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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO Equities 88579Y101   162,971 1,359 SH   DFND   1,359 0 0
3M CO Equities 88579Y101   103,251 861 SH   SOLE   861 0 0
ABBOTT LABORATORIES Equities 002824100   98,811 900 SH   DFND   900 0 0
ABBOTT LABORATORIES Equities 002824100   4,283,018 39,011 SH   SOLE   39,011 0 0
ABBVIE INC COM Equities 00287Y109   145,449 900 SH   DFND   900 0 0
ABBVIE INC COM Equities 00287Y109   6,805,559 42,111 SH   SOLE   42,111 0 0
ALLIANCE BERNSTEIN HOLDING LP U Equities 01881G106   240,590 7,000 SH   SOLE   7,000 0 0
ALPHABET INC CAP STK CL A Equities 02079K305   26,469 300 SH   DFND   300 0 0
ALPHABET INC CAP STK CL A Equities 02079K305   462,325 5,240 SH   SOLE   5,240 0 0
ALPHABET INC CAP STK CL C Equities 02079K107   47,914 540 SH   DFND   540 0 0
ALPHABET INC CAP STK CL C Equities 02079K107   692,893 7,809 SH   SOLE   7,809 0 0
AMAZON.COM INC Equities 023135106   16,800 200 SH   DFND   200 0 0
AMAZON.COM INC Equities 023135106   225,120 2,680 SH   SOLE   2,680 0 0
AMERICAN EXPRESS CO Equities 025816109   29,550 200 SH   DFND   200 0 0
AMERICAN EXPRESS CO Equities 025816109   185,870 1,258 SH   SOLE   1,258 0 0
AMGEN INC Equities 031162100   97,177 370 SH   DFND   370 0 0
AMGEN INC Equities 031162100   239,790 913 SH   SOLE   913 0 0
APPLE INC Equities 037833100   245,957 1,893 SH   DFND   1,893 0 0
APPLE INC Equities 037833100   6,003,156 46,203 SH   SOLE   46,203 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   363,067 1,520 SH   DFND   1,520 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   1,672,020 7,000 SH   SOLE   7,000 0 0
BECTON DICKINSON & CO Equities 075887109   165,295 650 SH   DFND   650 0 0
BECTON DICKINSON & CO Equities 075887109   604,471 2,377 SH   SOLE   2,377 0 0
BERKSHIRE HATHAWAY INC B Equities 084670702   281,099 910 SH   SOLE   910 0 0
BOEING CO Equities 097023105   202,681 1,064 SH   SOLE   1,064 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108   39,932 555 SH   DFND   555 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108   573,873 7,976 SH   SOLE   7,976 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102   33,564 300 SH   DFND   300 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102   274,330 2,452 SH   SOLE   2,452 0 0
CHENIERE ENERGY PARTNERS LP UNI Equities 16411Q101   227,480 4,000 SH   SOLE   4,000 0 0
CHEVRON CORP Equities 166764100   67,129 374 SH   DFND   374 0 0
CHEVRON CORP Equities 166764100   1,090,581 6,076 SH   SOLE   6,076 0 0
CHUBB LIMITED Equities H1467J104   87,137 395 SH   DFND   395 0 0
CHUBB LIMITED Equities H1467J104   1,174,474 5,324 SH   SOLE   5,324 0 0
CISCO SYSTEMS INC Equities 17275R102   152,448 3,200 SH   DFND   3,200 0 0
CISCO SYSTEMS INC Equities 17275R102   381,168 8,001 SH   SOLE   8,001 0 0
COCA COLA CO Equities 191216100   57,249 900 SH   DFND   900 0 0
COCA COLA CO Equities 191216100   1,116,037 17,545 SH   SOLE   17,545 0 0
COSTCO WHOLESALE CORP Equities 22160K105   152,928 335 SH   DFND   335 0 0
COSTCO WHOLESALE CORP Equities 22160K105   1,866,172 4,088 SH   SOLE   4,088 0 0
CSX CORP Equities 126408103   666,008 21,498 SH   SOLE   21,498 0 0
CVS HEALTH CORPORATION Equities 126650100   299,326 3,212 SH   SOLE   3,212 0 0
DEERE & COMPANY Equities 244199105   565,534 1,319 SH   SOLE   1,319 0 0
DELEK LOGISTICS PARTNERS LP Equities 24664T103   276,025 6,100 SH   SOLE   6,100 0 0
DISNEY WALT CO Equities 254687106   1,287,301 14,817 SH   SOLE   14,817 0 0
EXPEDITORS INTERNATIONAL Equities 302130109   375,671 3,615 SH   SOLE   3,615 0 0
EXXON MOBIL CORP Equities 30231G102   273,544 2,480 SH   DFND   2,480 0 0
EXXON MOBIL CORP Equities 30231G102   3,074,502 27,874 SH   SOLE   27,874 0 0
FEDEX CORP Equities 31428X106   21,650 125 SH   DFND   125 0 0
FEDEX CORP Equities 31428X106   235,552 1,360 SH   SOLE   1,360 0 0
GENERAL ELECTRIC CO Equities 369604301   14,747 176 SH   DFND   176 0 0
GENERAL ELECTRIC CO Equities 369604301   190,120 2,269 SH   SOLE   2,269 0 0
GENERAL MILLS INC Equities 370334104   142,545 1,700 SH   DFND   1,700 0 0
GENERAL MILLS INC Equities 370334104   90,642 1,081 SH   SOLE   1,081 0 0
HARLEY DAVIDSON INC Equities 412822108   582,400 14,000 SH   SOLE   14,000 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   946,992 4,419 SH   SOLE   4,419 0 0
INTEL CORP Equities 458140100   50,904 1,926 SH   DFND   1,926 0 0
INTEL CORP Equities 458140100   332,516 12,581 SH   SOLE   12,581 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   121,588 863 SH   DFND   863 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   445,353 3,161 SH   SOLE   3,161 0 0
INVESCO FTSE RAFI US 1000 ETF Equities 46137V613   292,714 1,887 SH   SOLE   1,887 0 0
INVESCO SENIOR LOAN ETF Fixed Income 46138G508   246,855 12,025 SH   SOLE   12,025 0 0
ISHARES CORE MSCI EMERGING MKTS Equities 46434G103   289,727 6,204 SH   SOLE   6,204 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834   93,304 1,612 SH   DFND   1,612 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834   2,309,862 39,907 SH   SOLE   39,907 0 0
ISHARES CORE S&P 500 (MKT) ETF Equities 464287200   2,295,905 5,976 SH   SOLE   5,976 0 0
ISHARES CORE S&P MID CAP ETF Equities 464287507   501,631 2,074 SH   SOLE   2,074 0 0
ISHARES CORE US AGGREGATE BOND Fixed Income 464287226   2,070,884 21,352 SH   SOLE   21,352 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465   71,876 1,095 SH   DFND   1,095 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465   998,253 15,208 SH   SOLE   15,208 0 0
ISHARES MSCI EMG MKT ETF Equities 464287234   532,419 14,048 SH   SOLE   14,048 0 0
ISHARES MSCI USA QUALITY FACTOR Equities 46432F339   237,384 2,082 SH   SOLE   2,082 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614   69,280 323 SH   DFND   323 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614   147,377 688 SH   SOLE   688 0 0
ISHARES RUSSELL 2000 (MKT) Equities 464287655   2,322,301 13,319 SH   SOLE   13,319 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648   79,069 369 SH   DFND   369 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648   621,135 2,894 SH   SOLE   2,894 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630   74,096 534 SH   DFND   534 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630   347,466 2,505 SH   SOLE   2,505 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499   123,568 1,832 SH   DFND   1,832 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499   2,332,961 34,588 SH   SOLE   34,588 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705   23,736 235 SH   DFND   235 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705   642,326 6,372 SH   SOLE   6,372 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606   23,484 344 SH   DFND   344 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606   402,038 5,886 SH   SOLE   5,886 0 0
JOHNSON AND JOHNSON Equities 478160104   227,525 1,288 SH   DFND   1,288 0 0
JOHNSON AND JOHNSON Equities 478160104   2,884,695 16,330 SH   SOLE   16,330 0 0
JPMORGAN CHASE & CO COM Equities 46625H100   156,629 1,168 SH   DFND   1,168 0 0
JPMORGAN CHASE & CO COM Equities 46625H100   1,784,603 13,308 SH   SOLE   13,308 0 0
KIMBERLY-CLARK CORP Equities 494368103   90,138 664 SH   DFND   664 0 0
KIMBERLY-CLARK CORP Equities 494368103   156,927 1,156 SH   SOLE   1,156 0 0
KNOT OFFSHORE PARTNERS LP Equities Y48125101   132,894 13,800 SH   SOLE   13,800 0 0
LINDE PLC Equities G5494J103   187,554 575 SH   DFND   575 0 0
LINDE PLC Equities G5494J103   537,218 1,647 SH   SOLE   1,647 0 0
LOWES COMPANIES INC Equities 548661107   21,916 110 SH   DFND   110 0 0
LOWES COMPANIES INC Equities 548661107   282,522 1,418 SH   SOLE   1,418 0 0
MCDONALDS CORP Equities 580135101   197,648 750 SH   DFND   750 0 0
MCDONALDS CORP Equities 580135101   807,983 3,066 SH   SOLE   3,066 0 0
MERCK & CO INC Equities 58933Y105   11,095 100 SH   DFND   100 0 0
MERCK & CO INC Equities 58933Y105   393,762 3,549 SH   SOLE   3,549 0 0
MICROSOFT CORP Equities 594918104   843,927 3,519 SH   DFND   3,519 0 0
MICROSOFT CORP Equities 594918104   6,672,272 27,822 SH   SOLE   27,822 0 0
MONDELEZ INTL INC CL A Equities 609207105   285,329 4,281 SH   SOLE   4,281 0 0
NEXTERA ENERGY INC Equities 65339F101   156,750 1,875 SH   DFND   1,875 0 0
NEXTERA ENERGY INC Equities 65339F101   1,199,326 14,346 SH   SOLE   14,346 0 0
NIKE INC CL B Equities 654106103   2,164,217 18,496 SH   SOLE   18,496 0 0
NORFOLK SOUTHERN CORP Equities 655844108   246,420 1,000 SH   SOLE   1,000 0 0
NOVARTIS AG ADR Equities 66987V109   104,147 1,148 SH   DFND   1,148 0 0
NOVARTIS AG ADR Equities 66987V109   378,212 4,169 SH   SOLE   4,169 0 0
NUVEEN CALIFORNIA QUALITY MUNI Fixed Income 67066Y105   1,740,912 157,264 SH   SOLE   157,264 0 0
ORACLE CORP Equities 68389X105   81,740 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   297,534 3,640 SH   SOLE   3,640 0 0
PEPSICO INC Equities 713448108   225,102 1,246 SH   DFND   1,246 0 0
PEPSICO INC Equities 713448108   956,053 5,292 SH   SOLE   5,292 0 0
PFIZER INC Equities 717081103   90,541 1,767 SH   DFND   1,767 0 0
PFIZER INC Equities 717081103   449,682 8,776 SH   SOLE   8,776 0 0
PHILIP MORRIS INTL INC Equities 718172109   9,716 96 SH   DFND   96 0 0
PHILIP MORRIS INTL INC Equities 718172109   285,311 2,819 SH   SOLE   2,819 0 0
PHILLIPS 66 Equities 718546104   47,877 460 SH   DFND   460 0 0
PHILLIPS 66 Equities 718546104   217,631 2,091 SH   SOLE   2,091 0 0
PIMCO CALIFORNIA MUNI INCOME FU Fixed Income 72200N106   564,221 37,440 SH   SOLE   37,440 0 0
PROCTER & GAMBLE CO Equities 742718109   187,177 1,235 SH   DFND   1,235 0 0
PROCTER & GAMBLE CO Equities 742718109   2,828,110 18,660 SH   SOLE   18,660 0 0
QUALCOMM INC Equities 747525103   21,988 200 SH   DFND   200 0 0
QUALCOMM INC Equities 747525103   480,548 4,371 SH   SOLE   4,371 0 0
RAYTHEON TECHS CORP Equities 75513E101   140,279 1,390 SH   DFND   1,390 0 0
RAYTHEON TECHS CORP Equities 75513E101   814,021 8,066 SH   SOLE   8,066 0 0
S&P GLOBAL INC Equities 78409V104   112,875 337 SH   DFND   337 0 0
S&P GLOBAL INC Equities 78409V104   383,841 1,146 SH   SOLE   1,146 0 0
SARATOGA INVESTMENT CORP NEW Equities 80349A208   280,390 11,000 SH   SOLE   11,000 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797   329,732 4,365 SH   DFND   4,365 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797   927,127 12,274 SH   SOLE   12,274 0 0
SCHWAB U S LARGE CAP ETF Equities 808524201   1,288,400 28,536 SH   SOLE   28,536 0 0
SCHWAB US SMALL CAP ETF Equities 808524607   560,820 13,844 SH   SOLE   13,844 0 0
SPDR PORT INTERMEDIATE TERM COR Fixed Income 78464A375   667,758 20,979 SH   SOLE   20,979 0 0
SPDR S&P 500 (MKT) Equities 78462F103   152,972 400 SH   DFND   400 0 0
SPDR S&P 500 (MKT) Equities 78462F103   56,982 149 SH   SOLE   149 0 0
SPDR S&P MIDCAP 400 (MKT) Equities 78467Y107   1,990,341 4,495 SH   SOLE   4,495 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607   117,478 1,348 SH   DFND   1,348 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607   928,235 10,651 SH   SOLE   10,651 0 0
STARBUCKS CORP Equities 855244109   22,618 228 SH   DFND   228 0 0
STARBUCKS CORP Equities 855244109   379,142 3,822 SH   SOLE   3,822 0 0
SUN LIFE FINANCIAL INC Equities 866796105   325,079 7,003 SH   SOLE   7,003 0 0
SUNOCO LTD PARTNERSHIP Equities 86765K109   387,900 9,000 SH   SOLE   9,000 0 0
TARGET CORP Equities 87612E106   29,808 200 SH   DFND   200 0 0
TARGET CORP Equities 87612E106   579,617 3,889 SH   SOLE   3,889 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   557,849 1,013 SH   SOLE   1,013 0 0
UNITED PARCEL SERVICE CL B Equities 911312106   29,727 171 SH   DFND   171 0 0
UNITED PARCEL SERVICE CL B Equities 911312106   427,994 2,462 SH   SOLE   2,462 0 0
US BANCORP Equities 902973304   670,765 15,381 SH   SOLE   15,381 0 0
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858   828,592 19,745 SH   SOLE   19,745 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858   30,833 791 SH   DFND   791 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858   699,765 17,950 SH   SOLE   17,950 0 0
VANGUARD GROWTH ETF (MKT) Equities 922908736   2,140,039 10,040 SH   SOLE   10,040 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406   528,535 4,885 SH   DFND   4,885 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406   1,486,113 13,734 SH   SOLE   13,734 0 0
VANGUARD LARGE CAP ETF Equities 922908637   1,089,795 6,256 SH   SOLE   6,256 0 0
VANGUARD REIT ETF (MKT) Equities 922908553   268,555 3,256 SH   SOLE   3,256 0 0
VANGUARD S&P 500 INDEX ETF Equities 922908363   207,978 592 SH   SOLE   592 0 0
VANGUARD SHORT-TERM BOND ETF Fixed Income 921937827   890,723 11,830 SH   SOLE   11,830 0 0
VANGUARD SHORT-TERM CORP BD IDX Fixed Income 92206C409   251,498 3,345 SH   SOLE   3,345 0 0
VANGUARD TOTAL INTL BD IDX ETF Fixed Income 92203J407   224,255 4,729 SH   SOLE   4,729 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   1,467,192 7,674 SH   SOLE   7,674 0 0
VANGUARD VALUE ETF Equities 922908744   77,902 555 SH   DFND   555 0 0
VANGUARD VALUE ETF Equities 922908744   2,565,338 18,278 SH   SOLE   18,278 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104   60,321 1,531 SH   DFND   1,531 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104   436,907 11,089 SH   SOLE   11,089 0 0
VF CORPORATION Equities 918204108   53,701 1,945 SH   DFND   1,945 0 0
VF CORPORATION Equities 918204108   243,852 8,832 SH   SOLE   8,832 0 0
VISA INC CL A Equities 92826C839   459,150 2,210 SH   SOLE   2,210 0 0
WELLS FARGO & COMPANY Equities 949746101   152,773 3,700 SH   DFND   3,700 0 0
WELLS FARGO & COMPANY Equities 949746101   577,647 13,990 SH   SOLE   13,990 0 0