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<informationTable
	xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">
	<infoTable>
		<nameOfIssuer>ABBOTT LABS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>002824100</cusip>
		<value>159124</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1400</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>229</Sole>
			<Shared>0</Shared>
			<None>1171</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBOTT LABS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>002824100</cusip>
		<value>669798</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5893</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>5893</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ABBVIE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00287Y109</cusip>
		<value>9184942</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50439</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>50439</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
		<titleOfClass>SHS CLASS A</titleOfClass>
		<cusip>G1151C101</cusip>
		<value>3015854</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8701</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>8701</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADOBE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00724F101</cusip>
		<value>4569658</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9056</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9056</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADVANCED DRAIN SYS INC DEL</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00790R104</cusip>
		<value>629537</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3655</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3655</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>007903107</cusip>
		<value>1172824</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6498</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5966</Sole>
			<Shared>0</Shared>
			<None>532</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>007903107</cusip>
		<value>483352</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2678</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2678</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>020002101</cusip>
		<value>88408</value>
		<shrsOrPrnAmt>
			<sshPrnamt>511</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>83</Sole>
			<Shared>0</Shared>
			<None>428</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>020002101</cusip>
		<value>372664</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2154</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2154</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>CAP STK CL A</titleOfClass>
		<cusip>02079K305</cusip>
		<value>2915817</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19319</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18099</Sole>
			<Shared>0</Shared>
			<None>1220</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>CAP STK CL A</titleOfClass>
		<cusip>02079K305</cusip>
		<value>926710</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6140</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>6140</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ALPHABET INC</nameOfIssuer>
		<titleOfClass>CAP STK CL C</titleOfClass>
		<cusip>02079K107</cusip>
		<value>5579415</value>
		<shrsOrPrnAmt>
			<sshPrnamt>36644</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>36644</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMAZON COM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>023135106</cusip>
		<value>10129960</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56159</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>56159</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025816109</cusip>
		<value>2524171</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11086</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9735</Sole>
			<Shared>0</Shared>
			<None>1351</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>025816109</cusip>
		<value>1548292</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6800</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>6800</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>03027X100</cusip>
		<value>773960</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3917</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3917</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>032654105</cusip>
		<value>74962</value>
		<shrsOrPrnAmt>
			<sshPrnamt>379</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>61</Sole>
			<Shared>0</Shared>
			<None>318</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>032654105</cusip>
		<value>316464</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1600</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1600</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APOLLO GLOBAL MGMT INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>03769M106</cusip>
		<value>1294187</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11509</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11509</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037833100</cusip>
		<value>10727788</value>
		<shrsOrPrnAmt>
			<sshPrnamt>62560</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>61330</Sole>
			<Shared>0</Shared>
			<None>1230</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>037833100</cusip>
		<value>1061633</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6191</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>6191</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>038222105</cusip>
		<value>5146263</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24954</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23538</Sole>
			<Shared>0</Shared>
			<None>1416</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>APPLIED MATLS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>038222105</cusip>
		<value>1469595</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7126</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>7126</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
		<titleOfClass>ORD</titleOfClass>
		<cusip>G0450A105</cusip>
		<value>1706997</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18466</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>16842</Sole>
			<Shared>0</Shared>
			<None>1624</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
		<titleOfClass>ORD</titleOfClass>
		<cusip>G0450A105</cusip>
		<value>755605</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8174</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>8174</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00206R102</cusip>
		<value>2219886</value>
		<shrsOrPrnAmt>
			<sshPrnamt>126130</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>121705</Sole>
			<Shared>0</Shared>
			<None>4425</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>AT&amp;T INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>00206R102</cusip>
		<value>392005</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22273</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>22273</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>060505104</cusip>
		<value>1869380</value>
		<shrsOrPrnAmt>
			<sshPrnamt>49298</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>42212</Sole>
			<Shared>0</Shared>
			<None>7086</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>060505104</cusip>
		<value>1352493</value>
		<shrsOrPrnAmt>
			<sshPrnamt>35667</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>35667</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>064058100</cusip>
		<value>95822</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1663</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>271</Sole>
			<Shared>0</Shared>
			<None>1392</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BANK NEW YORK MELLON CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>064058100</cusip>
		<value>403686</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7006</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>7006</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLACKROCK INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>09247X101</cusip>
		<value>3210937</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3851</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3851</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BLUE OWL CAPITAL INC</nameOfIssuer>
		<titleOfClass>COM CL A</titleOfClass>
		<cusip>09581B103</cusip>
		<value>567177</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30073</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>30073</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOEING CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>097023105</cusip>
		<value>122163</value>
		<shrsOrPrnAmt>
			<sshPrnamt>633</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>102</Sole>
			<Shared>0</Shared>
			<None>531</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOEING CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>097023105</cusip>
		<value>515669</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2672</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2672</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>09857L108</cusip>
		<value>1436640</value>
		<shrsOrPrnAmt>
			<sshPrnamt>396</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>396</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BORGWARNER INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>099724106</cusip>
		<value>662388</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19067</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17555</Sole>
			<Shared>0</Shared>
			<None>1512</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BORGWARNER INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>099724106</cusip>
		<value>264371</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7610</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>7610</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BP PLC</nameOfIssuer>
		<titleOfClass>SPONSORED ADR</titleOfClass>
		<cusip>055622104</cusip>
		<value>3533195</value>
		<shrsOrPrnAmt>
			<sshPrnamt>93768</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>93768</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>110122108</cusip>
		<value>3649353</value>
		<shrsOrPrnAmt>
			<sshPrnamt>67294</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>62424</Sole>
			<Shared>0</Shared>
			<None>4870</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>110122108</cusip>
		<value>1329286</value>
		<shrsOrPrnAmt>
			<sshPrnamt>24512</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>24512</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROADCOM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>11135F101</cusip>
		<value>5627691</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4246</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4131</Sole>
			<Shared>0</Shared>
			<None>115</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>BROADCOM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>11135F101</cusip>
		<value>767412</value>
		<shrsOrPrnAmt>
			<sshPrnamt>579</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>579</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>14040H105</cusip>
		<value>161843</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1087</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>178</Sole>
			<Shared>0</Shared>
			<None>909</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>14040H105</cusip>
		<value>681172</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4575</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4575</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>149123101</cusip>
		<value>3626558</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9897</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>9080</Sole>
			<Shared>0</Shared>
			<None>817</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>149123101</cusip>
		<value>1506760</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4112</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4112</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>12504L109</cusip>
		<value>2938204</value>
		<shrsOrPrnAmt>
			<sshPrnamt>30216</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26405</Sole>
			<Shared>0</Shared>
			<None>3811</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>12504L109</cusip>
		<value>1865258</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19182</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>19182</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CELANESE CORP DEL</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>150870103</cusip>
		<value>1928441</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11221</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10722</Sole>
			<Shared>0</Shared>
			<None>499</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CELANESE CORP DEL</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>150870103</cusip>
		<value>431712</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2512</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>2512</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>15135B101</cusip>
		<value>196671</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2506</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>409</Sole>
			<Shared>0</Shared>
			<None>2097</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>15135B101</cusip>
		<value>828356</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10555</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>10555</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>166764100</cusip>
		<value>3032924</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19227</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18538</Sole>
			<Shared>0</Shared>
			<None>689</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>166764100</cusip>
		<value>547042</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3468</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>3468</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>1279584</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4938</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4064</Sole>
			<Shared>0</Shared>
			<None>874</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>H1467J104</cusip>
		<value>1139913</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4399</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4399</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>125523100</cusip>
		<value>935577</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2576</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1677</Sole>
			<Shared>0</Shared>
			<None>899</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>125523100</cusip>
		<value>1643435</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4525</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4525</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CISCO SYS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>17275R102</cusip>
		<value>5045350</value>
		<shrsOrPrnAmt>
			<sshPrnamt>101089</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>101089</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COM NEW</titleOfClass>
		<cusip>172967424</cusip>
		<value>2936480</value>
		<shrsOrPrnAmt>
			<sshPrnamt>46434</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>41196</Sole>
			<Shared>0</Shared>
			<None>5238</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CITIGROUP INC</nameOfIssuer>
		<titleOfClass>COM NEW</titleOfClass>
		<cusip>172967424</cusip>
		<value>1667323</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26365</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>26365</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CLEVELAND-CLIFFS INC NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>185899101</cusip>
		<value>92665</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4075</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2374</Sole>
			<Shared>0</Shared>
			<None>1701</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CLEVELAND-CLIFFS INC NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>185899101</cusip>
		<value>194700</value>
		<shrsOrPrnAmt>
			<sshPrnamt>8562</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>8562</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA COLA CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>191216100</cusip>
		<value>6074527</value>
		<shrsOrPrnAmt>
			<sshPrnamt>99289</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>96419</Sole>
			<Shared>0</Shared>
			<None>2870</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COCA COLA CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>191216100</cusip>
		<value>883806</value>
		<shrsOrPrnAmt>
			<sshPrnamt>14446</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>14446</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>192446102</cusip>
		<value>159479</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2176</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>357</Sole>
			<Shared>0</Shared>
			<None>1819</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>192446102</cusip>
		<value>671043</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9156</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>9156</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>20030N101</cusip>
		<value>4966651</value>
		<shrsOrPrnAmt>
			<sshPrnamt>114571</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>107766</Sole>
			<Shared>0</Shared>
			<None>6805</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>20030N101</cusip>
		<value>1484868</value>
		<shrsOrPrnAmt>
			<sshPrnamt>34253</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>34253</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>20825C104</cusip>
		<value>1493122</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11731</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11731</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COSTCO WHSL CORP NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>22160K105</cusip>
		<value>4197970</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5730</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5730</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>COUPANG INC</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
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			<sshPrnamt>25154</sshPrnamt>
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		<nameOfIssuer>CROCS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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			<Sole>3820</Sole>
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			<None>0</None>
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		<nameOfIssuer>CSX CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126408103</cusip>
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			<sshPrnamt>6786</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1104</Sole>
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			<None>5682</None>
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	<infoTable>
		<nameOfIssuer>CSX CORP</nameOfIssuer>
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		<cusip>126408103</cusip>
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			<sshPrnamt>28600</sshPrnamt>
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		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>126650100</cusip>
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			<sshPrnamt>29017</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26192</Sole>
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			<None>2825</None>
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	<infoTable>
		<nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>DELTA AIR LINES INC DEL</nameOfIssuer>
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		<cusip>247361702</cusip>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Sole>35193</Sole>
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		<nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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			<sshPrnamt>16528</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Sole>16528</Sole>
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			<None>0</None>
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		<nameOfIssuer>EBAY INC.</nameOfIssuer>
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		<value>620956</value>
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			<sshPrnamt>11765</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>EBAY INC.</nameOfIssuer>
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		<nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>EOG RES INC</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>EOG RES INC</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>ETSY INC</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4959</Sole>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>EXPEDIA GROUP INC</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
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		<nameOfIssuer>FRANKLIN RESOURCES INC</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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	<infoTable>
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		<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>GRAPHIC PACKAGING HLDG CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>388689101</cusip>
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			<sshPrnamt>8740</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<nameOfIssuer>GRAPHIC PACKAGING HLDG CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>HALEON PLC</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11809</Sole>
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		<titleOfClass>COM</titleOfClass>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25258</Sole>
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			<None>594</None>
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		<titleOfClass>COM</titleOfClass>
		<cusip>437076102</cusip>
		<value>1147348</value>
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			<sshPrnamt>2991</sshPrnamt>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<votingAuthority>
			<Sole>2991</Sole>
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			<None>0</None>
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		<nameOfIssuer>HONEYWELL INTL INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>438516106</cusip>
		<value>1296975</value>
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			<sshPrnamt>6319</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6319</Sole>
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			<None>0</None>
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		<nameOfIssuer>HOST HOTELS &amp; RESORTS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>44107P104</cusip>
		<value>137626</value>
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			<sshPrnamt>6655</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1085</Sole>
			<Shared>0</Shared>
			<None>5570</None>
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	<infoTable>
		<nameOfIssuer>HOST HOTELS &amp; RESORTS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>44107P104</cusip>
		<value>579784</value>
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			<sshPrnamt>28036</sshPrnamt>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<None>0</None>
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		<nameOfIssuer>HUMANA INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>444859102</cusip>
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			<sshPrnamt>117</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<None>98</None>
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		<nameOfIssuer>HUMANA INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>444859102</cusip>
		<value>171280</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>494</Sole>
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			<None>0</None>
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		<nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>459200101</cusip>
		<value>4672222</value>
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			<sshPrnamt>24467</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>24467</Sole>
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			<None>0</None>
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		<nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
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		<cusip>460146103</cusip>
		<value>1700421</value>
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			<sshPrnamt>43578</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>43578</Sole>
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			<None>0</None>
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		<nameOfIssuer>INVESCO LTD</nameOfIssuer>
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		<cusip>G491BT108</cusip>
		<value>776200</value>
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			<sshPrnamt>46787</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>46787</Sole>
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			<None>0</None>
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		<nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
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		<value>93808</value>
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			<sshPrnamt>779</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>204</Sole>
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			<None>575</None>
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		<nameOfIssuer>JAZZ PHARMACEUTICALS PLC</nameOfIssuer>
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		<value>348495</value>
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			<sshPrnamt>2894</sshPrnamt>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>2894</Sole>
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			<None>0</None>
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		<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>46625H100</cusip>
		<value>6084667</value>
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			<sshPrnamt>30378</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26669</Sole>
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			<None>3709</None>
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		<nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>46625H100</cusip>
		<value>3739401</value>
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			<sshPrnamt>18669</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>18669</Sole>
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			<None>0</None>
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		<nameOfIssuer>KENVUE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>49177J102</cusip>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1627</Sole>
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			<None>8376</None>
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		<nameOfIssuer>KENVUE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>49177J102</cusip>
		<value>904754</value>
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			<sshPrnamt>42160</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
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			<Sole>42160</Sole>
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			<None>0</None>
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		<nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>494368103</cusip>
		<value>1775580</value>
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			<sshPrnamt>13727</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>13727</Sole>
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			<None>0</None>
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		<nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>512807108</cusip>
		<value>1117305</value>
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			<sshPrnamt>1150</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>1102</Sole>
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			<None>48</None>
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		<nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>512807108</cusip>
		<value>235120</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>242</Sole>
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			<None>0</None>
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		<nameOfIssuer>LENNAR CORP</nameOfIssuer>
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		<cusip>526057104</cusip>
		<value>401229</value>
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			<sshPrnamt>2333</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>382</Sole>
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			<None>1951</None>
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		<nameOfIssuer>LENNAR CORP</nameOfIssuer>
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		<cusip>526057104</cusip>
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			<sshPrnamt>9820</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>9820</Sole>
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			<None>0</None>
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		<nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>532457108</cusip>
		<value>2237413</value>
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			<sshPrnamt>2876</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2876</Sole>
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			<None>0</None>
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		<nameOfIssuer>LKQ CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>501889208</cusip>
		<value>163381</value>
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			<sshPrnamt>3059</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>501</Sole>
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			<None>2558</None>
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		<nameOfIssuer>LKQ CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>501889208</cusip>
		<value>687707</value>
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			<sshPrnamt>12876</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
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		<nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>539830109</cusip>
		<value>1815052</value>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3990</Sole>
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			<None>0</None>
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		<nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>565849106</cusip>
		<value>97915</value>
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			<sshPrnamt>3455</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>565</Sole>
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			<None>2890</None>
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	<infoTable>
		<nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>565849106</cusip>
		<value>412262</value>
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		<investmentDiscretion>DFND</investmentDiscretion>
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			<Sole>14547</Sole>
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		<nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
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		<cusip>571903202</cusip>
		<value>1639510</value>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6498</Sole>
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		<nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
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		<cusip>57636Q104</cusip>
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		<shrsOrPrnAmt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>5598</Sole>
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		<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
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			<sshPrnamt>4531</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>4273</Sole>
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		<nameOfIssuer>MCKESSON CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>58155Q103</cusip>
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		<investmentDiscretion>DFND</investmentDiscretion>
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	<infoTable>
		<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>58933Y105</cusip>
		<value>3581513</value>
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			<sshPrnamt>27143</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>24783</Sole>
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	<infoTable>
		<nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>58933Y105</cusip>
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			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
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			<None>0</None>
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		<nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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		<cusip>30303M102</cusip>
		<value>9497459</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19559</sshPrnamt>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18375</Sole>
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			<None>1184</None>
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	<infoTable>
		<nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>30303M102</cusip>
		<value>2894057</value>
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			<sshPrnamt>5960</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>5960</Sole>
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			<None>0</None>
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	<infoTable>
		<nameOfIssuer>METLIFE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>59156R108</cusip>
		<value>1694674</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22867</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20943</Sole>
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			<None>1924</None>
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	<infoTable>
		<nameOfIssuer>METLIFE INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>59156R108</cusip>
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			<sshPrnamt>9685</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>9685</Sole>
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	<infoTable>
		<nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>595017104</cusip>
		<value>152956</value>
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			<sshPrnamt>1705</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>279</Sole>
			<Shared>0</Shared>
			<None>1426</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MICROCHIP TECHNOLOGY INC.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>595017104</cusip>
		<value>643938</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7178</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>7178</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>594918104</cusip>
		<value>25285962</value>
		<shrsOrPrnAmt>
			<sshPrnamt>60102</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>60102</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>609207105</cusip>
		<value>72100</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1030</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>169</Sole>
			<Shared>0</Shared>
			<None>861</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
		<titleOfClass>CL A</titleOfClass>
		<cusip>609207105</cusip>
		<value>303450</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4335</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4335</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
		<titleOfClass>COM NEW</titleOfClass>
		<cusip>617446448</cusip>
		<value>2161725</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22958</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22958</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NETFLIX INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>64110L106</cusip>
		<value>2109864</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3474</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3272</Sole>
			<Shared>0</Shared>
			<None>202</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NETFLIX INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>64110L106</cusip>
		<value>617655</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1017</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>1017</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>65339F101</cusip>
		<value>3580632</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56026</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>56026</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>NRG ENERGY INC</nameOfIssuer>
		<titleOfClass>COM NEW</titleOfClass>
		<cusip>629377508</cusip>
		<value>1403620</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20736</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>17612</Sole>
			<Shared>0</Shared>
			<None>3124</None>
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	<infoTable>
		<nameOfIssuer>NRG ENERGY INC</nameOfIssuer>
		<titleOfClass>COM NEW</titleOfClass>
		<cusip>629377508</cusip>
		<value>1064425</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15725</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>15725</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
		<titleOfClass>SHS</titleOfClass>
		<cusip>G6700G107</cusip>
		<value>235851</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3128</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>2116</Sole>
			<Shared>0</Shared>
			<None>1012</None>
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	<infoTable>
		<nameOfIssuer>NVENT ELECTRIC PLC</nameOfIssuer>
		<titleOfClass>SHS</titleOfClass>
		<cusip>G6700G107</cusip>
		<value>384163</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5095</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>5095</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>67066G104</cusip>
		<value>10228299</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11320</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11320</Sole>
			<Shared>0</Shared>
			<None>0</None>
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		<nameOfIssuer>OMEGA HEALTHCARE INVS INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>681936100</cusip>
		<value>734317</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23187</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23187</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>682189105</cusip>
		<value>938351</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12758</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11490</Sole>
			<Shared>0</Shared>
			<None>1268</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>ON SEMICONDUCTOR CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>682189105</cusip>
		<value>469470</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6383</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>6383</Sole>
			<Shared>0</Shared>
			<None>0</None>
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	<infoTable>
		<nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>682680103</cusip>
		<value>3097808</value>
		<shrsOrPrnAmt>
			<sshPrnamt>38640</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>38640</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>ORACLE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>68389X105</cusip>
		<value>2535061</value>
		<shrsOrPrnAmt>
			<sshPrnamt>20182</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>20182</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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		<nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>701094104</cusip>
		<value>103377</value>
		<shrsOrPrnAmt>
			<sshPrnamt>186</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>31</Sole>
			<Shared>0</Shared>
			<None>155</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>701094104</cusip>
		<value>434072</value>
		<shrsOrPrnAmt>
			<sshPrnamt>781</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>781</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PAYCHEX INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>704326107</cusip>
		<value>1243360</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10125</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>10125</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>713448108</cusip>
		<value>700565</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4003</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>3111</Sole>
			<Shared>0</Shared>
			<None>892</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PEPSICO INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>713448108</cusip>
		<value>785795</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4490</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4490</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PERFORMANCE FOOD GROUP CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>71377A103</cusip>
		<value>133979</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1795</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>843</Sole>
			<Shared>0</Shared>
			<None>952</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PERFORMANCE FOOD GROUP CO</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>71377A103</cusip>
		<value>357675</value>
		<shrsOrPrnAmt>
			<sshPrnamt>4792</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>4792</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PFIZER INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>717081103</cusip>
		<value>640109</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23067</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>23067</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>718172109</cusip>
		<value>5130734</value>
		<shrsOrPrnAmt>
			<sshPrnamt>56000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>54545</Sole>
			<Shared>0</Shared>
			<None>1455</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>718172109</cusip>
		<value>671025</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7324</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>7324</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>693475105</cusip>
		<value>2928609</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18123</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>18123</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PPL CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>69351T106</cusip>
		<value>625467</value>
		<shrsOrPrnAmt>
			<sshPrnamt>22719</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>22719</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>743315103</cusip>
		<value>5711334</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27615</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>25636</Sole>
			<Shared>0</Shared>
			<None>1979</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>743315103</cusip>
		<value>2060341</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9962</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>DFND</investmentDiscretion>
		<otherManager>1</otherManager>
		<votingAuthority>
			<Sole>9962</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>74340W103</cusip>
		<value>1513156</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11620</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>11620</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>745867101</cusip>
		<value>3142754</value>
		<shrsOrPrnAmt>
			<sshPrnamt>26055</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>26055</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>QUALCOMM INC</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>747525103</cusip>
		<value>1050337</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6204</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6204</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>RANGE RES CORP</nameOfIssuer>
		<titleOfClass>COM</titleOfClass>
		<cusip>75281A109</cusip>
		<value>216634</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6292</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>6292</Sole>
			<Shared>0</Shared>
			<None>0</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
		<titleOfClass>SPONSORED ADR</titleOfClass>
		<cusip>767204100</cusip>
		<value>1233815</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19357</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<nameOfIssuer>RTX CORPORATION</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>RTX CORPORATION</nameOfIssuer>
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		<nameOfIssuer>SALESFORCE INC</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Sole>6214</Sole>
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		<nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>SOUTHERN CO</nameOfIssuer>
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		<nameOfIssuer>STEEL DYNAMICS INC</nameOfIssuer>
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		<nameOfIssuer>SUMITOMO MITSUI FINL GROUP I</nameOfIssuer>
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		<nameOfIssuer>TESLA INC</nameOfIssuer>
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		<nameOfIssuer>TORONTO DOMINION BK ONT</nameOfIssuer>
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		<nameOfIssuer>TRAVEL PLUS LEISURE CO</nameOfIssuer>
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		<nameOfIssuer>TRUIST FINL CORP</nameOfIssuer>
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		<nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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		<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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		<nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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		<nameOfIssuer>US FOODS HLDG CORP</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>BERKLEY W R CORP</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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