The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO Equities 88579Y101 270 1,519 SH   DFND   1,519 0 0
3M CO Equities 88579Y101 264 1,488 SH   SOLE   1,488 0 0
ABBOTT LABORATORIES Equities 002824100 127 900 SH   DFND   900 0 0
ABBOTT LABORATORIES Equities 002824100 5,490 39,011 SH   SOLE   39,011 0 0
ABBVIE INC COM Equities 00287Y109 130 960 SH   DFND   960 0 0
ABBVIE INC COM Equities 00287Y109 5,782 42,706 SH   SOLE   42,706 0 0
ACCENTURE PLC IRELAND CL A Equities G1151C101 31 75 SH   DFND   75 0 0
ACCENTURE PLC IRELAND CL A Equities G1151C101 271 654 SH   SOLE   654 0 0
ALLIANCE BERNSTEIN HOLDING LP U Equities 01881G106 342 7,000 SH   SOLE   7,000 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 43 15 SH   DFND   15 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 947 327 SH   SOLE   327 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 78 27 SH   DFND   27 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 1,360 470 SH   SOLE   470 0 0
AMAZON.COM INC Equities 023135106 33 10 SH   DFND   10 0 0
AMAZON.COM INC Equities 023135106 584 175 SH   SOLE   175 0 0
AMERICAN EXPRESS CO Equities 025816109 33 200 SH   DFND   200 0 0
AMERICAN EXPRESS CO Equities 025816109 286 1,748 SH   SOLE   1,748 0 0
AMGEN INC Equities 031162100 108 480 SH   DFND   480 0 0
AMGEN INC Equities 031162100 240 1,069 SH   SOLE   1,069 0 0
APPLE INC Equities 037833100 374 2,106 SH   DFND   2,106 0 0
APPLE INC Equities 037833100 10,615 59,780 SH   SOLE   59,780 0 0
AT&T INC Equities 00206R102 50 2,015 SH   DFND   2,015 0 0
AT&T INC Equities 00206R102 456 18,554 SH   SOLE   18,554 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 399 1,618 SH   DFND   1,618 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 2,019 8,190 SH   SOLE   8,190 0 0
BECTON DICKINSON & CO Equities 075887109 163 650 SH   DFND   650 0 0
BECTON DICKINSON & CO Equities 075887109 775 3,082 SH   SOLE   3,082 0 0
BERKSHIRE HATHAWAY INC B Equities 084670702 336 1,123 SH   SOLE   1,123 0 0
BLACKROCK INC Equities 09247X101 264 288 SH   SOLE   288 0 0
BOEING CO Equities 097023105 254 1,264 SH   SOLE   1,264 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 43 690 SH   DFND   690 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 535 8,586 SH   SOLE   8,586 0 0
BROADCOM INC Equities 11135F101 37 56 SH   DFND   56 0 0
BROADCOM INC Equities 11135F101 230 346 SH   SOLE   346 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 54 300 SH   DFND   300 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 574 3,212 SH   SOLE   3,212 0 0
CARRIER GLOBAL CORP Equities 14448C104 59 1,090 SH   DFND   1,090 0 0
CARRIER GLOBAL CORP Equities 14448C104 250 4,606 SH   SOLE   4,606 0 0
CATERPILLAR INC Equities 149123101 31 150 SH   DFND   150 0 0
CATERPILLAR INC Equities 149123101 418 2,023 SH   SOLE   2,023 0 0
CHEVRON CORP Equities 166764100 56 476 SH   DFND   476 0 0
CHEVRON CORP Equities 166764100 721 6,145 SH   SOLE   6,145 0 0
CHUBB LIMITED Equities H1467J104 107 555 SH   DFND   555 0 0
CHUBB LIMITED Equities H1467J104 1,188 6,145 SH   SOLE   6,145 0 0
CISCO SYSTEMS INC Equities 17275R102 208 3,280 SH   DFND   3,280 0 0
CISCO SYSTEMS INC Equities 17275R102 649 10,246 SH   SOLE   10,246 0 0
COCA COLA CO Equities 191216100 57 960 SH   DFND   960 0 0
COCA COLA CO Equities 191216100 1,075 18,164 SH   SOLE   18,164 0 0
COMCAST CORP CLASS A Equities 20030N101 20 399 SH   DFND   399 0 0
COMCAST CORP CLASS A Equities 20030N101 347 6,897 SH   SOLE   6,897 0 0
COSTCO WHOLESALE CORP Equities 22160K105 193 340 SH   DFND   340 0 0
COSTCO WHOLESALE CORP Equities 22160K105 2,418 4,260 SH   SOLE   4,260 0 0
CSX CORP Equities 126408103 11 290 SH   DFND   290 0 0
CSX CORP Equities 126408103 807 21,450 SH   SOLE   21,450 0 0
CUMMINS INC Equities 231021106 31 140 SH   DFND   140 0 0
CUMMINS INC Equities 231021106 260 1,192 SH   SOLE   1,192 0 0
CVS HEALTH CORPORATION Equities 126650100 8 75 SH   DFND   75 0 0
CVS HEALTH CORPORATION Equities 126650100 370 3,587 SH   SOLE   3,587 0 0
DEERE & COMPANY Equities 244199105 14 42 SH   DFND   42 0 0
DEERE & COMPANY Equities 244199105 2,023 5,901 SH   SOLE   5,901 0 0
DELEK LOGISTICS PARTNERS LP Equities 24664T103 299 7,000 SH   SOLE   7,000 0 0
DISNEY WALT CO Equities 254687106 2,365 15,267 SH   SOLE   15,267 0 0
EMERSON ELECTRIC CO Equities 291011104 25 274 SH   DFND   274 0 0
EMERSON ELECTRIC CO Equities 291011104 245 2,640 SH   SOLE   2,640 0 0
EXPEDITORS INTERNATIONAL Equities 302130109 510 3,800 SH   SOLE   3,800 0 0
EXXON MOBIL CORP Equities 30231G102 161 2,630 SH   DFND   2,630 0 0
EXXON MOBIL CORP Equities 30231G102 2,383 38,946 SH   SOLE   38,946 0 0
FEDEX CORP Equities 31428X106 32 125 SH   DFND   125 0 0
FEDEX CORP Equities 31428X106 383 1,480 SH   SOLE   1,480 0 0
GENERAL ELECTRIC CO NEW Equities 369604301 23 245 SH   DFND   245 0 0
GENERAL ELECTRIC CO NEW Equities 369604301 246 2,605 SH   SOLE   2,605 0 0
GENERAL MILLS INC Equities 370334104 115 1,700 SH   DFND   1,700 0 0
GENERAL MILLS INC Equities 370334104 175 2,591 SH   SOLE   2,591 0 0
HARLEY DAVIDSON INC Equities 412822108 528 14,000 SH   SOLE   14,000 0 0
HOME DEPOT INC Equities 437076102 7 16 SH   DFND   16 0 0
HOME DEPOT INC Equities 437076102 248 598 SH   SOLE   598 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106 5 25 SH   DFND   25 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106 1,109 5,319 SH   SOLE   5,319 0 0
INTEL CORP Equities 458140100 108 2,096 SH   DFND   2,096 0 0
INTEL CORP Equities 458140100 864 16,775 SH   SOLE   16,775 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 115 863 SH   DFND   863 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 851 6,370 SH   SOLE   6,370 0 0
INVESCO FTSE RAFI US 1000 ETF Equities 46137V613 379 2,209 SH   SOLE   2,209 0 0
INVESCO SENIOR LOAN ETF Fixed Income 46138G508 554 25,069 SH   SOLE   25,069 0 0
ISHARES CORE MSCI EMERGING MKTS Equities 46434G103 352 5,879 SH   SOLE   5,879 0 0
ISHARES CORE MSCI INTL DEV MKTS Equities 46435G326 906 13,410 SH   SOLE   13,410 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834 10 145 SH   DFND   145 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834 2,548 35,918 SH   SOLE   35,918 0 0
ISHARES CORE S&P 500 (MKT) ETF Equities 464287200 2,964 6,215 SH   SOLE   6,215 0 0
ISHARES CORE S&P MID CAP ETF Equities 464287507 518 1,829 SH   SOLE   1,829 0 0
ISHARES CORE US AGGREGATE BOND Fixed Income 464287226 1,858 16,289 SH   SOLE   16,289 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 86 1,095 SH   DFND   1,095 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 1,150 14,616 SH   SOLE   14,616 0 0
ISHARES MSCI EMG MKT ETF Equities 464287234 643 13,159 SH   SOLE   13,159 0 0
ISHARES MSCI USA EQUAL WEIGHTED Equities 464286681 395 4,410 SH   SOLE   4,410 0 0
ISHARES MSCI USA QUALITY FACTOR Equities 46432F339 292 2,005 SH   SOLE   2,005 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614 215 705 SH   SOLE   705 0 0
ISHARES RUSSELL 2000 (MKT) Equities 464287655 2,943 13,230 SH   SOLE   13,230 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 76 259 SH   DFND   259 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 815 2,781 SH   SOLE   2,781 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 61 365 SH   DFND   365 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 408 2,456 SH   SOLE   2,456 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 152 1,832 SH   DFND   1,832 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 2,871 34,588 SH   SOLE   34,588 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309 205 2,456 SH   SOLE   2,456 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705 788 7,116 SH   SOLE   7,116 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606 569 6,674 SH   SOLE   6,674 0 0
JOHNSON AND JOHNSON Equities 478160104 238 1,394 SH   DFND   1,394 0 0
JOHNSON AND JOHNSON Equities 478160104 3,203 18,721 SH   SOLE   18,721 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 196 1,238 SH   DFND   1,238 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 2,315 14,619 SH   SOLE   14,619 0 0
KIMBERLY-CLARK CORP Equities 494368103 95 664 SH   DFND   664 0 0
KIMBERLY-CLARK CORP Equities 494368103 333 2,332 SH   SOLE   2,332 0 0
KNOT OFFSHORE PARTNERS LP Equities Y48125101 227 17,000 SH   SOLE   17,000 0 0
LINDE PLC Equities G5494J103 199 575 SH   DFND   575 0 0
LINDE PLC Equities G5494J103 742 2,141 SH   SOLE   2,141 0 0
LOWES COMPANIES INC Equities 548661107 31 118 SH   DFND   118 0 0
LOWES COMPANIES INC Equities 548661107 414 1,602 SH   SOLE   1,602 0 0
MCDONALDS CORP Equities 580135101 201 750 SH   DFND   750 0 0
MCDONALDS CORP Equities 580135101 1,037 3,869 SH   SOLE   3,869 0 0
MEDTRONIC PLC SHS Equities G5960L103 220 2,127 SH   SOLE   2,127 0 0
MERCK & CO INC Equities 58933Y105 8 100 SH   DFND   100 0 0
MERCK & CO INC Equities 58933Y105 343 4,472 SH   SOLE   4,472 0 0
MICROSOFT CORP Equities 594918104 1,211 3,601 SH   DFND   3,601 0 0
MICROSOFT CORP Equities 594918104 9,588 28,510 SH   SOLE   28,510 0 0
MONDELEZ INTL INC CL A Equities 609207105 289 4,361 SH   SOLE   4,361 0 0
NEXTERA ENERGY INC Equities 65339F101 181 1,935 SH   DFND   1,935 0 0
NEXTERA ENERGY INC Equities 65339F101 1,774 18,998 SH   SOLE   18,998 0 0
NORFOLK SOUTHERN CORP Equities 655844108 354 1,190 SH   SOLE   1,190 0 0
NOVARTIS AG ADR Equities 66987V109 60 691 SH   DFND   691 0 0
NOVARTIS AG ADR Equities 66987V109 470 5,378 SH   SOLE   5,378 0 0
NUVEEN CALIFORNIA QUALITY MUNI Fixed Income 67066Y105 2,741 175,262 SH   SOLE   175,262 0 0
ORACLE CORP Equities 68389X105 87 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105 409 4,690 SH   SOLE   4,690 0 0
OTIS WORLDWIDE CORP Equities 68902V107 51 587 SH   DFND   587 0 0
OTIS WORLDWIDE CORP Equities 68902V107 228 2,623 SH   SOLE   2,623 0 0
PEPSICO INC Equities 713448108 216 1,246 SH   DFND   1,246 0 0
PEPSICO INC Equities 713448108 1,184 6,817 SH   SOLE   6,817 0 0
PFIZER INC Equities 717081103 111 1,877 SH   DFND   1,877 0 0
PFIZER INC Equities 717081103 624 10,569 SH   SOLE   10,569 0 0
PHILIP MORRIS INTL INC Equities 718172109 22 233 SH   DFND   233 0 0
PHILIP MORRIS INTL INC Equities 718172109 269 2,835 SH   SOLE   2,835 0 0
PHILLIPS 66 Equities 718546104 33 460 SH   DFND   460 0 0
PHILLIPS 66 Equities 718546104 211 2,912 SH   SOLE   2,912 0 0
PIMCO CALIFORNIA MUNI INCOME FU Fixed Income 72200N106 696 37,440 SH   SOLE   37,440 0 0
PROCTER & GAMBLE CO Equities 742718109 202 1,235 SH   DFND   1,235 0 0
PROCTER & GAMBLE CO Equities 742718109 3,215 19,653 SH   SOLE   19,653 0 0
QUALCOMM INC Equities 747525103 37 200 SH   DFND   200 0 0
QUALCOMM INC Equities 747525103 927 5,071 SH   SOLE   5,071 0 0
RAYTHEON TECHS CORP Equities 75513E101 137 1,589 SH   DFND   1,589 0 0
RAYTHEON TECHS CORP Equities 75513E101 959 11,140 SH   SOLE   11,140 0 0
S&P GLOBAL INC Equities 78409V104 191 404 SH   DFND   404 0 0
S&P GLOBAL INC Equities 78409V104 625 1,325 SH   SOLE   1,325 0 0
SARATOGA INVESTMENT CORP NEW Equities 80349A208 382 13,000 SH   SOLE   13,000 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 354 4,376 SH   DFND   4,376 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 806 9,966 SH   SOLE   9,966 0 0
SCHWAB U S LARGE CAP ETF Equities 808524201 1,624 14,268 SH   SOLE   14,268 0 0
SCHWAB US SMALL CAP ETF Equities 808524607 709 6,922 SH   SOLE   6,922 0 0
SPDR S&P MIDCAP 400 (MKT) Equities 78467Y107 2,349 4,538 SH   SOLE   4,538 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 165 1,348 SH   DFND   1,348 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 1,301 10,651 SH   SOLE   10,651 0 0
STARBUCKS CORP Equities 855244109 31 268 SH   DFND   268 0 0
STARBUCKS CORP Equities 855244109 689 5,891 SH   SOLE   5,891 0 0
STATE STREET CORPORATION Equities 857477103 75 804 SH   DFND   804 0 0
STATE STREET CORPORATION Equities 857477103 178 1,915 SH   SOLE   1,915 0 0
SUN LIFE FINANCIAL INC Equities 866796105 462 8,303 SH   SOLE   8,303 0 0
SUNOCO LTD PARTNERSHIP Equities 86765K109 421 10,300 SH   SOLE   10,300 0 0
TARGET CORP Equities 87612E106 46 200 SH   DFND   200 0 0
TARGET CORP Equities 87612E106 1,161 5,017 SH   SOLE   5,017 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102 676 1,013 SH   SOLE   1,013 0 0
UNITED PARCEL SERVICE CL B Equities 911312106 37 171 SH   DFND   171 0 0
UNITED PARCEL SERVICE CL B Equities 911312106 571 2,665 SH   SOLE   2,665 0 0
US BANCORP Equities 902973304 251 4,470 SH   SOLE   4,470 0 0
VANGUARD FTSE ALL-WORLD EX-US Equities 922042775 388 6,334 SH   SOLE   6,334 0 0
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858 791 15,503 SH   SOLE   15,503 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 39 791 SH   DFND   791 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 1,149 23,228 SH   SOLE   23,228 0 0
VANGUARD GROWTH ETF (MKT) Equities 922908736 2,638 8,218 SH   SOLE   8,218 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 567 5,057 SH   DFND   5,057 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 1,291 11,519 SH   SOLE   11,519 0 0
VANGUARD LARGE CAP ETF Equities 922908637 1,383 6,256 SH   SOLE   6,256 0 0
VANGUARD MEGA CAP GROWTH ETF Equities 921910816 250 960 SH   SOLE   960 0 0
VANGUARD REIT ETF (MKT) Equities 922908553 389 3,353 SH   SOLE   3,353 0 0
VANGUARD S&P 500 INDEX ETF Equities 922908363 760 1,741 SH   SOLE   1,741 0 0
VANGUARD SHORT-TERM BOND ETF Fixed Income 921937827 845 10,450 SH   SOLE   10,450 0 0
VANGUARD SHORT-TERM CORP BD IDX Fixed Income 92206C409 736 9,052 SH   SOLE   9,052 0 0
VANGUARD SMALL CAP ETF Equities 922908751 399 1,765 SH   SOLE   1,765 0 0
VANGUARD TOTAL INTL BD IDX ETF Fixed Income 92203J407 261 4,729 SH   SOLE   4,729 0 0
VANGUARD US MOMENTUM FACTOR ETF Equities 921935508 373 2,800 SH   SOLE   2,800 0 0
VANGUARD VALUE ETF Equities 922908744 3,292 22,376 SH   SOLE   22,376 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 99 1,906 SH   DFND   1,906 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 719 13,841 SH   SOLE   13,841 0 0
VF CORPORATION Equities 918204108 111 1,514 SH   DFND   1,514 0 0
VF CORPORATION Equities 918204108 683 9,327 SH   SOLE   9,327 0 0
VISA INC CL A Equities 92826C839 484 2,235 SH   SOLE   2,235 0 0
WALMART INC Equities 931142103 81 557 SH   DFND   557 0 0
WALMART INC Equities 931142103 180 1,244 SH   SOLE   1,244 0 0
WELLS FARGO & COMPANY Equities 949746101 178 3,700 SH   DFND   3,700 0 0
WELLS FARGO & COMPANY Equities 949746101 848 17,674 SH   SOLE   17,674 0 0