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 175 1,350 SH   DFND   350 0 1,000
3M CO COM 88579Y101 246 1,900 SH   SOLE   1,900 0 0
ABBOTT LABS COM 002824100 220 2,026 SH   DFND   2,026 0 0
ABBOTT LABS COM 002824100 433 3,984 SH   SOLE   3,984 0 0
ABBVIE INC COM 00287Y109 614 4,011 SH   SOLE   4,011 0 0
ABBVIE INC COM 00287Y109 136 886 SH   DFND   886 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 15 55 SH   DFND   55 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 758 2,729 SH   SOLE   2,729 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 905 2,471 SH   SOLE   2,471 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 18 50 SH   DFND   50 0 0
AIR PRODS & CHEMS INC COM 009158106 29 120 SH   DFND   120 0 0
AIR PRODS & CHEMS INC COM 009158106 1,366 5,680 SH   SOLE   5,680 0 0
ALLSTATE CORP COM 020002101 16 125 SH   DFND   125 0 0
ALLSTATE CORP COM 020002101 1,161 9,165 SH   SOLE   9,165 0 0
ALPHABET INC CAP STK CL A 02079K305 4,084 1,874 SH   SOLE   1,874 0 0
ALPHABET INC CAP STK CL A 02079K305 187 86 SH   DFND   86 0 0
ALPHABET INC CAP STK CL C 02079K107 315 144 SH   SOLE   144 0 0
AMAZON COM INC COM 023135106 42 400 SH   DFND   400 0 0
AMAZON COM INC COM 023135106 2,264 21,315 SH   SOLE   21,315 0 0
AMERICAN EXPRESS CO COM 025816109 6 41 SH   DFND   41 0 0
AMERICAN EXPRESS CO COM 025816109 312 2,248 SH   SOLE   2,248 0 0
AMERICAN TOWER CORP NEW COM 03027X100 235 921 SH   SOLE   921 0 0
AMGEN INC COM 031162100 646 2,657 SH   SOLE   2,657 0 0
APPLE INC COM 037833100 9,248 67,643 SH   SOLE   67,643 0 0
APPLE INC COM 037833100 571 4,177 SH   DFND   4,177 0 0
AUTODESK INC COM 052769106 24 140 SH   DFND   140 0 0
AUTODESK INC COM 052769106 676 3,932 SH   SOLE   3,932 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 329 1,564 SH   SOLE   1,564 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 150 712 SH   DFND   712 0 0
BADGER METER INC COM 056525108 471 5,823 SH   SOLE   5,823 0 0
BECTON DICKINSON & CO COM 075887109 547 2,220 SH   SOLE   2,220 0 0
BECTON DICKINSON & CO COM 075887109 25 100 SH   DFND   100 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 38 140 SH   DFND   140 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 725 2,654 SH   SOLE   2,654 0 0
BK OF AMERICA CORP COM 060505104 1,772 56,923 SH   SOLE   56,923 0 0
BK OF AMERICA CORP COM 060505104 74 2,371 SH   DFND   2,371 0 0
BLACKROCK INC COM 09247X101 71 116 SH   DFND   116 0 0
BLACKROCK INC COM 09247X101 1,828 3,002 SH   SOLE   3,002 0 0
BOEING CO COM 097023105 4 26 SH   DFND   26 0 0
BOEING CO COM 097023105 372 2,718 SH   SOLE   2,718 0 0
BOOKING HOLDINGS INC COM 09857L108 9 5 SH   DFND   5 0 0
BOOKING HOLDINGS INC COM 09857L108 401 229 SH   SOLE   229 0 0
CANADIAN PAC RY LTD COM 13645T100 516 7,384 SH   SOLE   7,384 0 0
CAPITAL ONE FINL CORP COM 14040H105 202 1,943 SH   SOLE   1,943 0 0
CATERPILLAR INC COM 149123101 45 251 SH   DFND   251 0 0
CATERPILLAR INC COM 149123101 1,273 7,122 SH   SOLE   7,122 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 242 517 SH   SOLE   517 0 0
CHEVRON CORP NEW COM 166764100 225 1,557 SH   DFND   357 0 1,200
CHEVRON CORP NEW COM 166764100 2,660 18,370 SH   SOLE   18,370 0 0
CISCO SYS INC COM 17275R102 102 2,400 SH   DFND   2,400 0 0
CISCO SYS INC COM 17275R102 330 7,741 SH   SOLE   7,741 0 0
CITIGROUP INC COM NEW 172967424 865 18,814 SH   SOLE   18,814 0 0
CITIGROUP INC COM NEW 172967424 30 654 SH   DFND   654 0 0
COLGATE PALMOLIVE CO COM 194162103 240 3,000 SH   DFND   0 0 3,000
COLGATE PALMOLIVE CO COM 194162103 8 100 SH   SOLE   100 0 0
CONOCOPHILLIPS COM 20825C104 1,139 12,680 SH   SOLE   12,680 0 0
CONOCOPHILLIPS COM 20825C104 14 160 SH   DFND   160 0 0
CONSTELLATION BRANDS INC CL A 21036P108 203 869 SH   SOLE   869 0 0
CONSTELLATION BRANDS INC CL A 21036P108 6 26 SH   DFND   26 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,884 3,930 SH   SOLE   3,930 0 0
COSTCO WHSL CORP NEW COM 22160K105 31 65 SH   DFND   65 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 21 125 SH   DFND   125 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 579 3,441 SH   SOLE   3,441 0 0
CUMMINS INC COM 231021106 19 100 SH   DFND   100 0 0
CUMMINS INC COM 231021106 852 4,400 SH   SOLE   4,400 0 0
DANAHER CORPORATION COM 235851102 191 754 SH   SOLE   754 0 0
DANAHER CORPORATION COM 235851102 152 599 SH   DFND   599 0 0
DATADOG INC CL A COM 23804L103 14 150 SH   DFND   150 0 0
DATADOG INC CL A COM 23804L103 724 7,603 SH   SOLE   7,603 0 0
DEERE & CO COM 244199105 1,524 5,090 SH   SOLE   5,090 0 0
DEERE & CO COM 244199105 40 132 SH   DFND   132 0 0
DISNEY WALT CO COM 254687106 893 9,464 SH   SOLE   9,464 0 0
DISNEY WALT CO COM 254687106 59 625 SH   DFND   625 0 0
DOW INC COM 260557103 634 12,287 SH   SOLE   12,287 0 0
DOW INC COM 260557103 13 257 SH   DFND   257 0 0
EATON CORP PLC SHS G29183103 303 2,401 SH   SOLE   2,401 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 1,651 17,365 SH   SOLE   17,365 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 40 425 SH   DFND   425 0 0
EXXON MOBIL CORP COM 30231G102 498 5,814 SH   DFND   214 0 5,600
EXXON MOBIL CORP COM 30231G102 289 3,371 SH   SOLE   3,371 0 0
FEDEX CORP COM 31428X106 24 107 SH   DFND   107 0 0
FEDEX CORP COM 31428X106 927 4,087 SH   SOLE   4,087 0 0
GENERAL MLS INC COM 370334104 149 1,969 SH   SOLE   1,969 0 0
GENERAL MLS INC COM 370334104 3,592 47,607 SH   DFND   0 0 47,607
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479 293 6,360 SH   SOLE   6,360 0 0
HCA HEALTHCARE INC COM 40412C101 32 190 SH   DFND   190 0 0
HCA HEALTHCARE INC COM 40412C101 818 4,867 SH   SOLE   4,867 0 0
HOME DEPOT INC COM 437076102 1,581 5,763 SH   SOLE   5,763 0 0
HOME DEPOT INC COM 437076102 34 123 SH   DFND   123 0 0
HONEYWELL INTL INC COM 438516106 394 2,264 SH   SOLE   2,264 0 0
INTEL CORP COM 458140100 84 2,255 SH   DFND   2,255 0 0
INTEL CORP COM 458140100 220 5,873 SH   SOLE   5,873 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 6 46 SH   DFND   46 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 232 1,641 SH   SOLE   1,641 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 27 135 SH   DFND   135 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 610 3,041 SH   SOLE   3,041 0 0
ISHARES INC MSCI EMRG CHN 46434G764 125 2,608 SH   DFND   2,608 0 0
ISHARES INC MSCI EMRG CHN 46434G764 1 11 SH   OTR   11 0 0
ISHARES INC CORE MSCI EMKT 46434G103 144 2,929 SH   SOLE   2,929 0 0
ISHARES INC CORE MSCI EMKT 46434G103 142 2,900 SH   DFND   2,900 0 0
ISHARES INC MSCI EMRG CHN 46434G764 5,133 107,483 SH   SOLE   107,421 0 62
ISHARES TR S&P MC 400VL ETF 464287705 210 2,229 SH   SOLE   2,229 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,012 5,307 SH   SOLE   5,307 0 0
ISHARES TR RUS MID CAP ETF 464287499 527 8,150 SH   SOLE   8,150 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 51 300 SH   DFND   300 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,102 6,508 SH   SOLE   6,508 0 0
ISHARES TR S&P SML 600 GWT 464287887 267 2,538 SH   SOLE   2,538 0 0
ISHARES TR MSCI EAFE ETF 464287465 450 7,200 SH   DFND   7,200 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 259 1,789 SH   SOLE   1,789 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 482 2,204 SH   SOLE   2,204 0 0
ISHARES TR NATIONAL MUN ETF 464288414 96 900 SH   DFND   900 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,619 24,627 SH   SOLE   24,627 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,319 21,109 SH   SOLE   21,109 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,411 15,265 SH   SOLE   15,265 0 0
ISHARES TR SP SMCP600VL ETF 464287879 258 2,895 SH   SOLE   2,895 0 0
ISHARES TR MSCI KLD400 SOC 464288570 3,021 42,016 SH   SOLE   42,016 0 0
ISHARES TR US TREAS BD ETF 46429B267 6,056 253,380 SH   SOLE   252,401 0 979
ISHARES TR MSCI EMG MKT ETF 464287234 486 12,130 SH   SOLE   12,130 0 0
ISHARES TR CORE US AGGBD ET 464287226 538 5,289 SH   SOLE   5,289 0 0
ISHARES TR CALIF MUN BD ETF 464288356 263 4,650 SH   DFND   4,650 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,281 38,755 SH   SOLE   38,755 0 0
ISHARES TR CORE S&P MCP ETF 464287507 403 1,780 SH   SOLE   1,780 0 0
ISHARES TR SELECT DIVID ETF 464287168 294 2,500 SH   SOLE   2,500 0 0
ISHARES TR US TREAS BD ETF 46429B267 7 301 SH   OTR   301 0 0
ISHARES TR US TREAS BD ETF 46429B267 107 4,486 SH   DFND   4,486 0 0
ISHARES TR U.S. TECH ETF 464287721 256 3,200 SH   SOLE   3,200 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 1,046 14,895 SH   SOLE   14,895 0 0
ISHARES TR JPMORGAN USD EMG 464288281 3 31 SH   OTR   31 0 0
ISHARES TR JPMORGAN USD EMG 464288281 3,428 40,173 SH   SOLE   40,054 0 119
ISHARES TR JPMORGAN USD EMG 464288281 93 1,092 SH   DFND   1,092 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 24,405 495,431 SH   SOLE   494,663 0 768
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 12 236 SH   OTR   236 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 388 7,873 SH   DFND   7,873 0 0
JOHNSON & JOHNSON COM 478160104 2,431 13,694 SH   SOLE   13,694 0 0
JOHNSON & JOHNSON COM 478160104 395 2,227 SH   DFND   627 0 1,600
JOHNSON CTLS INTL PLC SHS G51502105 279 5,832 SH   SOLE   5,832 0 0
JPMORGAN CHASE & CO COM 46625H100 136 1,204 SH   DFND   1,204 0 0
JPMORGAN CHASE & CO COM 46625H100 2,526 22,428 SH   SOLE   22,428 0 0
KIMBERLY-CLARK CORP COM 494368103 210 1,555 SH   SOLE   1,555 0 0
LAM RESEARCH CORP COM 512807108 2,232 5,238 SH   SOLE   5,238 0 0
LAM RESEARCH CORP COM 512807108 57 134 SH   DFND   134 0 0
LAUDER ESTEE COS INC CL A 518439104 892 3,503 SH   SOLE   3,503 0 0
LAUDER ESTEE COS INC CL A 518439104 56 219 SH   DFND   219 0 0
LENNAR CORP CL A 526057104 4 50 SH   DFND   50 0 0
LENNAR CORP CL A 526057104 221 3,133 SH   SOLE   3,133 0 0
LILLY ELI & CO COM 532457108 352 1,086 SH   SOLE   1,086 0 0
LOCKHEED MARTIN CORP COM 539830109 14 33 SH   DFND   33 0 0
LOCKHEED MARTIN CORP COM 539830109 1,182 2,750 SH   SOLE   2,750 0 0
LULULEMON ATHLETICA INC COM 550021109 8 30 SH   DFND   30 0 0
LULULEMON ATHLETICA INC COM 550021109 503 1,844 SH   SOLE   1,844 0 0
M & T BK CORP COM 55261F104 13 80 SH   DFND   80 0 0
M & T BK CORP COM 55261F104 253 1,586 SH   SOLE   1,586 0 0
MARSH & MCLENNAN COS INC COM 571748102 213 1,375 SH   SOLE   1,375 0 0
MARSH & MCLENNAN COS INC COM 571748102 7 48 SH   DFND   48 0 0
MCDONALDS CORP COM 580135101 41 165 SH   DFND   165 0 0
MCDONALDS CORP COM 580135101 1,922 7,784 SH   SOLE   7,784 0 0
MEDTRONIC PLC SHS G5960L103 213 2,374 SH   SOLE   2,374 0 0
MERCK & CO INC COM 58933Y105 42 464 SH   DFND   464 0 0
MERCK & CO INC COM 58933Y105 1,613 17,694 SH   SOLE   17,694 0 0
META PLATFORMS INC CL A 30303M102 623 3,864 SH   SOLE   3,864 0 0
META PLATFORMS INC CL A 30303M102 19 115 SH   DFND   115 0 0
MICROSOFT CORP COM 594918104 501 1,952 SH   DFND   1,952 0 0
MICROSOFT CORP COM 594918104 8,631 33,605 SH   SOLE   33,605 0 0
MONDELEZ INTL INC CL A 609207105 406 6,541 SH   SOLE   6,541 0 0
MONDELEZ INTL INC CL A 609207105 62 1,000 SH   DFND   1,000 0 0
MORGAN STANLEY COM NEW 617446448 38 497 SH   DFND   497 0 0
MORGAN STANLEY COM NEW 617446448 973 12,796 SH   SOLE   12,796 0 0
NETFLIX INC COM 64110L106 10 55 SH   DFND   55 0 0
NETFLIX INC COM 64110L106 242 1,384 SH   SOLE   1,384 0 0
NEXTERA ENERGY INC COM 65339F101 15 200 SH   DFND   200 0 0
NEXTERA ENERGY INC COM 65339F101 942 12,164 SH   SOLE   12,164 0 0
NIKE INC CL B 654106103 26 250 SH   DFND   250 0 0
NIKE INC CL B 654106103 1,647 16,116 SH   SOLE   16,116 0 0
NORFOLK SOUTHN CORP COM 655844108 28 122 SH   DFND   122 0 0
NORFOLK SOUTHN CORP COM 655844108 908 3,994 SH   SOLE   3,994 0 0
NUCOR CORP COM 670346105 246 2,354 SH   SOLE   2,354 0 0
NUCOR CORP COM 670346105 10 92 SH   DFND   92 0 0
NVIDIA CORPORATION COM 67066G104 43 285 SH   DFND   285 0 0
NVIDIA CORPORATION COM 67066G104 2,067 13,638 SH   SOLE   13,638 0 0
OUTSET MED INC COM 690145107 586 39,458 SH   SOLE   39,458 0 0
PALO ALTO NETWORKS INC COM 697435105 1,215 2,459 SH   SOLE   2,459 0 0
PALO ALTO NETWORKS INC COM 697435105 27 55 SH   DFND   55 0 0
PARKER-HANNIFIN CORP COM 701094104 73 297 SH   DFND   297 0 0
PARKER-HANNIFIN CORP COM 701094104 1,619 6,578 SH   SOLE   6,578 0 0
PAYPAL HLDGS INC COM 70450Y103 392 5,609 SH   SOLE   5,609 0 0
PEPSICO INC COM 713448108 350 2,100 SH   DFND   1,100 0 1,000
PEPSICO INC COM 713448108 1,253 7,516 SH   SOLE   7,516 0 0
PFIZER INC COM 717081103 124 2,364 SH   DFND   0 0 2,364
PFIZER INC COM 717081103 392 7,481 SH   SOLE   7,481 0 0
PHILIP MORRIS INTL INC COM 718172109 168 1,706 SH   SOLE   1,706 0 0
PHILIP MORRIS INTL INC COM 718172109 64 650 SH   DFND   650 0 0
PHILLIPS 66 COM 718546104 16 200 SH   DFND   200 0 0
PHILLIPS 66 COM 718546104 827 10,083 SH   SOLE   10,083 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,342 8,507 SH   SOLE   8,507 0 0
PNC FINL SVCS GROUP INC COM 693475105 42 264 SH   DFND   264 0 0
PPG INDS INC COM 693506107 867 7,583 SH   SOLE   7,583 0 0
PPG INDS INC COM 693506107 26 227 SH   DFND   227 0 0
PROCTER AND GAMBLE CO COM 742718109 458 3,185 SH   DFND   120 0 3,065
PROCTER AND GAMBLE CO COM 742718109 1,064 7,399 SH   SOLE   7,399 0 0
PROLOGIS INC. COM 74340W103 506 4,304 SH   SOLE   4,304 0 0
PROLOGIS INC. COM 74340W103 37 311 SH   DFND   311 0 0
PUBLIC STORAGE COM 74460D109 11 34 SH   DFND   34 0 0
PUBLIC STORAGE COM 74460D109 253 808 SH   SOLE   808 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 13 203 SH   DFND   203 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 345 5,446 SH   SOLE   5,446 0 0
QUALCOMM INC COM 747525103 4 35 SH   DFND   35 0 0
QUALCOMM INC COM 747525103 229 1,796 SH   SOLE   1,796 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 138 1,438 SH   SOLE   1,438 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 86 900 SH   DFND   900 0 0
REGENERON PHARMACEUTICALS COM 75886F107 566 957 SH   SOLE   957 0 0
REGENERON PHARMACEUTICALS COM 75886F107 9 15 SH   DFND   15 0 0
SALESFORCE INC COM 79466L302 33 200 SH   DFND   200 0 0
SALESFORCE INC COM 79466L302 1,029 6,233 SH   SOLE   6,233 0 0
SERVICENOW INC COM 81762P102 1,181 2,483 SH   SOLE   2,483 0 0
SERVICENOW INC COM 81762P102 26 55 SH   DFND   55 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 415 1,099 SH   SOLE   1,099 0 0
STARBUCKS CORP COM 855244109 851 11,134 SH   SOLE   11,134 0 0
STARBUCKS CORP COM 855244109 21 275 SH   DFND   275 0 0
STRYKER CORPORATION COM 863667101 1,029 5,171 SH   SOLE   5,171 0 0
STRYKER CORPORATION COM 863667101 90 450 SH   DFND   450 0 0
TARGET CORP COM 87612E106 756 5,353 SH   SOLE   5,353 0 0
TARGET CORP COM 87612E106 30 210 SH   DFND   210 0 0
TEXAS INSTRS INC COM 882508104 512 3,335 SH   SOLE   3,335 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 2,098 3,861 SH   SOLE   3,861 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 54 100 SH   DFND   100 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 287 4,369 SH   SOLE   4,369 0 0
TRUIST FINL CORP COM 89832Q109 325 6,849 SH   SOLE   6,849 0 0
TYSON FOODS INC CL A 902494103 9 108 SH   DFND   108 0 0
TYSON FOODS INC CL A 902494103 640 7,436 SH   SOLE   7,436 0 0
UNION PAC CORP COM 907818108 318 1,490 SH   DFND   27 0 1,463
UNION PAC CORP COM 907818108 976 4,576 SH   SOLE   4,576 0 0
UNITED RENTALS INC COM 911363109 1,086 4,470 SH   SOLE   4,470 0 0
UNITED RENTALS INC COM 911363109 31 128 SH   DFND   128 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,684 5,226 SH   SOLE   5,226 0 0
UNITEDHEALTH GROUP INC COM 91324P102 82 160 SH   DFND   160 0 0
UNITY SOFTWARE INC COM 91332U101 282 7,649 SH   SOLE   7,649 0 0
UNITY SOFTWARE INC COM 91332U101 4 100 SH   DFND   100 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 187 950 SH   DFND   950 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 108 550 SH   SOLE   550 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 396 4,351 SH   SOLE   4,351 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 221 5,298 SH   SOLE   5,298 0 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 224 5,500 SH   SOLE   5,500 0 0
VEEVA SYS INC CL A COM 922475108 11 55 SH   DFND   55 0 0
VEEVA SYS INC CL A COM 922475108 453 2,287 SH   SOLE   2,287 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,233 24,293 SH   SOLE   23,970 0 323
VERIZON COMMUNICATIONS INC COM 92343V104 45 891 SH   DFND   891 0 0
VISA INC COM CL A 92826C839 39 200 SH   DFND   200 0 0
VISA INC COM CL A 92826C839 1,925 9,778 SH   SOLE   9,778 0 0
ZIONS BANCORPORATION N A COM 989701107 37 720 SH   DFND   720 0 0
ZIONS BANCORPORATION N A COM 989701107 1,276 25,070 SH   SOLE   25,070 0 0