt><sshPrnamt>390</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>390</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>29843</value><shrsOrPrnAmt><sshPrnamt>129</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>129</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>254687106</cusip><value>147353</value><shrsOrPrnAmt><sshPrnamt>1632</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1632</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOLLAR TREE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>256746108</cusip><value>24859</value><shrsOrPrnAmt><sshPrnamt>175</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>175</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25746U109</cusip><value>24205</value><shrsOrPrnAmt><sshPrnamt>515</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>515</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOW INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>260557103</cusip><value>1810</value><shrsOrPrnAmt><sshPrnamt>33</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>33</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DTE ENERGY CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>233331107</cusip><value>31424</value><shrsOrPrnAmt><sshPrnamt>285</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>285</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26441C204</cusip><value>40466</value><shrsOrPrnAmt><sshPrnamt>417</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>417</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ECOLAB INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278865100</cusip><value>178515</value><shrsOrPrnAmt><sshPrnamt>900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>900</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EMBECTA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>29082K105</cusip><value>549</value><shrsOrPrnAmt><sshPrnamt>29</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>29</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EMERSON ELEC CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>291011104</cusip><value>264738</value><shrsOrPrnAmt><sshPrnamt>2720</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2720</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EOG RES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26875P101</cusip><value>4233</value><shrsOrPrnAmt><sshPrnamt>35</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>35</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30231G102</cusip><value>785843</value><shrsOrPrnAmt><sshPrnamt>7860</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>7860</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>369550108</cusip><value>38951</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>GILEAD SCIENCES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>375558103</cusip><value>8911</value><shrsOrPrnAmt><sshPrnamt>110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>110</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>38141G104</cusip><value>9644</value><shrsOrPrnAmt><sshPrnamt>25</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>25</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HOME DEPOT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>437076102</cusip><value>551361</value><shrsOrPrnAmt><sshPrnamt>1591</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1591</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>438516106</cusip><value>152669</value><shrsOrPrnAmt><sshPrnamt>728</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>728</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45687V106</cusip><value>22119</value><shrsOrPrnAmt><sshPrnamt>286</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>286</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>458140100</cusip><value>127635</value><shrsOrPrnAmt><sshPrnamt>2540</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2540</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE GROU</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45866F104</cusip><value>105184</value><shrsOrPrnAmt><sshPrnamt>819</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>819</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459200101</cusip><value>649784</value><shrsOrPrnAmt><sshPrnamt>3973</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3973</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTUIT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>461202103</cusip><value>468773</value><shrsOrPrnAmt><sshPrnamt>750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>750</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46982L108</cusip><value>59708</value><shrsOrPrnAmt><sshPrnamt>460</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>460</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>478160104</cusip><value>918967</value><shrsOrPrnAmt><sshPrnamt>5863</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5863</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46625H100</cusip><value>1103099</value><shrsOrPrnAmt><sshPrnamt>6485</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6485</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KELLANOVA</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>487836108</cusip><value>50319</value><shrsOrPrnAmt><sshPrnamt>900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>900</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>500754106</cusip><value>1220</value><shrsOrPrnAmt><sshPrnamt>33</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>33</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>532457108</cusip><value>947245</value><shrsOrPrnAmt><sshPrnamt>1625</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1625</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LOWES COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>548661107</cusip><value>162462</value><shrsOrPrnAmt><sshPrnamt>730</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>730</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>573874104</cusip><value>60612</value><shrsOrPrnAmt><sshPrnamt>1005</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1005</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>574599106</cusip><value>29538</value><shrsOrPrnAmt><sshPrnamt>441</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>441</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>57636Q104</cusip><value>38386</value><shrsOrPrnAmt><sshPrnamt>90</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>90</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>580135101</cusip><value>105854</value><shrsOrPrnAmt><sshPrnamt>357</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>357</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>58933Y105</cusip><value>343958</value><shrsOrPrnAmt><sshPrnamt>3155</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3155</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>META PLATFORMS INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30303M102</cusip><value>127072</value><shrsOrPrnAmt><sshPrnamt>359</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>359</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>594918104</cusip><value>1999029</value><shrsOrPrnAmt><sshPrnamt>5316</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5316</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MORGAN STANLEY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>617446448</cusip><value>186500</value><shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2000</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NETFLIX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>64110L106</cusip><value>114417</value><shrsOrPrnAmt><sshPrnamt>235</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>235</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>65339F101</cusip><value>137272</value><shrsOrPrnAmt><sshPrnamt>2260</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2260</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>654106103</cusip><value>249711</value><shrsOrPrnAmt><sshPrnamt>2300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2300</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>655844108</cusip><value>100462</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>NVIDIA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>67066G104</cusip><value>587826</value><shrsOrPrnAmt><sshPrnamt>1187</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1187</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>674599105</cusip><value>33258</value><shrsOrPrnAmt><sshPrnamt>557</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>557</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORACLE CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68389X105</cusip><value>560888</value><shrsOrPrnAmt><sshPrnamt>5320</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5320</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORGANON &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68622V106</cusip><value>202</value><shrsOrPrnAmt><sshPrnamt>14</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>14</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68902V107</cusip><value>188692</value><shrsOrPrnAmt><sshPrnamt>2109</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2109</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>697435105</cusip><value>10911</value><shrsOrPrnAmt><sshPrnamt>37</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>37</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PARAMOUNT GLOBAL CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92556H206</cusip><value>11477</value><shrsOrPrnAmt><sshPrnamt>776</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>776</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYCHEX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>704326107</cusip><value>125542</value><shrsOrPrnAmt><sshPrnamt>1054</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1054</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>70450Y103</cusip><value>17011</value><shrsOrPrnAmt><sshPrnamt>277</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>277</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>713448108</cusip><value>535166</value><shrsOrPrnAmt><sshPrnamt>3151</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3151</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>717081103</cusip><value>298639</value><shrsOrPrnAmt><sshPrnamt>10373</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10373</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>718546104</cusip><value>4260</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>482996</value><shrsOrPrnAmt><sshPrnamt>3296</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3296</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUALCOMM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>747525103</cusip><value>31819</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>68940</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>RTX CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>75513E101</cusip><value>443586</value><shrsOrPrnAmt><sshPrnamt>5272</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5272</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RUMBLE INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>78137L105</cusip><value>4490</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>238668</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>SNOWFLAKE INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>833445109</cusip><value>60098</value><shrsOrPrnAmt><sshPrnamt>302</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>302</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>842587107</cusip><value>21036</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>STARBUCKS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>855244109</cusip><value>192980</value><shrsOrPrnAmt><sshPrnamt>2010</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2010</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>366839</value><shrsOrPrnAmt><sshPrnamt>1225</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1225</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>871829107</cusip><value>21939</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>94229</value><shrsOrPrnAmt><sshPrnamt>875</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>875</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TERADYNE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>880770102</cusip><value>20076</value><shrsOrPrnAmt><sshPrnamt>185</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>185</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88160R101</cusip><value>54169</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>THERMO FISHER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>883556102</cusip><value>175161</value><shrsOrPrnAmt><sshPrnamt>330</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>330</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>196532</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>22859</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>UNION PAC CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>907818108</cusip><value>121582</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>86477</value><shrsOrPrnAmt><sshPrnamt>550</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>550</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>91324P102</cusip><value>165838</value><shrsOrPrnAmt><sshPrnamt>315</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>315</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>US BANCORP NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>902973304</cusip><value>73576</value><shrsOrPrnAmt><sshPrnamt>1700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1700</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERALTO CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92338C103</cusip><value>3455</value><shrsOrPrnAmt><sshPrnamt>42</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>42</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92343V104</cusip><value>100320</value><shrsOrPrnAmt><sshPrnamt>2661</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2661</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92532F100</cusip><value>144446</value><shrsOrPrnAmt><sshPrnamt>355</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>355</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VIATRIS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92556V106</cusip><value>11761</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>350952</value><shrsOrPrnAmt><sshPrnamt>1348</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1348</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>931142103</cusip><value>100108</value><shrsOrPrnAmt><sshPrnamt>635</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>635</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WARNER BROS DISCOVERY INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>934423104</cusip><value>3892</value><shrsOrPrnAmt><sshPrnamt>342</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>342</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>949746101</cusip><value>45529</value><shrsOrPrnAmt><sshPrnamt>925</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>925</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WILLIAMS COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>969457100</cusip><value>62206</value><shrsOrPrnAmt><sshPrnamt>1786</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1786</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WK KELLOGG CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92942W107</cusip><value>2957</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>YUM! BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>988498101</cusip><value>17639</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>18255</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>195136</value><shrsOrPrnAmt><sshPrnamt>1785</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1785</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ARROW FINANCIAL CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>042744102</cusip><value>624655</value><shrsOrPrnAmt><sshPrnamt>22357</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>22357</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EATON CORP PLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G29183103</cusip><value>120410</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>112945</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>12360</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>24714</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>SCHLUMBERGER LTD</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>806857108</cusip><value>11189</value><shrsOrPrnAmt><sshPrnamt>215</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>215</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TORONTO DOMINION BANK</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>891160509</cusip><value>134668</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>475560</value><shrsOrPrnAmt><sshPrnamt>6545</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6545</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS DISC SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y407</cusip><value>592398</value><shrsOrPrnAmt><sshPrnamt>3313</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3313</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS STAPLES SELECT SECT SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y308</cusip><value>392059</value><shrsOrPrnAmt><sshPrnamt>5443</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5443</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y506</cusip><value>210438</value><shrsOrPrnAmt><sshPrnamt>2510</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2510</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FINANCIAL SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y605</cusip><value>741359</value><shrsOrPrnAmt><sshPrnamt>19717</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>19717</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y209</cusip><value>710131</value><shrsOrPrnAmt><sshPrnamt>5207</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5207</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y704</cusip><value>462571</value><shrsOrPrnAmt><sshPrnamt>4058</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4058</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INVESCO QQQ TRUST SERIES 1</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46090E103</cusip><value>145789</value><shrsOrPrnAmt><sshPrnamt>356</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>356</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE MSCI DEV MKTS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435G326</cusip><value>777989</value><shrsOrPrnAmt><sshPrnamt>12221</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>12221</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287507</cusip><value>343112</value><shrsOrPrnAmt><sshPrnamt>1238</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1238</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287804</cusip><value>1172889</value><shrsOrPrnAmt><sshPrnamt>10835</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10835</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES MSCI ALL COUNTRY ASIA</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288182</cusip><value>3062</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>15923</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>MATERIALS SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y100</cusip><value>282881</value><shrsOrPrnAmt><sshPrnamt>3307</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3307</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 VALUE E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A508</cusip><value>119140</value><shrsOrPrnAmt><sshPrnamt>2555</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2555</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P BIOTECH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A870</cusip><value>7768</value><shrsOrPrnAmt><sshPrnamt>87</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>87</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P TELECOM ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A540</cusip><value>5599</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>161605</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>1618372</value><shrsOrPrnAmt><sshPrnamt>8408</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>8408</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y886</cusip><value>134576</value><shrsOrPrnAmt><sshPrnamt>2125</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2125</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908629</cusip><value>3048515</value><shrsOrPrnAmt><sshPrnamt>13104</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>13104</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908553</cusip><value>174953</value><shrsOrPrnAmt><sshPrnamt>1980</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1980</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908363</cusip><value>1056619</value><shrsOrPrnAmt><sshPrnamt>2419</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2419</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>1262274</value><shrsOrPrnAmt><sshPrnamt>5917</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5917</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR TR E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287457</cusip><value>123060</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 IBONDS DEC 2024 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBG4</cusip><value>297973</value><shrsOrPrnAmt><sshPrnamt>11962</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>11962</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2025 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBD1</cusip><value>250645</value><shrsOrPrnAmt><sshPrnamt>10123</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10123</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2026 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435GAA0</cusip><value>253603</value><shrsOrPrnAmt><sshPrnamt>10611</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10611</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2027 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435UAA9</cusip><value>253945</value><shrsOrPrnAmt><sshPrnamt>10612</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10612</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2028 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U515</cusip><value>255517</value><shrsOrPrnAmt><sshPrnamt>10184</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10184</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2029 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E205</cusip><value>321573</value><shrsOrPrnAmt><sshPrnamt>13939</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>13939</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2030 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E726</cusip><value>322458</value><shrsOrPrnAmt><sshPrnamt>14901</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>14901</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2031 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E486</cusip><value>379219</value><shrsOrPrnAmt><sshPrnamt>18258</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>18258</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2032 TC ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E312</cusip><value>325517</value><shrsOrPrnAmt><sshPrnamt>12902</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>12902</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2033 CORP</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E130</cusip><value>113249</value><shrsOrPrnAmt><sshPrnamt>4381</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4381</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS 2024 H/Y INC</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U184</cusip><value>732461</value><shrsOrPrnAmt><sshPrnamt>31558</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>31558</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES 1-5Y INV GRADE CORP ET</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288646</cusip><value>76913</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 10-20 YEAR TREASURY BO</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288653</cusip><value>569881</value><shrsOrPrnAmt><sshPrnamt>5264</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5264</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SHORT TERM CORP BOND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92206C409</cusip><value>489907</value><shrsOrPrnAmt><sshPrnamt>6332</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6332</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBOTT LABS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>002824100</cusip><value>100824</value><shrsOrPrnAmt><sshPrnamt>916</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>916</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBVIE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00287Y109</cusip><value>9918</value><shrsOrPrnAmt><sshPrnamt>64</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>64</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ADOBE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00724F101</cusip><value>192105</value><shrsOrPrnAmt><sshPrnamt>322</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>322</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K305</cusip><value>235098</value><shrsOrPrnAmt><sshPrnamt>1683</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1683</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL C</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K107</cusip><value>111194</value><shrsOrPrnAmt><sshPrnamt>789</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>789</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02209S103</cusip><value>16136</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMAZON.COM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>023135106</cusip><value>321201</value><shrsOrPrnAmt><sshPrnamt>2114</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2114</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>025816109</cusip><value>29600</value><shrsOrPrnAmt><sshPrnamt>158</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>158</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>37089</value><shrsOrPrnAmt><sshPrnamt>281</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>281</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>41475</value><shrsOrPrnAmt><sshPrnamt>144</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>144</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMPHENOL CORP CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032095101</cusip><value>91894</value><shrsOrPrnAmt><sshPrnamt>927</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>927</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032654105</cusip><value>35344</value><shrsOrPrnAmt><sshPrnamt>178</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>178</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>037833100</cusip><value>1401426</value><shrsOrPrnAmt><sshPrnamt>7279</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7279</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ARCHROCK INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>03957W106</cusip><value>7700</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>AT&amp;T INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00206R102</cusip><value>39685</value><shrsOrPrnAmt><sshPrnamt>2365</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2365</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTODESK INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>052769106</cusip><value>24348</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>35178</value><shrsOrPrnAmt><sshPrnamt>151</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>151</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>060505104</cusip><value>88889</value><shrsOrPrnAmt><sshPrnamt>2640</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2640</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>151224</value><shrsOrPrnAmt><sshPrnamt>424</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>424</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09247X101</cusip><value>134759</value><shrsOrPrnAmt><sshPrnamt>166</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>166</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09857L108</cusip><value>10642</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>103338</value><shrsOrPrnAmt><sshPrnamt>2014</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2014</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>149123101</cusip><value>92249</value><shrsOrPrnAmt><sshPrnamt>312</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>312</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>166764100</cusip><value>49819</value><shrsOrPrnAmt><sshPrnamt>334</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>334</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>17275R102</cusip><value>134434</value><shrsOrPrnAmt><sshPrnamt>2661</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2661</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COCA COLA CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>191216100</cusip><value>121867</value><shrsOrPrnAmt><sshPrnamt>2068</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2068</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>194162103</cusip><value>21203</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>CONOCOPHILLIPS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20825C104</cusip><value>64419</value><shrsOrPrnAmt><sshPrnamt>555</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>555</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>21036P108</cusip><value>32878</value><shrsOrPrnAmt><sshPrnamt>136</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>136</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>22160K105</cusip><value>149838</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>CUMMINS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>231021106</cusip><value>53903</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>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>88835</value><shrsOrPrnAmt><sshPrnamt>384</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>384</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DEERE &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>244199105</cusip><value>23992</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>2525</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>DICK'S SPORTING GOODS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>253393102</cusip><value>11021</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>DISNEY WALT CO NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>254687106</cusip><value>106994</value><shrsOrPrnAmt><sshPrnamt>1185</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1185</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOLLAR TREE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>256746108</cusip><value>40058</value><shrsOrPrnAmt><sshPrnamt>282</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>282</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25746U109</cusip><value>21009</value><shrsOrPrnAmt><sshPrnamt>447</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>447</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOW INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>260557103</cusip><value>3674</value><shrsOrPrnAmt><sshPrnamt>67</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>67</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26614N102</cusip><value>5154</value><shrsOrPrnAmt><sshPrnamt>67</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>67</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>277432100</cusip><value>24880</value><shrsOrPrnAmt><sshPrnamt>277</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>277</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ECOLAB INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278865100</cusip><value>5951</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>18391</value><shrsOrPrnAmt><sshPrnamt>39</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>39</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30231G102</cusip><value>139272</value><shrsOrPrnAmt><sshPrnamt>1393</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1393</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FEDEX CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>31428X106</cusip><value>22767</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>17397</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>77641</value><shrsOrPrnAmt><sshPrnamt>299</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>299</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL ELECTRIC CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>369604301</cusip><value>86150</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>21626</value><shrsOrPrnAmt><sshPrnamt>332</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>332</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>38141G104</cusip><value>30862</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>209316</value><shrsOrPrnAmt><sshPrnamt>604</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>604</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>438516106</cusip><value>131069</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>ILLINOIS TOOL WKS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>452308109</cusip><value>23313</value><shrsOrPrnAmt><sshPrnamt>89</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>89</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45687V106</cusip><value>40449</value><shrsOrPrnAmt><sshPrnamt>523</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>523</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>458140100</cusip><value>31306</value><shrsOrPrnAmt><sshPrnamt>623</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>623</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE GROU</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45866F104</cusip><value>121238</value><shrsOrPrnAmt><sshPrnamt>944</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>944</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERNATIONAL FLAVORS &amp; FRAGRA</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459506101</cusip><value>2672</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>36799</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>JACOBS SOLUTIONS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46982L108</cusip><value>5192</value><shrsOrPrnAmt><sshPrnamt>40</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>40</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>478160104</cusip><value>136677</value><shrsOrPrnAmt><sshPrnamt>872</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>872</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>191192</value><shrsOrPrnAmt><sshPrnamt>1124</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1124</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>494368103</cusip><value>6076</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>882</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>1849</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>125</value><shrsOrPrnAmt><sshPrnamt>6</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>6</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>532457108</cusip><value>70533</value><shrsOrPrnAmt><sshPrnamt>121</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>121</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LOWES COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>548661107</cusip><value>34273</value><shrsOrPrnAmt><sshPrnamt>154</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>154</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>571903202</cusip><value>20521</value><shrsOrPrnAmt><sshPrnamt>91</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>91</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>573874104</cusip><value>41855</value><shrsOrPrnAmt><sshPrnamt>694</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>694</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>574599106</cusip><value>79639</value><shrsOrPrnAmt><sshPrnamt>1189</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1189</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>57636Q104</cusip><value>116864</value><shrsOrPrnAmt><sshPrnamt>274</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>274</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>580135101</cusip><value>118307</value><shrsOrPrnAmt><sshPrnamt>399</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>399</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>58933Y105</cusip><value>76859</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>124948</value><shrsOrPrnAmt><sshPrnamt>353</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>353</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>595017104</cusip><value>23266</value><shrsOrPrnAmt><sshPrnamt>258</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>258</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>594918104</cusip><value>585118</value><shrsOrPrnAmt><sshPrnamt>1556</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1556</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>609207105</cusip><value>16297</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>MORGAN STANLEY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>617446448</cusip><value>18184</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>NASDAQ INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>631103108</cusip><value>14535</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>117338</value><shrsOrPrnAmt><sshPrnamt>241</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>241</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>65339F101</cusip><value>21866</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>28337</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>259000</value><shrsOrPrnAmt><sshPrnamt>523</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>523</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORACLE CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68389X105</cusip><value>199579</value><shrsOrPrnAmt><sshPrnamt>1893</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1893</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>697435105</cusip><value>35975</value><shrsOrPrnAmt><sshPrnamt>122</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>122</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYCHEX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>704326107</cusip><value>53123</value><shrsOrPrnAmt><sshPrnamt>446</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>446</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>70450Y103</cusip><value>17809</value><shrsOrPrnAmt><sshPrnamt>290</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>290</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>713448108</cusip><value>34478</value><shrsOrPrnAmt><sshPrnamt>203</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>203</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>717081103</cusip><value>53204</value><shrsOrPrnAmt><sshPrnamt>1848</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1848</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PINTEREST INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>72352L106</cusip><value>3704</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>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>742718109</cusip><value>112543</value><shrsOrPrnAmt><sshPrnamt>768</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>768</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>744320102</cusip><value>12964</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>61323</value><shrsOrPrnAmt><sshPrnamt>424</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>424</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>75513E101</cusip><value>20614</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>189198</value><shrsOrPrnAmt><sshPrnamt>719</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>719</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SNOWFLAKE INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>833445109</cusip><value>44974</value><shrsOrPrnAmt><sshPrnamt>226</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>226</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHWEST AIRLINES CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>844741108</cusip><value>2888</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>SOUTHWESTERN ENERGY CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>845467109</cusip><value>6550</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>STARBUCKS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>855244109</cusip><value>62214</value><shrsOrPrnAmt><sshPrnamt>648</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>648</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>146735</value><shrsOrPrnAmt><sshPrnamt>490</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>490</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>871829107</cusip><value>32397</value><shrsOrPrnAmt><sshPrnamt>443</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>443</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>18738</value><shrsOrPrnAmt><sshPrnamt>174</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>174</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T-MOBILE US INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872590104</cusip><value>27256</value><shrsOrPrnAmt><sshPrnamt>170</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>170</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TERADYNE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>880770102</cusip><value>40152</value><shrsOrPrnAmt><sshPrnamt>370</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>370</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88160R101</cusip><value>12424</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>8523</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>104035</value><shrsOrPrnAmt><sshPrnamt>196</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>196</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>103097</value><shrsOrPrnAmt><sshPrnamt>1099</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1099</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>89417E109</cusip><value>67052</value><shrsOrPrnAmt><sshPrnamt>352</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>352</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>907818108</cusip><value>120354</value><shrsOrPrnAmt><sshPrnamt>490</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>490</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>5660</value><shrsOrPrnAmt><sshPrnamt>36</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>36</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>91324P102</cusip><value>114244</value><shrsOrPrnAmt><sshPrnamt>217</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>217</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>US BANCORP NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>902973304</cusip><value>14153</value><shrsOrPrnAmt><sshPrnamt>327</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>327</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92343V104</cusip><value>64618</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>VERTEX PHARMACEUTICALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92532F100</cusip><value>36213</value><shrsOrPrnAmt><sshPrnamt>89</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>89</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VISA INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92826C839</cusip><value>234575</value><shrsOrPrnAmt><sshPrnamt>901</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>901</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>931142103</cusip><value>63218</value><shrsOrPrnAmt><sshPrnamt>401</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>401</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>273</value><shrsOrPrnAmt><sshPrnamt>24</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>24</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>949746101</cusip><value>13437</value><shrsOrPrnAmt><sshPrnamt>273</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>273</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WILLIAMS COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>969457100</cusip><value>96270</value><shrsOrPrnAmt><sshPrnamt>2764</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2764</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>YUM! BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>988498101</cusip><value>53832</value><shrsOrPrnAmt><sshPrnamt>412</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>412</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VODAFONE GROUP SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92857W308</cusip><value>157</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>ARROW FINANCIAL CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>042744102</cusip><value>555671</value><shrsOrPrnAmt><sshPrnamt>19888</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>19888</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ACCENTURE PLC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G1151C101</cusip><value>19300</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>37081</value><shrsOrPrnAmt><sshPrnamt>390</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>390</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>806857108</cusip><value>16132</value><shrsOrPrnAmt><sshPrnamt>310</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>310</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMM. SERV. SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y852</cusip><value>50862</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>89405</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>33854</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>28841</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>109104</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>75233</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>3090647</value><shrsOrPrnAmt><sshPrnamt>7547</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7547</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>1779042</value><shrsOrPrnAmt><sshPrnamt>27946</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>27946</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>3875111</value><shrsOrPrnAmt><sshPrnamt>13982</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>13982</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>4083407</value><shrsOrPrnAmt><sshPrnamt>37722</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>37722</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>5732</value><shrsOrPrnAmt><sshPrnamt>12</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>12</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287499</cusip><value>142324</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>68844</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>5009</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>97173</value><shrsOrPrnAmt><sshPrnamt>1136</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1136</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NUVEEN ESG SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>67092P607</cusip><value>60801</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>77042</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>4047484</value><shrsOrPrnAmt><sshPrnamt>86800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>86800</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>3572</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>332717</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>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y803</cusip><value>192480</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>58834</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>4714</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 ENERGY ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92204A306</cusip><value>17592</value><shrsOrPrnAmt><sshPrnamt>150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908629</cusip><value>1140401</value><shrsOrPrnAmt><sshPrnamt>4902</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4902</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>8039741</value><shrsOrPrnAmt><sshPrnamt>18406</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18406</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>576844</value><shrsOrPrnAmt><sshPrnamt>2704</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2704</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>19854</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>27294</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 2024 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBG4</cusip><value>1060294</value><shrsOrPrnAmt><sshPrnamt>42565</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>42565</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>1074980</value><shrsOrPrnAmt><sshPrnamt>43416</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>43416</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>1102316</value><shrsOrPrnAmt><sshPrnamt>46122</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>46122</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>1136747</value><shrsOrPrnAmt><sshPrnamt>47503</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>47503</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>1171226</value><shrsOrPrnAmt><sshPrnamt>46681</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>46681</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>1204415</value><shrsOrPrnAmt><sshPrnamt>52207</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>52207</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>1131491</value><shrsOrPrnAmt><sshPrnamt>52287</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>52287</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>1192925</value><shrsOrPrnAmt><sshPrnamt>57435</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>57435</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>1257388</value><shrsOrPrnAmt><sshPrnamt>49837</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>49837</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2033 CORP</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E130</cusip><value>661502</value><shrsOrPrnAmt><sshPrnamt>25590</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>25590</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>2501318</value><shrsOrPrnAmt><sshPrnamt>107769</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>107769</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS 2025 H/Y INC ET</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U168</cusip><value>86856</value><shrsOrPrnAmt><sshPrnamt>3760</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3760</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>28714</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 10-20 YEAR TREASURY BO</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288653</cusip><value>2012770</value><shrsOrPrnAmt><sshPrnamt>18592</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18592</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>32433</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>366579</value><shrsOrPrnAmt><sshPrnamt>4738</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4738</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>921937835</cusip><value>13239</value><shrsOrPrnAmt><sshPrnamt>180</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>180</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>233182</value><shrsOrPrnAmt><sshPrnamt>4311</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4311</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBOTT LABS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>002824100</cusip><value>2201400</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>ADOBE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00724F101</cusip><value>3579600</value><shrsOrPrnAmt><sshPrnamt>6000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>6000</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>739260</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>4442142</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>4573394</value><shrsOrPrnAmt><sshPrnamt>30100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>30100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>1641714</value><shrsOrPrnAmt><sshPrnamt>5700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>5700</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMPHENOL CORP CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032095101</cusip><value>2180860</value><shrsOrPrnAmt><sshPrnamt>22000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>22000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>037833100</cusip><value>8933392</value><shrsOrPrnAmt><sshPrnamt>46400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>46400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>060505104</cusip><value>2340065</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>1818966</value><shrsOrPrnAmt><sshPrnamt>5100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>5100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>09247X101</cusip><value>2719530</value><shrsOrPrnAmt><sshPrnamt>3350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>3350</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CAPITAL ONE FINANCIAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14040H105</cusip><value>891616</value><shrsOrPrnAmt><sshPrnamt>6800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>6800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>149123101</cusip><value>1862721</value><shrsOrPrnAmt><sshPrnamt>6300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>6300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>166764100</cusip><value>984456</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>1553490</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>1369666</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>1156700</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>1169256</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>582405</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>376000</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>773565</value><shrsOrPrnAmt><sshPrnamt>3900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>3900</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30231G102</cusip><value>819836</value><shrsOrPrnAmt><sshPrnamt>8200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>8200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>38141G104</cusip><value>1003002</value><shrsOrPrnAmt><sshPrnamt>2600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>2600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HOME DEPOT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>437076102</cusip><value>3188260</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>1887390</value><shrsOrPrnAmt><sshPrnamt>9000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>9000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45687V106</cusip><value>1105962</value><shrsOrPrnAmt><sshPrnamt>14300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>14300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE GROU</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45866F104</cusip><value>2311740</value><shrsOrPrnAmt><sshPrnamt>18000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>18000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>478160104</cusip><value>1489030</value><shrsOrPrnAmt><sshPrnamt>9500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>9500</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>2679075</value><shrsOrPrnAmt><sshPrnamt>15750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>15750</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>532457108</cusip><value>1981928</value><shrsOrPrnAmt><sshPrnamt>3400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>3400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>573874104</cusip><value>1206200</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>MASCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>574599106</cusip><value>2210340</value><shrsOrPrnAmt><sshPrnamt>33000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>33000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>580135101</cusip><value>770926</value><shrsOrPrnAmt><sshPrnamt>2600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>2600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>META PLATFORMS INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30303M102</cusip><value>1946780</value><shrsOrPrnAmt><sshPrnamt>5500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>5500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>594918104</cusip><value>8761732</value><shrsOrPrnAmt><sshPrnamt>23300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>23300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MORGAN STANLEY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>617446448</cusip><value>1053725</value><shrsOrPrnAmt><sshPrnamt>11300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>11300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NETFLIX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>64110L106</cusip><value>1460640</value><shrsOrPrnAmt><sshPrnamt>3000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>3000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>65339F101</cusip><value>334070</value><shrsOrPrnAmt><sshPrnamt>5500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>5500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>654106103</cusip><value>922845</value><shrsOrPrnAmt><sshPrnamt>8500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>8500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NVIDIA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>67066G104</cusip><value>4323271</value><shrsOrPrnAmt><sshPrnamt>8730</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>8730</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORACLE CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68389X105</cusip><value>1338961</value><shrsOrPrnAmt><sshPrnamt>12700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>12700</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>697435105</cusip><value>471808</value><shrsOrPrnAmt><sshPrnamt>1600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>1600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>713448108</cusip><value>1647448</value><shrsOrPrnAmt><sshPrnamt>9700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>9700</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>742718109</cusip><value>1776798</value><shrsOrPrnAmt><sshPrnamt>12125</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>12125</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>79466L302</cusip><value>2894540</value><shrsOrPrnAmt><sshPrnamt>11000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>11000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>824348106</cusip><value>857725</value><shrsOrPrnAmt><sshPrnamt>2750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>2750</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SNOWFLAKE INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>833445109</cusip><value>497500</value><shrsOrPrnAmt><sshPrnamt>2500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>2500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>842587107</cusip><value>641598</value><shrsOrPrnAmt><sshPrnamt>9150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>9150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>1946490</value><shrsOrPrnAmt><sshPrnamt>6500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>6500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>871829107</cusip><value>548475</value><shrsOrPrnAmt><sshPrnamt>7500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>7500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TERADYNE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>880770102</cusip><value>542600</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>TESLA INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88160R101</cusip><value>1043616</value><shrsOrPrnAmt><sshPrnamt>4200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>4200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>883556102</cusip><value>2441634</value><shrsOrPrnAmt><sshPrnamt>4600</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>4600</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>2162321</value><shrsOrPrnAmt><sshPrnamt>23050</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>23050</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>91324P102</cusip><value>2053233</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>VERALTO CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92338C103</cusip><value>137127</value><shrsOrPrnAmt><sshPrnamt>1667</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>1667</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92532F100</cusip><value>610335</value><shrsOrPrnAmt><sshPrnamt>1500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>1500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VISA INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92826C839</cusip><value>2082800</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>VULCAN MATERIALS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>929160109</cusip><value>249711</value><shrsOrPrnAmt><sshPrnamt>1100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>1100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>931142103</cusip><value>2112510</value><shrsOrPrnAmt><sshPrnamt>13400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>13400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>94106L109</cusip><value>1432800</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>WILLIAMS COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>969457100</cusip><value>1198152</value><shrsOrPrnAmt><sshPrnamt>34400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>34400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN TOWER CORP REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>03027X100</cusip><value>507318</value><shrsOrPrnAmt><sshPrnamt>2350</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>2350</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DIGITAL REALTY TRUST INC REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>253868103</cusip><value>1480380</value><shrsOrPrnAmt><sshPrnamt>11000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>11000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PUBLIC STORAGE INC REIT</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>74460D109</cusip><value>579500</value><shrsOrPrnAmt><sshPrnamt>1900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>1900</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>N53745100</cusip><value>190160</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=727 tableValueTotal=963804872 -->
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
