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 541 5,916 SH   SOLE   5,916 0 0
ABBOTT LABS COM 002824100 269 2,940 SH   DFND 5 0 2,940 0
ABBOTT LABS COM 002824100 91 1,000 SH   DFND 1 0 1,000 0
ABBOTT LABS COM 002824100 146 1,600 SH   DFND 14 0 1,600 0
ALPHABET INC CL A COM 02079K305 608 429 SH   SOLE   429 0 0
ALPHABET INC CL A COM 02079K305 332 234 SH   DFND 5 0 234 0
ALPHABET INC CL A COM 02079K305 72 51 SH   DFND 1 0 51 0
ALPHABET INC CL A COM 02079K305 142 100 SH   DFND 14 0 100 0
AMAZON.COM COM 023135106 668 242 SH   SOLE   242 0 0
AMAZON.COM COM 023135106 350 127 SH   DFND 5 0 127 0
AMAZON.COM COM 023135106 55 20 SH   DFND 1 0 20 0
AMAZON.COM COM 023135106 110 40 SH   DFND 14 0 40 0
AMERICAN TOWER COM 03027X100 201 777 SH   SOLE   777 0 0
AMERICAN TOWER COM 03027X100 110 425 SH   DFND 5 0 425 0
ANALOG DEVICES COM 032654105 534 4,351 SH   SOLE   4,351 0 0
ANALOG DEVICES COM 032654105 215 1,750 SH   DFND 5 0 1,750 0
ANALOG DEVICES COM 032654105 83 680 SH   DFND 1 0 680 0
ANALOG DEVICES COM 032654105 135 1,100 SH   DFND 14 0 1,100 0
ANSYS INC COM 03662Q105 92 316 SH   SOLE   316 0 0
ANSYS INC COM 03662Q105 284 975 SH   DFND 5 0 975 0
ANSYS INC COM 03662Q105 44 150 SH   DFND 1 0 150 0
APPLE INC COM 037833100 821 2,251 SH   SOLE   2,251 0 0
APPLE INC COM 037833100 451 1,235 SH   DFND 5 0 1,235 0
APPLE INC COM 037833100 122 335 SH   DFND 1 0 335 0
APPLE INC COM 037833100 204 560 SH   DFND 14 0 560 0
APTARGROUP COM 038336103 431 3,848 SH   SOLE   3,848 0 0
APTARGROUP COM 038336103 157 1,400 SH   DFND 5 0 1,400 0
APTARGROUP COM 038336103 50 450 SH   DFND 1 0 450 0
APTARGROUP COM 038336103 92 825 SH   DFND 14 0 825 0
AUTOMATIC DATA PROCESSING COM 053015103 444 2,981 SH   SOLE   2,981 0 0
AUTOMATIC DATA PROCESSING COM 053015103 200 1,340 SH   DFND 5 0 1,340 0
AUTOMATIC DATA PROCESSING COM 053015103 56 375 SH   DFND 1 0 375 0
AUTOMATIC DATA PROCESSING COM 053015103 115 775 SH   DFND 14 0 775 0
BECTON DICKINSON COM 075887109 340 1,422 SH   SOLE   1,422 0 0
BECTON DICKINSON COM 075887109 183 765 SH   DFND 5 0 765 0
BECTON DICKINSON COM 075887109 54 225 SH   DFND 1 0 225 0
BECTON DICKINSON COM 075887109 104 435 SH   DFND 14 0 435 0
CANADIAN NATL RAILWAY COM 136375102 493 5,571 SH   SOLE   5,571 0 0
CANADIAN NATL RAILWAY COM 136375102 164 1,850 SH   DFND 5 0 1,850 0
CANADIAN NATL RAILWAY COM 136375102 77 875 SH   DFND 1 0 875 0
CANADIAN NATL RAILWAY COM 136375102 116 1,315 SH   DFND 14 0 1,315 0
CHEVRON COM 166764100 228 2,550 SH   SOLE   2,550 0 0
CHEVRON COM 166764100 154 1,725 SH   DFND 5 0 1,725 0
CHEVRON COM 166764100 4 50 SH   DFND 14 0 50 0
CHUBB LIMITED COM H1467J104 194 1,535 SH   SOLE   1,535 0 0
CHUBB LIMITED COM H1467J104 136 1,075 SH   DFND 5 0 1,075 0
CHUBB LIMITED COM H1467J104 32 250 SH   DFND 1 0 250 0
CHUBB LIMITED COM H1467J104 101 800 SH   DFND 14 0 800 0
CISCO SYS INC COM 17275R102 73 1,562 SH   SOLE   1,562 0 0
CISCO SYS INC COM 17275R102 190 4,075 SH   DFND 5 0 4,075 0
COSTCO WHOLESALE COM 22160K105 68 223 SH   SOLE   223 0 0
COSTCO WHOLESALE COM 22160K105 266 876 SH   DFND 5 0 876 0
COSTCO WHOLESALE COM 22160K105 41 135 SH   DFND 1 0 135 0
COSTCO WHOLESALE COM 22160K105 8 26 SH   DFND 14 0 26 0
CVS HEALTH COM 126650100 223 3,429 SH   SOLE   3,429 0 0
CVS HEALTH COM 126650100 23 350 SH   DFND 1 0 350 0
CVS HEALTH COM 126650100 78 1,200 SH   DFND 14 0 1,200 0
DANAHER CORP COM 235851102 647 3,658 SH   SOLE   3,658 0 0
DANAHER CORP COM 235851102 309 1,750 SH   DFND 5 0 1,750 0
DANAHER CORP COM 235851102 103 585 SH   DFND 1 0 585 0
DANAHER CORP COM 235851102 172 975 SH   DFND 14 0 975 0
DISNEY COM 254687106 331 2,970 SH   SOLE   2,970 0 0
DISNEY COM 254687106 233 2,088 SH   DFND 5 0 2,088 0
DISNEY COM 254687106 46 410 SH   DFND 1 0 410 0
DISNEY COM 254687106 113 1,015 SH   DFND 14 0 1,015 0
EOG RESOURCES COM 26875P101 127 2,500 SH   SOLE   2,500 0 0
EOG RESOURCES COM 26875P101 79 1,555 SH   DFND 5 0 1,555 0
EOG RESOURCES COM 26875P101 8 150 SH   DFND 1 0 150 0
EOG RESOURCES COM 26875P101 5 100 SH   DFND 14 0 100 0
FISERV COM 337738108 512 5,249 SH   SOLE   5,249 0 0
FISERV COM 337738108 210 2,150 SH   DFND 5 0 2,150 0
FISERV COM 337738108 60 610 SH   DFND 1 0 610 0
FISERV COM 337738108 120 1,225 SH   DFND 14 0 1,225 0
HOME DEPOT COM 437076102 360 1,437 SH   SOLE   1,437 0 0
HOME DEPOT COM 437076102 213 850 SH   DFND 5 0 850 0
HOME DEPOT COM 437076102 50 200 SH   DFND 1 0 200 0
HOME DEPOT COM 437076102 138 550 SH   DFND 14 0 550 0
HONEYWELL INTL COM 438516106 256 1,772 SH   DFND 5 0 1,772 0
HONEYWELL INTL COM 438516106 33 225 SH   DFND 1 0 225 0
ILLUMINA COM 452327109 356 962 SH   SOLE   962 0 0
ILLUMINA COM 452327109 185 500 SH   DFND 5 0 500 0
ILLUMINA COM 452327109 56 150 SH   DFND 1 0 150 0
ILLUMINA COM 452327109 107 290 SH   DFND 14 0 290 0
JOHNSON & JOHNSON COM 478160104 464 3,300 SH   SOLE   3,300 0 0
JOHNSON & JOHNSON COM 478160104 214 1,525 SH   DFND 5 0 1,525 0
JOHNSON & JOHNSON COM 478160104 82 580 SH   DFND 1 0 580 0
JOHNSON & JOHNSON COM 478160104 109 775 SH   DFND 14 0 775 0
MASTERCARD COM 57636Q104 682 2,308 SH   SOLE   2,308 0 0
MASTERCARD COM 57636Q104 387 1,308 SH   DFND 5 0 1,308 0
MASTERCARD COM 57636Q104 74 250 SH   DFND 1 0 250 0
MASTERCARD COM 57636Q104 152 515 SH   DFND 14 0 515 0
MICROSOFT CORP COM 594918104 473 2,326 SH   SOLE   2,326 0 0
MICROSOFT CORP COM 594918104 348 1,710 SH   DFND 5 0 1,710 0
MICROSOFT CORP COM 594918104 102 500 SH   DFND 1 0 500 0
MICROSOFT CORP COM 594918104 132 650 SH   DFND 14 0 650 0
NESTLE SA ADR COM 641069406 436 3,945 SH   SOLE   3,945 0 0
NESTLE SA ADR COM 641069406 210 1,900 SH   DFND 5 0 1,900 0
NESTLE SA ADR COM 641069406 88 800 SH   DFND 1 0 800 0
NESTLE SA ADR COM 641069406 121 1,100 SH   DFND 14 0 1,100 0
NEXTERA ENERGY COM 65339F101 199 830 SH   SOLE   830 0 0
NEXTERA ENERGY COM 65339F101 193 802 SH   DFND 5 0 802 0
NIKE INC CLASS B COM 654106103 203 2,070 SH   SOLE   2,070 0 0
NIKE INC CLASS B COM 654106103 67 680 SH   DFND 5 0 680 0
NIKE INC CLASS B COM 654106103 5 50 SH   DFND 1 0 50 0
NIKE INC CLASS B COM 654106103 27 275 SH   DFND 14 0 275 0
NOVARTIS AG ADR COM 66987V109 489 5,595 SH   SOLE   5,595 0 0
NOVARTIS AG ADR COM 66987V109 195 2,235 SH   DFND 5 0 2,235 0
NOVARTIS AG ADR COM 66987V109 61 700 SH   DFND 1 0 700 0
NOVARTIS AG ADR COM 66987V109 111 1,275 SH   DFND 14 0 1,275 0
NOVOZYMES A S DKK 2.0 COM B798FW902 181 3,145 SH   SOLE   3,145 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 29 500 SH   DFND 1 0 500 0
NOVOZYMES A S DKK 2.0 COM B798FW902 81 1,400 SH   DFND 14 0 1,400 0
NVIDIA CORP COM 67066G104 133 350 SH   SOLE   350 0 0
NVIDIA CORP COM 67066G104 122 320 SH   DFND 14 0 320 0
ORSTED A S COM BYT16L900 40 350 SH   SOLE   350 0 0
ORSTED A S COM BYT16L900 52 450 SH   DFND 1 0 450 0
ORSTED A S COM BYT16L900 115 1,000 SH   DFND 14 0 1,000 0
PAYPAL HOLDINGS COM 70450Y103 461 2,645 SH   SOLE   2,645 0 0
PAYPAL HOLDINGS COM 70450Y103 253 1,450 SH   DFND 5 0 1,450 0
PAYPAL HOLDINGS COM 70450Y103 74 425 SH   DFND 1 0 425 0
PAYPAL HOLDINGS COM 70450Y103 152 875 SH   DFND 14 0 875 0
PEPSICO COM 713448108 173 1,310 SH   SOLE   1,310 0 0
PEPSICO COM 713448108 185 1,399 SH   DFND 5 0 1,399 0
PEPSICO COM 713448108 55 415 SH   DFND 1 0 415 0
PROCTER & GAMBLE COM 742718109 445 3,720 SH   SOLE   3,720 0 0
PROCTER & GAMBLE COM 742718109 225 1,878 SH   DFND 5 0 1,878 0
PROCTER & GAMBLE COM 742718109 87 725 SH   DFND 1 0 725 0
PROCTER & GAMBLE COM 742718109 109 915 SH   DFND 14 0 915 0
RAYTHEON TECHNOLOGIES COM 75513E101 302 4,909 SH   SOLE   4,909 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 209 3,395 SH   DFND 5 0 3,395 0
RAYTHEON TECHNOLOGIES COM 75513E101 50 806 SH   DFND 1 0 806 0
RAYTHEON TECHNOLOGIES COM 75513E101 59 960 SH   DFND 14 0 960 0
ROCKWELL AUTOMATION COM 773903109 374 1,755 SH   SOLE   1,755 0 0
ROCKWELL AUTOMATION COM 773903109 261 1,225 SH   DFND 5 0 1,225 0
ROCKWELL AUTOMATION COM 773903109 53 250 SH   DFND 1 0 250 0
ROCKWELL AUTOMATION COM 773903109 154 725 SH   DFND 14 0 725 0
RPM INTERNATIONAL COM 749685103 267 3,553 SH   DFND 5 0 3,553 0
RPM INTERNATIONAL COM 749685103 24 325 SH   DFND 1 0 325 0
STRYKER CORP COM 863667101 180 1,000 SH   DFND 5 0 1,000 0
STRYKER CORP COM 863667101 41 225 SH   DFND 1 0 225 0
TJX COS COM 872540109 118 2,325 SH   SOLE   2,325 0 0
TJX COS COM 872540109 65 1,295 SH   DFND 5 0 1,295 0
TJX COS COM 872540109 5 100 SH   DFND 1 0 100 0
TJX COS COM 872540109 27 540 SH   DFND 14 0 540 0
UNILEVER PLC NEW ADR COM 904767704 405 7,385 SH   SOLE   7,385 0 0
UNILEVER PLC NEW ADR COM 904767704 192 3,500 SH   DFND 5 0 3,500 0
UNILEVER PLC NEW ADR COM 904767704 67 1,225 SH   DFND 1 0 1,225 0
UNILEVER PLC NEW ADR COM 904767704 113 2,050 SH   DFND 14 0 2,050 0
UNITED HEALTH GROUP COM 91324P102 280 950 SH   SOLE   950 0 0
UNITED HEALTH GROUP COM 91324P102 96 325 SH   DFND 5 0 325 0
UNITED HEALTH GROUP COM 91324P102 12 40 SH   DFND 1 0 40 0
UNITED HEALTH GROUP COM 91324P102 53 180 SH   DFND 14 0 180 0
XILINX COM 983919101 394 4,000 SH   SOLE   4,000 0 0
XILINX COM 983919101 202 2,050 SH   DFND 5 0 2,050 0
XILINX COM 983919101 39 400 SH   DFND 1 0 400 0
XILINX COM 983919101 108 1,100 SH   DFND 14 0 1,100 0
XYLEM INC COM 98419M100 258 3,970 SH   SOLE   3,970 0 0
XYLEM INC COM 98419M100 83 1,275 SH   DFND 5 0 1,275 0
XYLEM INC COM 98419M100 31 475 SH   DFND 1 0 475 0
XYLEM INC COM 98419M100 73 1,125 SH   DFND 14 0 1,125 0