<SEC-DOCUMENT>0000717538-24-000112.txt : 20241104
<SEC-HEADER>0000717538-24-000112.hdr.sgml : 20241104
<ACCEPTANCE-DATETIME>20241101174704
ACCESSION NUMBER:		0000717538-24-000112
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240930
FILED AS OF DATE:		20241104
DATE AS OF CHANGE:		20241101
EFFECTIVENESS DATE:		20241104

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:		241420220

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ARROW BANK CORP
		DATE OF NAME CHANGE:	19900710
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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      <liveTestFlag>LIVE</liveTestFlag>
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        <confirmingCopyFlag>false</confirmingCopyFlag>
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          <cik>0000717538</cik>
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      <periodOfReport>09-30-2024</periodOfReport>
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      <reportCalendarOrQuarter>09-30-2024</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>Arrow Financial Corp</name>
        <address>
          <com:street1>250 GLEN STREET</com:street1>
          <com:city>Glens Falls</com:city>
          <com:stateOrCountry>NY</com:stateOrCountry>
          <com:zipCode>12801</com:zipCode>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
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      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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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>11-01-2024</signatureDate>
    </signatureBlock>
    <summaryPage>
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      <tableEntryTotal>720</tableEntryTotal>
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            <name>GLENS FALLS NATIONAL BANK &amp; TRUST CO /NY</name>
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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
<FILENAME>information_table.xml
<DESCRIPTION>INFORMATION TABLE
<TEXT>
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STOCK</titleOfClass><cusip>14149Y108</cusip><value>11052</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14448C104</cusip><value>54331</value><shrsOrPrnAmt><sshPrnamt>675</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>675</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>149123101</cusip><value>2481656</value><shrsOrPrnAmt><sshPrnamt>6345</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6345</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>808513105</cusip><value>40506</value><shrsOrPrnAmt><sshPrnamt>625</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>625</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHARTER COMMUNICATIONS INC CL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>16119P108</cusip><value>972</value><shrsOrPrnAmt><sshPrnamt>3</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHECK POINT SOFTWARE TECH LTD</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>M22465104</cusip><value>50131</value><shrsOrPrnAmt><sshPrnamt>260</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>260</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>166764100</cusip><value>954604</value><shrsOrPrnAmt><sshPrnamt>6482</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6482</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>169656105</cusip><value>5762</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>CISCO SYSTEMS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>17275R102</cusip><value>2695646</value><shrsOrPrnAmt><sshPrnamt>50651</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>50651</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CLOROX COMPANY</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>189054109</cusip><value>80966</value><shrsOrPrnAmt><sshPrnamt>497</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>497</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CME GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>12572Q105</cusip><value>49646</value><shrsOrPrnAmt><sshPrnamt>225</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>225</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COCA COLA CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>191216100</cusip><value>2032488</value><shrsOrPrnAmt><sshPrnamt>28284</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>28284</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>194162103</cusip><value>251324</value><shrsOrPrnAmt><sshPrnamt>2421</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2421</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMCAST CORP-CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20030N101</cusip><value>99246</value><shrsOrPrnAmt><sshPrnamt>2376</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2376</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMM. SERV. SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y852</cusip><value>19888</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>COMPASS PATHWAYS LTD SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20451W101</cusip><value>630</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>CONOCOPHILLIPS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20825C104</cusip><value>1420438</value><shrsOrPrnAmt><sshPrnamt>13492</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13492</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>354655</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>105493</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>CONSOLIDATED EDISON INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>209115104</cusip><value>108191</value><shrsOrPrnAmt><sshPrnamt>1039</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1039</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION BRANDS INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>21036P108</cusip><value>127814</value><shrsOrPrnAmt><sshPrnamt>496</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>496</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION ENERGY CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>21037T109</cusip><value>8581</value><shrsOrPrnAmt><sshPrnamt>33</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>33</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>22160K105</cusip><value>3117891</value><shrsOrPrnAmt><sshPrnamt>3517</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3517</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CSX CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>126408103</cusip><value>8702</value><shrsOrPrnAmt><sshPrnamt>252</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>252</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CUMMINS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>231021106</cusip><value>1553868</value><shrsOrPrnAmt><sshPrnamt>4799</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4799</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>2092101</value><shrsOrPrnAmt><sshPrnamt>7525</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7525</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DEERE &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>244199105</cusip><value>116435</value><shrsOrPrnAmt><sshPrnamt>279</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>279</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>254687106</cusip><value>2164756</value><shrsOrPrnAmt><sshPrnamt>22505</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>22505</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOLLAR GENERAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>256677105</cusip><value>10318</value><shrsOrPrnAmt><sshPrnamt>122</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>122</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOLLAR TREE INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>256746108</cusip><value>259903</value><shrsOrPrnAmt><sshPrnamt>3696</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3696</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25746U109</cusip><value>883378</value><shrsOrPrnAmt><sshPrnamt>15286</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>15286</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOW INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>260557103</cusip><value>49331</value><shrsOrPrnAmt><sshPrnamt>903</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>903</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DTE ENERGY CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>233331107</cusip><value>4494</value><shrsOrPrnAmt><sshPrnamt>35</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>35</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26441C204</cusip><value>59149</value><shrsOrPrnAmt><sshPrnamt>513</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>513</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26614N102</cusip><value>61753</value><shrsOrPrnAmt><sshPrnamt>693</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>693</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>277432100</cusip><value>885301</value><shrsOrPrnAmt><sshPrnamt>7908</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7908</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EATON CORP PLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G29183103</cusip><value>46402</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>EBAY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278642103</cusip><value>26044</value><shrsOrPrnAmt><sshPrnamt>400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>400</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ECOLAB INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278865100</cusip><value>530065</value><shrsOrPrnAmt><sshPrnamt>2076</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2076</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EDISON INTERNATIONAL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>281020107</cusip><value>17418</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>200</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EMERSON ELEC CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>291011104</cusip><value>155415</value><shrsOrPrnAmt><sshPrnamt>1421</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1421</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENBRIDGE INCORPORATED</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>29250N105</cusip><value>81220</value><shrsOrPrnAmt><sshPrnamt>2000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y506</cusip><value>159884</value><shrsOrPrnAmt><sshPrnamt>1821</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1821</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EOG RES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26875P101</cusip><value>17825</value><shrsOrPrnAmt><sshPrnamt>145</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>145</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EOS ENERGY ENTERPRISES INC CL</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>29415C101</cusip><value>14850</value><shrsOrPrnAmt><sshPrnamt>5000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ESSENTIAL UTILITIES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>29670G102</cusip><value>19285</value><shrsOrPrnAmt><sshPrnamt>500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EVANS BANCORP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>29911Q208</cusip><value>11691</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>300</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXELON CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30161N101</cusip><value>4055</value><shrsOrPrnAmt><sshPrnamt>100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>100</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30231G102</cusip><value>2939057</value><shrsOrPrnAmt><sshPrnamt>25073</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>25073</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FACTSET RESEARCH SYSTEM INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>303075105</cusip><value>18854</value><shrsOrPrnAmt><sshPrnamt>41</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>41</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FEDEX CORPORATION</nameOfIssuer><titleOfClass>COMMON 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ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E312</cusip><value>13156450</value><shrsOrPrnAmt><sshPrnamt>511725</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>511725</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2033 CORP</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E130</cusip><value>12622632</value><shrsOrPrnAmt><sshPrnamt>478130</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>478130</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2034 TM COR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46438G653</cusip><value>113304</value><shrsOrPrnAmt><sshPrnamt>4242</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4242</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES MSCI USA MIN VOL FACTO</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46429B697</cusip><value>45107</value><shrsOrPrnAmt><sshPrnamt>494</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>494</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES NATIONAL MUNI BOND 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STOCK</titleOfClass><cusip>92942W107</cusip><value>428</value><shrsOrPrnAmt><sshPrnamt>25</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>25</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>YUM CHINA HOLDINGS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>98850P109</cusip><value>22510</value><shrsOrPrnAmt><sshPrnamt>500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>YUM! 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STOCK</titleOfClass><cusip>14149Y108</cusip><value>22104</value><shrsOrPrnAmt><sshPrnamt>200</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>200</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>14448C104</cusip><value>378303</value><shrsOrPrnAmt><sshPrnamt>4700</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4700</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CATERPILLAR INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>149123101</cusip><value>402462</value><shrsOrPrnAmt><sshPrnamt>1029</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1029</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>166764100</cusip><value>287029</value><shrsOrPrnAmt><sshPrnamt>1949</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1949</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>17275R102</cusip><value>68494</value><shrsOrPrnAmt><sshPrnamt>1287</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1287</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COCA COLA CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>191216100</cusip><value>121156</value><shrsOrPrnAmt><sshPrnamt>1686</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1686</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>194162103</cusip><value>573758</value><shrsOrPrnAmt><sshPrnamt>5527</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5527</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMM. SERV. SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y852</cusip><value>596911</value><shrsOrPrnAmt><sshPrnamt>6603</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6603</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>20825C104</cusip><value>119072</value><shrsOrPrnAmt><sshPrnamt>1131</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1131</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS DISC SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y407</cusip><value>698891</value><shrsOrPrnAmt><sshPrnamt>3488</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3488</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS STAPLES SELECT SECT SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y308</cusip><value>397155</value><shrsOrPrnAmt><sshPrnamt>4785</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4785</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION BRANDS INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>21036P108</cusip><value>154356</value><shrsOrPrnAmt><sshPrnamt>599</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>599</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>22160K105</cusip><value>79787</value><shrsOrPrnAmt><sshPrnamt>90</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>90</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CUMMINS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>231021106</cusip><value>49864</value><shrsOrPrnAmt><sshPrnamt>154</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>154</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CVS HEALTH CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>126650100</cusip><value>24523</value><shrsOrPrnAmt><sshPrnamt>390</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>390</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>30304</value><shrsOrPrnAmt><sshPrnamt>109</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>109</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>254687106</cusip><value>118218</value><shrsOrPrnAmt><sshPrnamt>1229</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1229</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>25746U109</cusip><value>27913</value><shrsOrPrnAmt><sshPrnamt>483</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>483</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOW INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>260557103</cusip><value>1803</value><shrsOrPrnAmt><sshPrnamt>33</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>33</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DTE ENERGY CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>233331107</cusip><value>36597</value><shrsOrPrnAmt><sshPrnamt>285</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>285</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26441C204</cusip><value>48080</value><shrsOrPrnAmt><sshPrnamt>417</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>417</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EATON CORP PLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G29183103</cusip><value>157434</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>ECOLAB INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278865100</cusip><value>217031</value><shrsOrPrnAmt><sshPrnamt>850</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>850</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EMERSON ELEC CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>291011104</cusip><value>286549</value><shrsOrPrnAmt><sshPrnamt>2620</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2620</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y506</cusip><value>223275</value><shrsOrPrnAmt><sshPrnamt>2543</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2543</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EOG RES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26875P101</cusip><value>4303</value><shrsOrPrnAmt><sshPrnamt>35</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>35</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30231G102</cusip><value>902125</value><shrsOrPrnAmt><sshPrnamt>7696</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>7696</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FINANCIAL SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y605</cusip><value>855279</value><shrsOrPrnAmt><sshPrnamt>18872</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>18872</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>369550108</cusip><value>30220</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>GILEAD SCIENCES INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>375558103</cusip><value>9222</value><shrsOrPrnAmt><sshPrnamt>110</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>110</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>38141G104</cusip><value>12378</value><shrsOrPrnAmt><sshPrnamt>25</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>25</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y209</cusip><value>771794</value><shrsOrPrnAmt><sshPrnamt>5011</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5011</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HOME DEPOT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>437076102</cusip><value>531217</value><shrsOrPrnAmt><sshPrnamt>1311</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1311</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>438516106</cusip><value>98601</value><shrsOrPrnAmt><sshPrnamt>477</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>477</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y704</cusip><value>535801</value><shrsOrPrnAmt><sshPrnamt>3956</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3956</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45687V106</cusip><value>65767</value><shrsOrPrnAmt><sshPrnamt>670</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>670</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTEL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>458140100</cusip><value>59588</value><shrsOrPrnAmt><sshPrnamt>2540</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2540</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTERCONTINENTAL EXCHANGE GROU</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>45866F104</cusip><value>117428</value><shrsOrPrnAmt><sshPrnamt>731</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>731</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459200101</cusip><value>878351</value><shrsOrPrnAmt><sshPrnamt>3973</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3973</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTUIT INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>461202103</cusip><value>465750</value><shrsOrPrnAmt><sshPrnamt>750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>750</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INVESCO QQQ TRUST SERIES 1</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46090E103</cusip><value>230857</value><shrsOrPrnAmt><sshPrnamt>473</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>473</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES 10-20 YEAR TREASURY BO</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288653</cusip><value>763342</value><shrsOrPrnAmt><sshPrnamt>6982</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6982</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES 1-5Y INV GRADE CORP ET</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464288646</cusip><value>78990</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 BARCLAYS 1-3 YEAR TR E</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287457</cusip><value>124725</value><shrsOrPrnAmt><sshPrnamt>1500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1500</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE MSCI DEV MKTS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435G326</cusip><value>801158</value><shrsOrPrnAmt><sshPrnamt>11311</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>11311</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287507</cusip><value>375852</value><shrsOrPrnAmt><sshPrnamt>6031</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6031</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>464287804</cusip><value>1155916</value><shrsOrPrnAmt><sshPrnamt>9883</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>9883</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS 2024 H/Y INC</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U184</cusip><value>233063</value><shrsOrPrnAmt><sshPrnamt>10007</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10007</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS 2025 H/Y INC ET</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U168</cusip><value>871513</value><shrsOrPrnAmt><sshPrnamt>37404</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>37404</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2024 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBG4</cusip><value>311923</value><shrsOrPrnAmt><sshPrnamt>12373</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>12373</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2025 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46434VBD1</cusip><value>270854</value><shrsOrPrnAmt><sshPrnamt>10791</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10791</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2026 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435GAA0</cusip><value>273788</value><shrsOrPrnAmt><sshPrnamt>11267</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>11267</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2027 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435UAA9</cusip><value>327119</value><shrsOrPrnAmt><sshPrnamt>13423</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>13423</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2028 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46435U515</cusip><value>276081</value><shrsOrPrnAmt><sshPrnamt>10814</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10814</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2029 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E205</cusip><value>386598</value><shrsOrPrnAmt><sshPrnamt>16444</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>16444</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2030 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E726</cusip><value>388862</value><shrsOrPrnAmt><sshPrnamt>17540</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>17540</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2031 TERM C</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E486</cusip><value>443583</value><shrsOrPrnAmt><sshPrnamt>20904</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>20904</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2032 TC ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E312</cusip><value>444115</value><shrsOrPrnAmt><sshPrnamt>17274</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>17274</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2033 CORP</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E130</cusip><value>443758</value><shrsOrPrnAmt><sshPrnamt>16809</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>16809</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46982L108</cusip><value>51051</value><shrsOrPrnAmt><sshPrnamt>390</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>390</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>478160104</cusip><value>827802</value><shrsOrPrnAmt><sshPrnamt>5108</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5108</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46625H100</cusip><value>1276757</value><shrsOrPrnAmt><sshPrnamt>6055</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6055</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KELLANOVA</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>487836108</cusip><value>72639</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>LENNAR CORP CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>526057104</cusip><value>21560</value><shrsOrPrnAmt><sshPrnamt>115</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>115</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer><titleOfClass>COMMON 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STOCK</titleOfClass><cusip>548661107</cusip><value>155739</value><shrsOrPrnAmt><sshPrnamt>575</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>575</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>N53745100</cusip><value>9878</value><shrsOrPrnAmt><sshPrnamt>103</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>103</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MARVELL TECHNOLOGY INC</nameOfIssuer><titleOfClass>COMMON 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STOCK</titleOfClass><cusip>580135101</cusip><value>53898</value><shrsOrPrnAmt><sshPrnamt>177</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>177</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MEDTRONIC PLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G5960L103</cusip><value>27009</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>MERCK &amp; CO INC</nameOfIssuer><titleOfClass>COMMON 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ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>1108957</value><shrsOrPrnAmt><sshPrnamt>4675</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4675</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92343V104</cusip><value>88742</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 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STOCK</titleOfClass><cusip>934423104</cusip><value>1601</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>52253</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>69845</value><shrsOrPrnAmt><sshPrnamt>1530</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1530</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>YUM! 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STOCK</titleOfClass><cusip>030420103</cusip><value>35683</value><shrsOrPrnAmt><sshPrnamt>244</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>244</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>031162100</cusip><value>88286</value><shrsOrPrnAmt><sshPrnamt>274</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>274</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMPHENOL CORP CL A</nameOfIssuer><titleOfClass>COMMON 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STOCK</titleOfClass><cusip>126650100</cusip><value>67596</value><shrsOrPrnAmt><sshPrnamt>1075</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1075</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>235851102</cusip><value>98975</value><shrsOrPrnAmt><sshPrnamt>356</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>356</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DEERE &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>244199105</cusip><value>25040</value><shrsOrPrnAmt><sshPrnamt>60</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>60</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DICK'S SPORTING GOODS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>253393102</cusip><value>7305</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>DISNEY WALT CO NEW</nameOfIssuer><titleOfClass>COMMON 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STOCK</titleOfClass><cusip>260557103</cusip><value>2458</value><shrsOrPrnAmt><sshPrnamt>45</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>45</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>26614N102</cusip><value>4010</value><shrsOrPrnAmt><sshPrnamt>45</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>45</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>277432100</cusip><value>32242</value><shrsOrPrnAmt><sshPrnamt>288</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>288</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ECOLAB INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>278865100</cusip><value>7660</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>20280</value><shrsOrPrnAmt><sshPrnamt>39</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>39</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>30231G102</cusip><value>160357</value><shrsOrPrnAmt><sshPrnamt>1368</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1368</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FEDEX CORPORATION</nameOfIssuer><titleOfClass>COMMON 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STOCK</titleOfClass><cusip>36266G107</cusip><value>116937</value><shrsOrPrnAmt><sshPrnamt>1246</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1246</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GE VERNOVA LLC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>36828A101</cusip><value>31873</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>GENERAL DYNAMICS CORP</nameOfIssuer><titleOfClass>COMMON 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STOCK</titleOfClass><cusip>459506101</cusip><value>3463</value><shrsOrPrnAmt><sshPrnamt>33</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>33</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>459200101</cusip><value>45321</value><shrsOrPrnAmt><sshPrnamt>205</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>205</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46982L108</cusip><value>3927</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>JOHNSON &amp; JOHNSON</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>478160104</cusip><value>120735</value><shrsOrPrnAmt><sshPrnamt>745</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>745</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>46625H100</cusip><value>214655</value><shrsOrPrnAmt><sshPrnamt>1018</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1018</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KEYCORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>493267108</cusip><value>34472</value><shrsOrPrnAmt><sshPrnamt>2058</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2058</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>494368103</cusip><value>7114</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KINDER MORGAN INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>49456B101</cusip><value>1105</value><shrsOrPrnAmt><sshPrnamt>50</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>500754106</cusip><value>1756</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>LENNAR CORP CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>526057104</cusip><value>62618</value><shrsOrPrnAmt><sshPrnamt>334</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>334</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>532457108</cusip><value>143522</value><shrsOrPrnAmt><sshPrnamt>162</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>162</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>LOWES COS INC</nameOfIssuer><titleOfClass>COMMON 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STOCK</titleOfClass><cusip>92532F100</cusip><value>54414</value><shrsOrPrnAmt><sshPrnamt>117</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>117</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VISA INC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92826C839</cusip><value>200164</value><shrsOrPrnAmt><sshPrnamt>728</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>728</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>931142103</cusip><value>100130</value><shrsOrPrnAmt><sshPrnamt>1240</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>1240</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>949746101</cusip><value>15422</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>117184</value><shrsOrPrnAmt><sshPrnamt>2567</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2567</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>YUM! BRANDS INC</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>988498101</cusip><value>56862</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>NATIONAL GRID PLC SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>636274409</cusip><value>225243</value><shrsOrPrnAmt><sshPrnamt>3233</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3233</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NOVARTIS AG SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>66987V109</cusip><value>16333</value><shrsOrPrnAmt><sshPrnamt>142</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>142</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SANOFI SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>80105N105</cusip><value>41666</value><shrsOrPrnAmt><sshPrnamt>723</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>723</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VODAFONE GROUP SPONS ADR</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>92857W308</cusip><value>180</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>1023506</value><shrsOrPrnAmt><sshPrnamt>35712</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>35712</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ACCENTURE PLC CL A</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>G1151C101</cusip><value>19441</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>34140</value><shrsOrPrnAmt><sshPrnamt>356</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>356</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer><titleOfClass>COMMON STOCK</titleOfClass><cusip>806857108</cusip><value>13005</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>63280</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>100185</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>39010</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>33101</value><shrsOrPrnAmt><sshPrnamt>377</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>377</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y209</cusip><value>123216</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>89390</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>5139377</value><shrsOrPrnAmt><sshPrnamt>10530</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>10530</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>1972474</value><shrsOrPrnAmt><sshPrnamt>27848</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>27848</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>4210713</value><shrsOrPrnAmt><sshPrnamt>67566</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>67566</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>3733012</value><shrsOrPrnAmt><sshPrnamt>31917</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>31917</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>6922</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>161384</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>75765</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>17188</value><shrsOrPrnAmt><sshPrnamt>605</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>605</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MATERIALS SELECT SECTOR SPDR F</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y100</cusip><value>82501</value><shrsOrPrnAmt><sshPrnamt>856</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>856</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NUVEEN ESG SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>67092P607</cusip><value>66616</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>REAL ESTATE SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y860</cusip><value>43241</value><shrsOrPrnAmt><sshPrnamt>968</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>968</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78463V107</cusip><value>121044</value><shrsOrPrnAmt><sshPrnamt>498</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>498</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>3664414</value><shrsOrPrnAmt><sshPrnamt>69323</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>69323</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>3952</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 HOMEBUILDERS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>78464A888</cusip><value>106872</value><shrsOrPrnAmt><sshPrnamt>858</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>858</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>247291</value><shrsOrPrnAmt><sshPrnamt>431</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>431</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>81369Y803</cusip><value>225760</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>72460</value><shrsOrPrnAmt><sshPrnamt>897</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>897</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANECK GOLD MINERS ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92189F106</cusip><value>17919</value><shrsOrPrnAmt><sshPrnamt>450</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>450</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD ENERGY ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>92204A306</cusip><value>9185</value><shrsOrPrnAmt><sshPrnamt>75</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>75</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD MID-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908629</cusip><value>984877</value><shrsOrPrnAmt><sshPrnamt>3733</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>3733</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>9813079</value><shrsOrPrnAmt><sshPrnamt>18597</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>18597</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>922908751</cusip><value>498141</value><shrsOrPrnAmt><sshPrnamt>2100</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2100</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>20122</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>27849</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>1031568</value><shrsOrPrnAmt><sshPrnamt>40919</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>40919</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>1148501</value><shrsOrPrnAmt><sshPrnamt>45757</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>45757</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>1188635</value><shrsOrPrnAmt><sshPrnamt>48915</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>48915</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>1224032</value><shrsOrPrnAmt><sshPrnamt>50227</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>50227</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>1334606</value><shrsOrPrnAmt><sshPrnamt>52276</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>52276</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>1223014</value><shrsOrPrnAmt><sshPrnamt>52021</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>52021</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>1223008</value><shrsOrPrnAmt><sshPrnamt>55165</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>55165</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>1196171</value><shrsOrPrnAmt><sshPrnamt>56370</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>56370</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>1439786</value><shrsOrPrnAmt><sshPrnamt>56001</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>56001</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2033 CORP</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46436E130</cusip><value>1367282</value><shrsOrPrnAmt><sshPrnamt>51791</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>51791</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2034 TM COR</nameOfIssuer><titleOfClass>OTHER</titleOfClass><cusip>46438G653</cusip><value>75856</value><shrsOrPrnAmt><sshPrnamt>2840</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>SOLE</investmentDiscretion><votingAuthority><Sole>2840</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS 2024 H/Y 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STOCK</titleOfClass><cusip>N53745100</cusip><value>191800</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=720 tableValueTotal=1081470696 -->
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