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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
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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
ABBOTT LABORATORIES Equities 002824100   816,662 8,065 SH   DFND   8,065 0 0
ABBOTT LABORATORIES Equities 002824100   4,306,183 42,526 SH   SOLE   42,501 0 25
ABBVIE INC Equities 00287Y109   1,281,335 8,040 SH   DFND   8,040 0 0
ABBVIE INC Equities 00287Y109   6,660,072 41,790 SH   SOLE   41,756 0 34
ACCENTURE PLC A Equities G1151C101   342,400 1,198 SH   SOLE   1,198 0 0
ADOBE INC Equities 00724F101   8,478 22 SH   DFND   22 0 0
ADOBE INC Equities 00724F101   311,379 808 SH   SOLE   800 0 8
ALPHABET INC CAP STK CLASS C Equities 02079K107   8,320 80 SH   DFND   80 0 0
ALPHABET INC CAP STK CLASS C Equities 02079K107   850,720 8,180 SH   SOLE   8,133 0 47
ALPHABET INC CLASS A Equities 02079K305   8,298 80 SH   DFND   80 0 0
ALPHABET INC CLASS A Equities 02079K305   596,966 5,755 SH   SOLE   5,708 0 47
AMAZON.COM INC Equities 023135106   14,461 140 SH   DFND   140 0 0
AMAZON.COM INC Equities 023135106   965,658 9,349 SH   SOLE   9,304 0 45
AMERICAN EXPRESS COMMON Equities 025816109   391,756 2,375 SH   DFND   2,375 0 0
AMERICAN EXPRESS COMMON Equities 025816109   244,291 1,481 SH   SOLE   1,481 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   155,089 506 SH   DFND   506 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   194,628 635 SH   SOLE   628 0 7
AMGEN INC Equities 031162100   212,257 878 SH   SOLE   878 0 0
ANALOG DEVICES INC Equities 032654105   204,123 1,035 SH   SOLE   1,035 0 0
AON PLC Equities G0403H108   485,547 1,540 SH   SOLE   1,540 0 0
APOLLO GLOBAL MGMT INC Equities 03769M106   244,871 3,877 SH   SOLE   3,877 0 0
APPLE INC COMMON Equities 037833100   31,331 190 SH   DFND   190 0 0
APPLE INC COMMON Equities 037833100   2,987,823 18,119 SH   SOLE   18,033 0 86
APPLIED MATERIALS INC Equities 038222105   282,632 2,301 SH   SOLE   2,301 0 0
ARCHER DANIELS MIDLAND CO Equities 039483102   103,662,833 1,301,316 SH   SOLE   1,301,316 0 0
AT&T INC Equities 00206R102   10,530 547 SH   DFND   547 0 0
AT&T INC Equities 00206R102   448,159 23,281 SH   SOLE   23,146 0 135
AUTOMATIC DATA PROCESSING INC Equities 053015103   89,052 400 SH   DFND   400 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   519,396 2,333 SH   SOLE   2,333 0 0
BANK AMER CORP COMMON Equities 060505104   327,012 11,434 SH   SOLE   11,434 0 0
BERKSHIRE HATHAWAY INC DEL CLAS Equities 084670702   724,992 2,348 SH   SOLE   2,348 0 0
BRISTOL MYERS SQUIBB COMMON Equities 110122108   5,406 78 SH   DFND   78 0 0
BRISTOL MYERS SQUIBB COMMON Equities 110122108   195,870 2,826 SH   SOLE   2,826 0 0
CAPITAL ONE FINL CORP COMMON Equities 14040H105   249,343 2,593 SH   SOLE   2,593 0 0
CATERPILLAR INC. Equities 149123101   5,721 25 SH   DFND   25 0 0
CATERPILLAR INC. Equities 149123101   205,041 896 SH   SOLE   885 0 11
CHEVRON CORP Equities 166764100   477,243 2,925 SH   SOLE   2,918 0 7
CISCO SYSTEMS INC Equities 17275R102   149,402 2,858 SH   DFND   2,858 0 0
CISCO SYSTEMS INC Equities 17275R102   722,441 13,820 SH   SOLE   13,719 0 101
COCA-COLA CO Equities 191216100   806,390 13,000 SH   DFND   13,000 0 0
COCA-COLA CO Equities 191216100   622,533 10,036 SH   SOLE   10,036 0 0
COMCAST CORP NEW CL A Equities 20030N101   230,000 6,067 SH   SOLE   6,067 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   6,459 13 SH   DFND   13 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   281,725 567 SH   SOLE   561 0 6
DANAHER CORP COMMON Equities 235851102   353,612 1,403 SH   SOLE   1,403 0 0
EATON CORP PLC Equities G29183103   334,113 1,950 SH   SOLE   1,940 0 10
EXXON MOBIL CORP Equities 30231G102   1,261,090 11,500 SH   DFND   11,500 0 0
EXXON MOBIL CORP Equities 30231G102   763,563 6,963 SH   SOLE   6,963 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805   308,661 6,850 SH   DFND   6,850 0 0
GENERAL ELECTRIC CO Equities 369604301   215,100 2,250 SH   DFND   2,250 0 0
GENERAL ELECTRIC CO Equities 369604301   159,174 1,665 SH   SOLE   1,665 0 0
HUBBELL INC NPV Equities 443510607   614,358 2,525 SH   DFND   2,525 0 0
INTEL CORP Equities 458140100   4,182 128 SH   DFND   128 0 0
INTEL CORP Equities 458140100   786,857 24,085 SH   SOLE   23,999 0 86
INVESCO AC VAR ETF Equities 46090A879   259,016 10,478 SH   DFND   10,478 0 0
INVESCO AC VAR ETF Equities 46090A879   14,759,991 597,087 SH   SOLE   593,277 0 3,810
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   301,032 938 SH   SOLE   938 0 0
ISHARES AAA-A RATED CORP BOND E Equities 46429B291   760,656 15,900 SH   SOLE   15,900 0 0
ISHARES AGENCY BOND ETF Equities 464288166   2,493,078 23,035 SH   SOLE   23,035 0 0
ISHARES CORE MSCI EMERG MARKTET Equities 46434G103   827,137 16,953 SH   SOLE   16,953 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   1,573,614 3,828 SH   SOLE   3,828 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   709,101 7,333 SH   DFND   7,333 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   12,795,731 132,324 SH   SOLE   131,926 0 398
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   687,117 6,896 SH   DFND   6,896 0 0
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   43,714,061 438,720 SH   SOLE   436,366 0 2,354
ISHARES GLBL MAT ETF Equities 464288695   557,520 6,663 SH   SOLE   6,663 0 0
ISHARES GLOBAL CONSUMER DISCR E Equities 464288745   473,835 3,264 SH   SOLE   3,264 0 0
ISHARES GNMA BOND ETF Equities 46429B333   2,462,195 55,380 SH   SOLE   55,380 0 0
ISHARES MSCI EAFE Equities 464287465   62,222 870 SH   DFND   870 0 0
ISHARES MSCI EAFE Equities 464287465   998,991 13,968 SH   SOLE   13,968 0 0
ISHARES MSCI EMERG Equities 464287234   35,514 900 SH   DFND   900 0 0
ISHARES MSCI EMERG Equities 464287234   484,450 12,277 SH   SOLE   12,277 0 0
ISHARES RUSSELL 1000 VALUE Equities 464287598   589,551 3,872 SH   SOLE   3,872 0 0
ISHARES RUSSELL 2000 Equities 464287655   74,571 418 SH   DFND   418 0 0
ISHARES RUSSELL 2000 Equities 464287655   1,707,823 9,573 SH   SOLE   9,573 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   51,112 800 SH   DFND   800 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   306,608 4,799 SH   SOLE   4,799 0 0
ISHARES S&P GLO INDS Equities 464288729   553,057 4,845 SH   SOLE   4,845 0 0
ISHARES S&P GLOB TECH SECTOR ID Equities 464287291   504,733 9,285 SH   SOLE   9,285 0 0
ISHARES S&P GLOBAL FINANCIALS I Equities 464287333   517,210 7,495 SH   SOLE   7,495 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   193,568 3,830 SH   DFND   3,830 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   169,309 3,350 SH   SOLE   3,350 0 0
ISHARES TR MSCI Equities 464288257   1,459,107 16,006 SH   SOLE   16,006 0 0
ISHARES TR S&P MIDCAP 400 INDEX Equities 464287507   354,227 1,416 SH   SOLE   1,416 0 0
ISHS INTL SEL DV ETF Equities 464288448   385,437 14,021 SH   DFND   14,021 0 0
ISHS INTL SEL DV ETF Equities 464288448   4,091,722 148,844 SH   SOLE   141,986 0 6,858
JM SMUCKER CO/THE-NEW COM Equities 832696405   225,511 1,433 SH   SOLE   1,433 0 0
JOHNSON & JOHNSON Equities 478160104   935,890 6,038 SH   DFND   6,038 0 0
JOHNSON & JOHNSON Equities 478160104   644,645 4,159 SH   SOLE   4,144 0 15
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   501,069 10,580 SH   DFND   10,580 0 0
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   12,945,098 273,334 SH   SOLE   271,940 0 1,394
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   207,067 4,115 SH   DFND   4,115 0 0
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   231,975 4,610 SH   SOLE   4,610 0 0
JPMORGAN CHASE & CO Equities 46625H100   9,122 70 SH   DFND   70 0 0
JPMORGAN CHASE & CO Equities 46625H100   893,145 6,854 SH   SOLE   6,840 0 14
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   662,302 13,040 SH   DFND   13,040 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   8,101,005 159,500 SH   SOLE   159,500 0 0
KROGER CO Equities 501044101   523,026 10,594 SH   SOLE   10,594 0 0
LILLY ELI & COMMON Equities 532457108   4,808 14 SH   DFND   14 0 0
LILLY ELI & COMMON Equities 532457108   523,716 1,525 SH   SOLE   1,517 0 8
MASTERCARD CL A Equities 57636Q104   5,451 15 SH   DFND   15 0 0
MASTERCARD CL A Equities 57636Q104   438,999 1,208 SH   SOLE   1,208 0 0
MCDONALDS CORP COMMON Equities 580135101   256,123 916 SH   SOLE   916 0 0
MERCK & CO INC NEW Equities 58933Y105   646,319 6,075 SH   DFND   6,075 0 0
MERCK & CO INC NEW Equities 58933Y105   974,000 9,155 SH   SOLE   9,131 0 24
META PLATFORMS INC. Equities 30303M102   12,293 58 SH   DFND   58 0 0
META PLATFORMS INC. Equities 30303M102   657,226 3,101 SH   SOLE   3,075 0 26
MICROSOFT CORP Equities 594918104   60,543 210 SH   DFND   210 0 0
MICROSOFT CORP Equities 594918104   2,390,584 8,292 SH   SOLE   8,250 0 42
MOODYS CORP Equities 615369105   257,057 840 SH   SOLE   840 0 0
NEXTERA ENERGY INC Equities 65339F101   228,928 2,970 SH   SOLE   2,970 0 0
NVIDIA CORP Equities 67066G104   11,944 43 SH   DFND   43 0 0
NVIDIA CORP Equities 67066G104   598,317 2,154 SH   SOLE   2,129 0 25
ORACLE CORP Equities 68389X105   92,920 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   295,579 3,181 SH   SOLE   3,181 0 0
PAYCHEX COMMON Equities 704326107   5,844 51 SH   DFND   51 0 0
PAYCHEX COMMON Equities 704326107   220,471 1,924 SH   SOLE   1,903 0 21
PEPSICO INC Equities 713448108   410,540 2,252 SH   SOLE   2,252 0 0
PFIZER INC Equities 717081103   160,752 3,940 SH   DFND   3,940 0 0
PFIZER INC Equities 717081103   239,496 5,870 SH   SOLE   5,870 0 0
PROCTER & GAMBLE CO Equities 742718109   16,530,611 111,175 SH   SOLE   111,175 0 0
PRUDENTIAL FINL INC Equities 744320102   5,709 69 SH   DFND   69 0 0
PRUDENTIAL FINL INC Equities 744320102   245,572 2,968 SH   SOLE   2,944 0 24
QUALCOMM INC COMMON Equities 747525103   231,558 1,815 SH   SOLE   1,815 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   457,137 4,668 SH   DFND   4,668 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   105,373 1,076 SH   SOLE   1,076 0 0
S&P GLOBAL INC COM Equities 78409V104   413,724 1,200 SH   DFND   1,200 0 0
S&P GLOBAL INC COM Equities 78409V104   182,728 530 SH   SOLE   530 0 0
SALESFORCE INC Equities 79466L302   6,393 32 SH   DFND   32 0 0
SALESFORCE INC Equities 79466L302   462,890 2,317 SH   SOLE   2,300 0 17
SCHWAB STRATEGIC TR Equities 808524706   256,773 10,472 SH   SOLE   10,472 0 0
SCHWAB STRATEGIC TR Equities 808524805   472,723 13,584 SH   SOLE   13,584 0 0
SCHWAB STRATEGIC US DIVIDEND EQ Equities 808524797   483,149 6,604 SH   SOLE   6,604 0 0
SPDR BARCLAYS BLOOMBERG ST BD E Equities 78464A474   136,891 4,620 SH   DFND   4,620 0 0
SPDR BARCLAYS BLOOMBERG ST BD E Equities 78464A474   669,312 22,589 SH   SOLE   22,589 0 0
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408   207,066 8,336 SH   DFND   8,336 0 0
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408   2,459,359 99,008 SH   SOLE   96,002 0 3,006
SPDR GOLD TR GOLD SHS Equities 78463V107   91,610 500 SH   DFND   500 0 0
SPDR GOLD TR GOLD SHS Equities 78463V107   214,551 1,171 SH   SOLE   1,171 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   466,295 1,139 SH   DFND   1,139 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   17,952,570 43,852 SH   SOLE   43,810 0 42
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   73,346 160 SH   DFND   160 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   1,909,736 4,166 SH   SOLE   4,151 0 15
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739   145,931 3,069 SH   DFND   3,069 0 0
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739   2,421,389 50,923 SH   SOLE   50,923 0 0
TARGET CORP Equities 87612E106   859,454 5,189 SH   SOLE   5,189 0 0
TECH SELECT SEC SPDR Equities 81369Y803   37,753 250 SH   DFND   250 0 0
TECH SELECT SEC SPDR Equities 81369Y803   845,807 5,601 SH   SOLE   5,601 0 0
TESLA MTRS INC Equities 88160R101   11,410 55 SH   DFND   55 0 0
TESLA MTRS INC Equities 88160R101   585,660 2,823 SH   SOLE   2,796 0 27
THE HOME DEPOT INC Equities 437076102   8,558 29 SH   DFND   29 0 0
THE HOME DEPOT INC Equities 437076102   572,238 1,939 SH   SOLE   1,931 0 8
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   5,764 10 SH   DFND   10 0 0
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   355,044 616 SH   SOLE   611 0 5
UNION PACIFIC CORP Equities 907818108   966,048 4,800 SH   DFND   4,800 0 0
UNION PACIFIC CORP Equities 907818108   143,096 711 SH   SOLE   711 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   8,034 17 SH   DFND   17 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   686,673 1,453 SH   SOLE   1,448 0 5
VANGUARD FTSE EMERGING MARKETS Equities 922042858   313,908 7,770 SH   DFND   7,770 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858   10,063,115 249,087 SH   SOLE   248,575 0 512
VANGUARD IND FD MID-CAP ETF Equities 922908629   305,623 1,449 SH   SOLE   1,449 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   48,089 343 SH   DFND   343 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   932,330 6,650 SH   SOLE   6,650 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   1,731,355 9,268 SH   DFND   9,268 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   27,119,581 145,172 SH   SOLE   145,172 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   2,108,165 41,614 SH   DFND   41,614 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   26,390,516 520,934 SH   SOLE   520,934 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   1,634,326 29,602 SH   DFND   29,602 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   53,341,914 966,164 SH   SOLE   966,164 0 0
VERIZON COMMUNICATIONS INC COMM Equities 92343V104   256,246 6,589 SH   SOLE   6,589 0 0
VISA COMMON CL A Equities 92826C839   10,822 48 SH   DFND   48 0 0
VISA COMMON CL A Equities 92826C839   690,809 3,064 SH   SOLE   3,042 0 22
WELLS FARGO & CO Equities 949746101   254,483 6,808 SH   SOLE   6,808 0 0