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
AT&T INC Com 00206R102 594 20,819 SH   SOLE 0 20,819 0 0
AT&T INC Com 00206R102 72 2,509 SH   DFND 0 2,509 0 0
ABBVIE INC Com 00287Y109 3,881 44,308 SH   SOLE 0 44,308 0 0
ABBVIE INC Com 00287Y109 452 5,164 SH   DFND 0 5,164 0 0
ADOBE SYSTEMS INC Com 00724F101 1,135 2,314 SH   SOLE 0 2,314 0 0
ALEXION PHARMACEUTICALS INC COM Com 015351109 104 908 SH   SOLE 0 908 0 0
ALEXION PHARMACEUTICALS INC COM Com 015351109 208 1,818 SH   DFND 0 1,818 0 0
ALIBABA GROUP HOLDINGS-SP ADR Com 01609W102 640 2,177 SH   SOLE 0 2,177 0 0
ALPHABET INC-CL C Com 02079K107 1,330 905 SH   SOLE 0 905 0 0
ALPHABET INC-CL A Com 02079K305 2,716 1,853 SH   SOLE 0 1,853 0 0
ALPHABET INC-CL A Com 02079K305 117 80 SH   DFND 0 80 0 0
ALTRIA GROUP INC Com 02209S103 313 8,090 SH   SOLE 0 8,090 0 0
ALTRIA GROUP INC Com 02209S103 75 1,935 SH   DFND 0 1,935 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 588 3,818 SH   SOLE 0 3,818 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 108 700 SH   DFND 0 700 0 0
AVALARA INC Com 05338G106 213 1,672 SH   SOLE 0 1,672 0 0
Bank of America Pfd Stk 060505EH3 53 50,000 SH   SOLE 0 50,000 0 0
Bank of America Pfd Stk 060505EH3 214 200,000 SH   DFND 0 200,000 0 0
Bank Amer Corp Pfd Stk 060505EU4 113 100,000 SH   DFND 0 100,000 0 0
BIOGEN INC Com 09062X103 286 1,009 SH   SOLE 0 1,009 0 0
BLACKROCK INC Com 09247X101 660 1,171 SH   SOLE 0 1,171 0 0
BLACKROCK INC Com 09247X101 16 29 SH   DFND 0 29 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 797 13,215 SH   SOLE 0 13,215 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 546 9,055 SH   DFND 0 9,055 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 352 11,464 SH   SOLE 0 11,464 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 98 3,190 SH   DFND 0 3,190 0 0
CVS HEALTH CORP Com 126650100 905 15,497 SH   SOLE 0 15,497 0 0
CVS HEALTH CORP Com 126650100 44 750 SH   DFND 0 750 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 537 7,472 SH   SOLE 0 7,472 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 72 1,000 SH   DFND 0 1,000 0 0
Carlisle Cos Inc Com 142339100 703 5,745 SH   SOLE 0 5,745 0 0
CARRIER GLOBAL CORPORATION Com 14448C104 205 6,699 SH   SOLE 0 6,699 0 0
CARRIER GLOBAL CORPORATION Com 14448C104 27 870 SH   DFND 0 870 0 0
CATERPILLAR INC Com 149123101 446 2,988 SH   SOLE 0 2,988 0 0
CATERPILLAR INC Com 149123101 78 520 SH   DFND 0 520 0 0
CHEVRON CORP Com 166764100 2,316 32,169 SH   SOLE 0 31,819 0 350
CHEVRON CORP Com 166764100 122 1,694 SH   DFND 0 1,694 0 0
CINEMARK HOLDINGS INC Com 17243V102 160 16,000 SH   SOLE 0 16,000 0 0
CISCO SYSTEMS INC Com 17275R102 1,132 28,727 SH   SOLE 0 28,727 0 0
CISCO SYSTEMS INC Com 17275R102 197 5,000 SH   DFND 0 5,000 0 0
CINTAS CORP Com 172908105 214 642 SH   SOLE 0 642 0 0
CITIGROUP INC Com 172967424 310 7,181 SH   SOLE 0 7,181 0 0
CLOROX COMPANY Com 189054109 2,031 9,662 SH   SOLE 0 9,662 0 0
COCA-COLA CO/THE Com 191216100 5,988 121,297 SH   SOLE 0 120,597 0 700
COCA-COLA CO/THE Com 191216100 34 696 SH   DFND 0 696 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 14 200 SH   SOLE 0 200 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 278 4,000 SH   DFND 0 4,000 0 0
COMCAST CORP-CLASS A Com 20030N101 294 6,352 SH   SOLE 0 6,352 0 0
COMCAST CORP-CLASS A Com 20030N101 31 676 SH   DFND 0 676 0 0
CONOCOPHILLIPS Com 20825C104 455 13,852 SH   SOLE 0 13,852 0 0
CONOCOPHILLIPS Com 20825C104 79 2,416 SH   DFND 0 2,416 0 0
CORESITE REALTY CORP Com 21870Q105 290 2,440 SH   SOLE 0 2,440 0 0
COSTCO WHOLESALE CORP Com 22160K105 4,000 11,268 SH   SOLE 0 11,268 0 0
CUMMINS INC Com 231021106 598 2,831 SH   SOLE 0 2,831 0 0
CUMMINS INC Com 231021106 95 450 SH   DFND 0 450 0 0
DTE ENERGY COMPANY Com 233331107 397 3,450 SH   SOLE 0 3,450 0 0
DTE ENERGY COMPANY Com 233331107 104 900 SH   DFND 0 900 0 0
DANAHER CORP Com 235851102 1,282 5,954 SH   SOLE 0 5,954 0 0
DANAHER CORP Com 235851102 319 1,482 SH   DFND 0 1,482 0 0
WALT DISNEY CO/THE Com 254687106 1,871 15,080 SH   SOLE 0 15,080 0 0
WALT DISNEY CO/THE Com 254687106 135 1,085 SH   DFND 0 1,085 0 0
DOMINION RESOURCES INC/VA Com 25746U109 886 11,231 SH   SOLE 0 11,231 0 0
Duke Realty Corp Com 264411505 263 7,137 SH   SOLE 0 7,137 0 0
ECOLAB INC Com 278865100 2,931 14,667 SH   SOLE 0 14,667 0 0
EMERSON ELECTRIC CO Com 291011104 698 10,649 SH   SOLE 0 10,249 0 400
EMERSON ELECTRIC CO Com 291011104 159 2,430 SH   DFND 0 2,430 0 0
ENBRIDGE INC Com 29250N105 1,583 54,219 SH   SOLE 0 54,219 0 0
ENBRIDGE INC Com 29250N105 187 6,401 SH   DFND 0 6,401 0 0
ENTERPRISE PRODUCTS PARTNERS Com 293792107 276 17,488 SH   SOLE 0 17,488 0 0
EXXON MOBIL CORP Com 30231G102 1,269 36,956 SH   SOLE 0 36,956 0 0
EXXON MOBIL CORP Com 30231G102 402 11,710 SH   DFND 0 11,710 0 0
FACEBOOK INC-A Com 30303M102 735 2,805 SH   SOLE 0 2,805 0 0
FACEBOOK INC-A Com 30303M102 185 706 SH   DFND 0 706 0 0
FEDEX CORP Com 31428X106 838 3,330 SH   SOLE 0 3,330 0 0
FEDEX CORP Com 31428X106 458 1,820 SH   DFND 0 1,820 0 0
FISERV INC Com 337738108 1,002 9,722 SH   SOLE 0 9,722 0 0
FISERV INC Com 337738108 129 1,250 SH   DFND 0 1,250 0 0
FRANKLIN CALIF TAX FREE INCOME Com 352518104 1,204 156,526 SH   SOLE 0 156,526 0 0
GENERAL DYNAMICS CORP Com 369550108 206 1,491 SH   SOLE 0 1,491 0 0
GENERAL MILLS INC Com 370334104 420 6,812 SH   SOLE 0 6,812 0 0
GENERAL MILLS INC Com 370334104 69 1,120 SH   DFND 0 1,120 0 0
GILEAD SCIENCES INC Com 375558103 502 7,946 SH   SOLE 0 7,946 0 0
GILEAD SCIENCES INC Com 375558103 16 250 SH   DFND 0 250 0 0
GLOBAL X S&P 500 CATHOLIC VALUES ETF Com 37954Y889 241 5,800 SH   SOLE 0 5,800 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 465 2,313 SH   SOLE 0 2,313 0 0
GOLDMAN ACTIVEBETA US LC ETF Com 381430503 720 10,580 SH   SOLE 0 10,580 0 0
WW GRAINGER INC Com 384802104 628 1,759 SH   DFND 0 1,759 0 0
HP INC Com 40434L105 416 21,911 SH   SOLE 0 21,911 0 0
HP INC Com 40434L105 127 6,700 SH   DFND 0 6,700 0 0
HOME DEPOT INC Com 437076102 771 2,776 SH   SOLE 0 2,776 0 0
HOME DEPOT INC Com 437076102 496 1,785 SH   DFND 0 1,785 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 956 5,805 SH   SOLE 0 5,805 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 29 174 SH   DFND 0 174 0 0
ILLINOIS TOOL WORKS Com 452308109 830 4,294 SH   SOLE 0 4,294 0 0
INTEL CORP Com 458140100 2,175 42,002 SH   SOLE 0 42,002 0 0
INTEL CORP Com 458140100 536 10,346 SH   DFND 0 10,346 0 0
INTL BUSINESS MACHINES CORP Com 459200101 1,102 9,057 SH   SOLE 0 9,057 0 0
INTL BUSINESS MACHINES CORP Com 459200101 353 2,900 SH   DFND 0 2,900 0 0
INVESCO QQQ TRUST Com 46090E103 9,032 32,507 SH   SOLE 0 32,507 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 1,146 8,678 SH   SOLE 0 8,678 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 37 280 SH   DFND 0 280 0 0
ISHARES GOLD TRUST ISHARES Com 464285105 2,131 118,462 SH   SOLE 0 118,462 0 0
ISHARES GOLD TRUST ISHARES Com 464285105 72 4,000 SH   DFND 0 4,000 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150 2,442 32,351 SH   SOLE 0 32,351 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 474 5,807 SH   SOLE 0 5,807 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 18 220 SH   DFND 0 220 0 0
ISHARES CORE S&P 500 ETF Com 464287200 4,823 14,351 SH   SOLE 0 14,351 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 490 11,106 SH   SOLE 0 11,106 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 63 1,424 SH   DFND 0 1,424 0 0
ISHARES S&P GLOBAL TECHNOLOGY SECTOR Com 464287291 2,291 8,690 SH   SOLE 0 8,690 0 0
ISHARES S&P 500 GROWTH ETF Com 464287309 1,005 4,348 SH   SOLE 0 4,348 0 0
ISHARES S&P 500 VALUE ETF Com 464287408 463 4,116 SH   SOLE 0 4,116 0 0
ISHARES MSCI EAFE ETF Com 464287465 2,961 46,522 SH   SOLE 0 46,522 0 0
ISHARES MSCI EAFE ETF Com 464287465 55 862 SH   DFND 0 862 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473 286 3,543 SH   SOLE 0 3,543 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499 1,386 24,149 SH   SOLE 0 24,149 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 9,271 50,032 SH   SOLE 0 50,032 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 153 825 SH   DFND 0 825 0 0
ISHARES EXPANDED TECH- SOFTWARE SECTOR ETF Com 464287515 205 659 SH   SOLE 0 659 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 8,946 75,727 SH   SOLE 0 75,727 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 125 1,059 SH   DFND 0 1,059 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606 699 2,921 SH   SOLE 0 2,921 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 30,759 141,820 SH   SOLE 0 141,820 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 439 2,025 SH   DFND 0 2,025 0 0
ISHARES RUSSELL 1000 ETF Com 464287622 1,938 10,357 SH   SOLE 0 10,357 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 4,690 21,174 SH   SOLE 0 21,174 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 39 175 SH   DFND 0 175 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 3,940 26,303 SH   SOLE 0 26,303 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 9 59 SH   DFND 0 59 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705 451 3,346 SH   SOLE 0 3,346 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 2,519 8,366 SH   SOLE 0 8,366 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 73 244 SH   DFND 0 244 0 0
ISHARES TRUST DOW JONES US FINANCIAL Com 464287770 392 3,214 SH   SOLE 0 3,214 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 3,822 54,428 SH   SOLE 0 54,428 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 436 6,214 SH   DFND 0 6,214 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879 257 2,100 SH   SOLE 0 2,100 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887 565 3,200 SH   SOLE 0 3,200 0 0
ISHARES MSCI ACWI ETF Com 464288257 824 10,315 SH   SOLE 0 10,315 0 0
ISHARES MSCI EAFE SMALL CAP ETF Com 464288273 335 5,680 SH   SOLE 0 5,680 0 0
ISHARES MSCI EAFE SMALL CAP ETF Com 464288273 52 876 SH   DFND 0 876 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 1,485 13,394 SH   SOLE 0 13,394 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 35 315 SH   DFND 0 315 0 0
ISHARES S&P PREF STK ETF Com 464288687 4,871 133,647 SH   SOLE 0 133,647 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810 1,908 6,369 SH   SOLE 0 6,369 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885 722 8,032 SH   SOLE 0 8,032 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 18,519 662,561 SH   SOLE 0 662,561 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 314 11,222 SH   DFND 0 11,222 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 14,954 234,647 SH   SOLE 0 234,647 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 259 4,060 SH   DFND 0 4,060 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 8,223 164,107 SH   SOLE 0 164,107 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 33 650 SH   DFND 0 650 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339 7,220 69,594 SH   SOLE 0 69,594 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388 1,544 20,924 SH   SOLE 0 20,924 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 5,592 92,761 SH   SOLE 0 92,761 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 997 16,544 SH   DFND 0 16,544 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 1,198 22,686 SH   SOLE 0 22,686 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 593 11,240 SH   DFND 0 11,240 0 0
ISHARES MSCI EM ESG OPTIMIZED Com 46434G863 1,357 38,106 SH   SOLE 0 38,106 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407 580 13,193 SH   SOLE 0 13,193 0 0
ISHA CURR HEDGED MSCI EAFE Com 46434V803 431 15,663 SH   SOLE 0 15,663 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425 2,689 35,286 SH   SOLE 0 35,286 0 0
JPMORGAN CHASE & CO Com 46625H100 3,405 35,373 SH   SOLE 0 35,373 0 0
JPMORGAN CHASE & CO Com 46625H100 106 1,105 SH   DFND 0 1,105 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4 54 50,000 SH   SOLE 0 50,000 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4 217 200,000 SH   DFND 0 200,000 0 0
JPMorgan Chase & Co Pfd Stk 46625HKK5 69 70,000 SH   SOLE 0 70,000 0 0
JOHNSON & JOHNSON Com 478160104 1,785 11,992 SH   SOLE 0 11,742 0 250
JOHNSON & JOHNSON Com 478160104 1,342 9,015 SH   DFND 0 9,015 0 0
KIMBERLY-CLARK CORP Com 494368103 2,676 18,120 SH   SOLE 0 17,845 0 275
KIMBERLY-CLARK CORP Com 494368103 285 1,928 SH   DFND 0 1,928 0 0
LKQ CORPORATION Com 501889208 387 13,963 SH   SOLE 0 13,963 0 0
LKQ CORPORATION Com 501889208 80 2,900 SH   DFND 0 2,900 0 0
ELI LILLY & CO Com 532457108 1,531 10,343 SH   SOLE 0 10,343 0 0
LOWE'S COS INC Com 548661107 649 3,914 SH   SOLE 0 3,914 0 0
LOWE'S COS INC Com 548661107 176 1,060 SH   DFND 0 1,060 0 0
MASTERCARD INC-CLASS A Com 57636Q104 737 2,180 SH   SOLE 0 2,180 0 0
MASTERCARD INC-CLASS A Com 57636Q104 159 470 SH   DFND 0 470 0 0
MCDONALD'S CORP Com 580135101 1,356 6,180 SH   SOLE 0 6,180 0 0
MCKESSON CORP Com 58155Q103 364 2,441 SH   SOLE 0 2,441 0 0
MCKESSON CORP Com 58155Q103 119 800 SH   DFND 0 800 0 0
MERCK & CO. INC. Com 58933Y105 769 9,276 SH   SOLE 0 9,276 0 0
MERCK & CO. INC. Com 58933Y105 710 8,560 SH   DFND 0 8,560 0 0
Metlife Inc Pfd Pfd Stk 59156RBP2 39 40,000 SH   SOLE 0 40,000 0 0
MICROSOFT CORP Com 594918104 7,419 35,271 SH   SOLE 0 35,271 0 0
MICROSOFT CORP Com 594918104 2,513 11,950 SH   DFND 0 11,950 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 890 15,485 SH   SOLE 0 15,485 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 133 2,310 SH   DFND 0 2,310 0 0
MOTOROLA SOLUTIONS INC Com 620076307 68 434 SH   SOLE 0 434 0 0
MOTOROLA SOLUTIONS INC Com 620076307 182 1,162 SH   DFND 0 1,162 0 0
NASDAQ INC Com 631103108 1,695 13,817 SH   SOLE 0 13,817 0 0
NEXTERA ENERGY INC Com 65339F101 589 2,121 SH   SOLE 0 2,121 0 0
NEXTERA ENERGY INC Com 65339F101 28 102 SH   DFND 0 102 0 0
NIKE INC -CL B Com 654106103 2,451 19,526 SH   SOLE 0 19,526 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109 415 4,773 SH   SOLE 0 4,773 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109 33 380 SH   DFND 0 380 0 0
NVIDIA CORP Com 67066G104 6,747 12,467 SH   SOLE 0 12,467 0 0
NVIDIA CORP Com 67066G104 313 579 SH   DFND 0 579 0 0
ORACLE CORP Com 68389X105 548 9,183 SH   SOLE 0 9,183 0 0
ORACLE CORP Com 68389X105 7 115 SH   DFND 0 115 0 0
PALO ALTO NETWORKS INC Com 697435105 352 1,437 SH   SOLE 0 1,437 0 0
PAYPAL HOLDINGS INC Com 70450Y103 1,750 8,880 SH   SOLE 0 8,880 0 0
PEPSICO INC Com 713448108 1,120 8,078 SH   SOLE 0 7,903 0 175
PEPSICO INC Com 713448108 820 5,913 SH   DFND 0 5,913 0 0
PFIZER INC Com 717081103 2,029 55,290 SH   SOLE 0 55,290 0 0
PFIZER INC Com 717081103 397 10,831 SH   DFND 0 10,831 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 441 5,878 SH   SOLE 0 5,878 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 149 1,985 SH   DFND 0 1,985 0 0
PROCTER & GAMBLE CO/THE Com 742718109 2,787 20,049 SH   SOLE 0 19,799 0 250
PROCTER & GAMBLE CO/THE Com 742718109 648 4,664 SH   DFND 0 4,664 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106 443 8,076 SH   SOLE 0 8,076 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106 138 2,516 SH   DFND 0 2,516 0 0
QUALCOMM INC Com 747525103 760 6,462 SH   SOLE 0 6,462 0 0
QUALCOMM INC Com 747525103 64 543 SH   DFND 0 543 0 0
ROPER TECHNOLOGIES INC Com 776696106 399 1,011 SH   SOLE 0 1,011 0 0
ROPER TECHNOLOGIES INC Com 776696106 130 330 SH   DFND 0 330 0 0
ROYCE PENNSYLVANIA MUTUAL FUND Com 780905840 247 29,162 SH   SOLE 0 29,162 0 0
SPDR S&P 500 ETF TRUST Com 78462F103 10,075 30,084 SH   SOLE 0 30,084 0 0
SPDR S&P 500 ETF TRUST Com 78462F103 59 177 SH   DFND 0 177 0 0
SPDR GOLD TRUST Com 78463V107 1,398 7,891 SH   SOLE 0 7,891 0 0
SPDR MSCI ACWI EX-US Com 78463X848 6,102 253,728 SH   SOLE 0 253,728 0 0
SPDR BBG BARC CONVERTIBLE Com 78464A359 9,966 144,660 SH   SOLE 0 144,660 0 0
SPDR BBG BARC CONVERTIBLE Com 78464A359 372 5,400 SH   DFND 0 5,400 0 0
KBW BANK ETF Com 78464A797 236 8,020 SH   SOLE 0 8,020 0 0
KBW BANK ETF Com 78464A797 16 540 SH   DFND 0 540 0 0
SPDR S&P BIOTECH ETF Com 78464A870 598 5,366 SH   SOLE 0 5,366 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 984 2,905 SH   SOLE 0 2,905 0 0
SVB FINANCIAL GROUP Com 78486Q101 481 2,000 SH   SOLE 0 2,000 0 0
The Charles Schwab Corporation Pfd Stk 808513AP0 60 60,000 SH   SOLE 0 60,000 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209 1,715 16,262 SH   SOLE 0 16,262 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209 47 450 SH   DFND 0 450 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Com 81369Y308 1,566 24,433 SH   SOLE 0 24,433 0 0
CONSUMER DISCRETIONARY SELT Com 81369Y407 1,338 9,101 SH   SOLE 0 9,101 0 0
FINANCIAL SELECT SECTOR SPDR Com 81369Y605 286 11,867 SH   SOLE 0 11,867 0 0
TECHNOLOGY SELECT SECT SPDR Com 81369Y803 1,522 13,044 SH   SOLE 0 13,044 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886 2,996 50,457 SH   SOLE 0 50,457 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886 17 280 SH   DFND 0 280 0 0
SOUTHERN CO/THE Com 842587107 379 6,988 SH   SOLE 0 6,988 0 0
SOUTHERN CO/THE Com 842587107 111 2,038 SH   DFND 0 2,038 0 0
STANLEY BLACK & DECKER INC Com 854502101 306 1,889 SH   SOLE 0 1,889 0 0
STANLEY BLACK & DECKER INC Com 854502101 115 710 SH   DFND 0 710 0 0
STARBUCKS CORP Com 855244109 347 4,040 SH   SOLE 0 4,040 0 0
Alta Properties, Inc. Com 863012544 93 12,544 SH   SOLE 0 12,544 0 0
Alta Properties, Inc. Com 863112000 89 12,000 SH   SOLE 0 12,000 0 0
STRYKER CORP Com 863667101 582 2,795 SH   SOLE 0 2,795 0 0
STRYKER CORP Com 863667101 89 425 SH   DFND 0 425 0 0
TJX COMPANIES INC Com 872540109 284 5,110 SH   SOLE 0 5,110 0 0
TEXAS INSTRUMENTS INC Com 882508104 164 1,146 SH   SOLE 0 1,146 0 0
TEXAS INSTRUMENTS INC Com 882508104 100 700 SH   DFND 0 700 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102 3,120 7,067 SH   SOLE 0 7,067 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102 249 564 SH   DFND 0 564 0 0
3M CO Com 88579Y101 3,177 19,837 SH   SOLE 0 19,837 0 0
3M CO Com 88579Y101 508 3,170 SH   DFND 0 3,170 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307 341 2,575 SH   SOLE 0 2,575 0 0
Truist Financial Corporation Com 89832Q109 247 6,480 SH   SOLE 0 6,480 0 0
TYSON FOODS INC-CL A Com 902494103 72 1,218 SH   SOLE 0 1,218 0 0
TYSON FOODS INC-CL A Com 902494103 160 2,685 SH   DFND 0 2,685 0 0
US BANCORP Com 902973304 193 5,390 SH   SOLE 0 5,390 0 0
US BANCORP Com 902973304 29 820 SH   DFND 0 820 0 0
UNION PACIFIC CORP Com 907818108 1,131 5,743 SH   SOLE 0 5,743 0 0
UNION PACIFIC CORP Com 907818108 581 2,949 SH   DFND 0 2,949 0 0
UNITED PARCEL SERVICE-CL B Com 911312106 491 2,948 SH   SOLE 0 2,948 0 0
UNITEDHEALTH GROUP INC Com 91324P102 444 1,424 SH   SOLE 0 1,424 0 0
UNITEDHEALTH GROUP INC Com 91324P102 25 80 SH   DFND 0 80 0 0
VALERO ENERGY CORP Com 91913Y100 272 6,277 SH   SOLE 0 6,277 0 0
VALERO ENERGY CORP Com 91913Y100 121 2,800 SH   DFND 0 2,800 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 3,493 27,147 SH   SOLE 0 27,147 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858 259 6,333 SH   SOLE 0 6,333 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858 139 3,400 SH   DFND 0 3,400 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406 375 4,633 SH   SOLE 0 4,633 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406 134 1,657 SH   DFND 0 1,657 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810 8,164 113,374 SH   SOLE 0 113,374 0 0
VANGUARD FTSE ALL-WORLD EX-US Com 922042775 781 15,482 SH   SOLE 0 15,482 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 276 6,390 SH   SOLE 0 6,390 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 283 6,552 SH   DFND 0 6,552 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102 3,220 51,861 SH   SOLE 0 51,861 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409 6,343 76,556 SH   SOLE 0 76,556 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409 120 1,450 SH   DFND 0 1,450 0 0
VANGUARD S&P 500 ETF Com 922908363 787 2,558 SH   SOLE 0 2,558 0 0
VANGUARD REAL ESTATE ETF Com 922908553 751 9,510 SH   SOLE 0 9,510 0 0
VANGUARD REAL ESTATE ETF Com 922908553 77 971 SH   DFND 0 971 0 0
VANGUARD IND FD MID-CAP Com 922908629 495 2,810 SH   SOLE 0 2,810 0 0
VANGUARD IND FD MID-CAP Com 922908629 72 406 SH   DFND 0 406 0 0
VANGUARD SMALL-CAP ETF Com 922908751 232 1,506 SH   SOLE 0 1,506 0 0
VERIZON COMMUNICATIONS INC Com 92343V104 4,227 71,047 SH   SOLE 0 71,047 0 0
VERIZON COMMUNICATIONS INC Com 92343V104 177 2,979 SH   DFND 0 2,979 0 0
VISA INC-CLASS A SHARES Com 92826C839 2,668 13,341 SH   SOLE 0 12,991 0 350
WALMART INC Com 931142103 1,724 12,322 SH   SOLE 0 12,322 0 0
WALMART INC Com 931142103 252 1,800 SH   DFND 0 1,800 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 475 13,223 SH   SOLE 0 13,223 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 53 1,480 SH   DFND 0 1,480 0 0
WASTE MGMT INC Com 94106L109 459 4,060 SH   SOLE 0 4,060 0 0
WELLS FARGO & CO Com 949746101 302 12,858 SH   SOLE 0 12,858 0 0
WELLS FARGO & CO Com 949746101 188 8,000 SH   DFND 0 8,000 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315 725 20,570 SH   SOLE 0 20,570 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315 51 1,435 SH   DFND 0 1,435 0 0
WISDOM TREE SMALL CAP DIVIDEND Com 97717W604 307 14,560 SH   SOLE 0 14,560 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578 441 13,103 SH   SOLE 0 13,103 0 0
WISDOMTREE US QUALITY DIVID Com 97717X669 604 12,193 SH   SOLE 0 12,193 0 0
XILINX INC Com 983919101 275 2,641 SH   SOLE 0 2,641 0 0
ZOOM VIDEO COMMUNICATIONS INC Com 98980L101 393 835 SH   SOLE 0 835 0 0
ACCENTURE PLC-CL A Com G1151C101 813 3,598 SH   SOLE 0 3,598 0 0
ACCENTURE PLC-CL A Com G1151C101 106 467 SH   DFND 0 467 0 0
EATON CORP PLC Com G29183103 499 4,886 SH   SOLE 0 4,886 0 0
EATON CORP PLC Com G29183103 45 440 SH   DFND 0 440 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105 1,788 43,774 SH   SOLE 0 43,774 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105 72 1,754 SH   DFND 0 1,754 0 0
MEDTRONIC PLC Com G5960L103 665 6,401 SH   SOLE 0 6,401 0 0
MEDTRONIC PLC Com G5960L103 16 156 SH   DFND 0 156 0 0
APTIV PLC Com G6095L109 111 1,216 SH   SOLE 0 1,216 0 0
APTIV PLC Com G6095L109 105 1,150 SH   DFND 0 1,150 0 0
TRANE TECHNOLOGIES PLC ADR Com G8994E103 2,033 16,765 SH   SOLE 0 16,765 0 0
TRANE TECHNOLOGIES PLC ADR Com G8994E103 12 101 SH   DFND 0 101 0 0
CHUBB LTD Com H1467J104 457 3,937 SH   SOLE 0 3,937 0 0