<SEC-DOCUMENT>0000717538-25-000018.txt : 20250214
<SEC-HEADER>0000717538-25-000018.hdr.sgml : 20250214
<ACCEPTANCE-DATETIME>20250214163914
ACCESSION NUMBER:		0000717538-25-000018
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250214
DATE AS OF CHANGE:		20250214
EFFECTIVENESS DATE:		20250214

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:		25630011

	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
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      <liveTestFlag>LIVE</liveTestFlag>
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          <cik>0000717538</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2024</periodOfReport>
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      <reportCalendarOrQuarter>12-31-2024</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>
      <form13FFileNumber>028-12533</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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    <signatureBlock>
      <name>Penko Ivanov</name>
      <title>Chief FinancialOfficer</title>
      <phone>518-415-4512</phone>
      <signature>/s/ Penko Ivanov</signature>
      <city>Glens Falls</city>
      <stateOrCountry>NY</stateOrCountry>
      <signatureDate>02-14-2025</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>2</otherIncludedManagersCount>
      <tableEntryTotal>486</tableEntryTotal>
      <tableValueTotal>1053463041</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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        <otherManager2>
          <sequenceNumber>2</sequenceNumber>
          <otherManager>
            <cik>0000902882</cik>
            <name>GLENS FALLS NATIONAL BANK &amp; TRUST CO /NY</name>
          </otherManager>
        </otherManager2>
        <otherManager2>
          <sequenceNumber>3</sequenceNumber>
          <otherManager>
            <cik>0001401342</cik>
            <name>North Country Investment Advisers, Inc.</name>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
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<DESCRIPTION>INFORMATION TABLE
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INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>038222105</cusip><value>274032</value><shrsOrPrnAmt><sshPrnamt>1685</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1685</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ARROW FINANCIAL CORPORATION</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>042744102</cusip><value>53349755</value><shrsOrPrnAmt><sshPrnamt>1858229</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1858229</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>053015103</cusip><value>138169</value><shrsOrPrnAmt><sshPrnamt>472</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>472</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>060505104</cusip><value>2631067</value><shrsOrPrnAmt><sshPrnamt>59865</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>59865</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BERKSHIRE HATHAWAY INC-CL 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CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>110122108</cusip><value>305876</value><shrsOrPrnAmt><sshPrnamt>5408</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5408</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>14448C104</cusip><value>46076</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>Equities</titleOfClass><cusip>149123101</cusip><value>2225533</value><shrsOrPrnAmt><sshPrnamt>6135</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6135</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>166764100</cusip><value>875992</value><shrsOrPrnAmt><sshPrnamt>6048</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6048</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>17275R102</cusip><value>3040749</value><shrsOrPrnAmt><sshPrnamt>51364</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>51364</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COCA COLA CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>191216100</cusip><value>1779266</value><shrsOrPrnAmt><sshPrnamt>28578</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>28578</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>194162103</cusip><value>181911</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>COMM. SERV. SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y852</cusip><value>21298</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>CONOCOPHILLIPS</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>20825C104</cusip><value>1364282</value><shrsOrPrnAmt><sshPrnamt>13757</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13757</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS DISC SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y407</cusip><value>115540</value><shrsOrPrnAmt><sshPrnamt>515</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>515</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS STAPLES SELECT SECT SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y308</cusip><value>29164</value><shrsOrPrnAmt><sshPrnamt>371</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>371</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION BRANDS INC CL A</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>21036P108</cusip><value>98566</value><shrsOrPrnAmt><sshPrnamt>446</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>446</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>22160K105</cusip><value>3159299</value><shrsOrPrnAmt><sshPrnamt>3448</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3448</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CUMMINS INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>231021106</cusip><value>1583690</value><shrsOrPrnAmt><sshPrnamt>4543</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4543</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>235851102</cusip><value>1737005</value><shrsOrPrnAmt><sshPrnamt>7567</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7567</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>254687106</cusip><value>2450702</value><shrsOrPrnAmt><sshPrnamt>22009</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>22009</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOLLAR TREE INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>256746108</cusip><value>252997</value><shrsOrPrnAmt><sshPrnamt>3376</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3376</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>25746U109</cusip><value>799875</value><shrsOrPrnAmt><sshPrnamt>14851</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>14851</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EASTMAN CHEMICAL CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>277432100</cusip><value>722980</value><shrsOrPrnAmt><sshPrnamt>7917</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7917</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EATON CORP 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CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>291011104</cusip><value>176105</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>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y506</cusip><value>168579</value><shrsOrPrnAmt><sshPrnamt>1968</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1968</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>30231G102</cusip><value>2561349</value><shrsOrPrnAmt><sshPrnamt>23811</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>23811</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FINANCIAL SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y605</cusip><value>525395</value><shrsOrPrnAmt><sshPrnamt>10871</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10871</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FISERV 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CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>369550108</cusip><value>1623362</value><shrsOrPrnAmt><sshPrnamt>6161</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6161</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y209</cusip><value>330993</value><shrsOrPrnAmt><sshPrnamt>2406</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2406</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HOME DEPOT 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CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>46435U515</cusip><value>12395992</value><shrsOrPrnAmt><sshPrnamt>497831</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>497831</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2028 TERM MUNI</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>46435U325</cusip><value>237901</value><shrsOrPrnAmt><sshPrnamt>9448</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9448</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2029 TERM 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CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>46436E486</cusip><value>12655400</value><shrsOrPrnAmt><sshPrnamt>621887</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>621887</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2032 TC ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>46436E312</cusip><value>12881665</value><shrsOrPrnAmt><sshPrnamt>524071</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>524071</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2033 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CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>949746101</cusip><value>336098</value><shrsOrPrnAmt><sshPrnamt>4785</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4785</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WILLIAMS COS INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>969457100</cusip><value>2077992</value><shrsOrPrnAmt><sshPrnamt>38396</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>38396</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>YUM BRANDS INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>988498101</cusip><value>1223137</value><shrsOrPrnAmt><sshPrnamt>9117</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9117</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>3M CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>88579Y101</cusip><value>380816</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>ABBOTT LABS</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>002824100</cusip><value>48185</value><shrsOrPrnAmt><sshPrnamt>426</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>426</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ABBVIE INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>00287Y109</cusip><value>231010</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>Equities</titleOfClass><cusip>00724F101</cusip><value>84934</value><shrsOrPrnAmt><sshPrnamt>191</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>191</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL A</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>02079K305</cusip><value>1021084</value><shrsOrPrnAmt><sshPrnamt>5394</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5394</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ALPHABET INC CL C</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>02079K107</cusip><value>208532</value><shrsOrPrnAmt><sshPrnamt>1095</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1095</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMAZON.COM INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>023135106</cusip><value>476076</value><shrsOrPrnAmt><sshPrnamt>2170</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2170</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>025816109</cusip><value>296790</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>Equities</titleOfClass><cusip>030420103</cusip><value>31620</value><shrsOrPrnAmt><sshPrnamt>254</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>254</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMGEN INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>031162100</cusip><value>83665</value><shrsOrPrnAmt><sshPrnamt>321</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>321</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AMPHENOL CORP CL A</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>032095101</cusip><value>79729</value><shrsOrPrnAmt><sshPrnamt>1148</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1148</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>APPLE INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>037833100</cusip><value>1663039</value><shrsOrPrnAmt><sshPrnamt>6641</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6641</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ARROW FINANCIAL CORPORATION</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>042744102</cusip><value>335649</value><shrsOrPrnAmt><sshPrnamt>11691</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>11691</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>053015103</cusip><value>691136</value><shrsOrPrnAmt><sshPrnamt>2361</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2361</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>060505104</cusip><value>178217</value><shrsOrPrnAmt><sshPrnamt>4055</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4055</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>084670702</cusip><value>428350</value><shrsOrPrnAmt><sshPrnamt>945</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>945</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>BLACKROCK INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>09290D101</cusip><value>203997</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>BRISTOL MYERS SQUIBB CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>110122108</cusip><value>86820</value><shrsOrPrnAmt><sshPrnamt>1535</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1535</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>14448C104</cusip><value>320822</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>Equities</titleOfClass><cusip>149123101</cusip><value>373280</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>Equities</titleOfClass><cusip>166764100</cusip><value>282293</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>Equities</titleOfClass><cusip>17275R102</cusip><value>74888</value><shrsOrPrnAmt><sshPrnamt>1265</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1265</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COCA COLA CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>191216100</cusip><value>106838</value><shrsOrPrnAmt><sshPrnamt>1716</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1716</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>194162103</cusip><value>501369</value><shrsOrPrnAmt><sshPrnamt>5515</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5515</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMM. SERV. SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y852</cusip><value>633912</value><shrsOrPrnAmt><sshPrnamt>6548</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6548</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>20825C104</cusip><value>112161</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 FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y407</cusip><value>785898</value><shrsOrPrnAmt><sshPrnamt>3503</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3503</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS STAPLES SELECT SECT SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y308</cusip><value>398238</value><shrsOrPrnAmt><sshPrnamt>5066</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5066</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONSTELLATION BRANDS INC CL A</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>21036P108</cusip><value>132379</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>Equities</titleOfClass><cusip>22160K105</cusip><value>82464</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>Equities</titleOfClass><cusip>231021106</cusip><value>50896</value><shrsOrPrnAmt><sshPrnamt>146</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>146</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DANAHER CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>235851102</cusip><value>25021</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>Equities</titleOfClass><cusip>254687106</cusip><value>135736</value><shrsOrPrnAmt><sshPrnamt>1219</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1219</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>25746U109</cusip><value>25476</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>EATON CORP PLC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>G29183103</cusip><value>157638</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>Equities</titleOfClass><cusip>278865100</cusip><value>199172</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>Equities</titleOfClass><cusip>291011104</cusip><value>324697</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>Equities</titleOfClass><cusip>81369Y506</cusip><value>230425</value><shrsOrPrnAmt><sshPrnamt>2690</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2690</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>30231G102</cusip><value>827859</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 FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y605</cusip><value>959930</value><shrsOrPrnAmt><sshPrnamt>19862</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>19862</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>369550108</cusip><value>26349</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>HEALTH CARE SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y209</cusip><value>741777</value><shrsOrPrnAmt><sshPrnamt>5392</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5392</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HOME DEPOT INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>437076102</cusip><value>518524</value><shrsOrPrnAmt><sshPrnamt>1333</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1333</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>438516106</cusip><value>104813</value><shrsOrPrnAmt><sshPrnamt>464</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>464</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y704</cusip><value>535473</value><shrsOrPrnAmt><sshPrnamt>4064</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4064</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>45687V106</cusip><value>60608</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>INTERCONTINENTAL EXCHANGE GROUP, 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CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>46436E486</cusip><value>429263</value><shrsOrPrnAmt><sshPrnamt>21094</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>21094</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2032 TC ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>46436E312</cusip><value>427471</value><shrsOrPrnAmt><sshPrnamt>17391</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>17391</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ISHARES IBONDS DEC 2033 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JOHNSON</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>478160104</cusip><value>737417</value><shrsOrPrnAmt><sshPrnamt>5099</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5099</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>46625H100</cusip><value>1451444</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>LENNAR CORP CL 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