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   <infoTable>
       <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>002824100</cusip>
       <value>1305</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30862</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>29503</Sole>
           <Shared>0</Shared>
           <None>1359</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALEXION PHARMACEUTICALS INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>015351109</cusip>
       <value>1096</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8947</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
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           <Sole>8947</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALEXION PHARMACEUTICALS INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>015351109</cusip>
       <value>6</value>
       <shrsOrPrnAmt>
           <sshPrnamt>45</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <otherManager>1</otherManager>
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           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>45</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>018802108</cusip>
       <value>877</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22890</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>17378</Sole>
           <Shared>0</Shared>
           <None>5512</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>020002101</cusip>
       <value>571</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8268</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <otherManager>1</otherManager>
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           <Sole>8056</Sole>
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           <None>212</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>023135106</cusip>
       <value>1830</value>
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           <sshPrnamt>2186</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>2186</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>023135106</cusip>
       <value>36</value>
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           <sshPrnamt>43</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>43</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>023135106</cusip>
       <value>93</value>
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           <sshPrnamt>111</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <otherManager>1</otherManager>
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           <Sole>62</Sole>
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       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>APPLE INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>037833100</cusip>
       <value>3181</value>
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           <sshPrnamt>28140</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>28140</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>APPLE INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>037833100</cusip>
       <value>281</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2490</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>2490</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>APPLE INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>037833100</cusip>
       <value>2205</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19507</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <otherManager>1</otherManager>
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           <Sole>18231</Sole>
           <Shared>0</Shared>
           <None>1276</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ASAHI CLASS ADR</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>043393206</cusip>
       <value>740</value>
       <shrsOrPrnAmt>
           <sshPrnamt>115449</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
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           <Sole>115449</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ASAHI CLASS ADR</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>043393206</cusip>
       <value>7</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1054</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>253</Sole>
           <Shared>0</Shared>
           <None>801</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BARRICK GOLD CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>067901108</cusip>
       <value>2332</value>
       <shrsOrPrnAmt>
           <sshPrnamt>131063</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
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           <Sole>131063</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BARRICK GOLD CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>067901108</cusip>
       <value>228</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12859</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>12373</Sole>
           <Shared>0</Shared>
           <None>486</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BARRICK GOLD CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>067901108</cusip>
       <value>111</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6270</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>4313</Sole>
           <Shared>0</Shared>
           <None>1957</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BED BATH &amp; BEYOND INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>075896100</cusip>
       <value>1350</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31312</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
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           <Sole>31312</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
       <titleOfClass>CL B NEW			</titleOfClass>
       <cusip>084670702</cusip>
       <value>99</value>
       <shrsOrPrnAmt>
           <sshPrnamt>686</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
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           <Sole>686</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
       <titleOfClass>CL B NEW			</titleOfClass>
       <cusip>084670702</cusip>
       <value>86</value>
       <shrsOrPrnAmt>
           <sshPrnamt>595</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <otherManager>2</otherManager>
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           <Sole>368</Sole>
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           <None>227</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
       <titleOfClass>CL B NEW			</titleOfClass>
       <cusip>084670702</cusip>
       <value>744</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5151</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>5015</Sole>
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           <None>136</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BOEING CO</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>097023105</cusip>
       <value>68</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5913</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>5467</Sole>
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           <None>446</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>110122108</cusip>
       <value>33</value>
       <shrsOrPrnAmt>
           <sshPrnamt>609</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>609</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>110122108</cusip>
       <value>419</value>
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           <sshPrnamt>7765</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <otherManager>1</otherManager>
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           <Sole>2474</Sole>
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           <None>5291</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
       <cusip>110448107</cusip>
       <value>1519</value>
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           <sshPrnamt>11897</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
       <cusip>110448107</cusip>
       <value>13</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>25</Sole>
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       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CIGNA CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>125509109</cusip>
       <value>1211</value>
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           <sshPrnamt>9291</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CIGNA CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>125509109</cusip>
       <value>11</value>
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           <sshPrnamt>88</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       </votingAuthority>
   </infoTable>
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       <nameOfIssuer>CSX CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>126408103</cusip>
       <value>47</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1555</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>1555</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CSX CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>126408103</cusip>
       <value>324</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10630</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>10516</Sole>
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       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CVS CAREMARK CORPORATION</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>126650100</cusip>
       <value>5902</value>
       <shrsOrPrnAmt>
           <sshPrnamt>66325</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>66325</Sole>
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       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CVS CAREMARK CORPORATION</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>126650100</cusip>
       <value>367</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4127</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
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           <Sole>4042</Sole>
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           <None>85</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CVS CAREMARK CORPORATION</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>126650100</cusip>
       <value>1015</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11411</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>10057</Sole>
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           <None>1354</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CABOT OIL &amp; GAS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127097103</cusip>
       <value>921</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35709</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
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           <Sole>35709</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CABOT OIL &amp; GAS CORP</nameOfIssuer>
       <titleOfClass>COM</titleOfClass>
       <cusip>127097103</cusip>
       <value>2</value>
       <shrsOrPrnAmt>
           <sshPrnamt>82</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>0</Sole>
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           <None>82</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
       <titleOfClass>PAIRED CTF			</titleOfClass>
       <cusip>143658300</cusip>
       <value>1560</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31951</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>31951</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
       <titleOfClass>PAIRED CTF			</titleOfClass>
       <cusip>143658300</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
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           <Sole>0</Sole>
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           <None>11</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CATERPILLAR INC DEL</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>149123101</cusip>
       <value>400</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4508</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>4500</Sole>
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           <None>8</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CELGENE CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>151020104</cusip>
       <value>1392</value>
       <shrsOrPrnAmt>
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   <infoTable>
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       <titleOfClass>MSCI EAFE INDEX			</titleOfClass>
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   <infoTable>
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   <infoTable>
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       <titleOfClass>DJ US REAL EST			</titleOfClass>
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   <infoTable>
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       <titleOfClass>DJ US REAL EST			</titleOfClass>
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   <infoTable>
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       <titleOfClass>DJ US REAL EST			</titleOfClass>
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       <titleOfClass>AGENCY BOND ETF			</titleOfClass>
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   <infoTable>
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       <titleOfClass>AGENCY BOND ETF			</titleOfClass>
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   <infoTable>
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       <titleOfClass>AGENCY BOND ETF			</titleOfClass>
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       <titleOfClass>MSCI SMALL CAP			</titleOfClass>
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   <infoTable>
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   <infoTable>
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       <titleOfClass>JP MOR EM MK ETF			</titleOfClass>
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       <titleOfClass>BARCLAYS MBS BD			</titleOfClass>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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       <titleOfClass>US PFD STK IDX			</titleOfClass>
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   <infoTable>
       <nameOfIssuer>ISHARES TR</nameOfIssuer>
       <titleOfClass>US PFD STK IDX			</titleOfClass>
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       <titleOfClass>SPON ADR NEW			</titleOfClass>
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       <titleOfClass>SPON ADR NEW			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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       <titleOfClass>SPONSORED ADR			</titleOfClass>
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       <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
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       <cusip>670100205</cusip>
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       <nameOfIssuer>OPEN TEXT CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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       <nameOfIssuer>ORANGE NPV</nameOfIssuer>
       <titleOfClass>ADR			</titleOfClass>
       <cusip>684060106</cusip>
       <value>1549</value>
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       <titleOfClass>ADR			</titleOfClass>
       <cusip>684060106</cusip>
       <value>13</value>
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       <titleOfClass>ADR			</titleOfClass>
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       <value>11</value>
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       <nameOfIssuer>ORIX CORP</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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       <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
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       <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
       <titleOfClass>COM NEW			</titleOfClass>
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       <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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       <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
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       <cusip>911312106</cusip>
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       <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>911363109</cusip>
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       <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>911363109</cusip>
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       <titleOfClass>COM			</titleOfClass>
       <cusip>913017109</cusip>
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       <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
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       <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
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       <titleOfClass>COM			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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       <nameOfIssuer>WALGREEN BOOTS ALLIANCE</nameOfIssuer>
       <titleOfClass>INC			</titleOfClass>
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   <infoTable>
       <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
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       <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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   <infoTable>
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       <titleOfClass>COM			</titleOfClass>
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   <infoTable>
       <nameOfIssuer>WHIRLPOOL CORPORATION</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
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           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>86</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BT GROUP PLC</nameOfIssuer>
       <titleOfClass>ADR			</titleOfClass>
       <cusip>05577E101</cusip>
       <value>2163</value>
       <shrsOrPrnAmt>
           <sshPrnamt>85060</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>85060</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BT GROUP PLC</nameOfIssuer>
       <titleOfClass>ADR			</titleOfClass>
       <cusip>05577E101</cusip>
       <value>18</value>
       <shrsOrPrnAmt>
           <sshPrnamt>698</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>160</Sole>
           <Shared>0</Shared>
           <None>538</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BT GROUP PLC</nameOfIssuer>
       <titleOfClass>ADR			</titleOfClass>
       <cusip>05577E101</cusip>
       <value>4</value>
       <shrsOrPrnAmt>
           <sshPrnamt>174</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>174</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TARGET CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>87612E106</cusip>
       <value>315</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4588</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>4268</Sole>
           <Shared>0</Shared>
           <None>320</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S A</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
       <cusip>89151E109</cusip>
       <value>2055</value>
       <shrsOrPrnAmt>
           <sshPrnamt>43077</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>43077</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S A</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
       <cusip>89151E109</cusip>
       <value>18</value>
       <shrsOrPrnAmt>
           <sshPrnamt>369</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>94</Sole>
           <Shared>0</Shared>
           <None>275</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S A</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
       <cusip>89151E109</cusip>
       <value>725</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15207</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>15207</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>89417E109</cusip>
       <value>132</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1149</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>1149</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>89417E109</cusip>
       <value>116</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1011</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>615</Sole>
           <Shared>0</Shared>
           <None>396</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>89417E109</cusip>
       <value>138</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1207</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>930</Sole>
           <Shared>0</Shared>
           <None>277</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BARCLAYS PLC</nameOfIssuer>
       <titleOfClass>ADR			</titleOfClass>
       <cusip>06738E204</cusip>
       <value>3626</value>
       <shrsOrPrnAmt>
           <sshPrnamt>417210</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>417210</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BARCLAYS PLC</nameOfIssuer>
       <titleOfClass>ADR			</titleOfClass>
       <cusip>06738E204</cusip>
       <value>1</value>
       <shrsOrPrnAmt>
           <sshPrnamt>65</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>65</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BARCLAYS PLC</nameOfIssuer>
       <titleOfClass>ADR			</titleOfClass>
       <cusip>06738E204</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1033</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>1033</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>00206R102</cusip>
       <value>65</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1593</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>1593</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>00206R102</cusip>
       <value>220</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5418</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>5037</Sole>
           <Shared>0</Shared>
           <None>381</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>00206R102</cusip>
       <value>3128</value>
       <shrsOrPrnAmt>
           <sshPrnamt>77024</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>73990</Sole>
           <Shared>0</Shared>
           <None>3034</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ABBVIE INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>00287Y109</cusip>
       <value>31</value>
       <shrsOrPrnAmt>
           <sshPrnamt>494</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>494</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ABBVIE INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>00287Y109</cusip>
       <value>27</value>
       <shrsOrPrnAmt>
           <sshPrnamt>434</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>264</Sole>
           <Shared>0</Shared>
           <None>170</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ABBVIE INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>00287Y109</cusip>
       <value>1632</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25872</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>24395</Sole>
           <Shared>0</Shared>
           <None>1477</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>00404A109</cusip>
       <value>1619</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32676</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>32676</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ACADIA HEALTHCARE COMPANY IN</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>00404A109</cusip>
       <value>138</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2788</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>2536</Sole>
           <Shared>0</Shared>
           <None>252</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>00507V109</cusip>
       <value>2722</value>
       <shrsOrPrnAmt>
           <sshPrnamt>61453</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>61453</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>00507V109</cusip>
       <value>409</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9231</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>9231</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ACTIVISION BLIZZARD INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>00507V109</cusip>
       <value>1376</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31066</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>29247</Sole>
           <Shared>0</Shared>
           <None>1819</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALLY FINL INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>02005N100</cusip>
       <value>1113</value>
       <shrsOrPrnAmt>
           <sshPrnamt>57160</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>57160</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALLY FINL INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>02005N100</cusip>
       <value>97</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4999</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>4554</Sole>
           <Shared>0</Shared>
           <None>445</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALPHABET INC</nameOfIssuer>
       <titleOfClass>CAP STOCK CL C			</titleOfClass>
       <cusip>02079K107</cusip>
       <value>49</value>
       <shrsOrPrnAmt>
           <sshPrnamt>63</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>63</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALPHABET INC</nameOfIssuer>
       <titleOfClass>CAP STOCK CL C			</titleOfClass>
       <cusip>02079K107</cusip>
       <value>97</value>
       <shrsOrPrnAmt>
           <sshPrnamt>125</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>104</Sole>
           <Shared>0</Shared>
           <None>21</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALPHABET INC</nameOfIssuer>
       <titleOfClass>CAP STOCK CL C			</titleOfClass>
       <cusip>02079K107</cusip>
       <value>313</value>
       <shrsOrPrnAmt>
           <sshPrnamt>403</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>285</Sole>
           <Shared>0</Shared>
           <None>118</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>02209S103</cusip>
       <value>662</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10462</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>8887</Sole>
           <Shared>0</Shared>
           <None>1575</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMADEUS IT HOLDING S A ADR</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>02263T104</cusip>
       <value>865</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17370</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>17370</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMADEUS IT HOLDING S A ADR</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>02263T104</cusip>
       <value>8</value>
       <shrsOrPrnAmt>
           <sshPrnamt>159</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>38</Sole>
           <Shared>0</Shared>
           <None>121</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMERICAN AIRLINES GROUP</nameOfIssuer>
       <titleOfClass>INC			</titleOfClass>
       <cusip>02376R102</cusip>
       <value>2497</value>
       <shrsOrPrnAmt>
           <sshPrnamt>68196</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>68196</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMERICAN AIRLINES GROUP</nameOfIssuer>
       <titleOfClass>INC			</titleOfClass>
       <cusip>02376R102</cusip>
       <value>26</value>
       <shrsOrPrnAmt>
           <sshPrnamt>723</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>723</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AMERICAN AIRLINES GROUP</nameOfIssuer>
       <titleOfClass>INC			</titleOfClass>
       <cusip>02376R102</cusip>
       <value>16</value>
       <shrsOrPrnAmt>
           <sshPrnamt>429</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>429</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ANHEUSER BUSCH IBNBEV SA/NV</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
       <cusip>03524A108</cusip>
       <value>1187</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9029</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>9029</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ANHEUSER BUSCH IBNBEV SA/NV</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
       <cusip>03524A108</cusip>
       <value>10</value>
       <shrsOrPrnAmt>
           <sshPrnamt>73</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>16</Sole>
           <Shared>0</Shared>
           <None>57</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>APARTMENT INVT &amp; MGMT CO</nameOfIssuer>
       <titleOfClass>CL A			</titleOfClass>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <nameOfIssuer>APARTMENT INVT &amp; MGMT CO</nameOfIssuer>
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       <cusip>03748R101</cusip>
       <value>151</value>
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           <sshPrnamt>3279</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <nameOfIssuer>APARTMENT INVT &amp; MGMT CO</nameOfIssuer>
       <titleOfClass>CL A			</titleOfClass>
       <cusip>03748R101</cusip>
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           <sshPrnamt>20</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>20</None>
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       <nameOfIssuer>BLACKROCK CA MUNI 2018 TERM</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>09249C105</cusip>
       <value>1138</value>
       <shrsOrPrnAmt>
           <sshPrnamt>74907</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
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       <nameOfIssuer>BLACKSTONE GROUP LP</nameOfIssuer>
       <titleOfClass>COM UNIT LTD			</titleOfClass>
       <cusip>09253U108</cusip>
       <value>2423</value>
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           <sshPrnamt>94920</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
       <nameOfIssuer>BLACKSTONE GROUP LP</nameOfIssuer>
       <titleOfClass>COM UNIT LTD			</titleOfClass>
       <cusip>09253U108</cusip>
       <value>33</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1307</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>BLACKSTONE GROUP LP</nameOfIssuer>
       <titleOfClass>COM UNIT LTD			</titleOfClass>
       <cusip>09253U108</cusip>
       <value>14</value>
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           <sshPrnamt>530</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
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       <nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
       <titleOfClass>CL A			</titleOfClass>
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       <value>1078</value>
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           <sshPrnamt>38545</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
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       <nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
       <titleOfClass>CL A			</titleOfClass>
       <cusip>12504L109</cusip>
       <value>96</value>
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           <sshPrnamt>3422</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>3113</Sole>
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           <None>309</None>
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       <nameOfIssuer>CANADIAN PAC RY LTD</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>13645T100</cusip>
       <value>606</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3968</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>CANADIAN PAC RY LTD</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>13645T100</cusip>
       <value>5</value>
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           <sshPrnamt>35</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <otherManager>2</otherManager>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>25</None>
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       <nameOfIssuer>CENCOSUD S A</nameOfIssuer>
       <titleOfClass>SPONSORED ADS			</titleOfClass>
       <cusip>15132H101</cusip>
       <value>748</value>
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           <sshPrnamt>83022</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <Sole>83022</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>CENCOSUD S A</nameOfIssuer>
       <titleOfClass>SPONSORED ADS			</titleOfClass>
       <cusip>15132H101</cusip>
       <value>7</value>
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           <sshPrnamt>785</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <votingAuthority>
           <Sole>192</Sole>
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           <None>593</None>
       </votingAuthority>
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       <nameOfIssuer>CHEMED CORP NEW</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>16359R103</cusip>
       <value>282</value>
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           <sshPrnamt>2000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
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       <nameOfIssuer>CINEMARK HOLDINGS INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>17243V102</cusip>
       <value>19</value>
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           <sshPrnamt>490</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <otherManager>2</otherManager>
       <votingAuthority>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>CINEMARK HOLDINGS INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>17243V102</cusip>
       <value>269</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7016</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>4945</Sole>
           <Shared>0</Shared>
           <None>2071</None>
       </votingAuthority>
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       <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>17275R102</cusip>
       <value>1725</value>
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           <sshPrnamt>54384</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>17275R102</cusip>
       <value>97</value>
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           <sshPrnamt>3058</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>806</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>17275R102</cusip>
       <value>769</value>
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           <sshPrnamt>24244</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
       <titleOfClass>CL A			</titleOfClass>
       <cusip>20030N101</cusip>
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       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
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   <infoTable>
       <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
       <titleOfClass>CL A			</titleOfClass>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <nameOfIssuer>COMMSCOPE HLDG CO INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
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       <value>1633</value>
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           <sshPrnamt>54233</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>COMMSCOPE HLDG CO INC</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>20337X109</cusip>
       <value>157</value>
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           <sshPrnamt>5216</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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           <None>481</None>
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   <infoTable>
       <nameOfIssuer>COMPANHIA DE SANEAMENTO BASI</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
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           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
       <nameOfIssuer>COMPANHIA DE SANEAMENTO BASI</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>20825C104</cusip>
       <value>39</value>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>20825C104</cusip>
       <value>594</value>
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           <sshPrnamtType>SH</sshPrnamtType>
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           <None>2260</None>
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   <infoTable>
       <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
       <titleOfClass>CL A			</titleOfClass>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
       <titleOfClass>CL A			</titleOfClass>
       <cusip>21036P108</cusip>
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           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
       <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
       <titleOfClass>CL A			</titleOfClass>
       <cusip>21036P108</cusip>
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           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
       <nameOfIssuer>CROWN CASTLE INTL CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
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           <sshPrnamtType>SH</sshPrnamtType>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>CROWN CASTLE INTL CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>22822V101</cusip>
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           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
       <nameOfIssuer>CROWN CASTLE INTL CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>22822V101</cusip>
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       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>DISCOVERY COMMUNICATNS NEW</nameOfIssuer>
       <titleOfClass>COM SER A			</titleOfClass>
       <cusip>25470F104</cusip>
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           <sshPrnamtType>SH</sshPrnamtType>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>DISCOVERY COMMUNICATNS NEW</nameOfIssuer>
       <titleOfClass>COM SER A			</titleOfClass>
       <cusip>25470F104</cusip>
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           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>DISH NETWORK CORP</nameOfIssuer>
       <titleOfClass>CL A</titleOfClass>
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       <cusip>69349H107</cusip>
       <value>273</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8335</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>6092</Sole>
           <Shared>0</Shared>
           <None>2243</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PPL CORP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>69351T106</cusip>
       <value>202</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5833</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>4215</Sole>
           <Shared>0</Shared>
           <None>1618</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
       <titleOfClass>ENHAN SHRT MAT			</titleOfClass>
       <cusip>72201R833</cusip>
       <value>406</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>4000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>PIMCO ETF TR</nameOfIssuer>
       <titleOfClass>ENHAN SHRT MAT			</titleOfClass>
       <cusip>72201R833</cusip>
       <value>318</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3140</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>3140</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>POWERSHARES DB CMDTY IDX TRA</nameOfIssuer>
       <titleOfClass>UNIT BEN INT			</titleOfClass>
       <cusip>73935S105</cusip>
       <value>167</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11120</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>11120</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
       <titleOfClass>TR UNIT			</titleOfClass>
       <cusip>78462F103</cusip>
       <value>248</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1145</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1145</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>DJ GLB RL ES ETF			</titleOfClass>
       <cusip>78463X749</cusip>
       <value>17543</value>
       <shrsOrPrnAmt>
           <sshPrnamt>352122</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>352122</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>DJ GLB RL ES ETF			</titleOfClass>
       <cusip>78463X749</cusip>
       <value>122</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2446</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>1119</Sole>
           <Shared>0</Shared>
           <None>1327</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
       <titleOfClass>DJ GLB RL ES ETF			</titleOfClass>
       <cusip>78463X749</cusip>
       <value>15</value>
       <shrsOrPrnAmt>
           <sshPrnamt>306</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>306</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>INTR TRM CORP BD			</titleOfClass>
       <cusip>78464A375</cusip>
       <value>1094</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31345</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>31345</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>INTR TRM CORP BD			</titleOfClass>
       <cusip>78464A375</cusip>
       <value>45</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1297</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>1297</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>INTR TRM CORP BD			</titleOfClass>
       <cusip>78464A375</cusip>
       <value>113</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3242</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>3242</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>HIGH YIELD BOND 			</titleOfClass>
       <cusip>78464A417</cusip>
       <value>9956</value>
       <shrsOrPrnAmt>
           <sshPrnamt>271121</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>271121</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>BARC SHT TR CP			</titleOfClass>
       <cusip>78464A474</cusip>
       <value>2251</value>
       <shrsOrPrnAmt>
           <sshPrnamt>73146</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>73146</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>BARC SHT TR CP			</titleOfClass>
       <cusip>78464A474</cusip>
       <value>110</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3580</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>3580</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>BARC SHT TR CP			</titleOfClass>
       <cusip>78464A474</cusip>
       <value>74</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2407</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>2407</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>KBW REGN BK ETF			</titleOfClass>
       <cusip>78464A698</cusip>
       <value>135</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3200</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>3200</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>KBW REGN BK ETF			</titleOfClass>
       <cusip>78464A698</cusip>
       <value>173</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>4100</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>KBW REGN BK ETF			</titleOfClass>
       <cusip>78464A698</cusip>
       <value>218</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5150</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>5150</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>SPDR KBW INS ETF			</titleOfClass>
       <cusip>78464A789</cusip>
       <value>121</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1637</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>1637</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>SPDR KBW INS ETF			</titleOfClass>
       <cusip>78464A789</cusip>
       <value>22</value>
       <shrsOrPrnAmt>
           <sshPrnamt>300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>300</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
       <titleOfClass>SPDR KBW INS ETF			</titleOfClass>
       <cusip>78464A789</cusip>
       <value>127</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1720</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1720</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>NUVN BRCLY MUNI			</titleOfClass>
       <cusip>78468R721</cusip>
       <value>546</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10910</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>10910</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>NUVN BRCLY MUNI			</titleOfClass>
       <cusip>78468R721</cusip>
       <value>65</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1301</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>1301</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>TR NUVN BR SHT MUNI			</titleOfClass>
       <cusip>78468R739</cusip>
       <value>3035</value>
       <shrsOrPrnAmt>
           <sshPrnamt>62130</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>62130</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR SER TR</nameOfIssuer>
       <titleOfClass>TR NUVN BR SHT MUNI			</titleOfClass>
       <cusip>78468R739</cusip>
       <value>912</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18679</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>18679</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SVB FINL GROUP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>78486Q101</cusip>
       <value>1161</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10501</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>10501</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SVB FINL GROUP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>78486Q101</cusip>
       <value>116</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1046</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>952</Sole>
           <Shared>0</Shared>
           <None>94</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SVB FINL GROUP</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>78486Q101</cusip>
       <value>21</value>
       <shrsOrPrnAmt>
           <sshPrnamt>187</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>187</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SANOFI</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
       <cusip>80105N105</cusip>
       <value>1353</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35432</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>35432</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SANOFI</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
       <cusip>80105N105</cusip>
       <value>12</value>
       <shrsOrPrnAmt>
           <sshPrnamt>307</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>78</Sole>
           <Shared>0</Shared>
           <None>229</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCANA CORP NEW</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>80589M102</cusip>
       <value>362</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>5000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-FINL			</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>511</value>
       <shrsOrPrnAmt>
           <sshPrnamt>26481</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>26481</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-FINL			</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>12</value>
       <shrsOrPrnAmt>
           <sshPrnamt>600</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>600</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
       <titleOfClass>SBI INT-FINL			</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>260</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13465</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>13465</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SHIRE PLC</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
       <cusip>82481R106</cusip>
       <value>2492</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12857</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1,2</otherManager>
       <votingAuthority>
           <Sole>12857</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SHIRE PLC</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
       <cusip>82481R106</cusip>
       <value>22</value>
       <shrsOrPrnAmt>
           <sshPrnamt>116</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>2</otherManager>
       <votingAuthority>
           <Sole>35</Sole>
           <Shared>0</Shared>
           <None>81</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SHIRE PLC</nameOfIssuer>
       <titleOfClass>SPONSORED ADR			</titleOfClass>
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       <nameOfIssuer>WISDOMTREE TRUST</nameOfIssuer>
       <titleOfClass>JAPN HEDGE EQT			</titleOfClass>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <nameOfIssuer>WISDOMTREE TRUST</nameOfIssuer>
       <titleOfClass>JAPN HEDGE EQT			</titleOfClass>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <nameOfIssuer>ALLERGAN PLC</nameOfIssuer>
       <titleOfClass>SHS			</titleOfClass>
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       <nameOfIssuer>ALLERGAN PLC</nameOfIssuer>
       <titleOfClass>SHS			</titleOfClass>
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       <value>307</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1334</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
       <nameOfIssuer>ALLERGAN PLC</nameOfIssuer>
       <titleOfClass>SHS			</titleOfClass>
       <cusip>G0177J108</cusip>
       <value>1320</value>
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           <sshPrnamt>5733</sshPrnamt>
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       <titleOfClass>PLC			</titleOfClass>
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       <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <nameOfIssuer>BUNGE LIMITED</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
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           <sshPrnamt>77268</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <titleOfClass>COM			</titleOfClass>
       <cusip>G16962105</cusip>
       <value>44</value>
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           <sshPrnamt>742</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <titleOfClass>COM			</titleOfClass>
       <cusip>G16962105</cusip>
       <value>36</value>
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           <sshPrnamt>610</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <nameOfIssuer>DELPHI AUTOMOTIVE</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <nameOfIssuer>DELPHI AUTOMOTIVE</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>G27823106</cusip>
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       <nameOfIssuer>DELPHI AUTOMOTIVE</nameOfIssuer>
       <titleOfClass>COM			</titleOfClass>
       <cusip>G27823106</cusip>
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       <titleOfClass>PLC			</titleOfClass>
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           <sshPrnamt>76259</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <nameOfIssuer>ENDO INTERNATIONAL</nameOfIssuer>
       <titleOfClass>PLC			</titleOfClass>
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       <value>1</value>
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       <titleOfClass>CONTROLS INTERNATIONAL PLC SHS			</titleOfClass>
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           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
       <nameOfIssuer>JOHNSON</nameOfIssuer>
       <titleOfClass>CONTROLS INTERNATIONAL PLC SHS			</titleOfClass>
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   <infoTable>
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       <titleOfClass>CONTROLS INTERNATIONAL PLC SHS			</titleOfClass>
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       <titleOfClass>PLC			</titleOfClass>
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       <titleOfClass>PLC			</titleOfClass>
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       <titleOfClass>PLC			</titleOfClass>
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       <titleOfClass>SHS			</titleOfClass>
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       <titleOfClass>SHS			</titleOfClass>
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   <infoTable>
       <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
       <titleOfClass>SHS			</titleOfClass>
       <cusip>G5960L103</cusip>
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       <titleOfClass>ORD			</titleOfClass>
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   <infoTable>
       <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
       <titleOfClass>ORD			</titleOfClass>
       <cusip>M22465104</cusip>
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   <infoTable>
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       <titleOfClass>ORD			</titleOfClass>
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       <titleOfClass>SHS			</titleOfClass>
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   <infoTable>
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       <titleOfClass>SHS			</titleOfClass>
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   <infoTable>
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       <titleOfClass>SHS - A -			</titleOfClass>
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       <titleOfClass>COM			</titleOfClass>
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   <infoTable>
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       <titleOfClass>COM			</titleOfClass>
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   <infoTable>
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       <titleOfClass>COM			</titleOfClass>
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   <infoTable>
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       <titleOfClass>LTD SHS			</titleOfClass>
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   <infoTable>
       <nameOfIssuer>BROADCOM</nameOfIssuer>
       <titleOfClass>LTD SHS			</titleOfClass>
       <cusip>Y09827109</cusip>
       <value>18</value>
       <shrsOrPrnAmt>
           <sshPrnamt>106</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <otherManager>1</otherManager>
       <votingAuthority>
           <Sole>93</Sole>
           <Shared>0</Shared>
           <None>13</None>
       </votingAuthority>
   </infoTable>
</informationTable>
