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 226 1,519 SH   DFND   1,519 0 0
3M CO Equities 88579Y101 198 1,328 SH   SOLE   1,328 0 0
ABBOTT LABORATORIES Equities 002824100 107 900 SH   DFND   900 0 0
ABBOTT LABORATORIES Equities 002824100 4,617 39,011 SH   SOLE   39,011 0 0
ABBVIE INC COM Equities 00287Y109 156 960 SH   DFND   960 0 0
ABBVIE INC COM Equities 00287Y109 6,874 42,406 SH   SOLE   42,406 0 0
ACCENTURE PLC IRELAND CL A Equities G1151C101 25 75 SH   DFND   75 0 0
ACCENTURE PLC IRELAND CL A Equities G1151C101 195 579 SH   SOLE   579 0 0
ALLIANCE BERNSTEIN HOLDING LP U Equities 01881G106 329 7,000 SH   SOLE   7,000 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 42 15 SH   DFND   15 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 840 302 SH   SOLE   302 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 75 27 SH   DFND   27 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 1,327 475 SH   SOLE   475 0 0
AMAZON.COM INC Equities 023135106 33 10 SH   DFND   10 0 0
AMAZON.COM INC Equities 023135106 545 167 SH   SOLE   167 0 0
AMERICAN EXPRESS CO Equities 025816109 37 200 SH   DFND   200 0 0
AMERICAN EXPRESS CO Equities 025816109 327 1,748 SH   SOLE   1,748 0 0
AMERICAN TOWER CORP NEW Equities 03027X100 27 106 SH   DFND   106 0 0
AMERICAN TOWER CORP NEW Equities 03027X100 203 809 SH   SOLE   809 0 0
AMGEN INC Equities 031162100 116 480 SH   DFND   480 0 0
AMGEN INC Equities 031162100 227 937 SH   SOLE   937 0 0
APPLE INC Equities 037833100 368 2,106 SH   DFND   2,106 0 0
APPLE INC Equities 037833100 9,519 54,421 SH   SOLE   54,421 0 0
AT&T INC Equities 00206R102 48 2,015 SH   DFND   2,015 0 0
AT&T INC Equities 00206R102 270 11,441 SH   SOLE   11,441 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 367 1,613 SH   DFND   1,613 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 1,786 7,850 SH   SOLE   7,850 0 0
BANK OF AMERICA CORP Equities 060505104 19 459 SH   DFND   459 0 0
BANK OF AMERICA CORP Equities 060505104 188 4,549 SH   SOLE   4,549 0 0
BECTON DICKINSON & CO Equities 075887109 173 650 SH   DFND   650 0 0
BECTON DICKINSON & CO Equities 075887109 796 2,992 SH   SOLE   2,992 0 0
BERKSHIRE HATHAWAY INC B Equities 084670702 326 923 SH   SOLE   923 0 0
BLACKROCK INC Equities 09247X101 220 288 SH   SOLE   288 0 0
BOEING CO Equities 097023105 242 1,264 SH   SOLE   1,264 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 50 690 SH   DFND   690 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 601 8,226 SH   SOLE   8,226 0 0
BROADCOM INC Equities 11135F101 34 54 SH   DFND   54 0 0
BROADCOM INC Equities 11135F101 215 341 SH   SOLE   341 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 50 300 SH   DFND   300 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 510 3,067 SH   SOLE   3,067 0 0
CARRIER GLOBAL CORP Equities 14448C104 50 1,090 SH   DFND   1,090 0 0
CARRIER GLOBAL CORP Equities 14448C104 207 4,506 SH   SOLE   4,506 0 0
CATERPILLAR INC Equities 149123101 33 150 SH   DFND   150 0 0
CATERPILLAR INC Equities 149123101 179 803 SH   SOLE   803 0 0
CHENIERE ENERGY PARTNERS LP UNI Equities 16411Q101 225 4,000 SH   SOLE   4,000 0 0
CHEVRON CORP Equities 166764100 78 476 SH   DFND   476 0 0
CHEVRON CORP Equities 166764100 1,043 6,408 SH   SOLE   6,408 0 0
CHUBB LIMITED Equities H1467J104 111 520 SH   DFND   520 0 0
CHUBB LIMITED Equities H1467J104 1,273 5,953 SH   SOLE   5,953 0 0
CISCO SYSTEMS INC Equities 17275R102 183 3,280 SH   DFND   3,280 0 0
CISCO SYSTEMS INC Equities 17275R102 529 9,491 SH   SOLE   9,491 0 0
COCA COLA CO Equities 191216100 60 960 SH   DFND   960 0 0
COCA COLA CO Equities 191216100 1,115 17,985 SH   SOLE   17,985 0 0
COMCAST CORP CLASS A Equities 20030N101 19 399 SH   DFND   399 0 0
COMCAST CORP CLASS A Equities 20030N101 318 6,795 SH   SOLE   6,795 0 0
COSTCO WHOLESALE CORP Equities 22160K105 192 334 SH   DFND   334 0 0
COSTCO WHOLESALE CORP Equities 22160K105 2,402 4,172 SH   SOLE   4,172 0 0
CSX CORP Equities 126408103 11 290 SH   DFND   290 0 0
CSX CORP Equities 126408103 803 21,450 SH   SOLE   21,450 0 0
CUMMINS INC Equities 231021106 26 125 SH   DFND   125 0 0
CUMMINS INC Equities 231021106 236 1,149 SH   SOLE   1,149 0 0
CVS HEALTH CORPORATION Equities 126650100 8 75 SH   DFND   75 0 0
CVS HEALTH CORPORATION Equities 126650100 396 3,917 SH   SOLE   3,917 0 0
DEERE & COMPANY Equities 244199105 17 42 SH   DFND   42 0 0
DEERE & COMPANY Equities 244199105 1,591 3,829 SH   SOLE   3,829 0 0
DELEK LOGISTICS PARTNERS LP Equities 24664T103 308 7,000 SH   SOLE   7,000 0 0
DISNEY WALT CO Equities 254687106 2,101 15,317 SH   SOLE   15,317 0 0
DOW INC Equities 260557103 8 127 SH   DFND   127 0 0
DOW INC Equities 260557103 203 3,178 SH   SOLE   3,178 0 0
EMERSON ELECTRIC CO Equities 291011104 27 274 SH   DFND   274 0 0
EMERSON ELECTRIC CO Equities 291011104 259 2,640 SH   SOLE   2,640 0 0
EXPEDITORS INTERNATIONAL Equities 302130109 392 3,800 SH   SOLE   3,800 0 0
EXXON MOBIL CORP Equities 30231G102 217 2,630 SH   DFND   2,630 0 0
EXXON MOBIL CORP Equities 30231G102 2,335 28,276 SH   SOLE   28,076 0 200
FEDEX CORP Equities 31428X106 29 125 SH   DFND   125 0 0
FEDEX CORP Equities 31428X106 334 1,445 SH   SOLE   1,445 0 0
GENERAL ELECTRIC CO NEW Equities 369604301 22 245 SH   DFND   245 0 0
GENERAL ELECTRIC CO NEW Equities 369604301 234 2,557 SH   SOLE   2,557 0 0
GENERAL MILLS INC Equities 370334104 115 1,700 SH   DFND   1,700 0 0
GENERAL MILLS INC Equities 370334104 159 2,345 SH   SOLE   2,345 0 0
HARLEY DAVIDSON INC Equities 412822108 552 14,000 SH   SOLE   14,000 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106 5 25 SH   DFND   25 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106 897 4,609 SH   SOLE   4,609 0 0
INTEL CORP Equities 458140100 104 2,096 SH   DFND   2,096 0 0
INTEL CORP Equities 458140100 792 15,990 SH   SOLE   15,990 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 112 863 SH   DFND   863 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 564 4,340 SH   SOLE   4,340 0 0
INVESCO FTSE RAFI US 1000 ETF Equities 46137V613 362 2,117 SH   SOLE   2,117 0 0
INVESCO SENIOR LOAN ETF Fixed Income 46138G508 541 24,865 SH   SOLE   24,865 0 0
ISHARES CORE MSCI EMERGING MKTS Equities 46434G103 314 5,644 SH   SOLE   5,644 0 0
ISHARES CORE MSCI INTL DEV MKTS Equities 46435G326 360 5,665 SH   SOLE   5,665 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 2,443 36,691 SH   SOLE   36,691 0 0
ISHARES CORE S&P 500 (MKT) ETF Equities 464287200 2,734 6,026 SH   SOLE   6,026 0 0
ISHARES CORE S&P MID CAP ETF Equities 464287507 491 1,829 SH   SOLE   1,829 0 0
ISHARES CORE US AGGREGATE BOND Fixed Income 464287226 1,798 16,787 SH   SOLE   16,787 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 81 1,095 SH   DFND   1,095 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 1,076 14,616 SH   SOLE   14,616 0 0
ISHARES MSCI EMG MKT ETF Equities 464287234 552 12,215 SH   SOLE   12,215 0 0
ISHARES MSCI USA QUALITY FACTOR Equities 46432F339 279 2,069 SH   SOLE   2,069 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614 201 724 SH   SOLE   724 0 0
ISHARES RUSSELL 2000 (MKT) Equities 464287655 2,689 13,099 SH   SOLE   13,099 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 66 259 SH   DFND   259 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 735 2,872 SH   SOLE   2,872 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 59 365 SH   DFND   365 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 402 2,494 SH   SOLE   2,494 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 143 1,832 SH   DFND   1,832 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 2,699 34,588 SH   SOLE   34,588 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705 754 6,882 SH   SOLE   6,882 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606 541 6,995 SH   SOLE   6,995 0 0
JOHNSON AND JOHNSON Equities 478160104 242 1,368 SH   DFND   1,368 0 0
JOHNSON AND JOHNSON Equities 478160104 3,158 17,816 SH   SOLE   17,816 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 169 1,238 SH   DFND   1,238 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 2,036 14,939 SH   SOLE   14,939 0 0
KIMBERLY-CLARK CORP Equities 494368103 82 664 SH   DFND   664 0 0
KIMBERLY-CLARK CORP Equities 494368103 146 1,188 SH   SOLE   1,188 0 0
KNOT OFFSHORE PARTNERS LP Equities Y48125101 287 17,000 SH   SOLE   17,000 0 0
LINDE PLC Equities G5494J103 184 575 SH   DFND   575 0 0
LINDE PLC Equities G5494J103 668 2,091 SH   SOLE   2,091 0 0
LOWES COMPANIES INC Equities 548661107 24 118 SH   DFND   118 0 0
LOWES COMPANIES INC Equities 548661107 303 1,499 SH   SOLE   1,499 0 0
MCDONALDS CORP Equities 580135101 185 750 SH   DFND   750 0 0
MCDONALDS CORP Equities 580135101 927 3,749 SH   SOLE   3,749 0 0
MERCK & CO INC Equities 58933Y105 8 100 SH   DFND   100 0 0
MERCK & CO INC Equities 58933Y105 369 4,502 SH   SOLE   4,502 0 0
MICROSOFT CORP Equities 594918104 1,111 3,596 SH   DFND   3,596 0 0
MICROSOFT CORP Equities 594918104 8,227 26,628 SH   SOLE   26,628 0 0
MONDELEZ INTL INC CL A Equities 609207105 276 4,404 SH   SOLE   4,404 0 0
NEXTERA ENERGY INC Equities 65339F101 164 1,935 SH   DFND   1,935 0 0
NEXTERA ENERGY INC Equities 65339F101 1,599 18,872 SH   SOLE   18,872 0 0
NORFOLK SOUTHERN CORP Equities 655844108 368 1,290 SH   SOLE   1,290 0 0
NOVARTIS AG ADR Equities 66987V109 57 650 SH   DFND   650 0 0
NOVARTIS AG ADR Equities 66987V109 449 5,112 SH   SOLE   5,112 0 0
NUVEEN CALIFORNIA QUALITY MUNI Fixed Income 67066Y105 2,267 172,764 SH   SOLE   172,764 0 0
ORACLE CORP Equities 68389X105 83 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105 388 4,690 SH   SOLE   4,690 0 0
OTIS WORLDWIDE CORP Equities 68902V107 45 587 SH   DFND   587 0 0
OTIS WORLDWIDE CORP Equities 68902V107 174 2,263 SH   SOLE   2,263 0 0
PEPSICO INC Equities 713448108 209 1,246 SH   DFND   1,246 0 0
PEPSICO INC Equities 713448108 1,073 6,409 SH   SOLE   6,409 0 0
PFIZER INC Equities 717081103 97 1,877 SH   DFND   1,877 0 0
PFIZER INC Equities 717081103 626 12,088 SH   SOLE   12,088 0 0
PHILIP MORRIS INTL INC Equities 718172109 22 233 SH   DFND   233 0 0
PHILIP MORRIS INTL INC Equities 718172109 317 3,370 SH   SOLE   3,370 0 0
PHILLIPS 66 Equities 718546104 40 460 SH   DFND   460 0 0
PHILLIPS 66 Equities 718546104 240 2,776 SH   SOLE   2,776 0 0
PIMCO CALIFORNIA MUNI INCOME FU Fixed Income 72200N106 588 37,440 SH   SOLE   37,440 0 0
PROCTER & GAMBLE CO Equities 742718109 189 1,235 SH   DFND   1,235 0 0
PROCTER & GAMBLE CO Equities 742718109 2,933 19,198 SH   SOLE   19,198 0 0
QUALCOMM INC Equities 747525103 31 200 SH   DFND   200 0 0
QUALCOMM INC Equities 747525103 790 5,171 SH   SOLE   5,171 0 0
RAYTHEON TECHS CORP Equities 75513E101 148 1,490 SH   DFND   1,490 0 0
RAYTHEON TECHS CORP Equities 75513E101 936 9,443 SH   SOLE   9,443 0 0
S&P GLOBAL INC Equities 78409V104 166 404 SH   DFND   404 0 0
S&P GLOBAL INC Equities 78409V104 521 1,270 SH   SOLE   1,270 0 0
SARATOGA INVESTMENT CORP NEW Equities 80349A208 354 13,000 SH   SOLE   13,000 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 353 4,477 SH   DFND   4,477 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 769 9,749 SH   SOLE   9,749 0 0
SCHWAB U S LARGE CAP ETF Equities 808524201 1,537 28,536 SH   SOLE   28,536 0 0
SCHWAB US SMALL CAP ETF Equities 808524607 656 13,844 SH   SOLE   13,844 0 0
SPDR S&P MIDCAP 400 (MKT) Equities 78467Y107 2,214 4,515 SH   SOLE   4,515 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 158 1,348 SH   DFND   1,348 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 1,250 10,651 SH   SOLE   10,651 0 0
STARBUCKS CORP Equities 855244109 27 297 SH   DFND   297 0 0
STARBUCKS CORP Equities 855244109 439 4,823 SH   SOLE   4,823 0 0
STATE STREET CORPORATION Equities 857477103 70 804 SH   DFND   804 0 0
STATE STREET CORPORATION Equities 857477103 137 1,570 SH   SOLE   1,570 0 0
SUN LIFE FINANCIAL INC Equities 866796105 391 7,003 SH   SOLE   7,003 0 0
SUNOCO LTD PARTNERSHIP Equities 86765K109 421 10,300 SH   SOLE   10,300 0 0
TARGET CORP Equities 87612E106 42 200 SH   DFND   200 0 0
TARGET CORP Equities 87612E106 942 4,437 SH   SOLE   4,437 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102 598 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 575 2,683 SH   SOLE   2,683 0 0
VANGUARD DIVIDEND APPREC IDX ET Equities 921908844 217 1,338 SH   SOLE   1,338 0 0
VANGUARD FTSE ALL-WORLD EX-US Equities 922042775 362 6,282 SH   SOLE   6,282 0 0
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858 745 15,503 SH   SOLE   15,503 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 36 791 SH   DFND   791 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 921 19,973 SH   SOLE   19,973 0 0
VANGUARD GROWTH ETF (MKT) Equities 922908736 2,557 8,891 SH   SOLE   8,891 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 567 5,053 SH   DFND   5,053 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 1,235 11,000 SH   SOLE   11,000 0 0
VANGUARD LARGE CAP ETF Equities 922908637 1,304 6,256 SH   SOLE   6,256 0 0
VANGUARD MEGA CAP GROWTH ETF Equities 921910816 226 960 SH   SOLE   960 0 0
VANGUARD REIT ETF (MKT) Equities 922908553 363 3,353 SH   SOLE   3,353 0 0
VANGUARD S&P 500 INDEX ETF Equities 922908363 785 1,890 SH   SOLE   1,890 0 0
VANGUARD SHORT-TERM BOND ETF Fixed Income 921937827 895 11,488 SH   SOLE   11,488 0 0
VANGUARD SHORT-TERM CORP BD IDX Fixed Income 92206C409 719 9,211 SH   SOLE   9,211 0 0
VANGUARD TOTAL INTL BD IDX ETF Fixed Income 92203J407 248 4,729 SH   SOLE   4,729 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769 403 1,770 SH   SOLE   1,770 0 0
VANGUARD VALUE ETF Equities 922908744 3,331 22,540 SH   SOLE   22,540 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 97 1,906 SH   DFND   1,906 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 676 13,277 SH   SOLE   13,277 0 0
VF CORPORATION Equities 918204108 88 1,544 SH   DFND   1,544 0 0
VF CORPORATION Equities 918204108 525 9,228 SH   SOLE   9,228 0 0
VISA INC CL A Equities 92826C839 516 2,325 SH   SOLE   2,325 0 0
WALMART INC Equities 931142103 83 557 SH   DFND   557 0 0
WALMART INC Equities 931142103 170 1,139 SH   SOLE   1,139 0 0
WELLS FARGO & COMPANY Equities 949746101 179 3,700 SH   DFND   3,700 0 0
WELLS FARGO & COMPANY Equities 949746101 846 17,454 SH   SOLE   17,454 0 0