<SEC-DOCUMENT>0000844150-23-000017.txt : 20231012
<SEC-HEADER>0000844150-23-000017.hdr.sgml : 20231012
<ACCEPTANCE-DATETIME>20231012113507
ACCESSION NUMBER:		0000844150-23-000017
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20230930
FILED AS OF DATE:		20231012
DATE AS OF CHANGE:		20231012
EFFECTIVENESS DATE:		20231012

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			NatWest Group plc
		CENTRAL INDEX KEY:			0000844150
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			X0
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-05855
		FILM NUMBER:		231322077

	BUSINESS ADDRESS:	
		STREET 1:		GOGARBURN
		STREET 2:		PO BOX 1000
		CITY:			EDINBURGH, SCOTLAND
		STATE:			X0
		ZIP:			EH12 1HQ
		BUSINESS PHONE:		441315568555

	MAIL ADDRESS:	
		STREET 1:		GOGARBURN
		STREET 2:		PO BOX 1000
		CITY:			EDINBURGH, SCOTLAND
		STATE:			X0
		ZIP:			EH12 1HQ

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	ROYAL BANK OF SCOTLAND GROUP PLC
		DATE OF NAME CHANGE:	19950712
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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      <periodOfReport>09-30-2023</periodOfReport>
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      <reportCalendarOrQuarter>09-30-2023</reportCalendarOrQuarter>
      <filingManager>
        <name>NatWest Group plc</name>
        <address>
          <com:street1>GOGARBURN</com:street1>
          <com:street2>PO BOX 1000</com:street2>
          <com:city>EDINBURGH, SCOTLAND</com:city>
          <com:stateOrCountry>X0</com:stateOrCountry>
          <com:zipCode>EH12 1HQ</com:zipCode>
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    <signatureBlock>
      <name>Jan Cargill</name>
      <title>Chief Governance Officer and Company Secretary</title>
      <phone>00447769248894</phone>
      <signature>Jan Cargill, Edinburgh, UK, 10-12-2023</signature>
      <city>Edinburgh</city>
      <stateOrCountry>X0</stateOrCountry>
      <signatureDate>10-12-2023</signatureDate>
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<SEQUENCE>2
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    <infoTable>
        <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>532457108</cusip>
        <figi>BBG001S5STL8</figi>
        <value>6395070</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11906</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>11906</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>370334104</cusip>
        <figi>BBG001S5RKR2</figi>
        <value>735053</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11487</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11487</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>370334104</cusip>
        <figi>BBG001S5RKR2</figi>
        <value>2234147</value>
        <shrsOrPrnAmt>
            <sshPrnamt>34914</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>34914</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
        <cusip>464287200</cusip>
        <figi>BBG001SFB7R6</figi>
        <value>6008155</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13991</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>13991</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>46625H100</cusip>
        <figi>BBG001S8CRC3</figi>
        <value>2136435</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14732</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>14732</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>46625H100</cusip>
        <figi>BBG001S8CRC3</figi>
        <value>6465137</value>
        <shrsOrPrnAmt>
            <sshPrnamt>44581</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>44581</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>KLA CORP</nameOfIssuer>
        <titleOfClass>COM NEW</titleOfClass>
        <cusip>482480100</cusip>
        <figi>BBG001S5SLM4</figi>
        <value>2212576</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4824</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4824</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>KLA CORP</nameOfIssuer>
        <titleOfClass>COM NEW</titleOfClass>
        <cusip>482480100</cusip>
        <figi>BBG001S5SLM4</figi>
        <value>6397390</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13948</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>13948</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>KROGER CO</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>501044101</cusip>
        <figi>BBG001S5SN40</figi>
        <value>264831</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5918</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>5918</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>LINDE PLC</nameOfIssuer>
        <titleOfClass>SHS</titleOfClass>
        <cusip>G54950103</cusip>
        <figi>BBG01FND0CH6</figi>
        <value>773371</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2077</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2077</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>LINDE PLC</nameOfIssuer>
        <titleOfClass>SHS</titleOfClass>
        <cusip>G54950103</cusip>
        <figi>BBG01FND0CH6</figi>
        <value>2818317</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7569</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>7569</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>580135101</cusip>
        <figi>BBG001S5T110</figi>
        <value>1212351</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4602</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4602</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>580135101</cusip>
        <figi>BBG001S5T110</figi>
        <value>3817509</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14491</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>14491</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>594918104</cusip>
        <figi>BBG001S5TD05</figi>
        <value>3910880</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12386</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>12386</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>594918104</cusip>
        <figi>BBG001S5TD05</figi>
        <value>14775521</value>
        <shrsOrPrnAmt>
            <sshPrnamt>46795</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>46795</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NETFLIX INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>64110L106</cusip>
        <figi>BBG001SF6L46</figi>
        <value>2190835</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5802</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5802</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NETFLIX INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>64110L106</cusip>
        <figi>BBG001SF6L46</figi>
        <value>6120896</value>
        <shrsOrPrnAmt>
            <sshPrnamt>16210</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>16210</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>67066G104</cusip>
        <figi>BBG001S5TZJ6</figi>
        <value>2285872</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5255</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5255</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>67066G104</cusip>
        <figi>BBG001S5TZJ6</figi>
        <value>6330844</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14554</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>14554</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>742718109</cusip>
        <figi>BBG001S5V4L9</figi>
        <value>221853</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1521</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>1521</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>745867101</cusip>
        <figi>BBG001S5V5K7</figi>
        <value>2057850</value>
        <shrsOrPrnAmt>
            <sshPrnamt>27790</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>27790</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>745867101</cusip>
        <figi>BBG001S5V5K7</figi>
        <value>5893121</value>
        <shrsOrPrnAmt>
            <sshPrnamt>79583</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>79583</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>74762E102</cusip>
        <figi>BBG001S5VH85</figi>
        <value>1957500</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10464</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10464</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>74762E102</cusip>
        <figi>BBG001S5VH85</figi>
        <value>5424282</value>
        <shrsOrPrnAmt>
            <sshPrnamt>28996</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>28996</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>855244109</cusip>
        <figi>BBG001S72KH6</figi>
        <value>517866</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5674</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5674</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>855244109</cusip>
        <figi>BBG001S72KH6</figi>
        <value>1739150</value>
        <shrsOrPrnAmt>
            <sshPrnamt>19055</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>19055</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TRANSDIGM GROUP INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>893641100</cusip>
        <figi>BBG001SPV1C1</figi>
        <value>2139864</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2538</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2538</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>TRANSDIGM GROUP INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>893641100</cusip>
        <figi>BBG001SPV1C1</figi>
        <value>5923831</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7026</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>7026</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
        <titleOfClass>SHS</titleOfClass>
        <cusip>H42097107</cusip>
        <figi>BBG007936GX0</figi>
        <value>241521</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9798</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>9798</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
        <titleOfClass>SHS</titleOfClass>
        <cusip>H42097107</cusip>
        <figi>BBG007936GX0</figi>
        <value>1049770</value>
        <shrsOrPrnAmt>
            <sshPrnamt>42587</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>42587</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>91324P102</cusip>
        <figi>BBG001S6WCJ1</figi>
        <value>944852</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1874</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1874</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>91324P102</cusip>
        <figi>BBG001S6WCJ1</figi>
        <value>3016065</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5982</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>5982</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
        <cusip>922908363</cusip>
        <figi>BBG001TC6MC1</figi>
        <value>57727</value>
        <shrsOrPrnAmt>
            <sshPrnamt>147</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>147</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
        <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
        <cusip>922908363</cusip>
        <figi>BBG001TC6MC1</figi>
        <value>145692</value>
        <shrsOrPrnAmt>
            <sshPrnamt>371</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <otherManager>4</otherManager>
        <votingAuthority>
            <Sole>371</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>92532F100</cusip>
        <figi>BBG001S68LJ8</figi>
        <value>626975</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1803</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1803</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>92532F100</cusip>
        <figi>BBG001S68LJ8</figi>
        <value>1398958</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4023</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <votingAuthority>
            <Sole>4023</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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        <figi>BBG001S7F0X8</figi>
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</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
