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
3M CO COM 88579Y101   105,110 1,000 SH   DFND   0 0 1,000
3M CO COM 88579Y101   199,709 1,900 SH   SOLE   1,900 0 0
ABBOTT LABS COM 002824100   4,050 40 SH   DFND   40 0 0
ABBOTT LABS COM 002824100   111,386 1,100 SH   DFND 2 1,100 0 0
ABBOTT LABS COM 002824100   400,078 3,951 SH   SOLE   3,951 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   15,720 55 SH   DFND   55 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   805,413 2,818 SH   SOLE   2,818 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   821,994 2,133 SH   SOLE   2,133 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101   19,269 50 SH   DFND   50 0 0
AIR PRODS & CHEMS INC COM 009158106   18,669 65 SH   DFND   65 0 0
AIR PRODS & CHEMS INC COM 009158106   45,092 157 SH   DFND 2 157 0 0
AIR PRODS & CHEMS INC COM 009158106   1,503,832 5,236 SH   SOLE   5,236 0 0
ALLSTATE CORP COM 020002101   13,851 125 SH   DFND   125 0 0
ALLSTATE CORP COM 020002101   819,218 7,393 SH   SOLE   7,393 0 0
ALPHABET INC CAP STK CL A 02079K305   72,611 700 SH   DFND   700 0 0
ALPHABET INC CAP STK CL A 02079K305   87,133 840 SH   DFND 2 840 0 0
ALPHABET INC CAP STK CL A 02079K305   3,439,376 33,157 SH   SOLE   33,157 0 0
AMAZON COM INC COM 023135106   3,046,539 29,495 SH   SOLE   29,495 0 0
AMAZON COM INC COM 023135106   41,316 400 SH   DFND   400 0 0
AMERICAN EXPRESS CO COM 025816109   6,763 41 SH   DFND   41 0 0
AMERICAN EXPRESS CO COM 025816109   330,065 2,001 SH   SOLE   2,001 0 0
AMGEN INC COM 031162100   482,775 1,997 SH   SOLE   1,997 0 0
APPLE INC COM 037833100   222,285 1,348 SH   DFND   1,348 0 0
APPLE INC COM 037833100   66,620 404 SH   DFND 2 404 0 0
APPLE INC COM 037833100   8,903,940 53,996 SH   SOLE   53,996 0 0
AUTODESK INC COM 052769106   29,142 140 SH   DFND   140 0 0
AUTODESK INC COM 052769106   781,016 3,752 SH   SOLE   3,752 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   158,513 712 SH   DFND 2 712 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   306,562 1,377 SH   SOLE   1,377 0 0
BADGER METER INC COM 056525108   709,358 5,823 SH   SOLE   5,823 0 0
BANK AMERICA CORP COM 060505104   55,227 1,931 SH   DFND   1,931 0 0
BANK AMERICA CORP COM 060505104   1,530,329 53,508 SH   SOLE   53,508 0 0
BAXTER INTL INC COM 071813109   2,028 50 SH   DFND   50 0 0
BAXTER INTL INC COM 071813109   406,249 10,016 SH   SOLE   10,016 0 0
BECTON DICKINSON & CO COM 075887109   24,754 100 SH   DFND   100 0 0
BECTON DICKINSON & CO COM 075887109   522,804 2,112 SH   SOLE   2,112 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   18,526 60 SH   DFND   60 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   777,792 2,519 SH   SOLE   2,519 0 0
BLACKROCK INC COM 09247X101   46,838 70 SH   DFND   70 0 0
BLACKROCK INC COM 09247X101   1,798,595 2,688 SH   SOLE   2,688 0 0
BOEING CO COM 097023105   5,523 26 SH   DFND   26 0 0
BOEING CO COM 097023105   450,352 2,120 SH   SOLE   2,120 0 0
BOOKING HOLDINGS INC COM 09857L108   472,129 178 SH   SOLE   178 0 0
CANADIAN PAC RY LTD COM 13645T100   568,125 7,384 SH   SOLE   7,384 0 0
CATERPILLAR INC COM 149123101   1,689,983 7,385 SH   SOLE   7,385 0 0
CATERPILLAR INC COM 149123101   50,574 221 SH   DFND   221 0 0
CHEVRON CORP NEW COM 166764100   254,040 1,557 SH   DFND   357 0 1,200
CHEVRON CORP NEW COM 166764100   2,578,254 15,802 SH   SOLE   15,802 0 0
CISCO SYS INC COM 17275R102   6,639 127 SH   DFND   127 0 0
CISCO SYS INC COM 17275R102   125,460 2,400 SH   DFND 2 2,400 0 0
CISCO SYS INC COM 17275R102   265,923 5,087 SH   SOLE   5,087 0 0
CITIGROUP INC COM NEW 172967424   30,666 654 SH   DFND   654 0 0
CITIGROUP INC COM NEW 172967424   790,941 16,868 SH   SOLE   16,868 0 0
COLGATE PALMOLIVE CO COM 194162103   217,935 2,900 SH   DFND   0 0 2,900
CONOCOPHILLIPS COM 20825C104   15,874 160 SH   DFND   160 0 0
CONOCOPHILLIPS COM 20825C104   943,189 9,507 SH   SOLE   9,507 0 0
COSTCO WHSL CORP NEW COM 22160K105   32,297 65 SH   DFND   65 0 0
COSTCO WHSL CORP NEW COM 22160K105   1,579,053 3,178 SH   SOLE   3,178 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   13,726 100 SH   DFND   100 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   526,392 3,835 SH   SOLE   3,835 0 0
CROWN CASTLE INC COM 22822V101   16,730 125 SH   DFND   125 0 0
CROWN CASTLE INC COM 22822V101   441,270 3,297 SH   SOLE   3,297 0 0
CUMMINS INC COM 231021106   959,103 4,015 SH   SOLE   4,015 0 0
CUMMINS INC COM 231021106   23,888 100 SH   DFND   100 0 0
DANAHER CORPORATION COM 235851102   150,972 599 SH   DFND 2 599 0 0
DANAHER CORPORATION COM 235851102   194,071 770 SH   SOLE   770 0 0
DATADOG INC CL A COM 23804L103   12,716 175 SH   DFND   175 0 0
DATADOG INC CL A COM 23804L103   567,257 7,807 SH   SOLE   7,807 0 0
DEERE & CO COM 244199105   54,500 132 SH   DFND   132 0 0
DEERE & CO COM 244199105   1,748,134 4,234 SH   SOLE   4,234 0 0
DISNEY WALT CO COM 254687106   18,023 180 SH   DFND 2 180 0 0
DISNEY WALT CO COM 254687106   24,532 245 SH   DFND   245 0 0
DISNEY WALT CO COM 254687106   1,197,555 11,960 SH   SOLE   11,960 0 0
DOW INC COM 260557103   14,089 257 SH   DFND   257 0 0
DOW INC COM 260557103   708,274 12,920 SH   SOLE   12,920 0 0
EATON CORP PLC SHS G29183103   364,783 2,129 SH   SOLE   2,129 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   28,956 350 SH   DFND   350 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   1,275,531 15,418 SH   SOLE   15,418 0 0
EXXON MOBIL CORP COM 30231G102   614,096 5,600 SH   DFND   0 0 5,600
EXXON MOBIL CORP COM 30231G102   416,708 3,800 SH   SOLE   3,800 0 0
FEDEX CORP COM 31428X106   5,027 22 SH   DFND   22 0 0
FEDEX CORP COM 31428X106   443,271 1,940 SH   SOLE   1,940 0 0
GENERAL MLS INC COM 370334104   4,048,411 47,372 SH   DFND   0 0 47,372
GENERAL MLS INC COM 370334104   158,101 1,850 SH   SOLE   1,850 0 0
GERON CORP COM 374163103   21,700 10,000 SH   SOLE   10,000 0 0
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479   225,877 4,935 SH   SOLE   4,935 0 0
HCA HEALTHCARE INC COM 40412C101   50,099 190 SH   DFND   190 0 0
HCA HEALTHCARE INC COM 40412C101   1,323,146 5,018 SH   SOLE   5,018 0 0
HOME DEPOT INC COM 437076102   17,707 60 SH   DFND   60 0 0
HOME DEPOT INC COM 437076102   1,338,369 4,535 SH   SOLE   4,535 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   6,030 46 SH   DFND   46 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   224,033 1,709 SH   SOLE   1,709 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   34,488 135 SH   DFND   135 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   660,901 2,587 SH   SOLE   2,587 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   233,851 1,617 SH   SOLE   1,617 0 0
ISHARES INC MSCI EMRG CHN 46434G764   4,290,723 86,980 SH   SOLE   86,980 0 0
ISHARES INC MSCI EMRG CHN 46434G764   177,489 3,598 SH   DFND   3,598 0 0
ISHARES INC MSCI EMRG CHN 46434G764   543 11 SH   OTR   11 0 0
ISHARES INC CORE MSCI EMKT 46434G103   6,178,570 126,636 SH   SOLE   126,636 0 0
ISHARES INC CORE MSCI EMKT 46434G103   217,164 4,451 SH   DFND   4,451 0 0
ISHARES TR S&P MC 400GR ETF 464287606   107,265 1,500 SH   DFND   1,500 0 0
ISHARES TR S&P MC 400GR ETF 464287606   308,852 4,319 SH   SOLE   4,319 0 0
ISHARES TR SELECT DIVID ETF 464287168   333,963 2,850 SH   SOLE   2,850 0 0
ISHARES TR SP SMCP600VL ETF 464287879   200,938 2,147 SH   SOLE   2,147 0 0
ISHARES TR S&P SML 600 GWT 464287887   32,982 300 SH   DFND   300 0 0
ISHARES TR S&P SML 600 GWT 464287887   201,300 1,831 SH   SOLE   1,831 0 0
ISHARES TR MSCI EAFE ETF 464287465   514,944 7,200 SH   DFND   7,200 0 0
ISHARES TR MSCI EAFE ETF 464287465   607,133 8,489 SH   SOLE   8,489 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,135,935 11,747 SH   SOLE   11,747 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   647,105 4,250 SH   SOLE   4,250 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,484,410 3,611 SH   SOLE   3,611 0 0
ISHARES TR SP SMCP600VL ETF 464287879   42,116 450 SH   DFND   450 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   448,346 1,835 SH   SOLE   1,835 0 0
ISHARES TR US TREAS BD ETF 46429B267   8,393 359 SH   OTR   359 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100   386,337 7,969 SH   SOLE   7,969 0 0
ISHARES TR CORE US AGGBD ET 464287226   499,695 5,015 SH   SOLE   5,015 0 0
ISHARES TR CORE MSCI EAFE 46432F842   2,415,758 36,137 SH   SOLE   36,137 0 0
ISHARES TR CORE S&P MCP ETF 464287507   476,555 1,905 SH   SOLE   1,905 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,438,544 13,352 SH   SOLE   13,352 0 0
ISHARES TR US TREAS BD ETF 46429B267   116,128 4,967 SH   DFND   4,967 0 0
ISHARES TR US TREAS BD ETF 46429B267   8,666,148 370,665 SH   SOLE   370,665 0 0
ISHARES TR U.S. TECH ETF 464287721   296,992 3,200 SH   SOLE   3,200 0 0
ISHARES TR JPMORGAN USD EMG 464288281   3,883 45 SH   DFND   45 0 0
ISHARES TR JPMORGAN USD EMG 464288281   547,792 6,349 SH   SOLE   6,349 0 0
ISHARES TR MSCI KLD400 SOC 464288570   3,133,248 40,175 SH   SOLE   40,175 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   8,730 176 SH   OTR   176 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   566,730 11,426 SH   DFND   11,426 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   13,692,427 276,057 SH   SOLE   276,057 0 0
JOHNSON & JOHNSON COM 478160104   280,860 1,812 SH   DFND   212 0 1,600
JOHNSON & JOHNSON COM 478160104   29,450 190 SH   DFND 2 190 0 0
JOHNSON & JOHNSON COM 478160104   2,113,735 13,637 SH   SOLE   13,637 0 0
JOHNSON CTLS INTL PLC SHS G51502105   284,720 4,728 SH   SOLE   4,728 0 0
JPMORGAN CHASE & CO COM 46625H100   60,464 464 SH   DFND   464 0 0
JPMORGAN CHASE & CO COM 46625H100   71,671 550 SH   DFND 2 550 0 0
JPMORGAN CHASE & CO COM 46625H100   2,530,099 19,416 SH   SOLE   19,416 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   16,680 85 SH   DFND   85 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   423,290 2,157 SH   SOLE   2,157 0 0
LAM RESEARCH CORP COM 512807108   71,036 134 SH   DFND   134 0 0
LAM RESEARCH CORP COM 512807108   2,169,251 4,092 SH   SOLE   4,092 0 0
LAUDER ESTEE COS INC CL A 518439104   800,749 3,249 SH   SOLE   3,249 0 0
LAUDER ESTEE COS INC CL A 518439104   47,813 194 SH   DFND   194 0 0
LILLY ELI & CO COM 532457108   356,470 1,038 SH   SOLE   1,038 0 0
LISTED FD TR SHARES LAG CAP 53656F805   469,413 14,247 SH   SOLE   14,247 0 0
LOCKHEED MARTIN CORP COM 539830109   745,022 1,576 SH   SOLE   1,576 0 0
LOCKHEED MARTIN CORP COM 539830109   15,600 33 SH   DFND   33 0 0
LULULEMON ATHLETICA INC COM 550021109   596,907 1,639 SH   SOLE   1,639 0 0
LULULEMON ATHLETICA INC COM 550021109   20,030 55 SH   DFND   55 0 0
MARSH & MCLENNAN COS INC COM 571748102   7,994 48 SH   DFND   48 0 0
MARSH & MCLENNAN COS INC COM 571748102   220,512 1,324 SH   SOLE   1,324 0 0
MCDONALDS CORP COM 580135101   46,136 165 SH   DFND   165 0 0
MCDONALDS CORP COM 580135101   1,583,991 5,665 SH   SOLE   5,665 0 0
MERCK & CO INC COM 58933Y105   22,767 214 SH   DFND   214 0 0
MERCK & CO INC COM 58933Y105   1,623,405 15,259 SH   SOLE   15,259 0 0
MICROSOFT CORP COM 594918104   208,153 722 SH   DFND   722 0 0
MICROSOFT CORP COM 594918104   102,347 355 SH   DFND 2 355 0 0
MICROSOFT CORP COM 594918104   8,811,025 30,562 SH   SOLE   30,562 0 0
MONDELEZ INTL INC CL A 609207105   500,659 7,181 SH   SOLE   7,181 0 0
MORGAN STANLEY COM NEW 617446448   28,272 322 SH   DFND   322 0 0
MORGAN STANLEY COM NEW 617446448   897,140 10,218 SH   SOLE   10,218 0 0
NETFLIX INC COM 64110L106   19,001 55 SH   DFND   55 0 0
NETFLIX INC COM 64110L106   494,727 1,432 SH   SOLE   1,432 0 0
NEXTERA ENERGY INC COM 65339F101   15,416 200 SH   DFND   200 0 0
NEXTERA ENERGY INC COM 65339F101   794,155 10,303 SH   SOLE   10,303 0 0
NIKE INC CL B 654106103   1,806,119 14,727 SH   SOLE   14,727 0 0
NIKE INC CL B 654106103   30,660 250 SH   DFND   250 0 0
NIKE INC CL B 654106103   42,066 343 SH   DFND 2 343 0 0
NORFOLK SOUTHN CORP COM 655844108   663,136 3,128 SH   SOLE   3,128 0 0
NORFOLK SOUTHN CORP COM 655844108   25,864 122 SH   DFND   122 0 0
NUCOR CORP COM 670346105   14,211 92 SH   DFND   92 0 0
NUCOR CORP COM 670346105   343,232 2,222 SH   SOLE   2,222 0 0
NVIDIA CORPORATION COM 67066G104   79,164 285 SH   DFND   285 0 0
NVIDIA CORPORATION COM 67066G104   3,712,396 13,365 SH   SOLE   13,365 0 0
OUTSET MED INC COM 690145107   698,427 37,958 SH   SOLE   37,958 0 0
PACCAR INC COM 693718108   1,081,530 14,775 SH   SOLE   14,775 0 0
PALO ALTO NETWORKS INC COM 697435105   32,957 165 SH   DFND   165 0 0
PALO ALTO NETWORKS INC COM 697435105   1,297,511 6,496 SH   SOLE   6,496 0 0
PARKER-HANNIFIN CORP COM 701094104   59,155 176 SH   DFND   176 0 0
PARKER-HANNIFIN CORP COM 701094104   1,912,466 5,690 SH   SOLE   5,690 0 0
PARKER-HANNIFIN CORP COM 701094104   32,267 96 SH   DFND 2 96 0 0
PAYPAL HLDGS INC COM 70450Y103   425,340 5,601 SH   SOLE   5,601 0 0
PEPSICO INC COM 713448108   127,610 700 SH   DFND 2 700 0 0
PEPSICO INC COM 713448108   205,088 1,125 SH   DFND   125 0 1,000
PEPSICO INC COM 713448108   1,417,565 7,776 SH   SOLE   7,776 0 0
PFIZER INC COM 717081103   234,070 5,737 SH   SOLE   5,737 0 0
PFIZER INC COM 717081103   96,451 2,364 SH   DFND   0 0 2,364
PHILLIPS 66 COM 718546104   29,603 292 SH   DFND   292 0 0
PHILLIPS 66 COM 718546104   853,113 8,415 SH   SOLE   8,415 0 0
PNC FINL SVCS GROUP INC COM 693475105   23,386 184 SH   DFND   184 0 0
PNC FINL SVCS GROUP INC COM 693475105   1,035,357 8,146 SH   SOLE   8,146 0 0
PPG INDS INC COM 693506107   30,323 227 SH   DFND   227 0 0
PPG INDS INC COM 693506107   953,494 7,138 SH   SOLE   7,138 0 0
PROCTER AND GAMBLE CO COM 742718109   445,327 2,995 SH   DFND   0 0 2,995
PROCTER AND GAMBLE CO COM 742718109   1,236,803 8,318 SH   SOLE   8,318 0 0
PROLOGIS INC. COM 74340W103   535,388 4,291 SH   SOLE   4,291 0 0
PROLOGIS INC. COM 74340W103   13,849 111 SH   DFND   111 0 0
PUBLIC STORAGE COM 74460D109   40,487 134 SH   DFND   134 0 0
PUBLIC STORAGE COM 74460D109   893,730 2,958 SH   SOLE   2,958 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   12,677 203 SH   DFND   203 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   352,093 5,638 SH   SOLE   5,638 0 0
REGENERON PHARMACEUTICALS COM 75886F107   31,223 38 SH   DFND   38 0 0
REGENERON PHARMACEUTICALS COM 75886F107   878,365 1,069 SH   SOLE   1,069 0 0
SALESFORCE INC COM 79466L302   1,307,360 6,544 SH   SOLE   6,544 0 0
SALESFORCE INC COM 79466L302   39,956 200 SH   DFND   200 0 0
SERVICENOW INC COM 81762P102   25,560 55 SH   DFND   55 0 0
SERVICENOW INC COM 81762P102   1,110,681 2,390 SH   SOLE   2,390 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   501,093 1,224 SH   SOLE   1,224 0 0
SPDR SER TR PORTFOLIO SHORT 78464A474   388,805 13,122 SH   SOLE   13,122 0 0
STARBUCKS CORP COM 855244109   1,051,401 10,097 SH   SOLE   10,097 0 0
STARBUCKS CORP COM 855244109   18,223 175 SH   DFND   175 0 0
STRYKER CORPORATION COM 863667101   1,220,384 4,275 SH   SOLE   4,275 0 0
STRYKER CORPORATION COM 863667101   42,821 150 SH   DFND   150 0 0
TARGET CORP COM 87612E106   34,782 210 SH   DFND   210 0 0
TARGET CORP COM 87612E106   844,713 5,100 SH   SOLE   5,100 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   73,775 128 SH   DFND   128 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   1,797,698 3,119 SH   SOLE   3,119 0 0
TORO CO COM 891092108   212,649 1,913 SH   SOLE   1,913 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   232,412 3,880 SH   SOLE   3,880 0 0
TYSON FOODS INC CL A 902494103   18,271 308 SH   DFND   308 0 0
TYSON FOODS INC CL A 902494103   541,710 9,132 SH   SOLE   9,132 0 0
UNION PAC CORP COM 907818108   349,589 1,737 SH   SOLE   1,737 0 0
UNION PAC CORP COM 907818108   299,877 1,490 SH   DFND   27 0 1,463
UNITED RENTALS INC COM 911363109   50,657 128 SH   DFND   128 0 0
UNITED RENTALS INC COM 911363109   1,509,033 3,813 SH   SOLE   3,813 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,944,708 4,115 SH   SOLE   4,115 0 0
UNITEDHEALTH GROUP INC COM 91324P102   63,800 135 SH   DFND   135 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   245,798 2,960 SH   SOLE   2,960 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,034,984 20,430 SH   SOLE   20,430 0 0
VEEVA SYS INC CL A COM 922475108   11,946 65 SH   DFND   65 0 0
VEEVA SYS INC CL A COM 922475108   416,284 2,265 SH   SOLE   2,265 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   50,596 1,301 SH   DFND   1,301 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,522,660 39,153 SH   SOLE   39,153 0 0
VISA INC COM CL A 92826C839   45,092 200 SH   DFND   200 0 0
VISA INC COM CL A 92826C839   1,623,763 7,202 SH   SOLE   7,202 0 0
WALMART INC COM 931142103   218,668 1,483 SH   SOLE   1,483 0 0