<SEC-DOCUMENT>0000717538-24-000079.txt : 20240521
<SEC-HEADER>0000717538-24-000079.hdr.sgml : 20240521
<ACCEPTANCE-DATETIME>20240521125437
ACCESSION NUMBER:		0000717538-24-000079
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240331
FILED AS OF DATE:		20240521
DATE AS OF CHANGE:		20240521
EFFECTIVENESS DATE:		20240521

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:		24968112

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ARROW BANK CORP
		DATE OF NAME CHANGE:	19900710
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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      <periodOfReport>03-31-2024</periodOfReport>
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      <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>
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    <signatureBlock>
      <name>PENKO IVANOV</name>
      <title>CHIEF FINANCIAL OFFICER</title>
      <phone>518-415-4512</phone>
      <signature>/s/ PENKO IVANOV</signature>
      <city>Glens Falls</city>
      <stateOrCountry>NY</stateOrCountry>
      <signatureDate>05-21-2024</signatureDate>
    </signatureBlock>
    <summaryPage>
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          <sequenceNumber>3</sequenceNumber>
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            <name>North Country Investment Advisers, Inc.</name>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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<DESCRIPTION>INFORMATION TABLE
<TEXT>
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STOCK</titleOfClass><cusip>962166104</cusip><value>3950</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>44651568</value><shrsOrPrnAmt><sshPrnamt>1784635</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1784635</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ACCENTURE PLC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G1151C101</cusip><value>76254</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>BARRICK GOLD CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>067901108</cusip><value>19968</value><shrsOrPrnAmt><sshPrnamt>1200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BIRKENSTOCK HOLDING PLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>M2029K104</cusip><value>4725</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>26242</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>43775</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>65124</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>40385</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>LITHIUM AMERICAS ARGENTINA C</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>53681K100</cusip><value>539</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>672</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>864471</value><shrsOrPrnAmt><sshPrnamt>8452</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8452</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MANULIFE FINANCIAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>56501R106</cusip><value>5898</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>64840</value><shrsOrPrnAmt><sshPrnamt>744</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>744</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MIND MEDICINE MINDMED INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>60255C885</cusip><value>620</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>17161</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>10088</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>21047</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>27781</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>13401</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>35262</value><shrsOrPrnAmt><sshPrnamt>584</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>584</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMM. SERV. SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y852</cusip><value>17965</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>325485</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>97054</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>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y506</cusip><value>188914</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>607960</value><shrsOrPrnAmt><sshPrnamt>14434</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>14434</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GABELLI DIVIDEND &amp; INCOME TRUS</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>36242H104</cusip><value>34125</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>498589</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>339714</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>ISHARES CORE MSCI EAFE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46432F842</cusip><value>33919</value><shrsOrPrnAmt><sshPrnamt>457</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>457</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>6834</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>240750</value><shrsOrPrnAmt><sshPrnamt>2863</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2863</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES SILVER TRUST</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46428Q109</cusip><value>86109</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>31884</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>1161868</value><shrsOrPrnAmt><sshPrnamt>12508</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>12508</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REAL ESTATE SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y860</cusip><value>2925</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>287802</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>354192</value><shrsOrPrnAmt><sshPrnamt>4842</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4842</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>136642</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>65608</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>13910</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>2157</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>6464099</value><shrsOrPrnAmt><sshPrnamt>12358</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>12358</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y803</cusip><value>1076548</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>787997</value><shrsOrPrnAmt><sshPrnamt>12003</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>12003</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANECK BIOTECH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92189F726</cusip><value>41583</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 SOCIAL SENTIMENT ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92189H839</cusip><value>37538</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>191375</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>10821</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>35655</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>28603973</value><shrsOrPrnAmt><sshPrnamt>114480</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>114480</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908553</cusip><value>429373</value><shrsOrPrnAmt><sshPrnamt>4965</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4965</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>13872213</value><shrsOrPrnAmt><sshPrnamt>60686</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>60686</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR TR 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USD</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435G243</cusip><value>534398</value><shrsOrPrnAmt><sshPrnamt>21830</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>21830</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>238896</value><shrsOrPrnAmt><sshPrnamt>9206</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9206</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2026 MUNI 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E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U432</cusip><value>238299</value><shrsOrPrnAmt><sshPrnamt>9006</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9006</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>239543</value><shrsOrPrnAmt><sshPrnamt>9517</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9517</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES NATIONAL MUNI BOND 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STOCK</titleOfClass><cusip>002824100</cusip><value>55352</value><shrsOrPrnAmt><sshPrnamt>487</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>487</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBVIE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>00287Y109</cusip><value>236730</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>113535</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>ALPHABET INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K305</cusip><value>833737</value><shrsOrPrnAmt><sshPrnamt>5524</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5524</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL C</nameOfIssuer><titleOfClass>COMMON 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STOCK</titleOfClass><cusip>025816109</cusip><value>227690</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>34097</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 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STOCK</titleOfClass><cusip>278865100</cusip><value>207810</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>385</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 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STOCK</titleOfClass><cusip>713448108</cusip><value>542706</value><shrsOrPrnAmt><sshPrnamt>3101</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3101</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>717081103</cusip><value>274115</value><shrsOrPrnAmt><sshPrnamt>9878</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>9878</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>718546104</cusip><value>5227</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>520498</value><shrsOrPrnAmt><sshPrnamt>3208</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3208</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>74834L100</cusip><value>66555</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>510765</value><shrsOrPrnAmt><sshPrnamt>5237</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5237</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RUMBLE INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>78137L105</cusip><value>8080</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>258111</value><shrsOrPrnAmt><sshPrnamt>857</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>857</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SNOWFLAKE INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>833445109</cusip><value>73366</value><shrsOrPrnAmt><sshPrnamt>454</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>454</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>842587107</cusip><value>21522</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>181409</value><shrsOrPrnAmt><sshPrnamt>1985</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1985</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>419782</value><shrsOrPrnAmt><sshPrnamt>1173</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1173</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>871829107</cusip><value>21107</value><shrsOrPrnAmt><sshPrnamt>260</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>260</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>74144T108</cusip><value>106680</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>T-MOBILE US INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872590104</cusip><value>32481</value><shrsOrPrnAmt><sshPrnamt>199</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>199</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TERADYNE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>880770102</cusip><value>53256</value><shrsOrPrnAmt><sshPrnamt>472</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>472</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88160R101</cusip><value>38322</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>183081</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>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>212475</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>23014</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>100</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>907818108</cusip><value>105012</value><shrsOrPrnAmt><sshPrnamt>427</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>427</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>911312106</cusip><value>81747</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>147421</value><shrsOrPrnAmt><sshPrnamt>298</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>298</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>US BANCORP NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>902973304</cusip><value>63698</value><shrsOrPrnAmt><sshPrnamt>1425</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1425</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERALTO CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92338C103</cusip><value>1685</value><shrsOrPrnAmt><sshPrnamt>19</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>19</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92343V104</cusip><value>82913</value><shrsOrPrnAmt><sshPrnamt>1976</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1976</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92532F100</cusip><value>173474</value><shrsOrPrnAmt><sshPrnamt>415</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>415</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VIATRIS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92556V106</cusip><value>12967</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>376200</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>116429</value><shrsOrPrnAmt><sshPrnamt>1935</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1935</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WARNER BROS DISCOVERY INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>934423104</cusip><value>1694</value><shrsOrPrnAmt><sshPrnamt>194</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>194</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>949746101</cusip><value>53613</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>69600</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>YUM! BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>988498101</cusip><value>18718</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>19797</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>312907</value><shrsOrPrnAmt><sshPrnamt>2950</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2950</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ARROW FINANCIAL CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>042744102</cusip><value>559372</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>148523</value><shrsOrPrnAmt><sshPrnamt>475</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>475</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LINDE PLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G54950103</cusip><value>127688</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>13296</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>26145</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>11784</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>125832</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>534465</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>609228</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>415627</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>236969</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>830480</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>769230</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>511146</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>169168</value><shrsOrPrnAmt><sshPrnamt>381</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>381</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE MSCI DEV MKTS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435G326</cusip><value>820396</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>375373</value><shrsOrPrnAmt><sshPrnamt>6180</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6180</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287804</cusip><value>1197042</value><shrsOrPrnAmt><sshPrnamt>10831</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10831</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MATERIALS SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y100</cusip><value>302543</value><shrsOrPrnAmt><sshPrnamt>3257</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3257</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 VALUE E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A508</cusip><value>113426</value><shrsOrPrnAmt><sshPrnamt>2264</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2264</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P BIOTECH ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A870</cusip><value>8255</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>5198</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>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y803</cusip><value>1751134</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>139506</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>3191962</value><shrsOrPrnAmt><sshPrnamt>12775</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>12775</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908553</cusip><value>171230</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>1016681</value><shrsOrPrnAmt><sshPrnamt>2115</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2115</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>1323993</value><shrsOrPrnAmt><sshPrnamt>5792</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5792</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR TR E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287457</cusip><value>122670</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>299823</value><shrsOrPrnAmt><sshPrnamt>11969</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>11969</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2025 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBD1</cusip><value>251350</value><shrsOrPrnAmt><sshPrnamt>10131</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10131</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2026 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435GAA0</cusip><value>253311</value><shrsOrPrnAmt><sshPrnamt>10621</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10621</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2027 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435UAA9</cusip><value>306282</value><shrsOrPrnAmt><sshPrnamt>12869</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>12869</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2028 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U515</cusip><value>253931</value><shrsOrPrnAmt><sshPrnamt>10196</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10196</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2029 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E205</cusip><value>318430</value><shrsOrPrnAmt><sshPrnamt>13954</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>13954</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2030 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E726</cusip><value>319224</value><shrsOrPrnAmt><sshPrnamt>14917</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>14917</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2031 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E486</cusip><value>374865</value><shrsOrPrnAmt><sshPrnamt>18295</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>18295</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2032 TC ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E312</cusip><value>373837</value><shrsOrPrnAmt><sshPrnamt>15068</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>15068</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2033 CORP</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E130</cusip><value>165059</value><shrsOrPrnAmt><sshPrnamt>6478</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6478</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS 2024 H/Y INC</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U184</cusip><value>883149</value><shrsOrPrnAmt><sshPrnamt>37879</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>37879</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS 2025 H/Y INC ET</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U168</cusip><value>79352</value><shrsOrPrnAmt><sshPrnamt>3394</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3394</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES 1-5Y INV GRADE CORP ET</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288646</cusip><value>76920</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>609909</value><shrsOrPrnAmt><sshPrnamt>5807</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5807</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SHORT TERM CORP BOND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92206C409</cusip><value>489527</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>104113</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>11654</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>130187</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>ALPHABET INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K305</cusip><value>248129</value><shrsOrPrnAmt><sshPrnamt>1644</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1644</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL C</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02079K107</cusip><value>119524</value><shrsOrPrnAmt><sshPrnamt>785</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>785</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>02209S103</cusip><value>17448</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>380963</value><shrsOrPrnAmt><sshPrnamt>2112</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2112</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>025816109</cusip><value>35975</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>33730</value><shrsOrPrnAmt><sshPrnamt>276</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>276</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>40942</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>137728</value><shrsOrPrnAmt><sshPrnamt>1194</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1194</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032654105</cusip><value>35207</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>1290730</value><shrsOrPrnAmt><sshPrnamt>7527</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7527</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ARCHROCK INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>03957W106</cusip><value>9835</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>40744</value><shrsOrPrnAmt><sshPrnamt>2315</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2315</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTODESK INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>052769106</cusip><value>26042</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>17482</value><shrsOrPrnAmt><sshPrnamt>70</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>70</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>060505104</cusip><value>107427</value><shrsOrPrnAmt><sshPrnamt>2833</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2833</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>178300</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>138394</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>7256</value><shrsOrPrnAmt><sshPrnamt>2</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>110122108</cusip><value>117516</value><shrsOrPrnAmt><sshPrnamt>2167</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2167</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>149123101</cusip><value>113227</value><shrsOrPrnAmt><sshPrnamt>309</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>309</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON 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STOCK</titleOfClass><cusip>25746U109</cusip><value>23611</value><shrsOrPrnAmt><sshPrnamt>480</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>480</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOW INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>260557103</cusip><value>3244</value><shrsOrPrnAmt><sshPrnamt>56</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>56</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer><titleOfClass>COMMON 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STOCK</titleOfClass><cusip>278865100</cusip><value>6927</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>20223</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 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STOCK</titleOfClass><cusip>369550108</cusip><value>84465</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>87765</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>GENERAL MLS INC</nameOfIssuer><titleOfClass>COMMON 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BUSINESS MACHINES CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459200101</cusip><value>42966</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>5381</value><shrsOrPrnAmt><sshPrnamt>35</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>35</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON 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STOCK</titleOfClass><cusip>574599106</cusip><value>90870</value><shrsOrPrnAmt><sshPrnamt>1152</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1152</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>57636Q104</cusip><value>111243</value><shrsOrPrnAmt><sshPrnamt>231</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>231</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>580135101</cusip><value>114754</value><shrsOrPrnAmt><sshPrnamt>407</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>407</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>58933Y105</cusip><value>93025</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>211713</value><shrsOrPrnAmt><sshPrnamt>436</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>436</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>595017104</cusip><value>23145</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>666841</value><shrsOrPrnAmt><sshPrnamt>1585</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1585</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>609207105</cusip><value>15750</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>31920</value><shrsOrPrnAmt><sshPrnamt>339</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>339</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NASDAQ INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>631103108</cusip><value>15775</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>145759</value><shrsOrPrnAmt><sshPrnamt>240</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>240</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>65339F101</cusip><value>23008</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>18796</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NVIDIA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>67066G104</cusip><value>402988</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>ORACLE CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>68389X105</cusip><value>232127</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>PALO ALTO NETWORKS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>697435105</cusip><value>44324</value><shrsOrPrnAmt><sshPrnamt>156</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>156</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYCHEX INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>704326107</cusip><value>29472</value><shrsOrPrnAmt><sshPrnamt>240</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>240</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>70450Y103</cusip><value>19092</value><shrsOrPrnAmt><sshPrnamt>285</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>285</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>713448108</cusip><value>35177</value><shrsOrPrnAmt><sshPrnamt>201</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>201</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>717081103</cusip><value>29276</value><shrsOrPrnAmt><sshPrnamt>1055</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1055</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PINTEREST INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>72352L106</cusip><value>3467</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>125582</value><shrsOrPrnAmt><sshPrnamt>774</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>774</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>744320102</cusip><value>14675</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>27088</value><shrsOrPrnAmt><sshPrnamt>160</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>160</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>75513E101</cusip><value>23895</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>193659</value><shrsOrPrnAmt><sshPrnamt>643</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>643</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SNOWFLAKE INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>833445109</cusip><value>41854</value><shrsOrPrnAmt><sshPrnamt>259</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>259</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHWEST AIRLINES CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>844741108</cusip><value>2919</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>7580</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>60500</value><shrsOrPrnAmt><sshPrnamt>662</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>662</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>863667101</cusip><value>166052</value><shrsOrPrnAmt><sshPrnamt>464</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>464</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>871829107</cusip><value>37343</value><shrsOrPrnAmt><sshPrnamt>460</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>460</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>21214</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>52720</value><shrsOrPrnAmt><sshPrnamt>323</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>323</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TERADYNE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>880770102</cusip><value>53256</value><shrsOrPrnAmt><sshPrnamt>472</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>472</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>88160R101</cusip><value>24786</value><shrsOrPrnAmt><sshPrnamt>141</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>141</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>882508104</cusip><value>8711</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>THE HERSHEY COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>427866108</cusip><value>4863</value><shrsOrPrnAmt><sshPrnamt>25</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>25</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>883556102</cusip><value>108686</value><shrsOrPrnAmt><sshPrnamt>187</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>187</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>872540109</cusip><value>110142</value><shrsOrPrnAmt><sshPrnamt>1086</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1086</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>89417E109</cusip><value>83771</value><shrsOrPrnAmt><sshPrnamt>364</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>364</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>907818108</cusip><value>108209</value><shrsOrPrnAmt><sshPrnamt>440</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>440</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>911312106</cusip><value>5351</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>107845</value><shrsOrPrnAmt><sshPrnamt>218</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>218</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>US BANCORP NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>902973304</cusip><value>2235</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>VERIZON COMMUNICATIONS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92343V104</cusip><value>69821</value><shrsOrPrnAmt><sshPrnamt>1664</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1664</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92532F100</cusip><value>48489</value><shrsOrPrnAmt><sshPrnamt>116</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>116</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VISA INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92826C839</cusip><value>229683</value><shrsOrPrnAmt><sshPrnamt>823</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>823</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>931142103</cusip><value>76175</value><shrsOrPrnAmt><sshPrnamt>1266</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1266</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>105</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>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>949746101</cusip><value>15823</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>107713</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>71543</value><shrsOrPrnAmt><sshPrnamt>516</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>516</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VODAFONE GROUP SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92857W308</cusip><value>160</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>497598</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>19064</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>35184</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>SCHLUMBERGER LTD</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>806857108</cusip><value>16991</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>57162</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>91945</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>35889</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>32477</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>118184</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>83134</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>3361156</value><shrsOrPrnAmt><sshPrnamt>7570</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>7570</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>1856010</value><shrsOrPrnAmt><sshPrnamt>27648</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>27648</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>4184500</value><shrsOrPrnAmt><sshPrnamt>68892</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>68892</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>4258888</value><shrsOrPrnAmt><sshPrnamt>38535</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>38535</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>6309</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>153969</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>72133</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>5233</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>91497</value><shrsOrPrnAmt><sshPrnamt>985</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>985</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NUVEEN ESG SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>67092P607</cusip><value>64672</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>82905</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>3653342</value><shrsOrPrnAmt><sshPrnamt>72921</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>72921</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>3796</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>196151</value><shrsOrPrnAmt><sshPrnamt>375</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>375</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y803</cusip><value>208270</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>61055</value><shrsOrPrnAmt><sshPrnamt>930</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>930</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANECK GOLD MINERS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92189F106</cusip><value>4806</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>19755</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>1209572</value><shrsOrPrnAmt><sshPrnamt>4841</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>4841</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>8579053</value><shrsOrPrnAmt><sshPrnamt>17847</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>17847</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>609421</value><shrsOrPrnAmt><sshPrnamt>2666</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2666</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>19791</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>26934</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>1041429</value><shrsOrPrnAmt><sshPrnamt>41574</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>41574</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>1089432</value><shrsOrPrnAmt><sshPrnamt>43911</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>43911</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>1111768</value><shrsOrPrnAmt><sshPrnamt>46615</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>46615</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>1142091</value><shrsOrPrnAmt><sshPrnamt>47987</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>47987</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>1173499</value><shrsOrPrnAmt><sshPrnamt>47119</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>47119</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>1201907</value><shrsOrPrnAmt><sshPrnamt>52669</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>52669</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>1127780</value><shrsOrPrnAmt><sshPrnamt>52700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>52700</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>1185408</value><shrsOrPrnAmt><sshPrnamt>57853</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>57853</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>1245611</value><shrsOrPrnAmt><sshPrnamt>50206</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50206</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2033 CORP</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E130</cusip><value>1022003</value><shrsOrPrnAmt><sshPrnamt>40110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>40110</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>1939482</value><shrsOrPrnAmt><sshPrnamt>83186</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>83186</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>888113</value><shrsOrPrnAmt><sshPrnamt>37986</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>37986</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>28717</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>1915012</value><shrsOrPrnAmt><sshPrnamt>18233</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18233</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES 20Plus YEAR TREASURY BOND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287432</cusip><value>31035</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>387014</value><shrsOrPrnAmt><sshPrnamt>5006</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>5006</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>921937835</cusip><value>14962</value><shrsOrPrnAmt><sshPrnamt>206</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>206</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBOTT LABS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>002824100</cusip><value>2273200</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>2220240</value><shrsOrPrnAmt><sshPrnamt>4400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>4400</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>654129</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>4799574</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>5050640</value><shrsOrPrnAmt><sshPrnamt>28000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>28000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>1336304</value><shrsOrPrnAmt><sshPrnamt>4700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>4700</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMPHENOL CORP CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>032095101</cusip><value>2537700</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>7733748</value><shrsOrPrnAmt><sshPrnamt>45100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>3</otherManager><votingAuthority><Sole>45100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>060505104</cusip><value>2635440</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>2144652</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 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STOCK</titleOfClass><cusip>94106L109</cusip><value>1705200</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>1340568</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>464337</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>1584440</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>551114</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>204560</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=703 tableValueTotal=1007317299 -->
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