<SEC-DOCUMENT>0001437749-25-004065.txt : 20250218
<SEC-HEADER>0001437749-25-004065.hdr.sgml : 20250218
<ACCEPTANCE-DATETIME>20250214175220
ACCESSION NUMBER:		0001437749-25-004065
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20241231
FILED AS OF DATE:		20250218
DATE AS OF CHANGE:		20250214
EFFECTIVENESS DATE:		20250218

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMES NATIONAL CORP
		CENTRAL INDEX KEY:			0001132651
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				421039071
		STATE OF INCORPORATION:			X1
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-25350
		FILM NUMBER:		25631451

	BUSINESS ADDRESS:	
		STREET 1:		PO BOX 846
		CITY:			AMES
		STATE:			IA
		ZIP:			50010
		BUSINESS PHONE:		5152326251

	MAIL ADDRESS:	
		STREET 1:		PO BOX 846
		CITY:			AMES
		STATE:			IA
		ZIP:			50010
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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      <liveTestFlag>LIVE</liveTestFlag>
      <filer>
        <credentials>
          <cik>0001132651</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
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      <periodOfReport>12-31-2024</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>12-31-2024</reportCalendarOrQuarter>
      <filingManager>
        <name>AMES NATIONAL CORP</name>
        <address>
          <com:street1>PO BOX 846</com:street1>
          <com:city>AMES</com:city>
          <com:stateOrCountry>IA</com:stateOrCountry>
          <com:zipCode>50010</com:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-25350</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>John P. Nelson</name>
      <title>President/CEO</title>
      <phone>515-620-5918</phone>
      <signature>/s/ John P. Nelson</signature>
      <city>Ames</city>
      <stateOrCountry>IA</stateOrCountry>
      <signatureDate>02-14-2025</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>121</tableEntryTotal>
      <tableValueTotal>148512853</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>535</Sole>
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<None>0</None>
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<infoTable>
<nameOfIssuer>Deere &amp; Co</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>244199105</cusip>
<value>221595</value>
<shrsOrPrnAmt>
<sshPrnamt>523</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>523</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Walt Disney</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>254687106</cusip>
<value>109568</value>
<shrsOrPrnAmt>
<sshPrnamt>984</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>984</Sole>
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<None>0</None>
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<infoTable>
<nameOfIssuer>Walt Disney</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>254687106</cusip>
<value>315455</value>
<shrsOrPrnAmt>
<sshPrnamt>2833</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
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<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>2833</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Emerson Electric</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>291011104</cusip>
<value>272646</value>
<shrsOrPrnAmt>
<sshPrnamt>2200</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>2200</Sole>
<Shared>0</Shared>
<None>0</None>
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<infoTable>
<nameOfIssuer>Exxon Mobil</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<shrsOrPrnAmt>
<sshPrnamt>4809</sshPrnamt>
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<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
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<Sole>4809</Sole>
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<None>0</None>
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<infoTable>
<nameOfIssuer>Exxon Mobil</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<shrsOrPrnAmt>
<sshPrnamt>4262</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
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<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>4262</Sole>
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<None>0</None>
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<infoTable>
<nameOfIssuer>General Dynamics</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>369550108</cusip>
<value>723807</value>
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<sshPrnamt>2747</sshPrnamt>
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<investmentDiscretion>DFND</investmentDiscretion>
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<votingAuthority>
<Sole>2747</Sole>
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<None>0</None>
</votingAuthority>
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<infoTable>
<nameOfIssuer>Home Depot</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>437076102</cusip>
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<shrsOrPrnAmt>
<sshPrnamt>6466</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>6466</Sole>
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<None>0</None>
</votingAuthority>
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<infoTable>
<nameOfIssuer>Home Depot</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>437076102</cusip>
<value>819878</value>
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<sshPrnamt>2108</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>2108</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>iShares Core S&amp;P 500 Index</nameOfIssuer>
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<cusip>464287200</cusip>
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<sshPrnamt>36586</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>36586</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>iShares Core S&amp;P 500 Index</nameOfIssuer>
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<cusip>464287200</cusip>
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<shrsOrPrnAmt>
<sshPrnamt>14738</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>14738</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>iShares Core US Aggregate Bond</nameOfIssuer>
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<cusip>464287226</cusip>
<value>7835334</value>
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<sshPrnamt>80860</sshPrnamt>
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<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>80860</Sole>
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<None>0</None>
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<infoTable>
<nameOfIssuer>iShares Core US Aggregate Bond</nameOfIssuer>
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<cusip>464287226</cusip>
<value>2349147</value>
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<sshPrnamt>24243</sshPrnamt>
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<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>24243</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>iShares Russell Mid-Cap Index</nameOfIssuer>
<titleOfClass>RUS MID CAP ETF</titleOfClass>
<cusip>464287499</cusip>
<value>3695385</value>
<shrsOrPrnAmt>
<sshPrnamt>41803</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>41803</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>iShares Russell Mid-Cap Index</nameOfIssuer>
<titleOfClass>RUS MID CAP ETF</titleOfClass>
<cusip>464287499</cusip>
<value>1764022</value>
<shrsOrPrnAmt>
<sshPrnamt>19955</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>19955</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>iShares Core S&amp;P Mid-Cap</nameOfIssuer>
<titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
<cusip>464287507</cusip>
<value>1898461</value>
<shrsOrPrnAmt>
<sshPrnamt>30468</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>30468</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>iShares Core S&amp;P Mid-Cap</nameOfIssuer>
<titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
<cusip>464287507</cusip>
<value>697560</value>
<shrsOrPrnAmt>
<sshPrnamt>11195</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>11195</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>iShares Russell 2000 Index</nameOfIssuer>
<titleOfClass>RUSSELL 2000 ETF</titleOfClass>
<cusip>464287655</cusip>
<value>2429897</value>
<shrsOrPrnAmt>
<sshPrnamt>10997</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>10997</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>iShares Russell 2000 Index</nameOfIssuer>
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<cusip>464287655</cusip>
<value>1585388</value>
<shrsOrPrnAmt>
<sshPrnamt>7175</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>7175</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>iShares Core S&amp;P Small-Cap</nameOfIssuer>
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<cusip>464287804</cusip>
<value>1153007</value>
<shrsOrPrnAmt>
<sshPrnamt>10007</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>10007</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>iShares Core S&amp;P Small-Cap</nameOfIssuer>
<titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
<cusip>464287804</cusip>
<value>462608</value>
<shrsOrPrnAmt>
<sshPrnamt>4015</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>4015</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>iShares Short Treasury Bond</nameOfIssuer>
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<cusip>464288679</cusip>
<value>237948</value>
<shrsOrPrnAmt>
<sshPrnamt>2161</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>2161</Sole>
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<None>0</None>
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<infoTable>
<nameOfIssuer>iShares Preferred and Income Securities</nameOfIssuer>
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<cusip>464288687</cusip>
<value>336471</value>
<shrsOrPrnAmt>
<sshPrnamt>10702</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>10702</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>iShares Preferred and Income Securities</nameOfIssuer>
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<cusip>464288687</cusip>
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<sshPrnamt>18710</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>18710</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JPMorgan Chase</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>46625H100</cusip>
<value>945416</value>
<shrsOrPrnAmt>
<sshPrnamt>3944</sshPrnamt>
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<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>3944</Sole>
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</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>JPMorgan Chase</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>46625H100</cusip>
<value>1274298</value>
<shrsOrPrnAmt>
<sshPrnamt>5316</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>5316</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>478160104</cusip>
<value>1559871</value>
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<sshPrnamt>10786</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>10786</Sole>
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</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>478160104</cusip>
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<shrsOrPrnAmt>
<sshPrnamt>2371</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>2371</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>McDonald's</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>580135101</cusip>
<value>773716</value>
<shrsOrPrnAmt>
<sshPrnamt>2669</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>2669</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>McDonald's</nameOfIssuer>
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<cusip>580135101</cusip>
<value>875758</value>
<shrsOrPrnAmt>
<sshPrnamt>3021</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>3021</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Merck</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>58933Y105</cusip>
<value>205625</value>
<shrsOrPrnAmt>
<sshPrnamt>2067</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>2067</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Merck</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>58933Y105</cusip>
<value>763211</value>
<shrsOrPrnAmt>
<sshPrnamt>7672</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>7672</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Microsoft</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>594918104</cusip>
<value>5613537</value>
<shrsOrPrnAmt>
<sshPrnamt>13318</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>13318</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Microsoft</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>594918104</cusip>
<value>2316143</value>
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<sshPrnamt>5495</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>5495</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Nike</nameOfIssuer>
<titleOfClass>CL B</titleOfClass>
<cusip>654106103</cusip>
<value>470440</value>
<shrsOrPrnAmt>
<sshPrnamt>6217</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>6217</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Nike</nameOfIssuer>
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<cusip>654106103</cusip>
<value>8399</value>
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<sshPrnamt>111</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>111</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Norfolk Southern</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>655844108</cusip>
<value>211230</value>
<shrsOrPrnAmt>
<sshPrnamt>900</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
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<Sole>900</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Norfolk Southern Corp</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>655844108</cusip>
<value>305110</value>
<shrsOrPrnAmt>
<sshPrnamt>1300</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>1300</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PPG Industries</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>693506107</cusip>
<value>549231</value>
<shrsOrPrnAmt>
<sshPrnamt>4598</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>4598</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PepsiCo</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>713448108</cusip>
<value>373459</value>
<shrsOrPrnAmt>
<sshPrnamt>2456</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>2456</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>PepsiCo</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>713448108</cusip>
<value>298950</value>
<shrsOrPrnAmt>
<sshPrnamt>1966</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>1966</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Pfizer</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>717081103</cusip>
<value>363673</value>
<shrsOrPrnAmt>
<sshPrnamt>13708</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>13708</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Pfizer Inc</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>717081103</cusip>
<value>65105</value>
<shrsOrPrnAmt>
<sshPrnamt>2454</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>2454</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>742718109</cusip>
<value>1414798</value>
<shrsOrPrnAmt>
<sshPrnamt>8439</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>8439</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>742718109</cusip>
<value>659248</value>
<shrsOrPrnAmt>
<sshPrnamt>3596</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>3596</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Qualcomm</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>747525103</cusip>
<value>263612</value>
<shrsOrPrnAmt>
<sshPrnamt>1716</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>1716</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Qualcomm</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>747525103</cusip>
<value>409858</value>
<shrsOrPrnAmt>
<sshPrnamt>2668</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>2668</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>RTX Corporation</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>75513E101</cusip>
<value>83087</value>
<shrsOrPrnAmt>
<sshPrnamt>718</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>718</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>RTX Corporation</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>75513E101</cusip>
<value>180523</value>
<shrsOrPrnAmt>
<sshPrnamt>1560</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>1560</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>SPDR S&amp;P 500</nameOfIssuer>
<titleOfClass>TR UNIT</titleOfClass>
<cusip>78462F103</cusip>
<value>514578</value>
<shrsOrPrnAmt>
<sshPrnamt>878</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>878</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Technology Select Sector SPDR</nameOfIssuer>
<titleOfClass>TECHNOLOGY</titleOfClass>
<cusip>81369Y803</cusip>
<value>3195987</value>
<shrsOrPrnAmt>
<sshPrnamt>13745</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>13745</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Stryker</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>863667101</cusip>
<value>268237</value>
<shrsOrPrnAmt>
<sshPrnamt>745</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>745</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Sysco</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>871829107</cusip>
<value>433528</value>
<shrsOrPrnAmt>
<sshPrnamt>5670</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>5670</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Sysco</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>871829107</cusip>
<value>35554</value>
<shrsOrPrnAmt>
<sshPrnamt>465</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>465</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Travelers Companies</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>89417E109</cusip>
<value>1399812</value>
<shrsOrPrnAmt>
<sshPrnamt>5811</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>5811</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Travelers Companies</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>89417E109</cusip>
<value>174886</value>
<shrsOrPrnAmt>
<sshPrnamt>726</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>726</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Union Pacific</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>907818108</cusip>
<value>399070</value>
<shrsOrPrnAmt>
<sshPrnamt>1750</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>1750</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Union Pacific</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>907818108</cusip>
<value>927439</value>
<shrsOrPrnAmt>
<sshPrnamt>4067</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>4067</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>UnitedHealth Group</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>91324P102</cusip>
<value>235731</value>
<shrsOrPrnAmt>
<sshPrnamt>466</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>466</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>UnitedHealth Group</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>91324P102</cusip>
<value>864009</value>
<shrsOrPrnAmt>
<sshPrnamt>1708</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>1708</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard Total International Stock</nameOfIssuer>
<titleOfClass>VG TL INTL STK F</titleOfClass>
<cusip>921909768</cusip>
<value>2670767</value>
<shrsOrPrnAmt>
<sshPrnamt>45321</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>45321</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard Total International Stock</nameOfIssuer>
<titleOfClass>VG TL INTL STK F</titleOfClass>
<cusip>921909768</cusip>
<value>1583154</value>
<shrsOrPrnAmt>
<sshPrnamt>26865</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>26865</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard Short-Term Bond</nameOfIssuer>
<titleOfClass>SHORT TRM BOND</titleOfClass>
<cusip>921937827</cusip>
<value>8178720</value>
<shrsOrPrnAmt>
<sshPrnamt>105846</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>105846</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard Short-Term Bond</nameOfIssuer>
<titleOfClass>SHORT TRM BOND</titleOfClass>
<cusip>921937827</cusip>
<value>2429137</value>
<shrsOrPrnAmt>
<sshPrnamt>31437</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>31437</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard Total Bond Market</nameOfIssuer>
<titleOfClass>TOTAL BND MRKT</titleOfClass>
<cusip>921937835</cusip>
<value>7841066</value>
<shrsOrPrnAmt>
<sshPrnamt>109040</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>109040</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard Total Bond Market</nameOfIssuer>
<titleOfClass>TOTAL BND MRKT</titleOfClass>
<cusip>921937835</cusip>
<value>2268329</value>
<shrsOrPrnAmt>
<sshPrnamt>31544</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>31544</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard FTSE Developed Markets</nameOfIssuer>
<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
<cusip>921943858</cusip>
<value>80290</value>
<shrsOrPrnAmt>
<sshPrnamt>1679</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>1679</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard FTSE Developed Markets</nameOfIssuer>
<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
<cusip>921943858</cusip>
<value>151637</value>
<shrsOrPrnAmt>
<sshPrnamt>3171</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>3171</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard High Dividend Yield</nameOfIssuer>
<titleOfClass>HIGH DIV YLD</titleOfClass>
<cusip>921946406</cusip>
<value>165867</value>
<shrsOrPrnAmt>
<sshPrnamt>1300</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>1300</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard High Dividend Yield</nameOfIssuer>
<titleOfClass>HIGH DIV YLD</titleOfClass>
<cusip>921946406</cusip>
<value>267939</value>
<shrsOrPrnAmt>
<sshPrnamt>2100</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>2100</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard Short-Term Inflation-Protected Securities</nameOfIssuer>
<titleOfClass>STRM INFPROIDX</titleOfClass>
<cusip>922020805</cusip>
<value>3198867</value>
<shrsOrPrnAmt>
<sshPrnamt>66065</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>66065</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard Short-Term Inflation-Protected Securities</nameOfIssuer>
<titleOfClass>STRM INFPROIDX</titleOfClass>
<cusip>922020805</cusip>
<value>1103492</value>
<shrsOrPrnAmt>
<sshPrnamt>22790</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>22790</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard S&amp;P 500</nameOfIssuer>
<titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
<cusip>922908363</cusip>
<value>1560394</value>
<shrsOrPrnAmt>
<sshPrnamt>2896</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>2896</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard S&amp;P 500</nameOfIssuer>
<titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
<cusip>922908363</cusip>
<value>24246</value>
<shrsOrPrnAmt>
<sshPrnamt>45</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>45</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard Total Stock Market</nameOfIssuer>
<titleOfClass>TOTAL STK MKT</titleOfClass>
<cusip>922908769</cusip>
<value>2956062</value>
<shrsOrPrnAmt>
<sshPrnamt>10200</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>10200</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard Total Stock Market</nameOfIssuer>
<titleOfClass>TOTAL STK MKT</titleOfClass>
<cusip>922908769</cusip>
<value>19997</value>
<shrsOrPrnAmt>
<sshPrnamt>69</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>69</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Verizon Communications</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>92343V104</cusip>
<value>140805</value>
<shrsOrPrnAmt>
<sshPrnamt>3521</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>3521</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Verizon Communications</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>92343V104</cusip>
<value>265978</value>
<shrsOrPrnAmt>
<sshPrnamt>6651</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>6651</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Visa</nameOfIssuer>
<titleOfClass>COM CL A</titleOfClass>
<cusip>92826C839</cusip>
<value>102713</value>
<shrsOrPrnAmt>
<sshPrnamt>325</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>325</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Visa</nameOfIssuer>
<titleOfClass>COM CL A</titleOfClass>
<cusip>92826C839</cusip>
<value>528976</value>
<shrsOrPrnAmt>
<sshPrnamt>1674</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>1674</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Wal-Mart</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>931142103</cusip>
<value>462140</value>
<shrsOrPrnAmt>
<sshPrnamt>5115</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>5115</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Wal-Mart</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>931142103</cusip>
<value>436119</value>
<shrsOrPrnAmt>
<sshPrnamt>4827</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>4827</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Wells Fargo &amp; Co</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>949746101</cusip>
<value>210720</value>
<shrsOrPrnAmt>
<sshPrnamt>3000</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>3000</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>GOEPPINGER ENTERPRISES INC</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>GEI001202</cusip>
<value>3338856</value>
<shrsOrPrnAmt>
<sshPrnamt>1202</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>1202</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
