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
ABBOTT LABS COM 002824100 1,136 10,451 SH   SOLE   10,451 0 0
ABBOTT LABS COM 002824100 1,408 12,962 SH   DFND 7 0 12,962 0
ABBOTT LABS COM 002824100 95 875 SH   DFND 01,06 0 875 0
ABBOTT LABS COM 002824100 32 290 SH   DFND 6 0 290 0
ABBOTT LABS COM 002824100 482 4,440 SH   DFND 12 0 4,440 0
ABBOTT LABS COM 002824100 38 350 SH   DFND 5 0 350 0
ABBOTT LABS COM 002824100 141 1,300 SH   DFND 1 0 1,300 0
ABBVIE COM 00287Y109 58 381 SH   SOLE   381 0 0
ABBVIE COM 00287Y109 228 1,490 SH   DFND 12 0 1,490 0
ADVANCED MICRO DEVICES INC COM 007903107 714 9,333 SH   SOLE   9,333 0 0
ADVANCED MICRO DEVICES INC COM 007903107 1,004 13,134 SH   DFND 7 0 13,134 0
ADVANCED MICRO DEVICES INC COM 007903107 26 334 SH   DFND 6 0 334 0
ADVANCED MICRO DEVICES INC COM 007903107 315 4,122 SH   DFND 12 0 4,122 0
ADVANCED MICRO DEVICES INC COM 007903107 43 559 SH   DFND 5 0 559 0
ADVANCED MICRO DEVICES INC COM 007903107 112 1,464 SH   DFND 1 0 1,464 0
ALPHABET INC CL A COM 02079K305 1,162 533 SH   SOLE   533 0 0
ALPHABET INC CL A COM 02079K305 1,499 688 SH   DFND 7 0 688 0
ALPHABET INC CL A COM 02079K305 87 40 SH   DFND 01,06 0 40 0
ALPHABET INC CL A COM 02079K305 31 14 SH   DFND 6 0 14 0
ALPHABET INC CL A COM 02079K305 540 248 SH   DFND 12 0 248 0
ALPHABET INC CL A COM 02079K305 63 29 SH   DFND 5 0 29 0
ALPHABET INC CL A COM 02079K305 163 75 SH   DFND 1 0 75 0
ALPHABET INC CL C COM 02079K107 168 77 SH   SOLE   77 0 0
ALPHABET INC CL C COM 02079K107 98 45 SH   DFND 1 0 45 0
AMAZON.COM COM 023135106 662 6,235 SH   SOLE   6,235 0 0
AMAZON.COM COM 023135106 807 7,600 SH   DFND 7 0 7,600 0
AMAZON.COM COM 023135106 53 500 SH   DFND 01,06 0 500 0
AMAZON.COM COM 023135106 19 180 SH   DFND 6 0 180 0
AMAZON.COM COM 023135106 261 2,460 SH   DFND 12 0 2,460 0
AMAZON.COM COM 023135106 19 180 SH   DFND 5 0 180 0
AMAZON.COM COM 023135106 149 1,400 SH   DFND 1 0 1,400 0
AMERICAN TOWER COM 03027X100 75 294 SH   SOLE   294 0 0
AMERICAN TOWER COM 03027X100 31 120 SH   DFND 7 0 120 0
AMERICAN TOWER COM 03027X100 108 422 SH   DFND 1 0 422 0
ANALOG DEVICES COM 032654105 1,026 7,022 SH   SOLE   7,022 0 0
ANALOG DEVICES COM 032654105 1,437 9,835 SH   DFND 7 0 9,835 0
ANALOG DEVICES COM 032654105 73 500 SH   DFND 01,06 0 500 0
ANALOG DEVICES COM 032654105 37 250 SH   DFND 6 0 250 0
ANALOG DEVICES COM 032654105 478 3,270 SH   DFND 12 0 3,270 0
ANALOG DEVICES COM 032654105 33 225 SH   DFND 5 0 225 0
ANALOG DEVICES COM 032654105 161 1,100 SH   DFND 1 0 1,100 0
APPLE INC COM 037833100 1,490 10,900 SH   SOLE   10,900 0 0
APPLE INC COM 037833100 1,965 14,376 SH   DFND 7 0 14,376 0
APPLE INC COM 037833100 101 740 SH   DFND 01,06 0 740 0
APPLE INC COM 037833100 34 250 SH   DFND 6 0 250 0
APPLE INC COM 037833100 521 3,810 SH   DFND 12 0 3,810 0
APPLE INC COM 037833100 57 415 SH   DFND 5 0 415 0
APPLE INC COM 037833100 342 2,500 SH   DFND 1 0 2,500 0
APTARGROUP COM 038336103 771 7,466 SH   SOLE   7,466 0 0
APTARGROUP COM 038336103 795 7,707 SH   DFND 7 0 7,707 0
APTARGROUP COM 038336103 72 700 SH   DFND 01,06 0 700 0
APTARGROUP COM 038336103 26 250 SH   DFND 6 0 250 0
APTARGROUP COM 038336103 366 3,545 SH   DFND 12 0 3,545 0
APTARGROUP COM 038336103 21 200 SH   DFND 5 0 200 0
APTARGROUP COM 038336103 124 1,200 SH   DFND 1 0 1,200 0
AUTOMATIC DATA PROCESSING COM 053015103 1,342 6,387 SH   SOLE   6,387 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,657 7,887 SH   DFND 7 0 7,887 0
AUTOMATIC DATA PROCESSING COM 053015103 105 500 SH   DFND 01,06 0 500 0
AUTOMATIC DATA PROCESSING COM 053015103 34 160 SH   DFND 6 0 160 0
AUTOMATIC DATA PROCESSING COM 053015103 577 2,745 SH   DFND 12 0 2,745 0
AUTOMATIC DATA PROCESSING COM 053015103 57 270 SH   DFND 5 0 270 0
AUTOMATIC DATA PROCESSING COM 053015103 210 1,000 SH   DFND 1 0 1,000 0
BECTON DICKINSON COM 075887109 779 3,159 SH   SOLE   3,159 0 0
BECTON DICKINSON COM 075887109 770 3,125 SH   DFND 7 0 3,125 0
BECTON DICKINSON COM 075887109 25 100 SH   DFND 01,06 0 100 0
BECTON DICKINSON COM 075887109 27 110 SH   DFND 6 0 110 0
BECTON DICKINSON COM 075887109 355 1,440 SH   DFND 12 0 1,440 0
BECTON DICKINSON COM 075887109 41 165 SH   DFND 5 0 165 0
BECTON DICKINSON COM 075887109 74 300 SH   DFND 1 0 300 0
BERKSHIRE HATHAWAY CL B COM 084670702 316 1,156 SH   SOLE   1,156 0 0
BERKSHIRE HATHAWAY CL B COM 084670702 251 920 SH   DFND 12 0 920 0
CANADIAN NATL RAILWAY COM 136375102 1,148 10,205 SH   SOLE   10,205 0 0
CANADIAN NATL RAILWAY COM 136375102 1,289 11,457 SH   DFND 7 0 11,457 0
CANADIAN NATL RAILWAY COM 136375102 107 950 SH   DFND 01,06 0 950 0
CANADIAN NATL RAILWAY COM 136375102 31 280 SH   DFND 6 0 280 0
CANADIAN NATL RAILWAY COM 136375102 489 4,345 SH   DFND 12 0 4,345 0
CANADIAN NATL RAILWAY COM 136375102 56 500 SH   DFND 5 0 500 0
CANADIAN NATL RAILWAY COM 136375102 191 1,700 SH   DFND 1 0 1,700 0
CHEVRON COM 166764100 74 510 SH   SOLE   510 0 0
CHEVRON COM 166764100 58 400 SH   DFND 01,06 0 400 0
CHEVRON COM 166764100 51 350 SH   DFND 7 0 350 0
CHEVRON COM 166764100 28 195 SH   DFND 6 0 195 0
CHEVRON COM 166764100 51 350 SH   DFND 5 0 350 0
CHEVRON COM 166764100 290 2,000 SH   DFND 1 0 2,000 0
CVS HEALTH COM 126650100 706 7,622 SH   SOLE   7,622 0 0
CVS HEALTH COM 126650100 364 3,933 SH   DFND 7 0 3,933 0
CVS HEALTH COM 126650100 60 650 SH   DFND 01,06 0 650 0
CVS HEALTH COM 126650100 28 305 SH   DFND 6 0 305 0
CVS HEALTH COM 126650100 319 3,447 SH   DFND 12 0 3,447 0
CVS HEALTH COM 126650100 37 400 SH   DFND 5 0 400 0
DANAHER CORP COM 235851102 1,242 4,899 SH   SOLE   4,899 0 0
DANAHER CORP COM 235851102 1,606 6,335 SH   DFND 7 0 6,335 0
DANAHER CORP COM 235851102 95 375 SH   DFND 01,06 0 375 0
DANAHER CORP COM 235851102 30 120 SH   DFND 6 0 120 0
DANAHER CORP COM 235851102 517 2,040 SH   DFND 12 0 2,040 0
DANAHER CORP COM 235851102 52 205 SH   DFND 5 0 205 0
DANAHER CORP COM 235851102 217 854 SH   DFND 1 0 854 0
DISNEY COM 254687106 579 6,133 SH   SOLE   6,133 0 0
DISNEY COM 254687106 626 6,633 SH   DFND 7 0 6,633 0
DISNEY COM 254687106 33 350 SH   DFND 01,06 0 350 0
DISNEY COM 254687106 20 210 SH   DFND 6 0 210 0
DISNEY COM 254687106 286 3,030 SH   DFND 12 0 3,030 0
DISNEY COM 254687106 24 250 SH   DFND 5 0 250 0
DISNEY COM 254687106 85 900 SH   DFND 1 0 900 0
EDWARDS LIFESCIENCES COM 28176E108 70 738 SH   SOLE   738 0 0
EDWARDS LIFESCIENCES COM 28176E108 31 325 SH   DFND 01,06 0 325 0
EDWARDS LIFESCIENCES COM 28176E108 141 1,479 SH   DFND 7 0 1,479 0
EDWARDS LIFESCIENCES COM 28176E108 2 25 SH   DFND 5 0 25 0
EDWARDS LIFESCIENCES COM 28176E108 57 600 SH   DFND 1 0 600 0
EXXON MOBIL COM 30231G102 146 1,700 SH   SOLE   1,700 0 0
EXXON MOBIL COM 30231G102 64 750 SH   DFND 01,06 0 750 0
FISERV COM 337738108 858 9,643 SH   SOLE   9,643 0 0
FISERV COM 337738108 893 10,036 SH   DFND 7 0 10,036 0
FISERV COM 337738108 67 750 SH   DFND 01,06 0 750 0
FISERV COM 337738108 28 310 SH   DFND 6 0 310 0
FISERV COM 337738108 311 3,490 SH   DFND 12 0 3,490 0
FISERV COM 337738108 19 210 SH   DFND 5 0 210 0
FISERV COM 337738108 116 1,300 SH   DFND 1 0 1,300 0
HOME DEPOT COM 437076102 815 2,971 SH   SOLE   2,971 0 0
HOME DEPOT COM 437076102 1,057 3,853 SH   DFND 7 0 3,853 0
HOME DEPOT COM 437076102 82 300 SH   DFND 01,06 0 300 0
HOME DEPOT COM 437076102 26 95 SH   DFND 6 0 95 0
HOME DEPOT COM 437076102 311 1,135 SH   DFND 12 0 1,135 0
HOME DEPOT COM 437076102 26 95 SH   DFND 5 0 95 0
HONEYWELL INTL COM 438516106 243 1,397 SH   SOLE   1,397 0 0
HONEYWELL INTL COM 438516106 488 2,810 SH   DFND 7 0 2,810 0
HONEYWELL INTL COM 438516106 39 225 SH   DFND 01,06 0 225 0
HONEYWELL INTL COM 438516106 26 150 SH   DFND 12 0 150 0
HONEYWELL INTL COM 438516106 4 25 SH   DFND 6 0 25 0
HONEYWELL INTL COM 438516106 87 500 SH   DFND 1 0 500 0
ILLINOIS TOOL WORKS COM 452308109 173 950 SH   SOLE   950 0 0
ILLINOIS TOOL WORKS COM 452308109 87 475 SH   DFND 12 0 475 0
ILLUMINA COM 452327109 336 1,821 SH   SOLE   1,821 0 0
ILLUMINA COM 452327109 454 2,462 SH   DFND 7 0 2,462 0
ILLUMINA COM 452327109 32 175 SH   DFND 01,06 0 175 0
ILLUMINA COM 452327109 7 40 SH   DFND 6 0 40 0
ILLUMINA COM 452327109 122 661 SH   DFND 12 0 661 0
ILLUMINA COM 452327109 9 50 SH   DFND 5 0 50 0
ILLUMINA COM 452327109 46 250 SH   DFND 1 0 250 0
INTEL CORP COM 458140100 133 3,550 SH   SOLE   3,550 0 0
INTEL CORP COM 458140100 94 2,500 SH   DFND 7 0 2,500 0
ISHARES RUSSELL 3000 COM 464287689 479 2,205 SH   SOLE   2,205 0 0
JOHNSON & JOHNSON COM 478160104 1,364 7,686 SH   SOLE   7,686 0 0
JOHNSON & JOHNSON COM 478160104 1,341 7,557 SH   DFND 7 0 7,557 0
JOHNSON & JOHNSON COM 478160104 115 650 SH   DFND 01,06 0 650 0
JOHNSON & JOHNSON COM 478160104 35 195 SH   DFND 6 0 195 0
JOHNSON & JOHNSON COM 478160104 563 3,170 SH   DFND 12 0 3,170 0
JOHNSON & JOHNSON COM 478160104 45 255 SH   DFND 5 0 255 0
JOHNSON & JOHNSON COM 478160104 213 1,200 SH   DFND 1 0 1,200 0
JPMORGAN CHASE COM 46625H100 103 918 SH   SOLE   918 0 0
JPMORGAN CHASE COM 46625H100 317 2,815 SH   DFND 7 0 2,815 0
KONINKLIJKE DSM NV COM 780249108 583 16,224 SH   SOLE   16,224 0 0
KONINKLIJKE DSM NV COM 780249108 604 16,815 SH   DFND 7 0 16,815 0
KONINKLIJKE DSM NV COM 780249108 37 1,030 SH   DFND 01,06 0 1,030 0
KONINKLIJKE DSM NV COM 780249108 19 525 SH   DFND 6 0 525 0
KONINKLIJKE DSM NV COM 780249108 233 6,475 SH   DFND 12 0 6,475 0
KONINKLIJKE DSM NV COM 780249108 9 250 SH   DFND 5 0 250 0
KONINKLIJKE DSM NV COM 780249108 75 2,100 SH   DFND 1 0 2,100 0
MARSH & MCLENNAN COM 571748102 210 1,355 SH   DFND 7 0 1,355 0
MASTERCARD COM 57636Q104 1,197 3,794 SH   SOLE   3,794 0 0
MASTERCARD COM 57636Q104 1,470 4,659 SH   DFND 7 0 4,659 0
MASTERCARD COM 57636Q104 88 280 SH   DFND 01,06 0 280 0
MASTERCARD COM 57636Q104 32 100 SH   DFND 6 0 100 0
MASTERCARD COM 57636Q104 462 1,465 SH   DFND 12 0 1,465 0
MASTERCARD COM 57636Q104 43 135 SH   DFND 5 0 135 0
MASTERCARD COM 57636Q104 95 300 SH   DFND 1 0 300 0
MEDTRONIC COM G5960L103 326 3,630 SH   SOLE   3,630 0 0
MEDTRONIC COM G5960L103 105 1,173 SH   DFND 7 0 1,173 0
MEDTRONIC COM G5960L103 31 350 SH   DFND 01,06 0 350 0
MEDTRONIC COM G5960L103 74 825 SH   DFND 12 0 825 0
MEDTRONIC COM G5960L103 13 145 SH   DFND 5 0 145 0
MEDTRONIC COM G5960L103 2 20 SH   DFND 6 0 20 0
MEDTRONIC COM G5960L103 81 900 SH   DFND 1 0 900 0
MERCK COM 58933Y105 65 715 SH   SOLE   715 0 0
MERCK COM 58933Y105 100 1,100 SH   DFND 12 0 1,100 0
MERCK COM 58933Y105 178 1,950 SH   DFND 7 0 1,950 0
MICROSOFT CORP COM 594918104 1,223 4,763 SH   SOLE   4,763 0 0
MICROSOFT CORP COM 594918104 1,506 5,863 SH   DFND 7 0 5,863 0
MICROSOFT CORP COM 594918104 90 350 SH   DFND 01,06 0 350 0
MICROSOFT CORP COM 594918104 33 130 SH   DFND 6 0 130 0
MICROSOFT CORP COM 594918104 547 2,130 SH   DFND 12 0 2,130 0
MICROSOFT CORP COM 594918104 49 190 SH   DFND 5 0 190 0
MICROSOFT CORP COM 594918104 251 979 SH   DFND 1 0 979 0
NESTLE SA ADR COM 641069406 1,070 9,196 SH   SOLE   9,196 0 0
NESTLE SA ADR COM 641069406 1,175 10,093 SH   DFND 7 0 10,093 0
NESTLE SA ADR COM 641069406 111 950 SH   DFND 01,06 0 950 0
NESTLE SA ADR COM 641069406 34 295 SH   DFND 6 0 295 0
NESTLE SA ADR COM 641069406 490 4,214 SH   DFND 12 0 4,214 0
NESTLE SA ADR COM 641069406 67 575 SH   DFND 5 0 575 0
NESTLE SA ADR COM 641069406 186 1,600 SH   DFND 1 0 1,600 0
NIKE INC CLASS B COM 654106103 526 5,147 SH   SOLE   5,147 0 0
NIKE INC CLASS B COM 654106103 605 5,919 SH   DFND 7 0 5,919 0
NIKE INC CLASS B COM 654106103 33 325 SH   DFND 01,06 0 325 0
NIKE INC CLASS B COM 654106103 14 140 SH   DFND 6 0 140 0
NIKE INC CLASS B COM 654106103 205 2,005 SH   DFND 12 0 2,005 0
NIKE INC CLASS B COM 654106103 8 75 SH   DFND 5 0 75 0
NIKE INC CLASS B COM 654106103 112 1,100 SH   DFND 1 0 1,100 0
NOVARTIS AG ADR COM 66987V109 715 8,454 SH   SOLE   8,454 0 0
NOVARTIS AG ADR COM 66987V109 818 9,672 SH   DFND 7 0 9,672 0
NOVARTIS AG ADR COM 66987V109 68 800 SH   DFND 01,06 0 800 0
NOVARTIS AG ADR COM 66987V109 29 345 SH   DFND 6 0 345 0
NOVARTIS AG ADR COM 66987V109 291 3,440 SH   DFND 12 0 3,440 0
NOVARTIS AG ADR COM 66987V109 63 750 SH   DFND 1 0 750 0
NVIDIA CORP COM 67066G104 307 2,024 SH   SOLE   2,024 0 0
NVIDIA CORP COM 67066G104 540 3,561 SH   DFND 7 0 3,561 0
NVIDIA CORP COM 67066G104 23 150 SH   DFND 01,06 0 150 0
NVIDIA CORP COM 67066G104 68 450 SH   DFND 12 0 450 0
NVIDIA CORP COM 67066G104 3 20 SH   DFND 5 0 20 0
NVIDIA CORP COM 67066G104 2 10 SH   DFND 6 0 10 0
NVIDIA CORP COM 67066G104 133 880 SH   DFND 1 0 880 0
ORSTED A S COM BYT16L900 162 1,550 SH   SOLE   1,550 0 0
ORSTED A S COM BYT16L900 181 1,735 SH   DFND 12 0 1,735 0
ORSTED A S COM BYT16L900 104 1,000 SH   DFND 7 0 1,000 0
PAYPAL HOLDINGS COM 70450Y103 318 4,553 SH   SOLE   4,553 0 0
PAYPAL HOLDINGS COM 70450Y103 373 5,341 SH   DFND 7 0 5,341 0
PAYPAL HOLDINGS COM 70450Y103 30 425 SH   DFND 01,06 0 425 0
PAYPAL HOLDINGS COM 70450Y103 8 120 SH   DFND 6 0 120 0
PAYPAL HOLDINGS COM 70450Y103 129 1,840 SH   DFND 12 0 1,840 0
PAYPAL HOLDINGS COM 70450Y103 6 85 SH   DFND 5 0 85 0
PAYPAL HOLDINGS COM 70450Y103 59 850 SH   DFND 1 0 850 0
PEPSICO COM 713448108 287 1,725 SH   SOLE   1,725 0 0
PEPSICO COM 713448108 112 675 SH   DFND 12 0 675 0
PROCTER & GAMBLE COM 742718109 1,300 9,038 SH   SOLE   9,038 0 0
PROCTER & GAMBLE COM 742718109 1,225 8,520 SH   DFND 7 0 8,520 0
PROCTER & GAMBLE COM 742718109 126 875 SH   DFND 01,06 0 875 0
PROCTER & GAMBLE COM 742718109 37 255 SH   DFND 6 0 255 0
PROCTER & GAMBLE COM 742718109 556 3,865 SH   DFND 12 0 3,865 0
PROCTER & GAMBLE COM 742718109 72 500 SH   DFND 5 0 500 0
PROCTER & GAMBLE COM 742718109 187 1,300 SH   DFND 1 0 1,300 0
RAYTHEON TECHNOLOGIES COM 75513E101 615 6,401 SH   SOLE   6,401 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 1,138 11,845 SH   DFND 7 0 11,845 0
RAYTHEON TECHNOLOGIES COM 75513E101 82 850 SH   DFND 01,06 0 850 0
RAYTHEON TECHNOLOGIES COM 75513E101 38 400 SH   DFND 6 0 400 0
RAYTHEON TECHNOLOGIES COM 75513E101 426 4,430 SH   DFND 12 0 4,430 0
RAYTHEON TECHNOLOGIES COM 75513E101 53 550 SH   DFND 5 0 550 0
RAYTHEON TECHNOLOGIES COM 75513E101 163 1,700 SH   DFND 1 0 1,700 0
ROCKWELL AUTOMATION COM 773903109 764 3,834 SH   SOLE   3,834 0 0
ROCKWELL AUTOMATION COM 773903109 773 3,880 SH   DFND 7 0 3,880 0
ROCKWELL AUTOMATION COM 773903109 40 200 SH   DFND 01,06 0 200 0
ROCKWELL AUTOMATION COM 773903109 25 125 SH   DFND 6 0 125 0
ROCKWELL AUTOMATION COM 773903109 271 1,360 SH   DFND 12 0 1,360 0
ROCKWELL AUTOMATION COM 773903109 35 175 SH   DFND 5 0 175 0
ROCKWELL AUTOMATION COM 773903109 159 800 SH   DFND 1 0 800 0
THERMO FISHER SCIENTIFIC COM 883556102 28 51 SH   SOLE   51 0 0
THERMO FISHER SCIENTIFIC COM 883556102 27 50 SH   DFND 7 0 50 0
THERMO FISHER SCIENTIFIC COM 883556102 217 400 SH   DFND 1 0 400 0
TJX COS COM 872540109 596 10,674 SH   SOLE   10,674 0 0
TJX COS COM 872540109 751 13,440 SH   DFND 7 0 13,440 0
TJX COS COM 872540109 39 700 SH   DFND 01,06 0 700 0
TJX COS COM 872540109 18 330 SH   DFND 6 0 330 0
TJX COS COM 872540109 266 4,770 SH   DFND 12 0 4,770 0
TJX COS COM 872540109 24 425 SH   DFND 5 0 425 0
TJX COS COM 872540109 95 1,700 SH   DFND 1 0 1,700 0
UNILEVER PLC NEW ADR COM 904767704 507 11,069 SH   SOLE   11,069 0 0
UNILEVER PLC NEW ADR COM 904767704 559 12,200 SH   DFND 7 0 12,200 0
UNILEVER PLC NEW ADR COM 904767704 26 575 SH   DFND 6 0 575 0
UNILEVER PLC NEW ADR COM 904767704 307 6,695 SH   DFND 12 0 6,695 0
UNILEVER PLC NEW ADR COM 904767704 21 450 SH   DFND 5 0 450 0
UNION PACIFIC COM 907818108 69 322 SH   SOLE   322 0 0
UNION PACIFIC COM 907818108 75 350 SH   DFND 01,06 0 350 0
UNION PACIFIC COM 907818108 267 1,250 SH   DFND 12 0 1,250 0
UNITED HEALTH GROUP COM 91324P102 873 1,699 SH   SOLE   1,699 0 0
UNITED HEALTH GROUP COM 91324P102 1,267 2,467 SH   DFND 7 0 2,467 0
UNITED HEALTH GROUP COM 91324P102 56 110 SH   DFND 01,06 0 110 0
UNITED HEALTH GROUP COM 91324P102 21 40 SH   DFND 6 0 40 0
UNITED HEALTH GROUP COM 91324P102 408 795 SH   DFND 12 0 795 0
UNITED HEALTH GROUP COM 91324P102 56 110 SH   DFND 5 0 110 0
UNITED HEALTH GROUP COM 91324P102 180 350 SH   DFND 1 0 350 0
VANGUARD DIVIDEND APPRECIATION COM 921908844 939 6,548 SH   SOLE   6,548 0 0
WASTE MANAGEMENT INC COM 94106L109 187 1,225 SH   SOLE   1,225 0 0
WASTE MANAGEMENT INC COM 94106L109 520 3,400 SH   DFND 7 0 3,400 0
XYLEM INC COM 98419M100 555 7,093 SH   SOLE   7,093 0 0
XYLEM INC COM 98419M100 675 8,637 SH   DFND 7 0 8,637 0
XYLEM INC COM 98419M100 16 200 SH   DFND 6 0 200 0
XYLEM INC COM 98419M100 203 2,600 SH   DFND 12 0 2,600 0
XYLEM INC COM 98419M100 20 250 SH   DFND 5 0 250 0
XYLEM INC COM 98419M100 117 1,500 SH   DFND 1 0 1,500 0
AB TRUST AB DISCOVERY VALUE FU Equity Mutual Fu 018914408 737 35,346 SH   SOLE   35,346 0 0
ABERDEEN EMERG MKTS INSTL Equity Mutual Fu 003021714 308 23,411 SH   DFND 7 0 23,411 0
ARTISAN INTERNATIONAL SMALLMID Equity Mutual Fu 04314H576 1,056 69,766 SH   SOLE   69,766 0 0
FIDELITY TOTAL MARKET INDEX FU Equity Mutual Fu 315911693 399 3,800 SH   DFND 5 0 3,800 0
OAKMARK INTL FD Equity Mutual Fu 413838202 991 43,791 SH   DFND 7 0 43,791 0
ROBECO BOSTON PARTNERS LONG SH Equity Mutual Fu 74925K581 206 12,962 SH   DFND 7 0 12,962 0
T ROWE PRICE INST LARGE-CAP GR Equity Mutual Fu 45775L408 1,301 26,458 SH   SOLE   26,458 0 0
VANGUARD DIVIDEND GROWTH Equity Mutual Fu 921908604 2,446 72,308 SH   SOLE   72,308 0 0
VANGUARD DIVIDEND GROWTH Equity Mutual Fu 921908604 169 4,990 SH   DFND 1 0 4,990 0
VANGUARD PACIFIC STOCK INDEX F Equity Mutual Fu 922042700 211 2,701 SH   SOLE   2,701 0 0
VANGUARD SMALL CAP INDEX FD AD Equity Mutual Fu 922908686 244 2,889 SH   SOLE   2,889 0 0
VANGUARD STAR FD Equity Mutual Fu 921909107 1,458 56,436 SH   SOLE   56,436 0 0
VANGUARD TOTAL STOCK MARKET IN Equity Mutual Fu 922908728 275 2,998 SH   SOLE   2,998 0 0
WALTHAUSEN FOCUSED SMALL CAP V Equity Mutual Fu 933310203 454 42,832 SH   DFND 7 0 42,832 0
WCM FOCUSED INTERNATIONAL GROW Equity Mutual Fu 461418444 678 35,882 SH   SOLE   35,882 0 0