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 168 1,519 SH   DFND   1,519 0 0
3M CO Equities 88579Y101 111 1,008 SH   SOLE   1,008 0 0
ABBOTT LABORATORIES Equities 002824100 87 900 SH   DFND   900 0 0
ABBOTT LABORATORIES Equities 002824100 3,775 39,011 SH   SOLE   39,011 0 0
ABBVIE INC COM Equities 00287Y109 121 900 SH   DFND   900 0 0
ABBVIE INC COM Equities 00287Y109 5,659 42,163 SH   SOLE   42,163 0 0
ALLIANCE BERNSTEIN HOLDING LP U Equities 01881G106 245 7,000 SH   SOLE   7,000 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 29 300 SH   DFND   300 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 501 5,240 SH   SOLE   5,240 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 52 540 SH   DFND   540 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 810 8,420 SH   SOLE   8,420 0 0
AMAZON.COM INC Equities 023135106 23 200 SH   DFND   200 0 0
AMAZON.COM INC Equities 023135106 353 3,120 SH   SOLE   3,120 0 0
AMGEN INC Equities 031162100 83 370 SH   DFND   370 0 0
AMGEN INC Equities 031162100 206 913 SH   SOLE   913 0 0
APPLE INC Equities 037833100 262 1,893 SH   DFND   1,893 0 0
APPLE INC Equities 037833100 6,499 47,028 SH   SOLE   47,028 0 0
AT&T INC Equities 00206R102 29 1,915 SH   DFND   1,915 0 0
AT&T INC Equities 00206R102 201 13,117 SH   SOLE   13,117 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 354 1,567 SH   DFND   1,567 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 1,631 7,210 SH   SOLE   7,210 0 0
BECTON DICKINSON & CO Equities 075887109 145 650 SH   DFND   650 0 0
BECTON DICKINSON & CO Equities 075887109 533 2,390 SH   SOLE   2,390 0 0
BERKSHIRE HATHAWAY INC B Equities 084670702 246 923 SH   SOLE   923 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 39 555 SH   DFND   555 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 567 7,976 SH   SOLE   7,976 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 36 300 SH   DFND   300 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 293 2,452 SH   SOLE   2,452 0 0
CHENIERE ENERGY PARTNERS LP UNI Equities 16411Q101 213 4,000 SH   SOLE   4,000 0 0
CHEVRON CORP Equities 166764100 55 386 SH   DFND   386 0 0
CHEVRON CORP Equities 166764100 926 6,446 SH   SOLE   6,446 0 0
CHUBB LIMITED Equities H1467J104 75 410 SH   DFND   410 0 0
CHUBB LIMITED Equities H1467J104 1,013 5,572 SH   SOLE   5,572 0 0
CISCO SYSTEMS INC Equities 17275R102 128 3,200 SH   DFND   3,200 0 0
CISCO SYSTEMS INC Equities 17275R102 348 8,691 SH   SOLE   8,691 0 0
COCA COLA CO Equities 191216100 50 900 SH   DFND   900 0 0
COCA COLA CO Equities 191216100 983 17,545 SH   SOLE   17,545 0 0
COSTCO WHOLESALE CORP Equities 22160K105 157 332 SH   DFND   332 0 0
COSTCO WHOLESALE CORP Equities 22160K105 1,968 4,168 SH   SOLE   4,168 0 0
CSX CORP Equities 126408103 574 21,560 SH   SOLE   21,560 0 0
CVS HEALTH CORPORATION Equities 126650100 340 3,566 SH   SOLE   3,566 0 0
DEERE & COMPANY Equities 244199105 443 1,327 SH   SOLE   1,327 0 0
DELEK LOGISTICS PARTNERS LP Equities 24664T103 311 6,100 SH   SOLE   6,100 0 0
DISNEY WALT CO Equities 254687106 1,398 14,817 SH   SOLE   14,817 0 0
EXPEDITORS INTERNATIONAL Equities 302130109 319 3,615 SH   SOLE   3,615 0 0
EXXON MOBIL CORP Equities 30231G102 217 2,480 SH   DFND   2,480 0 0
EXXON MOBIL CORP Equities 30231G102 2,454 28,104 SH   SOLE   28,104 0 0
FEDEX CORP Equities 31428X106 19 125 SH   DFND   125 0 0
FEDEX CORP Equities 31428X106 202 1,360 SH   SOLE   1,360 0 0
GENERAL MILLS INC Equities 370334104 130 1,700 SH   DFND   1,700 0 0
GENERAL MILLS INC Equities 370334104 83 1,081 SH   SOLE   1,081 0 0
HARLEY DAVIDSON INC Equities 412822108 488 14,000 SH   SOLE   14,000 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106 756 4,529 SH   SOLE   4,529 0 0
INTEL CORP Equities 458140100 50 1,926 SH   DFND   1,926 0 0
INTEL CORP Equities 458140100 366 14,218 SH   SOLE   14,218 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 103 863 SH   DFND   863 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 489 4,118 SH   SOLE   4,118 0 0
INVESCO FTSE RAFI US 1000 ETF Equities 46137V613 284 2,047 SH   SOLE   2,047 0 0
INVESCO SENIOR LOAN ETF Fixed Income 46138G508 586 29,012 SH   SOLE   29,012 0 0
ISHARES CORE MSCI EMERGING MKTS Equities 46434G103 243 5,644 SH   SOLE   5,644 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834 8 148 SH   DFND   148 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834 2,109 41,409 SH   SOLE   41,409 0 0
ISHARES CORE S&P 500 (MKT) ETF Equities 464287200 2,143 5,976 SH   SOLE   5,976 0 0
ISHARES CORE S&P MID CAP ETF Equities 464287507 469 2,137 SH   SOLE   2,137 0 0
ISHARES CORE US AGGREGATE BOND Fixed Income 464287226 1,767 18,336 SH   SOLE   18,336 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 61 1,095 SH   DFND   1,095 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 819 14,616 SH   SOLE   14,616 0 0
ISHARES MSCI EMG MKT ETF Equities 464287234 493 14,120 SH   SOLE   14,120 0 0
ISHARES MSCI USA QUALITY FACTOR Equities 46432F339 225 2,164 SH   SOLE   2,164 0 0
ISHARES RUSSELL 2000 (MKT) Equities 464287655 2,160 13,099 SH   SOLE   13,099 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 54 259 SH   DFND   259 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 598 2,896 SH   SOLE   2,896 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 47 365 SH   DFND   365 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 326 2,524 SH   SOLE   2,524 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 114 1,832 SH   DFND   1,832 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 2,150 34,588 SH   SOLE   34,588 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705 605 6,723 SH   SOLE   6,723 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606 438 6,948 SH   SOLE   6,948 0 0
JOHNSON AND JOHNSON Equities 478160104 212 1,297 SH   DFND   1,297 0 0
JOHNSON AND JOHNSON Equities 478160104 2,742 16,783 SH   SOLE   16,783 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 125 1,198 SH   DFND   1,198 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 1,396 13,360 SH   SOLE   13,360 0 0
KIMBERLY-CLARK CORP Equities 494368103 75 664 SH   DFND   664 0 0
KIMBERLY-CLARK CORP Equities 494368103 134 1,188 SH   SOLE   1,188 0 0
KNOT OFFSHORE PARTNERS LP Equities Y48125101 193 13,800 SH   SOLE   13,800 0 0
LINDE PLC Equities G5494J103 155 575 SH   DFND   575 0 0
LINDE PLC Equities G5494J103 469 1,739 SH   SOLE   1,739 0 0
LOWES COMPANIES INC Equities 548661107 22 118 SH   DFND   118 0 0
LOWES COMPANIES INC Equities 548661107 291 1,552 SH   SOLE   1,552 0 0
MCDONALDS CORP Equities 580135101 173 750 SH   DFND   750 0 0
MCDONALDS CORP Equities 580135101 720 3,119 SH   SOLE   3,119 0 0
MERCK & CO INC Equities 58933Y105 9 100 SH   DFND   100 0 0
MERCK & CO INC Equities 58933Y105 306 3,549 SH   SOLE   3,549 0 0
MICROSOFT CORP Equities 594918104 820 3,519 SH   DFND   3,519 0 0
MICROSOFT CORP Equities 594918104 6,564 28,185 SH   SOLE   28,185 0 0
MONDELEZ INTL INC CL A Equities 609207105 235 4,281 SH   SOLE   4,281 0 0
NEXTERA ENERGY INC Equities 65339F101 147 1,875 SH   DFND   1,875 0 0
NEXTERA ENERGY INC Equities 65339F101 1,168 14,897 SH   SOLE   14,897 0 0
NIKE INC CL B Equities 654106103 1,537 18,496 SH   SOLE   18,496 0 0
NORFOLK SOUTHERN CORP Equities 655844108 231 1,100 SH   SOLE   1,100 0 0
NOVARTIS AG ADR Equities 66987V109 48 632 SH   DFND   632 0 0
NOVARTIS AG ADR Equities 66987V109 350 4,604 SH   SOLE   4,604 0 0
NUVEEN CALIFORNIA QUALITY MUNI Fixed Income 67066Y105 1,895 172,764 SH   SOLE   172,764 0 0
ORACLE CORP Equities 68389X105 61 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105 231 3,790 SH   SOLE   3,790 0 0
PEPSICO INC Equities 713448108 203 1,246 SH   DFND   1,246 0 0
PEPSICO INC Equities 713448108 894 5,476 SH   SOLE   5,476 0 0
PFIZER INC Equities 717081103 77 1,767 SH   DFND   1,767 0 0
PFIZER INC Equities 717081103 416 9,497 SH   SOLE   9,497 0 0
PHILIP MORRIS INTL INC Equities 718172109 13 159 SH   DFND   159 0 0
PHILIP MORRIS INTL INC Equities 718172109 265 3,195 SH   SOLE   3,195 0 0
PHILLIPS 66 Equities 718546104 37 460 SH   DFND   460 0 0
PHILLIPS 66 Equities 718546104 169 2,091 SH   SOLE   2,091 0 0
PIMCO CALIFORNIA MUNI INCOME FU Fixed Income 72200N106 519 37,440 SH   SOLE   37,440 0 0
PROCTER & GAMBLE CO Equities 742718109 156 1,235 SH   DFND   1,235 0 0
PROCTER & GAMBLE CO Equities 742718109 2,356 18,660 SH   SOLE   18,660 0 0
QUALCOMM INC Equities 747525103 23 200 SH   DFND   200 0 0
QUALCOMM INC Equities 747525103 494 4,371 SH   SOLE   4,371 0 0
RAYTHEON TECHS CORP Equities 75513E101 117 1,425 SH   DFND   1,425 0 0
RAYTHEON TECHS CORP Equities 75513E101 698 8,531 SH   SOLE   8,531 0 0
S&P GLOBAL INC Equities 78409V104 103 337 SH   DFND   337 0 0
S&P GLOBAL INC Equities 78409V104 380 1,246 SH   SOLE   1,246 0 0
SARATOGA INVESTMENT CORP NEW Equities 80349A208 228 11,000 SH   SOLE   11,000 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 301 4,527 SH   DFND   4,527 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 861 12,955 SH   SOLE   12,955 0 0
SCHWAB U S LARGE CAP ETF Equities 808524201 1,209 28,536 SH   SOLE   28,536 0 0
SCHWAB US SMALL CAP ETF Equities 808524607 523 13,844 SH   SOLE   13,844 0 0
SPDR S&P MIDCAP 400 (MKT) Equities 78467Y107 1,809 4,505 SH   SOLE   4,505 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 114 1,348 SH   DFND   1,348 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 897 10,651 SH   SOLE   10,651 0 0
STARBUCKS CORP Equities 855244109 21 248 SH   DFND   248 0 0
STARBUCKS CORP Equities 855244109 366 4,345 SH   SOLE   4,345 0 0
SUN LIFE FINANCIAL INC Equities 866796105 278 7,003 SH   SOLE   7,003 0 0
SUNOCO LTD PARTNERSHIP Equities 86765K109 351 9,000 SH   SOLE   9,000 0 0
TARGET CORP Equities 87612E106 30 200 SH   DFND   200 0 0
TARGET CORP Equities 87612E106 578 3,896 SH   SOLE   3,896 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102 514 1,013 SH   SOLE   1,013 0 0
UNITED PARCEL SERVICE CL B Equities 911312106 28 171 SH   DFND   171 0 0
UNITED PARCEL SERVICE CL B Equities 911312106 429 2,657 SH   SOLE   2,657 0 0
US BANCORP Equities 902973304 644 15,981 SH   SOLE   15,981 0 0
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858 607 16,691 SH   SOLE   16,691 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 29 791 SH   DFND   791 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 648 17,751 SH   SOLE   17,751 0 0
VANGUARD GROWTH ETF (MKT) Equities 922908736 2,051 9,587 SH   SOLE   9,587 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 480 5,063 SH   DFND   5,063 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 1,375 14,492 SH   SOLE   14,492 0 0
VANGUARD LARGE CAP ETF Equities 922908637 1,023 6,256 SH   SOLE   6,256 0 0
VANGUARD REIT ETF (MKT) Equities 922908553 267 3,328 SH   SOLE   3,328 0 0
VANGUARD S&P 500 INDEX ETF Equities 922908363 762 2,320 SH   SOLE   2,320 0 0
VANGUARD SHORT-TERM BOND ETF Fixed Income 921937827 943 12,605 SH   SOLE   12,605 0 0
VANGUARD SHORT-TERM CORP BD IDX Fixed Income 92206C409 751 10,117 SH   SOLE   10,117 0 0
VANGUARD TOTAL INTL BD IDX ETF Fixed Income 92203J407 226 4,729 SH   SOLE   4,729 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769 318 1,770 SH   SOLE   1,770 0 0
VANGUARD VALUE ETF Equities 922908744 2,806 22,727 SH   SOLE   22,727 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 66 1,731 SH   DFND   1,731 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 453 11,939 SH   SOLE   11,939 0 0
VF CORPORATION Equities 918204108 50 1,673 SH   DFND   1,673 0 0
VF CORPORATION Equities 918204108 216 7,231 SH   SOLE   7,231 0 0
VISA INC CL A Equities 92826C839 393 2,210 SH   SOLE   2,210 0 0
WELLS FARGO & COMPANY Equities 949746101 149 3,700 SH   DFND   3,700 0 0
WELLS FARGO & COMPANY Equities 949746101 655 16,294 SH   SOLE   16,294 0 0