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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
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
ABBOTT LABORATORIES Equities 002824100   887,715 8,065 SH   DFND   8,065 0 0
ABBOTT LABORATORIES Equities 002824100   765,097 6,951 SH   SOLE   6,926 0 25
ABBVIE INC Equities 00287Y109   1,245,959 8,040 SH   DFND   8,040 0 0
ABBVIE INC Equities 00287Y109   904,560 5,837 SH   SOLE   5,803 0 34
ACCENTURE PLC A Equities G1151C101   506,363 1,443 SH   SOLE   1,443 0 0
ADOBE INC Equities 00724F101   5,966 10 SH   DFND   10 0 0
ADOBE INC Equities 00724F101   415,830 697 SH   SOLE   689 0 8
ALPHABET INC CAP STK CLASS C Equities 02079K107   11,274 80 SH   DFND   80 0 0
ALPHABET INC CAP STK CLASS C Equities 02079K107   1,239,338 8,794 SH   SOLE   8,747 0 47
ALPHABET INC CLASS A Equities 02079K305   11,175 80 SH   DFND   80 0 0
ALPHABET INC CLASS A Equities 02079K305   876,136 6,272 SH   SOLE   6,225 0 47
AMAZON.COM INC Equities 023135106   16,106 106 SH   DFND   106 0 0
AMAZON.COM INC Equities 023135106   1,377,640 9,067 SH   SOLE   9,022 0 45
AMERICAN EXPRESS COMMON Equities 025816109   444,933 2,375 SH   DFND   2,375 0 0
AMERICAN EXPRESS COMMON Equities 025816109   265,086 1,415 SH   SOLE   1,415 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   192,194 506 SH   DFND   506 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   256,005 674 SH   SOLE   667 0 7
AMGEN INC Equities 031162100   228,400 793 SH   SOLE   793 0 0
ANALOG DEVICES INC Equities 032654105   232,911 1,173 SH   SOLE   1,173 0 0
AON PLC Equities G0403H108   453,409 1,558 SH   SOLE   1,558 0 0
APOLLO GLOBAL MGMT INC Equities 03769M106   320,574 3,440 SH   SOLE   3,440 0 0
APPLE INC COMMON Equities 037833100   27,339 142 SH   DFND   142 0 0
APPLE INC COMMON Equities 037833100   3,558,339 18,482 SH   SOLE   18,396 0 86
APPLIED MATERIALS INC Equities 038222105   370,330 2,285 SH   SOLE   2,285 0 0
ARCH CAPITAL GROUP LTD Equities G0450A105   210,704 2,837 SH   SOLE   2,837 0 0
ARCHER DANIELS MIDLAND CO Equities 039483102   93,799,119 1,298,797 SH   SOLE   1,298,797 0 0
AT&T INC Equities 00206R102   9,179 547 SH   DFND   547 0 0
AT&T INC Equities 00206R102   337,882 20,136 SH   SOLE   20,001 0 135
AUTOMATIC DATA PROCESSING INC Equities 053015103   93,188 400 SH   DFND   400 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   633,678 2,720 SH   SOLE   2,720 0 0
BANK AMER CORP COMMON Equities 060505104   366,969 10,899 SH   SOLE   10,899 0 0
BERKSHIRE HATHAWAY INC DEL CLAS Equities 084670702   768,246 2,154 SH   SOLE   2,154 0 0
BROADCOM INC Equities 11135F101   12,279 11 SH   DFND   11 0 0
BROADCOM INC Equities 11135F101   477,755 428 SH   SOLE   423 0 5
CAPITAL ONE FINL CORP COMMON Equities 14040H105   358,744 2,736 SH   SOLE   2,736 0 0
CATERPILLAR INC. Equities 149123101   7,392 25 SH   DFND   25 0 0
CATERPILLAR INC. Equities 149123101   284,730 963 SH   SOLE   952 0 11
CHEVRON CORP Equities 166764100   481,936 3,231 SH   SOLE   3,224 0 7
CINTAS CORP Equities 172908105   201,288 334 SH   SOLE   334 0 0
CISCO SYSTEMS INC Equities 17275R102   144,386 2,858 SH   DFND   2,858 0 0
CISCO SYSTEMS INC Equities 17275R102   706,977 13,994 SH   SOLE   13,893 0 101
COCA-COLA CO Equities 191216100   766,090 13,000 SH   DFND   13,000 0 0
COCA-COLA CO Equities 191216100   768,388 13,039 SH   SOLE   13,039 0 0
COMCAST CORP NEW CL A Equities 20030N101   310,063 7,071 SH   SOLE   7,071 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   8,581 13 SH   DFND   13 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   331,360 502 SH   SOLE   496 0 6
DANAHER CORP COMMON Equities 235851102   311,384 1,346 SH   SOLE   1,346 0 0
DELL TECHNOLOGIES INC Equities 24703L202   283,509 3,706 SH   SOLE   3,706 0 0
EATON CORP PLC Equities G29183103   351,356 1,459 SH   SOLE   1,449 0 10
EXXON MOBIL CORP Equities 30231G102   1,149,770 11,500 SH   DFND   11,500 0 0
EXXON MOBIL CORP Equities 30231G102   702,759 7,029 SH   SOLE   7,029 0 0
FAIR ISAAC CORP Equities 303250104   203,702 175 SH   SOLE   175 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805   305,544 6,850 SH   DFND   6,850 0 0
GENERAL ELECTRIC CO Equities 369604301   287,168 2,250 SH   DFND   2,250 0 0
GENERAL ELECTRIC CO Equities 369604301   396,291 3,105 SH   SOLE   3,105 0 0
HUBBELL INC NPV Equities 443510607   830,548 2,525 SH   DFND   2,525 0 0
INTEL CORP Equities 458140100   6,432 128 SH   DFND   128 0 0
INTEL CORP Equities 458140100   1,214,040 24,160 SH   SOLE   24,074 0 86
INTERCONTINENTALEXCHANGE GROUP Equities 45866F104   262,896 2,047 SH   SOLE   2,047 0 0
INTUIT Equities 461202103   218,761 350 SH   SOLE   350 0 0
INVESCO AC VAR ETF Equities 46090A879   261,845 10,478 SH   DFND   10,478 0 0
INVESCO AC VAR ETF Equities 46090A879   13,144,490 525,990 SH   SOLE   522,473 0 3,517
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   384,130 938 SH   SOLE   938 0 0
ISHARES AAA-A RATED CORP BOND E Equities 46429B291   765,267 15,900 SH   SOLE   15,900 0 0
ISHARES AGENCY BOND ETF Equities 464288166   2,497,745 23,035 SH   SOLE   23,035 0 0
ISHARES CORE MSCI EMERG MARKTET Equities 46434G103   797,343 15,764 SH   SOLE   15,764 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   1,793,501 3,755 SH   SOLE   3,755 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   814,690 7,526 SH   DFND   7,526 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   16,072,202 148,473 SH   SOLE   148,075 0 398
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   684,428 6,896 SH   DFND   6,896 0 0
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   41,742,069 420,575 SH   SOLE   418,221 0 2,354
ISHARES GLBL MAT ETF Equities 464288695   543,875 6,233 SH   SOLE   6,233 0 0
ISHARES GLOBAL CONSUMER DISCR E Equities 464288745   494,518 3,109 SH   SOLE   3,109 0 0
ISHARES GNMA BOND ETF Equities 46429B333   2,450,565 55,380 SH   SOLE   55,380 0 0
ISHARES MSCI EAFE Equities 464287465   65,555 870 SH   DFND   870 0 0
ISHARES MSCI EAFE Equities 464287465   1,029,658 13,665 SH   SOLE   13,665 0 0
ISHARES MSCI EMERG Equities 464287234   31,082 773 SH   DFND   773 0 0
ISHARES MSCI EMERG Equities 464287234   469,854 11,685 SH   SOLE   11,685 0 0
ISHARES RUSSELL 1000 VALUE Equities 464287598   442,209 2,676 SH   SOLE   2,676 0 0
ISHARES RUSSELL 2000 Equities 464287655   83,897 418 SH   DFND   418 0 0
ISHARES RUSSELL 2000 Equities 464287655   1,786,118 8,899 SH   SOLE   8,899 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   60,080 800 SH   DFND   800 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   273,965 3,648 SH   SOLE   3,648 0 0
ISHARES S&P GLO INDS Equities 464288729   586,178 4,600 SH   SOLE   4,600 0 0
ISHARES S&P GLOB TECH SECTOR ID Equities 464287291   606,461 8,895 SH   SOLE   8,895 0 0
ISHARES S&P GLOBAL FINANCIALS I Equities 464287333   563,410 7,170 SH   SOLE   7,170 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   196,383 3,830 SH   DFND   3,830 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   171,771 3,350 SH   SOLE   3,350 0 0
ISHARES TR MSCI Equities 464288257   1,479,736 14,540 SH   SOLE   14,540 0 0
ISHARES TR S&P MIDCAP 400 INDEX Equities 464287507   392,444 1,416 SH   SOLE   1,416 0 0
ISHS INTL SEL DV ETF Equities 464288448   392,448 14,021 SH   DFND   14,021 0 0
ISHS INTL SEL DV ETF Equities 464288448   2,675,928 95,603 SH   SOLE   89,204 0 6,399
JOHNSON & JOHNSON Equities 478160104   946,396 6,038 SH   DFND   6,038 0 0
JOHNSON & JOHNSON Equities 478160104   708,151 4,518 SH   SOLE   4,503 0 15
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   505,618 10,580 SH   DFND   10,580 0 0
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   11,772,350 246,335 SH   SOLE   244,941 0 1,394
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   206,696 4,115 SH   DFND   4,115 0 0
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   181,330 3,610 SH   SOLE   3,610 0 0
JPMORGAN CHASE & CO Equities 46625H100   11,907 70 SH   DFND   70 0 0
JPMORGAN CHASE & CO Equities 46625H100   1,203,458 7,075 SH   SOLE   7,061 0 14
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   659,316 12,994 SH   DFND   12,994 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   8,236,117 162,320 SH   SOLE   162,320 0 0
KINDER MORGAN INC DEL COMMON Equities 49456B101   221,629 12,564 SH   SOLE   12,564 0 0
KROGER CO Equities 501044101   481,921 10,543 SH   SOLE   10,543 0 0
LILLY ELI & COMMON Equities 532457108   8,161 14 SH   DFND   14 0 0
LILLY ELI & COMMON Equities 532457108   1,037,015 1,779 SH   SOLE   1,771 0 8
LOWES COS INC COMMON Equities 548661107   22,255 100 SH   DFND   100 0 0
LOWES COS INC COMMON Equities 548661107   208,752 938 SH   SOLE   938 0 0
MASTERCARD CL A Equities 57636Q104   6,398 15 SH   DFND   15 0 0
MASTERCARD CL A Equities 57636Q104   574,935 1,348 SH   SOLE   1,348 0 0
MCDONALDS CORP COMMON Equities 580135101   299,179 1,009 SH   SOLE   1,009 0 0
MERCK & CO INC NEW Equities 58933Y105   662,297 6,075 SH   DFND   6,075 0 0
MERCK & CO INC NEW Equities 58933Y105   1,115,493 10,232 SH   SOLE   10,208 0 24
META PLATFORMS INC. Equities 30303M102   10,265 29 SH   DFND   29 0 0
META PLATFORMS INC. Equities 30303M102   1,053,739 2,977 SH   SOLE   2,951 0 26
METLIFE INC COMMON Equities 59156R108   203,614 3,079 SH   SOLE   3,079 0 0
MICROSOFT CORP Equities 594918104   50,389 134 SH   DFND   134 0 0
MICROSOFT CORP Equities 594918104   2,965,075 7,885 SH   SOLE   7,843 0 42
MOODYS CORP Equities 615369105   342,131 876 SH   SOLE   876 0 0
NETFLIX INC COMMON Equities 64110L106   249,283 512 SH   SOLE   512 0 0
NEXTERA ENERGY INC Equities 65339F101   239,984 3,951 SH   SOLE   3,951 0 0
NVIDIA CORP Equities 67066G104   8,914 18 SH   DFND   18 0 0
NVIDIA CORP Equities 67066G104   1,054,323 2,129 SH   SOLE   2,104 0 25
ORACLE CORP Equities 68389X105   105,430 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   308,172 2,923 SH   SOLE   2,923 0 0
PAYCHEX COMMON Equities 704326107   6,075 51 SH   DFND   51 0 0
PAYCHEX COMMON Equities 704326107   250,012 2,099 SH   SOLE   2,078 0 21
PEPSICO INC Equities 713448108   401,162 2,362 SH   SOLE   2,362 0 0
PFIZER INC Equities 717081103   113,433 3,940 SH   DFND   3,940 0 0
PFIZER INC Equities 717081103   232,594 8,079 SH   SOLE   8,079 0 0
PHILIP MORRIS INTL INC COMMON Equities 718172109   9,408 100 SH   DFND   100 0 0
PHILIP MORRIS INTL INC COMMON Equities 718172109   210,457 2,237 SH   SOLE   2,237 0 0
PROCTER & GAMBLE CO Equities 742718109   16,365,441 111,679 SH   SOLE   111,679 0 0
PRUDENTIAL FINL INC Equities 744320102   7,156 69 SH   DFND   69 0 0
PRUDENTIAL FINL INC Equities 744320102   278,876 2,689 SH   SOLE   2,665 0 24
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   392,766 4,668 SH   DFND   4,668 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   92,217 1,096 SH   SOLE   1,096 0 0
S&P GLOBAL INC COM Equities 78409V104   528,624 1,200 SH   DFND   1,200 0 0
S&P GLOBAL INC COM Equities 78409V104   232,154 527 SH   SOLE   527 0 0
SALESFORCE INC Equities 79466L302   8,420 32 SH   DFND   32 0 0
SALESFORCE INC Equities 79466L302   677,586 2,575 SH   SOLE   2,558 0 17
SCHWAB STRATEGIC TR Equities 808524805   346,611 9,378 SH   SOLE   9,378 0 0
SCHWAB STRATEGIC US DIVIDEND EQ Equities 808524797   215,143 2,826 SH   SOLE   2,826 0 0
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408   209,567 8,336 SH   DFND   8,336 0 0
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408   2,015,826 80,184 SH   SOLE   77,178 0 3,006
SPDR GOLD TR GOLD SHS Equities 78463V107   95,585 500 SH   DFND   500 0 0
SPDR GOLD TR GOLD SHS Equities 78463V107   152,745 799 SH   SOLE   799 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   541,378 1,139 SH   DFND   1,139 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   16,813,141 35,373 SH   SOLE   35,373 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   81,181 160 SH   DFND   160 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   1,604,336 3,162 SH   SOLE   3,147 0 15
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739   870,829 18,222 SH   SOLE   18,222 0 0
SYNOPSYS INC Equities 871607107   211,113 410 SH   SOLE   410 0 0
TARGET CORP Equities 87612E106   703,697 4,941 SH   SOLE   4,941 0 0
TECH SELECT SEC SPDR Equities 81369Y803   48,120 250 SH   DFND   250 0 0
TECH SELECT SEC SPDR Equities 81369Y803   962,977 5,003 SH   SOLE   5,003 0 0
TESLA MTRS INC Equities 88160R101   6,957 28 SH   DFND   28 0 0
TESLA MTRS INC Equities 88160R101   623,188 2,508 SH   SOLE   2,481 0 27
THE HOME DEPOT INC Equities 437076102   10,050 29 SH   DFND   29 0 0
THE HOME DEPOT INC Equities 437076102   669,188 1,931 SH   SOLE   1,923 0 8
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   5,308 10 SH   DFND   10 0 0
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   363,591 685 SH   SOLE   680 0 5
UNION PACIFIC CORP Equities 907818108   1,178,976 4,800 SH   DFND   4,800 0 0
UNION PACIFIC CORP Equities 907818108   189,864 773 SH   SOLE   773 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   8,950 17 SH   DFND   17 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   769,173 1,461 SH   SOLE   1,456 0 5
VANGUARD FTSE EMERGING MARKETS Equities 922042858   321,032 7,811 SH   DFND   7,811 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858   9,744,358 237,089 SH   SOLE   236,577 0 512
VANGUARD IND FD MID-CAP ETF Equities 922908629   337,095 1,449 SH   SOLE   1,449 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   35,186 214 SH   DFND   214 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   712,432 4,333 SH   SOLE   4,333 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   2,024,432 9,280 SH   DFND   9,280 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   27,501,516 126,067 SH   SOLE   126,067 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   2,263,863 44,346 SH   DFND   44,346 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   32,915,304 644,766 SH   SOLE   644,766 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   1,717,703 29,636 SH   DFND   29,636 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   60,334,389 1,040,966 SH   SOLE   1,040,966 0 0
VISA COMMON CL A Equities 92826C839   12,497 48 SH   DFND   48 0 0
VISA COMMON CL A Equities 92826C839   805,783 3,095 SH   SOLE   3,073 0 22
WAL-MART STORES COMMON Equities 931142103   336,267 2,133 SH   SOLE   2,133 0 0
WELLS FARGO & CO Equities 949746101   305,509 6,207 SH   SOLE   6,207 0 0