<SEC-DOCUMENT>0000717538-25-000082.txt : 20250811
<SEC-HEADER>0000717538-25-000082.hdr.sgml : 20250811
<ACCEPTANCE-DATETIME>20250811142609
ACCESSION NUMBER:		0000717538-25-000082
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250630
FILED AS OF DATE:		20250811
DATE AS OF CHANGE:		20250811
EFFECTIVENESS DATE:		20250811

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			ARROW FINANCIAL CORP
		CENTRAL INDEX KEY:			0000717538
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		EIN:				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:		251201482

	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>
        <returnCopyFlag>false</returnCopyFlag>
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      <filer>
        <credentials>
          <cik>0000717538</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>06-30-2025</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>06-30-2025</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>
    </coverPage>
    <signatureBlock>
      <name>Penko Ivanov</name>
      <title>Chief Financial Officer</title>
      <phone>518-415-4512</phone>
      <signature>/s/ Penko Ivanov</signature>
      <city>Glens Falls</city>
      <stateOrCountry>NY</stateOrCountry>
      <signatureDate>08-08-2025</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>1</otherIncludedManagersCount>
      <tableEntryTotal>286</tableEntryTotal>
      <tableValueTotal>949676486</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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          <sequenceNumber>2</sequenceNumber>
          <otherManager>
            <cik>0000902882</cik>
            <name>ARROW BANK NATIONAL ASSOCIATION</name>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
<SEQUENCE>2
<FILENAME>information_table.xml
<DESCRIPTION>INFORMATION TABLE
<TEXT>
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A</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>57636Q104</cusip><value>2035347</value><shrsOrPrnAmt><sshPrnamt>3622</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3622</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MCDONALDS CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>580135101</cusip><value>2621057</value><shrsOrPrnAmt><sshPrnamt>8971</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8971</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>58933Y105</cusip><value>559028</value><shrsOrPrnAmt><sshPrnamt>7062</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7062</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>594918104</cusip><value>15361016</value><shrsOrPrnAmt><sshPrnamt>30882</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>30882</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MORGAN STANLEY</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>617446448</cusip><value>2149805</value><shrsOrPrnAmt><sshPrnamt>15262</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>15262</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NATIONAL GRID PLC SPONS ADR</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>636274409</cusip><value>240568</value><shrsOrPrnAmt><sshPrnamt>3233</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3233</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NETFLIX INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>64110L106</cusip><value>4220938</value><shrsOrPrnAmt><sshPrnamt>3152</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3152</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>65339F101</cusip><value>476915</value><shrsOrPrnAmt><sshPrnamt>6870</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6870</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NVIDIA CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>67066G104</cusip><value>14808561</value><shrsOrPrnAmt><sshPrnamt>93731</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>93731</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NUVEEN ESG SMALL-CAP ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>67092P607</cusip><value>209811</value><shrsOrPrnAmt><sshPrnamt>5150</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5150</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORACLE CORPORATION</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>68389X105</cusip><value>6077258</value><shrsOrPrnAmt><sshPrnamt>27797</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>27797</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>697435105</cusip><value>2062362</value><shrsOrPrnAmt><sshPrnamt>10078</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10078</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYCHEX INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>704326107</cusip><value>319721</value><shrsOrPrnAmt><sshPrnamt>2198</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2198</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>70450Y103</cusip><value>224892</value><shrsOrPrnAmt><sshPrnamt>3026</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3026</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>713448108</cusip><value>952272</value><shrsOrPrnAmt><sshPrnamt>7212</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7212</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>717081103</cusip><value>68017</value><shrsOrPrnAmt><sshPrnamt>2806</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2806</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PIMCO ENHANCED SHORT MATURITY ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>72201R833</cusip><value>1316104</value><shrsOrPrnAmt><sshPrnamt>13091</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13091</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>74144T108</cusip><value>140215</value><shrsOrPrnAmt><sshPrnamt>1453</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1453</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>742718109</cusip><value>2580187</value><shrsOrPrnAmt><sshPrnamt>16195</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>16195</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUANTA SERVICES INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>74762E102</cusip><value>1594741</value><shrsOrPrnAmt><sshPrnamt>4218</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4218</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>75513E101</cusip><value>303430</value><shrsOrPrnAmt><sshPrnamt>2078</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2078</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>78462F103</cusip><value>4519573</value><shrsOrPrnAmt><sshPrnamt>7315</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7315</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>78463V107</cusip><value>535586</value><shrsOrPrnAmt><sshPrnamt>1757</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1757</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 GROWTH ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>78464A409</cusip><value>461539</value><shrsOrPrnAmt><sshPrnamt>4842</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4842</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 VALUE ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>78464A508</cusip><value>41764075</value><shrsOrPrnAmt><sshPrnamt>797938</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>797938</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P DIVIDEND ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>78464A763</cusip><value>233320</value><shrsOrPrnAmt><sshPrnamt>1719</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1719</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>79466L302</cusip><value>4096895</value><shrsOrPrnAmt><sshPrnamt>15024</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>15024</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MATERIALS SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y100</cusip><value>1188967</value><shrsOrPrnAmt><sshPrnamt>13542</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13542</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>452355</value><shrsOrPrnAmt><sshPrnamt>3356</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3356</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>68096</value><shrsOrPrnAmt><sshPrnamt>841</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>841</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>219503</value><shrsOrPrnAmt><sshPrnamt>1010</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1010</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y506</cusip><value>191416</value><shrsOrPrnAmt><sshPrnamt>2257</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2257</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FINANCIAL SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y605</cusip><value>660176</value><shrsOrPrnAmt><sshPrnamt>12606</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>12606</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y704</cusip><value>479440</value><shrsOrPrnAmt><sshPrnamt>3250</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3250</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y803</cusip><value>929861</value><shrsOrPrnAmt><sshPrnamt>3672</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3672</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>99848</value><shrsOrPrnAmt><sshPrnamt>920</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>920</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REAL ESTATE SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y860</cusip><value>9622819</value><shrsOrPrnAmt><sshPrnamt>232323</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>232323</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UTILITIES SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y886</cusip><value>841506</value><shrsOrPrnAmt><sshPrnamt>10305</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10305</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SNOWFLAKE INC CL A</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>833445109</cusip><value>650052</value><shrsOrPrnAmt><sshPrnamt>2905</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2905</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>842587107</cusip><value>417643</value><shrsOrPrnAmt><sshPrnamt>4548</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4548</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STARBUCKS CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>855244109</cusip><value>243094</value><shrsOrPrnAmt><sshPrnamt>2653</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2653</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>863667101</cusip><value>3005601</value><shrsOrPrnAmt><sshPrnamt>7597</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7597</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>871829107</cusip><value>916908</value><shrsOrPrnAmt><sshPrnamt>12106</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>12106</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>872540109</cusip><value>2575878</value><shrsOrPrnAmt><sshPrnamt>20859</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>20859</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T-MOBILE US INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>872590104</cusip><value>2478142</value><shrsOrPrnAmt><sshPrnamt>10401</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10401</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TERADYNE INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>880770102</cusip><value>763601</value><shrsOrPrnAmt><sshPrnamt>8492</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8492</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>88160R101</cusip><value>1335125</value><shrsOrPrnAmt><sshPrnamt>4203</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4203</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>882508104</cusip><value>759682</value><shrsOrPrnAmt><sshPrnamt>3659</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3659</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>883556102</cusip><value>1986349</value><shrsOrPrnAmt><sshPrnamt>4899</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4899</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>3M CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>88579Y101</cusip><value>254241</value><shrsOrPrnAmt><sshPrnamt>1670</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1670</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>89417E109</cusip><value>2344988</value><shrsOrPrnAmt><sshPrnamt>8765</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8765</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>90353T100</cusip><value>233250</value><shrsOrPrnAmt><sshPrnamt>2500</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2500</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>907818108</cusip><value>1845012</value><shrsOrPrnAmt><sshPrnamt>8019</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8019</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP 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INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>697435105</cusip><value>115417</value><shrsOrPrnAmt><sshPrnamt>564</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>564</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYCHEX INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>704326107</cusip><value>86549</value><shrsOrPrnAmt><sshPrnamt>595</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>595</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>713448108</cusip><value>376446</value><shrsOrPrnAmt><sshPrnamt>2851</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2851</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>717081103</cusip><value>227856</value><shrsOrPrnAmt><sshPrnamt>9400</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>9400</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PIMCO ENHANCED SHORT MATURITY ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>72201R833</cusip><value>99027</value><shrsOrPrnAmt><sshPrnamt>985</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>985</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>74144T108</cusip><value>84438</value><shrsOrPrnAmt><sshPrnamt>875</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>875</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>742718109</cusip><value>502336</value><shrsOrPrnAmt><sshPrnamt>3153</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3153</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUANTA SERVICES INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>74762E102</cusip><value>54444</value><shrsOrPrnAmt><sshPrnamt>144</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>144</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>75513E101</cusip><value>758574</value><shrsOrPrnAmt><sshPrnamt>5195</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5195</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 VALUE ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>78464A508</cusip><value>85105</value><shrsOrPrnAmt><sshPrnamt>1626</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1626</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>79466L302</cusip><value>218697</value><shrsOrPrnAmt><sshPrnamt>802</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>802</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MATERIALS SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y100</cusip><value>149960</value><shrsOrPrnAmt><sshPrnamt>1708</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1708</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y209</cusip><value>427150</value><shrsOrPrnAmt><sshPrnamt>3169</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3169</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS STAPLES SELECT SECT SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y308</cusip><value>228902</value><shrsOrPrnAmt><sshPrnamt>2827</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2827</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS DISC SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y407</cusip><value>455306</value><shrsOrPrnAmt><sshPrnamt>2095</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2095</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y506</cusip><value>132304</value><shrsOrPrnAmt><sshPrnamt>1560</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1560</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FINANCIAL SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y605</cusip><value>600003</value><shrsOrPrnAmt><sshPrnamt>11457</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>11457</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y704</cusip><value>347705</value><shrsOrPrnAmt><sshPrnamt>2357</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2357</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y803</cusip><value>1338067</value><shrsOrPrnAmt><sshPrnamt>5284</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>5284</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMM. SERV. SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y852</cusip><value>406553</value><shrsOrPrnAmt><sshPrnamt>3746</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3746</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REAL ESTATE SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y860</cusip><value>102059</value><shrsOrPrnAmt><sshPrnamt>2464</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2464</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UTILITIES SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y886</cusip><value>106566</value><shrsOrPrnAmt><sshPrnamt>1305</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1305</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SNOWFLAKE INC CL A</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>833445109</cusip><value>34013</value><shrsOrPrnAmt><sshPrnamt>152</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>152</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>842587107</cusip><value>27549</value><shrsOrPrnAmt><sshPrnamt>300</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>300</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STARBUCKS CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>855244109</cusip><value>166308</value><shrsOrPrnAmt><sshPrnamt>1815</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1815</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>863667101</cusip><value>464074</value><shrsOrPrnAmt><sshPrnamt>1173</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1173</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>871829107</cusip><value>19692</value><shrsOrPrnAmt><sshPrnamt>260</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>260</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>872540109</cusip><value>240188</value><shrsOrPrnAmt><sshPrnamt>1945</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1945</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T-MOBILE US INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>872590104</cusip><value>59327</value><shrsOrPrnAmt><sshPrnamt>249</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>249</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TERADYNE INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>880770102</cusip><value>44690</value><shrsOrPrnAmt><sshPrnamt>497</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>497</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>88160R101</cusip><value>69250</value><shrsOrPrnAmt><sshPrnamt>218</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>218</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>883556102</cusip><value>93256</value><shrsOrPrnAmt><sshPrnamt>230</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>230</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>3M CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>88579Y101</cusip><value>449108</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>TRAVELERS COMPANIES INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>89417E109</cusip><value>24881</value><shrsOrPrnAmt><sshPrnamt>93</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>93</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>907818108</cusip><value>98244</value><shrsOrPrnAmt><sshPrnamt>427</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>427</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>91324P102</cusip><value>92967</value><shrsOrPrnAmt><sshPrnamt>298</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>298</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SHORT TERM CORP BOND ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>92206C409</cusip><value>487097</value><shrsOrPrnAmt><sshPrnamt>6127</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>6127</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>922908363</cusip><value>1101410</value><shrsOrPrnAmt><sshPrnamt>1939</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1939</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>922908553</cusip><value>133590</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>VANGUARD MID-CAP ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>922908629</cusip><value>2813384</value><shrsOrPrnAmt><sshPrnamt>10054</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10054</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>922908751</cusip><value>913084</value><shrsOrPrnAmt><sshPrnamt>3853</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3853</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>92343V104</cusip><value>85502</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>Equities</titleOfClass><cusip>92532F100</cusip><value>194107</value><shrsOrPrnAmt><sshPrnamt>436</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>436</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VISA INC CL A</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>92826C839</cusip><value>447363</value><shrsOrPrnAmt><sshPrnamt>1260</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1260</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>931142103</cusip><value>173560</value><shrsOrPrnAmt><sshPrnamt>1775</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1775</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>949746101</cusip><value>74111</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>Equities</titleOfClass><cusip>969457100</cusip><value>79643</value><shrsOrPrnAmt><sshPrnamt>1268</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1268</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>YUM BRANDS INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>988498101</cusip><value>10669</value><shrsOrPrnAmt><sshPrnamt>72</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>72</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>EATON CORP PLC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>G29183103</cusip><value>169570</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>LYONDELLBASELL INDUSTRIES NV</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>N53745100</cusip><value>5960</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></informationTable><!-- Other Managers: 2|ARROW BANK NATIONAL ASSOCIATION||0000902882|| --><!-- tableEntryCount=286 tableValueTotal=949676486 -->
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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
