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
ACTIVISION BLIZZARD INC COM 00507V109 1,029 17,300 SH   DFND   17,300 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 1,200 16,760 SH   DFND   16,760 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106 4,502 22,552 SH   DFND   22,552 0 0
AMERCO COM 023586100 1,169 4,023 SH   DFND   4,023 0 0
AMGEN INC COM 031162100 1,194 5,890 SH   DFND   5,890 0 0
APPLE INC COM 037833100 14,476 56,926 SH   DFND   56,926 0 0
BAXTER INTL INC COM 071813109 6,205 76,426 SH   DFND   76,426 0 0
BECTON DICKINSON COM 075887109 6,810 29,640 SH   DFND   29,640 0 0
BLACKROCK INC COM 09247X101 9,462 21,506 SH   DFND   21,506 0 0
CVS HEALTH CORPORATION COM 126650100 11,944 201,322 SH   DFND   201,322 0 0
CISCO SYS INC COM 17275R102 210 5,346 SH   DFND   5,346 0 0
CITIZENS FINANCIAL COM 174610105 367 19,500 SH   DFND   19,500 0 0
COCA-COLA CO COM 191216100 4,472 101,052 SH   DFND   101,052 0 0
COMCAST CORP NEW COM CL A CL A 20030N101 12,316 358,221 SH   DFND   358,221 0 0
CORTEVA INC COM 22052L104 583 24,811 SH   DFND   24,811 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 526 4,140 SH   DFND   4,140 0 0
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 6,597 68,290 SH   DFND   68,290 0 0
DOLLAR GENERAL CORP COM 256677105 4,224 27,969 SH   DFND   27,969 0 0
DOW INC COM 260557103 595 20,362 SH   DFND   20,362 0 0
DUPONT DE NEMOURS INC COM 26614N102 5,421 158,982 SH   DFND   158,982 0 0
EMERSON ELECTRIC CO COM 291011104 2,623 55,040 SH   DFND   55,040 0 0
FEDEX CORP COM 31428X106 4,620 38,100 SH   DFND   38,100 0 0
FOX CORP CL B COM 35137L204 331 14,464 SH   DFND   14,464 0 0
HONEYWELL INTERNATIONAL, INC. COM 438516106 5,230 39,093 SH   DFND   39,093 0 0
INTERACTIVE BROKERS GROUP COM 45841N107 613 14,195 SH   DFND   14,195 0 0
ISHARES CORE S&P 500 ETF CORE S&P500 ETF 464287200 336 1,300 SH   DFND   1,300 0 0
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 486 8,655 SH   DFND   8,655 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 940 8,515 SH   DFND   8,515 0 0
ISHARES INTERMEDIATE TERM CORP BOND ETF INTRM TR CRP ETF 464288638 326 5,937 SH   DFND   5,937 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 410 7,823 SH   DFND   7,823 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 744 14,910 SH   DFND   14,910 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 906 22,390 SH   DFND   22,390 0 0
J.P. MORGAN CHASE & CO COM 46625H100 9,267 102,928 SH   DFND   102,928 0 0
JOHNSON & JOHNSON COM 478160104 7,900 60,244 SH   DFND   60,244 0 0
KROGER CO COM 501044101 822 27,285 SH   DFND   27,285 0 0
LITHIA MOTORS INC CL A CL A 536797103 1,051 12,849 SH   DFND   12,849 0 0
LOWES COS INC COM 548661107 9,092 105,655 SH   DFND   105,655 0 0
MASTERCARD CLA 57636Q104 13,823 57,222 SH   DFND   57,222 0 0
MAXIMUS INC COM 577933104 550 9,445 SH   DFND   9,445 0 0
MICROSOFT CORP COM 594918104 12,029 76,274 SH   DFND   76,274 0 0
MOODYS CORP COM 615369105 912 4,310 SH   DFND   4,310 0 0
NEW CORP NEW CLASS A CL A 65249B109 363 40,441 SH   DFND   40,441 0 0
NORFOLK SOUTHERN CORP COM 655844108 336 2,300 SH   DFND   2,300 0 0
OCCIDENTAL PETE CORP COM 674599105 405 34,980 SH   DFND   34,980 0 0
ORACLE SYS CORP COM 68389X105 6,480 134,082 SH   DFND   134,082 0 0
PEPSICO INC COM 713448108 11,104 92,459 SH   DFND   92,459 0 0
RAYTHEON CO COM NEW 755111507 1,637 12,479 SH   DFND   12,479 0 0
ROSS STORES INC COM 778296103 1,500 17,250 SH   DFND   17,250 0 0
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 683 20,921 SH   DFND   20,921 0 0
S&P GLOBAL INC COM 78409V104 4,209 17,177 SH   DFND   17,177 0 0
STANLEY BLACK AND DECKER COM 854502101 300 3,000 SH   DFND   3,000 0 0
STARBUCKS CORP COM 855244109 4,551 69,229 SH   DFND   69,229 0 0
SYNCHRONY FINAN COM 87165B103 314 19,510 SH   DFND   19,510 0 0
TJX COS INC NEW COM 872540109 10,149 212,270 SH   DFND   212,270 0 0
TRUIST FINANCIAL CORP COM 89832Q109 3,968 128,653 SH   DFND   128,653 0 0
UNION PACIFIC CORP COM 907818108 760 5,392 SH   DFND   5,392 0 0
UNITED TECHNOLOGIES CORP COM 913017109 5,108 54,155 SH   DFND   54,155 0 0
UNITEDHEALTH GROUP INC COM 91324P102 11,300 45,313 SH   DFND   45,313 0 0
VANGUARD FTSE PACIFIC ETF FTSE PACIFIC ETF 922042866 287 5,200 SH   DFND   5,200 0 0
VISA IN - CLASS A COM CL A 92826C839 741 4,600 SH   DFND   4,600 0 0
ACCENTURE LTD SHS CLASS A G1151C101 11,368 69,632 SH   DFND   69,632 0 0
MEDTRONIC PLC SHS G5960L103 4,886 54,179 SH   DFND   54,179 0 0
LOGITECH INTL S A SHS H50430232 716 16,685 SH   DFND   16,685 0 0