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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
iShares MSCI ACWI ETF ETP 464288257   26,227 257,706 SH   DFND   257,706 0 0
Technology Select Sector SPDR Fund ETP 81369Y803   21,854 113,539 SH   DFND   113,539 0 0
Consumer Discretionary Select Sector SPDR Fund ETP 81369Y407   14,983 83,794 SH   DFND   83,794 0 0
Health Care Select Sector SPDR Fund ETP 81369Y209   14,553 106,550 SH   DFND   106,550 0 0
Communication Services Select Sector SPDR Fund ETP 81369Y852   10,663 146,755 SH   DFND   146,755 0 0
Apple Inc Common Stock 037833100   10,002 51,949 SH   DFND   51,949 0 0
Industrial Select Sector SPDR Fund ETP 81369Y704   9,888 86,746 SH   DFND   86,746 0 0
WisdomTree Japan Hedged Equity Fund ETP 97717W851   9,292 105,613 SH   DFND   105,613 0 0
SPDR S&P 500 ETF Trust ETP 78462F103   8,969 18,813 SH   DFND   18,813 0 0
iShares MSCI Emerging Markets ex China ETF ETP 46434G764   8,863 159,951 SH   DFND   159,951 0 0
Vanguard Financials ETF ETP 92204A405   7,726 83,743 SH   DFND   83,743 0 0
Real Estate Select Sector SPDR Fund ETP 81369Y860   6,521 162,787 SH   DFND   162,787 0 0
Vanguard S&P 500 ETF ETP 922908363   6,291 14,403 SH   DFND   14,403 0 0
Microsoft Corp Common Stock 594918104   6,125 16,288 SH   DFND   16,288 0 0
VanEck Morningstar Wide Moat ETF ETP 92189F643   5,542 65,301 SH   DFND   65,301 0 0
Uber Technologies Inc Common Stock 90353T100   5,321 86,429 SH   DFND   86,429 0 0
Energy Select Sector SPDR Fund ETP 81369Y506   5,001 59,644 SH   DFND   59,644 0 0
Consumer Staples Select Sector SPDR Fund ETP 81369Y308   4,789 66,487 SH   DFND   66,487 0 0
Invesco QQQ Trust Series 1 ETP 46090E103   4,357 10,633 SH   DFND   10,633 0 0
iShares Global Energy ETF ETP 464287341   4,252 108,710 SH   DFND   108,710 0 0
Materials Select Sector SPDR Fund ETP 81369Y100   4,069 47,563 SH   DFND   47,563 0 0
iShares Global Financials ETF ETP 464287333   3,932 50,033 SH   DFND   50,033 0 0
iShares Core MSCI Emerging Markets ETF ETP 46434G103   3,737 73,891 SH   DFND   73,891 0 0
Micron Technology Inc Common Stock 595112103   3,671 42,998 SH   DFND   42,998 0 0
Thor Industries Inc Common Stock 885160101   3,569 30,092 SH   DFND   30,092 0 0
NVIDIA Corp Common Stock 67066G104   3,455 6,977 SH   DFND   6,977 0 0
iShares Russell 2000 ETF ETP 464287655   3,426 17,068 SH   DFND   17,068 0 0
Fidelity Nasdaq Composite Index ETF ETP 315912808   3,422 57,760 SH   DFND   57,760 0 0
iShares Core S&P 500 ETF ETP 464287200   3,156 6,608 SH   DFND   6,608 0 0
Mobileye Global Inc Common Stock 60741F104   3,117 71,947 SH   DFND   71,947 0 0
Vanguard High Dividend Yield ETF ETP 921946406   2,995 26,833 SH   DFND   26,833 0 0
Sunrun Inc Common Stock 86771W105   2,529 128,823 SH   DFND   128,823 0 0
VanEck Semiconductor ETF ETP 92189F676   2,281 13,045 SH   DFND   13,045 0 0
First Trust NASDAQ-100 Technology Index Fund ETP 337345102   2,168 12,356 SH   DFND   12,356 0 0
Invesco S&P 500 High Beta ETF ETP 46138E370   2,144 26,021 SH   DFND   26,021 0 0
Vanguard Information Technology ETF ETP 92204A702   2,055 4,246 SH   DFND   4,246 0 0
Amazon.com Inc Common Stock 023135106   2,024 13,320 SH   DFND   13,320 0 0
iShares U.S. Technology ETF ETP 464287721   1,992 16,230 SH   DFND   16,230 0 0
First Trust NASDAQ Technology Dividend Index Fund ETP 33738R118   1,960 30,589 SH   DFND   30,589 0 0
JPMorgan US Quality Factor ETF ETP 46641Q761   1,903 39,764 SH   DFND   39,764 0 0
iShares U.S. Aerospace & Defense ETF ETP 464288760   1,770 13,980 SH   DFND   13,980 0 0
Utilities Select Sector SPDR Fund ETP 81369Y886   1,734 27,387 SH   DFND   27,387 0 0
SPDR S&P Semiconductor ETF ETP 78464A862   1,724 7,670 SH   DFND   7,670 0 0
SPDR Dow Jones Industrial Average ETF Trust ETP 78467X109   1,642 4,357 SH   DFND   4,357 0 0
Alphabet Inc Common Stock 02079K305   1,631 11,675 SH   DFND   11,675 0 0
PayPal Holdings Inc Common Stock 70450Y103   1,621 26,398 SH   DFND   26,398 0 0
US Global Jets ETF ETP 26922A842   1,605 84,336 SH   DFND   84,336 0 0
iShares Global Healthcare ETF ETP 464287325   1,595 18,395 SH   DFND   18,395 0 0
Vanguard S&P 500 Growth ETF ETP 921932505   1,528 5,641 SH   DFND   5,641 0 0
iShares MSCI Global Metals & Mining Producers ETF ETP 46434G848   1,408 32,690 SH   DFND   32,690 0 0
Financial Select Sector SPDR Fund ETP 81369Y605   929 24,703 SH   DFND   24,703 0 0
First Trust Dow Jones Internet Index Fund ETP 33733E302   888 4,758 SH   DFND   4,758 0 0
iShares Expanded Tech Sector ETF ETP 464287549   883 1,971 SH   DFND   1,971 0 0
Bank of America Corp Common Stock 060505104   859 25,503 SH   DFND   25,503 0 0
American Tower Corp REIT 03027X100   832 3,830 SH   DFND   3,830 0 0
SPDR Portfolio S&P 500 Growth ETF ETP 78464A409   789 12,122 SH   DFND   12,122 0 0
Invesco S&P SmallCap 600 Pure Value ETF ETP 46137V167   753 7,023 SH   DFND   7,023 0 0
WisdomTree Europe Hedged Equity Fund ETP 97717X701   695 16,212 SH   DFND   16,212 0 0
SkyWest Inc Common Stock 830879102   692 13,252 SH   DFND   13,252 0 0
Invesco Exchange-Traded Fund Trust - Invesco S&P 500 Pure Value ETF ETP 46137V258   599 7,293 SH   DFND   7,293 0 0
iShares MSCI Taiwan ETF ETP 46434G772   562 12,199 SH   DFND   12,199 0 0
iShares MSCI South Korea ETF ETP 464286772   493 7,521 SH   DFND   7,521 0 0
Alphabet Inc Common Stock 02079K107   426 3,025 SH   DFND   3,025 0 0
Global X Cybersecurity ETF ETP 37954Y384   298 10,169 SH   DFND   10,169 0 0
iShares Expanded Tech-Software Sector ETF ETP 464287515   197 485 SH   DFND   485 0 0
iShares MSCI USA Quality Factor ETF ETP 46432F339   149 1,015 SH   DFND   1,015 0 0
SPDR S&P Homebuilders ETF ETP 78464A888   93 972 SH   DFND   972 0 0
SPDR S&P Aerospace & Defense ETF ETP 78464A631   85 630 SH   DFND   630 0 0
Wisdomtree Emerging Markets EX-State-Owned Enterprises Fund ETP 97717X578   63 2,165 SH   DFND   2,165 0 0
Invesco KBW Bank ETF ETP 46138E628   25 501 SH   DFND   501 0 0
Invesco S&P Emerging Markets Low Volatility ETF ETP 46138E297   24 1,000 SH   DFND   1,000 0 0
India Fund Inc/The Closed-End Fund 454089103   17 900 SH   DFND   900 0 0
Vanguard FTSE Emerging Markets ETF ETP 922042858   12 300 SH   DFND   300 0 0
Udemy Inc Common Stock 902685106   1 70 SH   DFND   70 0 0