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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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  <votingAuthority>
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<infoTable>
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<infoTable>
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    <sshPrnamt>400</sshPrnamt>
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    <None>0</None>
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<infoTable>
  <nameOfIssuer>WELLS FARGO &amp; CO DEL COM</nameOfIssuer>
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    <sshPrnamt>10399</sshPrnamt>
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  <votingAuthority>
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    <None>7100</None>
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<infoTable>
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    <sshPrnamt>788642</sshPrnamt>
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<infoTable>
  <nameOfIssuer>WELLS FARGO &amp;amp;amp; CO DEL COM</nameOfIssuer>
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    <sshPrnamt>1105</sshPrnamt>
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    <Sole>1105</Sole>
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    <None>0</None>
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<infoTable>
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    <sshPrnamt>13147</sshPrnamt>
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    <Sole>13147</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>WINGSTOP INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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    <sshPrnamt>513</sshPrnamt>
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  <votingAuthority>
    <Sole>513</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>WOODWARD INC COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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    <sshPrnamt>5460</sshPrnamt>
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  <investmentDiscretion>DFND</investmentDiscretion>
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    <Sole>5460</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>XPEL INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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    <sshPrnamt>6941</sshPrnamt>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
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    <Sole>6941</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ZOETIS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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    <sshPrnamt>74903</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>73948</Sole>
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    <None>955</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ZOETIS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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    <sshPrnamt>181422</sshPrnamt>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>179997</Sole>
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</infoTable>
<infoTable>
  <nameOfIssuer>ZOETIS INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
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    <sshPrnamt>20536</sshPrnamt>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>20311</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ZURICH INSURANCE GROUP AG</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>H9870Y105</cusip>
  <value>2349723</value>
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    <sshPrnamt>3897</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3897</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>PEM HOLDING COMAPNY, LLC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>69340A903</cusip>
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  <shrsOrPrnAmt>
    <sshPrnamt>1</sshPrnamt>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
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    <Sole>1</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ARK FINTECH INNOVATION ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
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    <sshPrnamt>2200</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>2200</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ARK FINTECH INNOVATION ETF</nameOfIssuer>
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  <cusip>00214Q708</cusip>
  <value>464715</value>
  <shrsOrPrnAmt>
    <sshPrnamt>15584</sshPrnamt>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>15584</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ARK FINTECH INNOVATION ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>00214Q708</cusip>
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  <shrsOrPrnAmt>
    <sshPrnamt>1968</sshPrnamt>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1968</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ARK GENOMIC REVOLUTION ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>00214Q302</cusip>
  <value>35328</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1380</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1380</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>ARK GENOMIC REVOLUTION ETF</nameOfIssuer>
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  <shrsOrPrnAmt>
    <sshPrnamt>12741</sshPrnamt>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>12741</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>DIMENSIONAL U.S. CORE EQUITY 2</nameOfIssuer>
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  <cusip>25434V708</cusip>
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  <shrsOrPrnAmt>
    <sshPrnamt>150</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>150</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
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    <sshPrnamt>6500</sshPrnamt>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
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    <Sole>6500</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>DIMENSIONAL US MARKETWIDE VALU</nameOfIssuer>
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    <sshPrnamt>6484</sshPrnamt>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>6484</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>DIMENSIONAL US MARKETWIDE VALU</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>25434V724</cusip>
  <value>96304</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2310</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2310</Sole>
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    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>First Trust Energy Income Part</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33740F276</cusip>
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  <shrsOrPrnAmt>
    <sshPrnamt>175160</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>175160</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES MORNINGSTAR US MARK</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L100</cusip>
  <value>170698</value>
  <shrsOrPrnAmt>
    <sshPrnamt>802</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>802</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES MORNINGSTAR US MARK</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L100</cusip>
  <value>2067315</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9713</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>9713</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES MSTAR DEVELOPED MAR</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L803</cusip>
  <value>18449</value>
  <shrsOrPrnAmt>
    <sshPrnamt>246</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>246</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES MSTAR DEVELOPED MAR</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L803</cusip>
  <value>1328725</value>
  <shrsOrPrnAmt>
    <sshPrnamt>17717</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>17717</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES QUALITY DIVIDEND IN</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L860</cusip>
  <value>771958</value>
  <shrsOrPrnAmt>
    <sshPrnamt>10765</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>10765</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES QUALITY DIVIDEND IN</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L860</cusip>
  <value>8542382</value>
  <shrsOrPrnAmt>
    <sshPrnamt>119124</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>119124</Sole>
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    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>FLEXSHARES QUALITY DIVIDEND IN</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>33939L860</cusip>
  <value>54213</value>
  <shrsOrPrnAmt>
    <sshPrnamt>756</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>756</Sole>
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    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>GLOBAL X S&amp;P 500 CATHOLIC VALU</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>37954Y889</cusip>
  <value>267429</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3854</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3854</Sole>
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    <None>0</None>
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</infoTable>
<infoTable>
  <nameOfIssuer>INVESCO QQQ TRUST SER 1</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>46090E103</cusip>
  <value>106887</value>
  <shrsOrPrnAmt>
    <sshPrnamt>219</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>219</Sole>
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    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INVESCO QQQ TRUST SER 1</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>46090E103</cusip>
  <value>287961</value>
  <shrsOrPrnAmt>
    <sshPrnamt>590</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>590</Sole>
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    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INVESCO S&amp;P 500 EQUAL WEIGHT E</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>46137V357</cusip>
  <value>67722</value>
  <shrsOrPrnAmt>
    <sshPrnamt>378</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>378</Sole>
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    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>INVESCO S&amp;amp;P 500 EQUAL WEIGHT E</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>46137V357</cusip>
  <value>1042711</value>
  <shrsOrPrnAmt>
    <sshPrnamt>5820</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>5820</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE MSCI EAFE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>46432F842</cusip>
  <value>1751910</value>
  <shrsOrPrnAmt>
    <sshPrnamt>22446</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
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  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>22446</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ISHARES CORE MSCI EAFE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>46432F842</cusip>
  <value>1842995</value>
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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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<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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</infoTable>
<infoTable>
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<infoTable>
  <nameOfIssuer>ISHARES S&amp;P SMALL CAP 600 GROW</nameOfIssuer>
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</infoTable>
<infoTable>
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<infoTable>
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<infoTable>
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<infoTable>
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</infoTable>
<infoTable>
  <nameOfIssuer>SCHWAB US LARGE CAP VALUE ETF</nameOfIssuer>
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</infoTable>
<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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<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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</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908736</cusip>
  <value>691074</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1800</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1800</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908736</cusip>
  <value>1423612</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3708</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>3708</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD MID-CAP INDEX FUND -E</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908629</cusip>
  <value>2414836</value>
  <shrsOrPrnAmt>
    <sshPrnamt>9153</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>9153</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD MID-CAP INDEX FUND -E</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908629</cusip>
  <value>9706306</value>
  <shrsOrPrnAmt>
    <sshPrnamt>36790</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>36790</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD MID-CAP INDEX FUND -E</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908629</cusip>
  <value>138511</value>
  <shrsOrPrnAmt>
    <sshPrnamt>525</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>525</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD MID CAP VALUE INDEX F</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908512</cusip>
  <value>325615</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1942</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1942</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD MID CAP VALUE INDEX F</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908512</cusip>
  <value>39905</value>
  <shrsOrPrnAmt>
    <sshPrnamt>238</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>238</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908553</cusip>
  <value>427382</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4387</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>4387</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908553</cusip>
  <value>174479</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1791</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1791</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD RUSSELL 1000 VALUE ET</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>92206C714</cusip>
  <value>279739</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3357</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>3357</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908363</cusip>
  <value>3543832</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6716</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>6716</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD S&amp;amp;P 500 ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908363</cusip>
  <value>11911095</value>
  <shrsOrPrnAmt>
    <sshPrnamt>22573</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>22573</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD S&amp;P 500 GROWTH ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>921932505</cusip>
  <value>295223</value>
  <shrsOrPrnAmt>
    <sshPrnamt>855</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>855</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD S&amp;P 500 VALUE ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>921932703</cusip>
  <value>366182</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1920</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>1920</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD S&amp;P MID-CAP 400 ETF</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>921932885</cusip>
  <value>250343</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2370</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2370</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD S&amp;P MID-CAP 400 GROWT</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>921932869</cusip>
  <value>442472</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3860</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>3860</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD SMALL CAP INDEX FUND </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908751</cusip>
  <value>1509130</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6362</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>6362</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD SMALL CAP INDEX FUND </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908751</cusip>
  <value>6212767</value>
  <shrsOrPrnAmt>
    <sshPrnamt>26191</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>26191</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD SMALL CAP INDEX FUND </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908751</cusip>
  <value>83024</value>
  <shrsOrPrnAmt>
    <sshPrnamt>350</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>350</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD TOTAL INTERNATIONAL S</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>921909768</cusip>
  <value>391030</value>
  <shrsOrPrnAmt>
    <sshPrnamt>6040</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>6040</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD TOTAL INTERNATIONAL S</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>921909768</cusip>
  <value>194220</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3000</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>3000</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD TOTAL STOCK MARKET - </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908769</cusip>
  <value>429271</value>
  <shrsOrPrnAmt>
    <sshPrnamt>1516</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>1516</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD TOTAL STOCK MARKET - </nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908769</cusip>
  <value>760001</value>
  <shrsOrPrnAmt>
    <sshPrnamt>2684</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>2684</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD VALUE INDEX FUND - ET</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908744</cusip>
  <value>599124</value>
  <shrsOrPrnAmt>
    <sshPrnamt>3432</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>3432</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>VANGUARD VALUE INDEX FUND - ET</nameOfIssuer>
  <titleOfClass>ETF</titleOfClass>
  <cusip>922908744</cusip>
  <value>1222165</value>
  <shrsOrPrnAmt>
    <sshPrnamt>7001</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>7001</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ENERGY TRANSFER LP</nameOfIssuer>
  <titleOfClass>MLP</titleOfClass>
  <cusip>29273V100</cusip>
  <value>4243973</value>
  <shrsOrPrnAmt>
    <sshPrnamt>264422</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>264422</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
  <titleOfClass>MLP</titleOfClass>
  <cusip>293792107</cusip>
  <value>393305</value>
  <shrsOrPrnAmt>
    <sshPrnamt>13511</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>13511</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
  <titleOfClass>MLP</titleOfClass>
  <cusip>293792107</cusip>
  <value>4828534</value>
  <shrsOrPrnAmt>
    <sshPrnamt>165872</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>165872</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
  <titleOfClass>MLP</titleOfClass>
  <cusip>293792107</cusip>
  <value>377848</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12980</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>12980</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>MPLX LP</nameOfIssuer>
  <titleOfClass>MLP</titleOfClass>
  <cusip>55336V100</cusip>
  <value>3000250</value>
  <shrsOrPrnAmt>
    <sshPrnamt>67482</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>67482</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>PLAINS ALL AMERICAN PIPELINE L</nameOfIssuer>
  <titleOfClass>MLP</titleOfClass>
  <cusip>726503105</cusip>
  <value>2378596</value>
  <shrsOrPrnAmt>
    <sshPrnamt>136937</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>136937</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>SUNOCO LP/SUNOCO FIN CORP UT R</nameOfIssuer>
  <titleOfClass>MLP</titleOfClass>
  <cusip>86765K109</cusip>
  <value>264481</value>
  <shrsOrPrnAmt>
    <sshPrnamt>4927</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>4927</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMERICAN TOWER CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>03027X100</cusip>
  <value>9246818</value>
  <shrsOrPrnAmt>
    <sshPrnamt>39761</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>39346</Sole>
    <Shared>0</Shared>
    <None>415</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMERICAN TOWER CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>03027X100</cusip>
  <value>22377621</value>
  <shrsOrPrnAmt>
    <sshPrnamt>96223</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>95638</Sole>
    <Shared>585</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>AMERICAN TOWER CORP COM</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>03027X100</cusip>
  <value>2810953</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12087</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <votingAuthority>
    <Sole>12012</Sole>
    <Shared>75</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>22822V101</cusip>
  <value>2847</value>
  <shrsOrPrnAmt>
    <sshPrnamt>24</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>SOLE</investmentDiscretion>
  <votingAuthority>
    <Sole>24</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>22822V101</cusip>
  <value>1492603</value>
  <shrsOrPrnAmt>
    <sshPrnamt>12582</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>12582</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>CUBESMART</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>229663109</cusip>
  <value>645260</value>
  <shrsOrPrnAmt>
    <sshPrnamt>11987</sshPrnamt>
    <sshPrnamtType>SH</sshPrnamtType>
  </shrsOrPrnAmt>
  <investmentDiscretion>DFND</investmentDiscretion>
  <otherManager>01</otherManager>
  <votingAuthority>
    <Sole>11987</Sole>
    <Shared>0</Shared>
    <None>0</None>
  </votingAuthority>
</infoTable>
<infoTable>
  <nameOfIssuer>EASTGROUP PROPERTIES SH BEN IN</nameOfIssuer>
  <titleOfClass>COM</titleOfClass>
  <cusip>277276101</cusip>
  <value>125356</value>
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