<SEC-DOCUMENT>0001437749-25-026065.txt : 20250812
<SEC-HEADER>0001437749-25-026065.hdr.sgml : 20250812
<ACCEPTANCE-DATETIME>20250812101015
ACCESSION NUMBER:		0001437749-25-026065
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250630
FILED AS OF DATE:		20250812
DATE AS OF CHANGE:		20250812
EFFECTIVENESS DATE:		20250812

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			AMES NATIONAL CORP
		CENTRAL INDEX KEY:			0001132651
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		EIN:				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:		251204762

	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
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    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <filer>
        <credentials>
          <cik>0001132651</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
        <fileNumber>028-25350</fileNumber>
      </filer>
      <periodOfReport>06-30-2025</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>06-30-2025</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>515-620-5917</phone>
      <signature>/s/ John P. Nelson</signature>
      <city>Ames</city>
      <stateOrCountry>IA</stateOrCountry>
      <signatureDate>08-11-2025</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>1</otherIncludedManagersCount>
      <tableEntryTotal>123</tableEntryTotal>
      <tableValueTotal>154641627</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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            <form13FFileNumber>028-25528</form13FFileNumber>
            <name>First National Bank, Ames, Iowa</name>
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<nameOfIssuer>Abbott Laboratories</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>002824100</cusip>
<value>193814</value>
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<sshPrnamt>1425</sshPrnamt>
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<nameOfIssuer>Abbott Laboratories</nameOfIssuer>
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<nameOfIssuer>Abbvie Inc</nameOfIssuer>
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<value>102091</value>
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<nameOfIssuer>Abbvie Inc</nameOfIssuer>
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<nameOfIssuer>Aflac</nameOfIssuer>
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<value>425531</value>
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<sshPrnamt>4035</sshPrnamt>
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<nameOfIssuer>Air Products &amp; Chemicals</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<value>211545</value>
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<sshPrnamt>750</sshPrnamt>
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<infoTable>
<nameOfIssuer>Air Products &amp; Chemicals</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>009158106</cusip>
<value>150902</value>
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<sshPrnamt>535</sshPrnamt>
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<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>535</Sole>
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<None>0</None>
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<infoTable>
<nameOfIssuer>Alliant Energy</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>018802108</cusip>
<value>69722</value>
<shrsOrPrnAmt>
<sshPrnamt>1153</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
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<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>1153</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
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<infoTable>
<nameOfIssuer>Alliant Energy</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>018802108</cusip>
<value>189377</value>
<shrsOrPrnAmt>
<sshPrnamt>3132</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
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<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>3132</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Alphabet A</nameOfIssuer>
<titleOfClass>CAP STK CL A</titleOfClass>
<cusip>02079K305</cusip>
<value>457846</value>
<shrsOrPrnAmt>
<sshPrnamt>2598</sshPrnamt>
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<investmentDiscretion>DFND</investmentDiscretion>
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<Sole>2598</Sole>
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<infoTable>
<nameOfIssuer>Alphabet A</nameOfIssuer>
<titleOfClass>CAP STK CL A</titleOfClass>
<cusip>02079K305</cusip>
<value>46701</value>
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<sshPrnamt>265</sshPrnamt>
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<nameOfIssuer>Alphabet C</nameOfIssuer>
<titleOfClass>CAP STK CL C</titleOfClass>
<cusip>02079K107</cusip>
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<sshPrnamt>5660</sshPrnamt>
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<sshPrnamt>5195</sshPrnamt>
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<infoTable>
<nameOfIssuer>Ames National</nameOfIssuer>
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<nameOfIssuer>Ames National</nameOfIssuer>
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<nameOfIssuer>Apple</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>037833100</cusip>
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<nameOfIssuer>Apple</nameOfIssuer>
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<nameOfIssuer>Berkshire Hathaway B</nameOfIssuer>
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<nameOfIssuer>Blackstone</nameOfIssuer>
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<sshPrnamt>3000</sshPrnamt>
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<investmentDiscretion>DFND</investmentDiscretion>
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<nameOfIssuer>Coca-Cola</nameOfIssuer>
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<investmentDiscretion>DFND</investmentDiscretion>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ConocoPhillips</nameOfIssuer>
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<shrsOrPrnAmt>
<sshPrnamt>2500</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>2500</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>ConocoPhillips</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>20825C104</cusip>
<value>115495</value>
<shrsOrPrnAmt>
<sshPrnamt>1287</sshPrnamt>
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</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Deere &amp; Co</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
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<value>195769</value>
<shrsOrPrnAmt>
<sshPrnamt>385</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<investmentDiscretion>DFND</investmentDiscretion>
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<infoTable>
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<infoTable>
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<votingAuthority>
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<votingAuthority>
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<infoTable>
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<infoTable>
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<votingAuthority>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
<nameOfIssuer>JPMorgan Chase</nameOfIssuer>
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<votingAuthority>
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<infoTable>
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<infoTable>
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<sshPrnamt>675</sshPrnamt>
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<infoTable>
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<infoTable>
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<sshPrnamt>3021</sshPrnamt>
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<infoTable>
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<infoTable>
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<investmentDiscretion>DFND</investmentDiscretion>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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<sshPrnamt>1966</sshPrnamt>
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<investmentDiscretion>DFND</investmentDiscretion>
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<Sole>1966</Sole>
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<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Pfizer</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>717081103</cusip>
<value>332282</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</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>717081103</cusip>
<value>59485</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>PPG Industries</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>693506107</cusip>
<value>519838</value>
<shrsOrPrnAmt>
<sshPrnamt>4570</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>4570</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>742718109</cusip>
<value>1091183</value>
<shrsOrPrnAmt>
<sshPrnamt>6849</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>6849</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>742718109</cusip>
<value>541847</value>
<shrsOrPrnAmt>
<sshPrnamt>3401</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>3401</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Qualcomm</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>747525103</cusip>
<value>273290</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>428887</value>
<shrsOrPrnAmt>
<sshPrnamt>2693</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>2693</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>RTX Corporation</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>75513E101</cusip>
<value>104842</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>227791</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>542472</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>Sysco</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>871829107</cusip>
<value>370747</value>
<shrsOrPrnAmt>
<sshPrnamt>4895</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>4895</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Sysco</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>871829107</cusip>
<value>15148</value>
<shrsOrPrnAmt>
<sshPrnamt>200</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>200</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Technology Select Sector SPDR</nameOfIssuer>
<titleOfClass>TECHNOLOGY</titleOfClass>
<cusip>81369Y803</cusip>
<value>3419871</value>
<shrsOrPrnAmt>
<sshPrnamt>13505</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>13505</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Travelers Companies</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>89417E109</cusip>
<value>1519895</value>
<shrsOrPrnAmt>
<sshPrnamt>5681</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>5681</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Travelers Companies</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>89417E109</cusip>
<value>194234</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>402640</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>973699</value>
<shrsOrPrnAmt>
<sshPrnamt>4232</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>4232</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>UnitedHealth Group</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>91324P102</cusip>
<value>145378</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>532845</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 FTSE Developed Markets</nameOfIssuer>
<titleOfClass>VAN FTSE DEV MKT</titleOfClass>
<cusip>921943858</cusip>
<value>95720</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>117270</value>
<shrsOrPrnAmt>
<sshPrnamt>2057</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>2057</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>173303</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>279951</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 S&amp;P 500</nameOfIssuer>
<titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
<cusip>922908363</cusip>
<value>1645015</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>110766</value>
<shrsOrPrnAmt>
<sshPrnamt>195</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>195</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>8388397</value>
<shrsOrPrnAmt>
<sshPrnamt>106587</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>106587</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Vanguard Short-Term Bond</nameOfIssuer>
<titleOfClass>SHORT TERM BOND</titleOfClass>
<cusip>921937827</cusip>
<value>2452843</value>
<shrsOrPrnAmt>
<sshPrnamt>31167</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>31167</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>3232612</value>
<shrsOrPrnAmt>
<sshPrnamt>64305</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>64305</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>1123283</value>
<shrsOrPrnAmt>
<sshPrnamt>22345</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>22345</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>8065504</value>
<shrsOrPrnAmt>
<sshPrnamt>109541</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>109541</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>2357191</value>
<shrsOrPrnAmt>
<sshPrnamt>32014</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>32014</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>3029597</value>
<shrsOrPrnAmt>
<sshPrnamt>43850</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>43850</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>2136125</value>
<shrsOrPrnAmt>
<sshPrnamt>30918</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>30918</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>3100086</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>20971</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>98699</value>
<shrsOrPrnAmt>
<sshPrnamt>2281</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>2281</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Verizon Communications</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>92343V104</cusip>
<value>280470</value>
<shrsOrPrnAmt>
<sshPrnamt>6482</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>6482</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Visa</nameOfIssuer>
<titleOfClass>COM CL A</titleOfClass>
<cusip>92826C839</cusip>
<value>115391</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>594383</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>495256</value>
<shrsOrPrnAmt>
<sshPrnamt>5065</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>5065</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Wal-Mart</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>931142103</cusip>
<value>466606</value>
<shrsOrPrnAmt>
<sshPrnamt>4772</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<votingAuthority>
<Sole>4772</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
<nameOfIssuer>Walt Disney</nameOfIssuer>
<titleOfClass>COM</titleOfClass>
<cusip>254687106</cusip>
<value>60021</value>
<shrsOrPrnAmt>
<sshPrnamt>484</sshPrnamt>
<sshPrnamtType>SH</sshPrnamtType>
</shrsOrPrnAmt>
<investmentDiscretion>DFND</investmentDiscretion>
<otherManager>1</otherManager>
<votingAuthority>
<Sole>484</Sole>
<Shared>0</Shared>
<None>0</None>
</votingAuthority>
</infoTable>
<infoTable>
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</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
