<SEC-DOCUMENT>0000717538-25-000086.txt : 20251021
<SEC-HEADER>0000717538-25-000086.hdr.sgml : 20251021
<ACCEPTANCE-DATETIME>20251021170625
ACCESSION NUMBER:		0000717538-25-000086
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250930
FILED AS OF DATE:		20251021
DATE AS OF CHANGE:		20251021
EFFECTIVENESS DATE:		20251021

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:		251407850

	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>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>09-30-2025</periodOfReport>
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      <reportCalendarOrQuarter>09-30-2025</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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      <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>10-21-2025</signatureDate>
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    <summaryPage>
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      <tableEntryTotal>288</tableEntryTotal>
      <tableValueTotal>977985527</tableValueTotal>
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            <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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CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>580135101</cusip><value>2732883</value><shrsOrPrnAmt><sshPrnamt>8993</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8993</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>58933Y105</cusip><value>321452</value><shrsOrPrnAmt><sshPrnamt>3830</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3830</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MICROSOFT CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>594918104</cusip><value>15983419</value><shrsOrPrnAmt><sshPrnamt>30859</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>30859</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MORGAN STANLEY</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>617446448</cusip><value>2405383</value><shrsOrPrnAmt><sshPrnamt>15132</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>15132</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NETFLIX INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>64110L106</cusip><value>3654308</value><shrsOrPrnAmt><sshPrnamt>3048</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3048</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>65339F101</cusip><value>473322</value><shrsOrPrnAmt><sshPrnamt>6270</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6270</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>655844108</cusip><value>227410</value><shrsOrPrnAmt><sshPrnamt>757</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>757</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NVIDIA CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>67066G104</cusip><value>17138306</value><shrsOrPrnAmt><sshPrnamt>91855</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>91855</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>NUVEEN ESG SMALL-CAP ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>67092P607</cusip><value>227115</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>OPKO HEALTH INC COM</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>68375N103</cusip><value>38750</value><shrsOrPrnAmt><sshPrnamt>25000</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>25000</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ORACLE CORPORATION</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>68389X105</cusip><value>7477047</value><shrsOrPrnAmt><sshPrnamt>26586</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>26586</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>697435105</cusip><value>2236358</value><shrsOrPrnAmt><sshPrnamt>10983</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10983</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PAYCHEX INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>704326107</cusip><value>226013</value><shrsOrPrnAmt><sshPrnamt>1783</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1783</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>713448108</cusip><value>1071417</value><shrsOrPrnAmt><sshPrnamt>7629</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7629</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>717081103</cusip><value>66070</value><shrsOrPrnAmt><sshPrnamt>2593</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2593</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PIMCO ENHANCED SHORT MATURITY ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>72201R833</cusip><value>915071</value><shrsOrPrnAmt><sshPrnamt>9088</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>9088</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>74144T108</cusip><value>146570</value><shrsOrPrnAmt><sshPrnamt>1428</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1428</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>742718109</cusip><value>2487594</value><shrsOrPrnAmt><sshPrnamt>16190</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>16190</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUANTA SERVICES INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>74762E102</cusip><value>1783664</value><shrsOrPrnAmt><sshPrnamt>4304</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4304</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>75513E101</cusip><value>357919</value><shrsOrPrnAmt><sshPrnamt>2139</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2139</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>4928400</value><shrsOrPrnAmt><sshPrnamt>7398</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7398</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>78463V107</cusip><value>612119</value><shrsOrPrnAmt><sshPrnamt>1722</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1722</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>506037</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>43328204</value><shrsOrPrnAmt><sshPrnamt>783087</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>783087</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>229962</value><shrsOrPrnAmt><sshPrnamt>1642</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1642</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>79466L302</cusip><value>3531063</value><shrsOrPrnAmt><sshPrnamt>14899</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>14899</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>MATERIALS SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y100</cusip><value>1232383</value><shrsOrPrnAmt><sshPrnamt>13753</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>13753</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>467055</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>65909</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>242036</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>200300</value><shrsOrPrnAmt><sshPrnamt>2242</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2242</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FINANCIAL SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y605</cusip><value>679085</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>501248</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>1034990</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>108900</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>10307315</value><shrsOrPrnAmt><sshPrnamt>244655</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>244655</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UTILITIES SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y886</cusip><value>759425</value><shrsOrPrnAmt><sshPrnamt>8708</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8708</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>824348106</cusip><value>206717</value><shrsOrPrnAmt><sshPrnamt>597</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>597</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SNOWFLAKE INC CL A</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>833445109</cusip><value>637179</value><shrsOrPrnAmt><sshPrnamt>2825</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2825</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>842587107</cusip><value>515738</value><shrsOrPrnAmt><sshPrnamt>5442</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5442</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STARBUCKS CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>855244109</cusip><value>215984</value><shrsOrPrnAmt><sshPrnamt>2553</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2553</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>STRYKER CORPORATION</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>863667101</cusip><value>2681956</value><shrsOrPrnAmt><sshPrnamt>7255</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7255</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SYSCO CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>871829107</cusip><value>957285</value><shrsOrPrnAmt><sshPrnamt>11626</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>11626</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TJX COS INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>872540109</cusip><value>2898316</value><shrsOrPrnAmt><sshPrnamt>20052</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>20052</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>T-MOBILE US INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>872590104</cusip><value>2499127</value><shrsOrPrnAmt><sshPrnamt>10440</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>10440</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TERADYNE INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>880770102</cusip><value>930584</value><shrsOrPrnAmt><sshPrnamt>6761</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>6761</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TESLA INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>88160R101</cusip><value>1870048</value><shrsOrPrnAmt><sshPrnamt>4205</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>4205</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>882508104</cusip><value>632215</value><shrsOrPrnAmt><sshPrnamt>3441</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>3441</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>883556102</cusip><value>2500763</value><shrsOrPrnAmt><sshPrnamt>5156</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>5156</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>3M CO</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>88579Y101</cusip><value>242857</value><shrsOrPrnAmt><sshPrnamt>1565</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>1565</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TORONTO DOMINION BANK</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>891160509</cusip><value>46691</value><shrsOrPrnAmt><sshPrnamt>584</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>584</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>89417E109</cusip><value>2385935</value><shrsOrPrnAmt><sshPrnamt>8545</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>8545</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>90353T100</cusip><value>261482</value><shrsOrPrnAmt><sshPrnamt>2669</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>2669</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNION PAC CORP</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>907818108</cusip><value>1819576</value><shrsOrPrnAmt><sshPrnamt>7698</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>7698</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UNITEDHEALTH GROUP 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INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>713448108</cusip><value>400394</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>239512</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>99180</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>89810</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>484458</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>59676</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>869279</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>88362</value><shrsOrPrnAmt><sshPrnamt>1597</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1597</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>79466L302</cusip><value>190074</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>143194</value><shrsOrPrnAmt><sshPrnamt>1598</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1598</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y209</cusip><value>352239</value><shrsOrPrnAmt><sshPrnamt>2531</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2531</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS STAPLES SELECT SECT SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y308</cusip><value>194828</value><shrsOrPrnAmt><sshPrnamt>2486</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2486</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>CONS DISC SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y407</cusip><value>433988</value><shrsOrPrnAmt><sshPrnamt>1811</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1811</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y506</cusip><value>105421</value><shrsOrPrnAmt><sshPrnamt>1180</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1180</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>FINANCIAL SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y605</cusip><value>550875</value><shrsOrPrnAmt><sshPrnamt>10226</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>10226</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y704</cusip><value>326813</value><shrsOrPrnAmt><sshPrnamt>2119</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2119</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y803</cusip><value>1343345</value><shrsOrPrnAmt><sshPrnamt>4766</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>4766</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>COMM. SERV. SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y852</cusip><value>385294</value><shrsOrPrnAmt><sshPrnamt>3255</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3255</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REAL ESTATE SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y860</cusip><value>163338</value><shrsOrPrnAmt><sshPrnamt>3877</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>3877</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>UTILITIES SELECT SECTOR SPDR FUND</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>81369Y886</cusip><value>126803</value><shrsOrPrnAmt><sshPrnamt>1454</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1454</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SNOWFLAKE INC CL A</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>833445109</cusip><value>34284</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>28431</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>153549</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>433623</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>21408</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>281130</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>59606</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>68407</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>96949</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>111555</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>457781</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>TORONTO DOMINION BANK</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>891160509</cusip><value>166616</value><shrsOrPrnAmt><sshPrnamt>2084</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>2084</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>89417E109</cusip><value>25967</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>100930</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>102899</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>489731</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>1147600</value><shrsOrPrnAmt><sshPrnamt>1874</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1874</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>922908553</cusip><value>137130</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>2932965</value><shrsOrPrnAmt><sshPrnamt>9985</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>9985</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>922908751</cusip><value>979741</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>86845</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>170755</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>428432</value><shrsOrPrnAmt><sshPrnamt>1255</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>OTR</investmentDiscretion><otherManager>2</otherManager><votingAuthority><Sole>0</Sole><Shared>1255</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>WALMART INC</nameOfIssuer><titleOfClass>Equities</titleOfClass><cusip>931142103</cusip><value>182932</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>77534</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>80328</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>10944</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>177769</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>5051</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=288 tableValueTotal=977985527 -->
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</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
