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
3M CO COM 88579Y101 268 1,350 SH   DFND   350 0 1,000
3M CO COM 88579Y101 379 1,908 SH   SOLE   1,908 0 0
ABBOTT LABS COM 002824100 235 2,026 SH   DFND   2,026 0 0
ABBOTT LABS COM 002824100 370 3,188 SH   SOLE   3,188 0 0
ABBVIE INC COM 00287Y109 100 886 SH   DFND   886 0 0
ABBVIE INC COM 00287Y109 114 1,016 SH   SOLE   1,016 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 29 50 SH   DFND   50 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,322 2,257 SH   SOLE   2,257 0 0
ADVANCED MICRO DEVICES INC COM 007903107 21 225 SH   DFND   225 0 0
ADVANCED MICRO DEVICES INC COM 007903107 523 5,563 SH   SOLE   5,563 0 0
AIR PRODS & CHEMS INC COM 009158106 1,546 5,374 SH   SOLE   5,374 0 0
AIR PRODS & CHEMS INC COM 009158106 35 120 SH   DFND   120 0 0
ALLSTATE CORP COM 020002101 892 6,841 SH   SOLE   6,841 0 0
ALLSTATE CORP COM 020002101 16 125 SH   DFND   125 0 0
ALPHABET INC CAP STK CL A 02079K305 3,450 1,413 SH   SOLE   1,413 0 0
ALPHABET INC CAP STK CL A 02079K305 200 82 SH   DFND   82 0 0
AMAZON COM INC COM 023135106 86 25 SH   DFND   25 0 0
AMAZON COM INC COM 023135106 2,952 858 SH   SOLE   858 0 0
AMERICAN EXPRESS CO COM 025816109 7 41 SH   DFND   41 0 0
AMERICAN EXPRESS CO COM 025816109 360 2,180 SH   SOLE   2,180 0 0
AMERICAN TOWER CORP NEW COM 03027X100 256 949 SH   SOLE   949 0 0
AMGEN INC COM 031162100 488 2,002 SH   SOLE   2,002 0 0
APPLE INC COM 037833100 7,996 58,385 SH   SOLE   58,385 0 0
APPLE INC COM 037833100 599 4,377 SH   DFND   4,377 0 0
AT&T INC COM 00206R102 236 8,203 SH   SOLE   7,184 0 1,019
AUTODESK INC COM 052769106 1,161 3,979 SH   SOLE   3,979 0 0
AUTODESK INC COM 052769106 57 194 SH   DFND   194 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 284 1,428 SH   SOLE   1,428 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 169 850 SH   DFND   850 0 0
BADGER METER INC COM 056525108 600 6,116 SH   SOLE   6,116 0 0
BAXTER INTL INC COM 071813109 244 3,033 SH   SOLE   3,033 0 0
BAXTER INTL INC COM 071813109 4 50 SH   DFND   50 0 0
BECTON DICKINSON & CO COM 075887109 24 100 SH   DFND   100 0 0
BECTON DICKINSON & CO COM 075887109 518 2,129 SH   SOLE   2,129 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 39 140 SH   DFND   140 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 629 2,263 SH   SOLE   2,263 0 0
BK OF AMERICA CORP COM 060505104 2,277 55,237 SH   SOLE   55,237 0 0
BK OF AMERICA CORP COM 060505104 98 2,371 SH   DFND   2,371 0 0
BLACKROCK INC COM 09247X101 101 116 SH   DFND   116 0 0
BLACKROCK INC COM 09247X101 2,354 2,690 SH   SOLE   2,690 0 0
BOEING CO COM 097023105 6 26 SH   DFND   26 0 0
BOEING CO COM 097023105 552 2,305 SH   SOLE   2,305 0 0
BOOKING HOLDINGS INC COM 09857L108 22 10 SH   DFND   10 0 0
BOOKING HOLDINGS INC COM 09857L108 821 375 SH   SOLE   375 0 0
CANADIAN PAC RY LTD COM 13645T100 346 4,500 SH   SOLE   4,500 0 0
CAPITAL ONE FINL CORP COM 14040H105 470 3,036 SH   SOLE   3,036 0 0
CARMAX INC COM 143130102 222 1,719 SH   SOLE   1,719 0 0
CARMAX INC COM 143130102 6 47 SH   DFND   47 0 0
CATERPILLAR INC COM 149123101 55 251 SH   DFND   251 0 0
CATERPILLAR INC COM 149123101 1,701 7,816 SH   SOLE   7,816 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 1,304 1,808 SH   SOLE   1,808 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 43 60 SH   DFND   60 0 0
CHEVRON CORP NEW COM 166764100 1,764 16,840 SH   SOLE   16,840 0 0
CHEVRON CORP NEW COM 166764100 163 1,557 SH   DFND   357 0 1,200
CHIPOTLE MEXICAN GRILL INC COM 169656105 446 288 SH   SOLE   288 0 0
CITIGROUP INC COM NEW 172967424 32 454 SH   DFND   454 0 0
CITIGROUP INC COM NEW 172967424 1,477 20,882 SH   SOLE   20,882 0 0
COLGATE PALMOLIVE CO COM 194162103 244 3,000 SH   DFND   0 0 3,000
CONOCOPHILLIPS COM 20825C104 10 160 SH   DFND   160 0 0
CONOCOPHILLIPS COM 20825C104 928 15,246 SH   SOLE   15,246 0 0
CONSTELLATION BRANDS INC CL A 21036P108 6 26 SH   DFND   26 0 0
CONSTELLATION BRANDS INC CL A 21036P108 214 917 SH   SOLE   917 0 0
COSTCO WHSL CORP NEW COM 22160K105 34 85 SH   DFND   85 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,208 3,052 SH   SOLE   3,052 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 24 125 SH   DFND   125 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 557 2,855 SH   SOLE   2,855 0 0
CUMMINS INC COM 231021106 869 3,565 SH   SOLE   3,565 0 0
CUMMINS INC COM 231021106 24 100 SH   DFND   100 0 0
DANAHER CORPORATION COM 235851102 110 409 SH   SOLE   409 0 0
DANAHER CORPORATION COM 235851102 178 665 SH   DFND   665 0 0
DATADOG INC CL A COM 23804L103 539 5,182 SH   SOLE   5,182 0 0
DATADOG INC CL A COM 23804L103 23 225 SH   DFND   225 0 0
DEERE & CO COM 244199105 2,018 5,721 SH   SOLE   5,721 0 0
DEERE & CO COM 244199105 47 132 SH   DFND   132 0 0
DISNEY WALT CO COM 254687106 825 4,691 SH   SOLE   4,691 0 0
DISNEY WALT CO COM 254687106 77 440 SH   DFND   440 0 0
DOW INC COM 260557103 16 257 SH   DFND   257 0 0
DOW INC COM 260557103 714 11,278 SH   SOLE   11,278 0 0
EATON CORP PLC SHS G29183103 282 1,905 SH   SOLE   1,905 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,616 15,603 SH   SOLE   15,603 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 54 525 SH   DFND   525 0 0
EXXON MOBIL CORP COM 30231G102 377 5,974 SH   DFND   374 0 5,600
EXXON MOBIL CORP COM 30231G102 212 3,360 SH   SOLE   3,360 0 0
FACEBOOK INC CL A 30303M102 1,356 3,900 SH   SOLE   3,900 0 0
FACEBOOK INC CL A 30303M102 52 150 SH   DFND   150 0 0
FEDEX CORP COM 31428X106 32 107 SH   DFND   107 0 0
FEDEX CORP COM 31428X106 1,112 3,726 SH   SOLE   3,726 0 0
FISERV INC COM 337738108 165 1,547 SH   SOLE   1,547 0 0
FISERV INC COM 337738108 54 505 SH   DFND   505 0 0
FLEXSHARES TR HIG YLD VL ETF 33939L662 208 4,149 SH   SOLE   4,149 0 0
GENERAL MLS INC COM 370334104 2,910 47,757 SH   DFND   0 0 47,757
GENERAL MLS INC COM 370334104 121 1,979 SH   SOLE   1,979 0 0
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479 349 6,360 SH   SOLE   6,360 0 0
HCA HEALTHCARE INC COM 40412C101 1,012 4,897 SH   SOLE   4,897 0 0
HCA HEALTHCARE INC COM 40412C101 39 190 SH   DFND   190 0 0
HOME DEPOT INC COM 437076102 1,254 3,932 SH   SOLE   3,932 0 0
HOME DEPOT INC COM 437076102 41 128 SH   DFND   128 0 0
INTEL CORP COM 458140100 139 2,480 SH   DFND   2,480 0 0
INTEL CORP COM 458140100 342 6,090 SH   SOLE   6,090 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 260 1,771 SH   SOLE   1,771 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 7 46 SH   DFND   46 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 816 887 SH   SOLE   887 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 41 45 SH   DFND   45 0 0
ISHARES INC CORE MSCI EMKT 46434G103 194 2,900 SH   DFND   2,900 0 0
ISHARES INC CORE MSCI EMKT 46434G103 447 6,670 SH   SOLE   6,670 0 0
ISHARES TR MSCI KLD400 SOC 464288570 3,087 37,271 SH   SOLE   37,271 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,421 20,655 SH   SOLE   20,655 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 477 2,078 SH   SOLE   2,078 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 284 1,789 SH   SOLE   1,789 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 179 2,265 SH   DFND   2,265 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 69 300 SH   DFND   300 0 0
ISHARES TR RUS MID CAP ETF 464287499 685 8,650 SH   SOLE   8,650 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,708 6,299 SH   SOLE   6,299 0 0
ISHARES TR SP SMCP600VL ETF 464287879 205 1,948 SH   SOLE   1,948 0 0
ISHARES TR S&P SML 600 GWT 464287887 207 1,561 SH   SOLE   1,561 0 0
ISHARES TR MSCI EAFE ETF 464287465 568 7,200 SH   DFND   7,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,952 24,744 SH   SOLE   24,744 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,028 9,100 SH   SOLE   9,100 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 678 12,300 SH   SOLE   12,300 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 492 1,814 SH   SOLE   1,814 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 102 1,290 SH   SOLE   1,290 0 0
ISHARES TR CORE MSCI EAFE 46432F842 1,589 21,229 SH   SOLE   21,229 0 0
ISHARES TR CORE US AGGBD ET 464287226 460 3,985 SH   SOLE   3,985 0 0
ISHARES TR TIPS BD ETF 464287176 3,645 28,472 SH   SOLE   28,415 0 57
ISHARES TR TIPS BD ETF 464287176 85 661 SH   DFND   661 0 0
ISHARES TR TIPS BD ETF 464287176 3 27 SH   OTR   27 0 0
ISHARES TR CALIF MUN BD ETF 464288356 454 7,250 SH   DFND   7,250 0 0
ISHARES TR JPMORGAN USD EMG 464288281 118 1,049 SH   DFND   1,049 0 0
ISHARES TR CORE S&P MCP ETF 464287507 519 1,930 SH   SOLE   1,930 0 0
ISHARES TR U.S. TECH ETF 464287721 318 3,200 SH   SOLE   3,200 0 0
ISHARES TR US TREAS BD ETF 46429B267 5,928 222,867 SH   SOLE   222,348 0 519
ISHARES TR JPMORGAN USD EMG 464288281 3 31 SH   OTR   31 0 0
ISHARES TR JPMORGAN USD EMG 464288281 4,304 38,268 SH   SOLE   38,196 0 72
ISHARES TR US TREAS BD ETF 46429B267 7 263 SH   OTR   263 0 0
ISHARES TR US TREAS BD ETF 46429B267 108 4,077 SH   DFND   4,077 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 324 6,451 SH   DFND   6,451 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 12,938 257,912 SH   SOLE   257,475 0 437
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 10 206 SH   OTR   206 0 0
JOHNSON & JOHNSON COM 478160104 359 2,177 SH   DFND   577 0 1,600
JOHNSON & JOHNSON COM 478160104 1,434 8,703 SH   SOLE   8,703 0 0
JOHNSON CTLS INTL PLC SHS G51502105 404 5,892 SH   SOLE   5,892 0 0
JPMORGAN CHASE & CO COM 46625H100 187 1,204 SH   DFND   1,204 0 0
JPMORGAN CHASE & CO COM 46625H100 3,068 19,727 SH   SOLE   19,727 0 0
KANSAS CITY SOUTHERN COM NEW 485170302 283 1,000 SH   SOLE   1,000 0 0
LAM RESEARCH CORP COM 512807108 2,773 4,262 SH   SOLE   4,262 0 0
LAM RESEARCH CORP COM 512807108 87 134 SH   DFND   134 0 0
LAUDER ESTEE COS INC CL A 518439104 1,355 4,259 SH   SOLE   4,259 0 0
LAUDER ESTEE COS INC CL A 518439104 70 219 SH   DFND   219 0 0
LENNAR CORP CL A 526057104 5 50 SH   DFND   50 0 0
LENNAR CORP CL A 526057104 473 4,763 SH   SOLE   4,763 0 0
LILLY ELI & CO COM 532457108 272 1,184 SH   SOLE   1,184 0 0
LOCKHEED MARTIN CORP COM 539830109 12 33 SH   DFND   33 0 0
LOCKHEED MARTIN CORP COM 539830109 832 2,199 SH   SOLE   2,199 0 0
LULULEMON ATHLETICA INC COM 550021109 11 30 SH   DFND   30 0 0
LULULEMON ATHLETICA INC COM 550021109 672 1,842 SH   SOLE   1,842 0 0
MARSH & MCLENNAN COS INC COM 571748102 7 48 SH   DFND   48 0 0
MARSH & MCLENNAN COS INC COM 571748102 207 1,471 SH   SOLE   1,471 0 0
MASTERCARD INCORPORATED CL A 57636Q104 542 1,485 SH   SOLE   1,485 0 0
MASTERCARD INCORPORATED CL A 57636Q104 44 120 SH   DFND   120 0 0
MCDONALDS CORP COM 580135101 38 165 SH   DFND   165 0 0
MCDONALDS CORP COM 580135101 1,342 5,809 SH   SOLE   5,809 0 0
MEDTRONIC PLC SHS G5960L103 329 2,650 SH   SOLE   2,650 0 0
MEDTRONIC PLC SHS G5960L103 6 48 SH   DFND   48 0 0
MERCK & CO INC COM 58933Y105 36 464 SH   DFND   464 0 0
MERCK & CO INC COM 58933Y105 1,323 17,006 SH   SOLE   17,006 0 0
MICROSOFT CORP COM 594918104 7,776 28,706 SH   SOLE   28,706 0 0
MICROSOFT CORP COM 594918104 573 2,117 SH   DFND   2,117 0 0
MONDELEZ INTL INC CL A 609207105 301 4,822 SH   SOLE   4,822 0 0
MONDELEZ INTL INC CL A 609207105 62 1,000 SH   DFND   1,000 0 0
MORGAN STANLEY COM NEW 617446448 30 322 SH   DFND   322 0 0
MORGAN STANLEY COM NEW 617446448 919 10,019 SH   SOLE   10,019 0 0
NETFLIX INC COM 64110L106 29 55 SH   DFND   55 0 0
NETFLIX INC COM 64110L106 729 1,380 SH   SOLE   1,380 0 0
NEXTERA ENERGY INC COM 65339F101 724 9,875 SH   SOLE   9,875 0 0
NEXTERA ENERGY INC COM 65339F101 15 200 SH   DFND   200 0 0
NIKE INC CL B 654106103 46 300 SH   DFND   300 0 0
NIKE INC CL B 654106103 1,737 11,245 SH   SOLE   11,245 0 0
NORFOLK SOUTHN CORP COM 655844108 32 122 SH   DFND   122 0 0
NORFOLK SOUTHN CORP COM 655844108 895 3,373 SH   SOLE   3,373 0 0
NUCOR CORP COM 670346105 830 8,648 SH   SOLE   8,648 0 0
NUCOR CORP COM 670346105 33 342 SH   DFND   342 0 0
NVIDIA CORPORATION COM 67066G104 100 125 SH   DFND   125 0 0
NVIDIA CORPORATION COM 67066G104 2,740 3,424 SH   SOLE   3,424 0 0
ONE GAS INC COM 68235P108 6 82 SH   DFND   82 0 0
ONE GAS INC COM 68235P108 234 3,155 SH   SOLE   3,155 0 0
OUTSET MED INC COM 690145107 3,051 61,050 SH   SOLE   61,050 0 0
PALO ALTO NETWORKS INC COM 697435105 833 2,245 SH   SOLE   2,245 0 0
PALO ALTO NETWORKS INC COM 697435105 20 55 SH   DFND   55 0 0
PARKER-HANNIFIN CORP COM 701094104 62 201 SH   DFND   201 0 0
PARKER-HANNIFIN CORP COM 701094104 2,180 7,097 SH   SOLE   7,097 0 0
PAYPAL HLDGS INC COM 70450Y103 418 1,434 SH   SOLE   1,434 0 0
PEPSICO INC COM 713448108 600 4,050 SH   SOLE   4,050 0 0
PEPSICO INC COM 713448108 333 2,250 SH   DFND   1,250 0 1,000
PFIZER INC COM 717081103 207 5,291 SH   SOLE   5,291 0 0
PFIZER INC COM 717081103 93 2,364 SH   DFND   0 0 2,364
PHILLIPS 66 COM 718546104 17 200 SH   DFND   200 0 0
PHILLIPS 66 COM 718546104 592 6,900 SH   SOLE   6,900 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,339 7,019 SH   SOLE   7,019 0 0
PNC FINL SVCS GROUP INC COM 693475105 35 184 SH   DFND   184 0 0
PPG INDS INC COM 693506107 39 227 SH   DFND   227 0 0
PPG INDS INC COM 693506107 1,587 9,346 SH   SOLE   9,346 0 0
PROCTER AND GAMBLE CO COM 742718109 1,419 10,517 SH   SOLE   10,517 0 0
PROCTER AND GAMBLE CO COM 742718109 451 3,340 SH   DFND   275 0 3,065
PROLOGIS INC. COM 74340W103 562 4,705 SH   SOLE   4,705 0 0
PROLOGIS INC. COM 74340W103 37 311 SH   DFND   311 0 0
PUBLIC STORAGE COM 74460D109 10 34 SH   DFND   34 0 0
PUBLIC STORAGE COM 74460D109 270 899 SH   SOLE   899 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 12 203 SH   DFND   203 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 351 5,875 SH   SOLE   5,875 0 0
QUALCOMM INC COM 747525103 19 135 SH   DFND   135 0 0
QUALCOMM INC COM 747525103 992 6,941 SH   SOLE   6,941 0 0
SALESFORCE COM INC COM 79466L302 49 200 SH   DFND   200 0 0
SALESFORCE COM INC COM 79466L302 1,361 5,573 SH   SOLE   5,573 0 0
SERVICENOW INC COM 81762P102 1,240 2,257 SH   SOLE   2,257 0 0
SERVICENOW INC COM 81762P102 30 55 SH   DFND   55 0 0
SOUTHERN CO COM 842587107 254 4,192 SH   SOLE   4,192 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 492 1,150 SH   SOLE   1,150 0 0
STARBUCKS CORP COM 855244109 1,020 9,124 SH   SOLE   9,124 0 0
STARBUCKS CORP COM 855244109 31 275 SH   DFND   275 0 0
STRYKER CORPORATION COM 863667101 117 450 SH   DFND   450 0 0
STRYKER CORPORATION COM 863667101 1,027 3,954 SH   SOLE   3,954 0 0
TARGET CORP COM 87612E106 33 135 SH   DFND   135 0 0
TARGET CORP COM 87612E106 541 2,237 SH   SOLE   2,237 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 1,303 2,582 SH   SOLE   2,582 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 58 115 SH   DFND   115 0 0
TORO CO COM 891092108 210 1,913 SH   SOLE   1,913 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 255 3,644 SH   SOLE   3,644 0 0
TRUIST FINL CORP COM 89832Q109 6 102 SH   DFND   102 0 0
TRUIST FINL CORP COM 89832Q109 213 3,836 SH   SOLE   3,836 0 0
UNION PAC CORP COM 907818108 546 2,482 SH   SOLE   2,482 0 0
UNION PAC CORP COM 907818108 336 1,527 SH   DFND   27 0 1,500
UNITED RENTALS INC COM 911363109 41 128 SH   DFND   128 0 0
UNITED RENTALS INC COM 911363109 1,522 4,770 SH   SOLE   4,770 0 0
UNITEDHEALTH GROUP INC COM 91324P102 64 160 SH   DFND   160 0 0
UNITEDHEALTH GROUP INC COM 91324P102 1,741 4,348 SH   SOLE   4,348 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 169 750 SH   DFND   750 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 30 125 SH   SOLE   125 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 56 250 SH   SOLE   250 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 552 5,420 SH   SOLE   5,420 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 285 1,200 SH   DFND   1,200 0 0
VEEVA SYS INC CL A COM 922475108 511 1,643 SH   SOLE   1,643 0 0
VEEVA SYS INC CL A COM 922475108 17 55 SH   DFND   55 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 774 13,807 SH   SOLE   13,484 0 323
VERIZON COMMUNICATIONS INC COM 92343V104 22 391 SH   DFND   391 0 0
VISA INC COM CL A 92826C839 47 200 SH   DFND   200 0 0
VISA INC COM CL A 92826C839 1,546 6,614 SH   SOLE   6,614 0 0
ZIONS BANCORPORATION N A COM 989701107 38 720 SH   DFND   720 0 0
ZIONS BANCORPORATION N A COM 989701107 891 16,863 SH   SOLE   16,863 0 0