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    <nameOfIssuer>AGNICO EAGLE MINES LTD COM</nameOfIssuer>
    <titleOfClass>NON US EQUITY</titleOfClass>
    <cusip>008474108</cusip>
    <value>102703</value>
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      <Sole>2432</Sole>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL CL B NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670702</cusip>
    <value>20080972</value>
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    <otherManager>1</otherManager>
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      <Sole>75204</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP CL A (NEW)</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>20030N101</cusip>
    <value>56900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17275R102</cusip>
    <value>1578000</value>
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      <sshPrnamt>39450</sshPrnamt>
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      <Sole>39450</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CORTEVA INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>22052L104</cusip>
    <value>108356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>1</otherManager>
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      <Sole>1896</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25746U109</cusip>
    <value>80513</value>
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      <sshPrnamt>1165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>1</otherManager>
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      <Sole>1165</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26614N102</cusip>
    <value>80590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1599</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INC COM</nameOfIssuer>
    <titleOfClass>NON US EQUITY</titleOfClass>
    <cusip>29250N105</cusip>
    <value>2841712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>1</otherManager>
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      <Sole>76596</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EOG RESOURCES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26875P101</cusip>
    <value>67038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
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    <nameOfIssuer>EQUITY COMMONWEALTH</nameOfIssuer>
    <titleOfClass>REAL ESTATE INVESTMENT TRUST</titleOfClass>
    <cusip>294628102</cusip>
    <value>82580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BARRICK GOLD CORP</nameOfIssuer>
    <titleOfClass>NON US EQUITY</titleOfClass>
    <cusip>067901108</cusip>
    <value>75640</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>4880</Sole>
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      <None>0</None>
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    <nameOfIssuer>GUIDEWIRE SOFTWARE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>40171V100</cusip>
    <value>22477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INGREDION INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>457187102</cusip>
    <value>65624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>815</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>JONES LANG LASALLE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>48020Q107</cusip>
    <value>21301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>LOEWS CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>540424108</cusip>
    <value>97686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>NON US EQUITY</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>62178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>770</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>1976712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22953</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22953</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>855244109</cusip>
    <value>154364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1832</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TJX COS INC NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>872540109</cusip>
    <value>29507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THE TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
    <value>147072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>UNILEVER PLC SPON ADR NEW</nameOfIssuer>
    <titleOfClass>ADR / IDR / GDR</titleOfClass>
    <cusip>904767704</cusip>
    <value>116834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92343V104</cusip>
    <value>1162110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALLEGHANY CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>017175100</cusip>
    <value>83937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR BLOOMBERG 1-3 MO</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>78468R663</cusip>
    <value>231748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ADVANCED AUTO PARTS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>00751Y106</cusip>
    <value>21106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>APPLE INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>037833100</cusip>
    <value>1485926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10752</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ABBVIE INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>144142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1074</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ABBOTT LABORATORIES</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>002824100</cusip>
    <value>14998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ACCENTURE PLC</nameOfIssuer>
    <titleOfClass>NON US EQUITY</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>88769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>345</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADOBE INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>00724F101</cusip>
    <value>30272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>110</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053015103</cusip>
    <value>105631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>467</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>467</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>001055102</cusip>
    <value>12364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GALLAGHER ARTHUR J</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>363576109</cusip>
    <value>9417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ALLSTATE CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>020002101</cusip>
    <value>66250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>532</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>02043Q107</cusip>
    <value>80264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>401</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>031162100</cusip>
    <value>127802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>567</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERIPRISE FINANCIAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>03076C106</cusip>
    <value>87931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>349</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>349</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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      <Sole>31</Sole>
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    <nameOfIssuer>AMAZON.COM INC</nameOfIssuer>
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    <cusip>023135106</cusip>
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      <Sole>7878</Sole>
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      <None>0</None>
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    <nameOfIssuer>APTIV PLC SHS</nameOfIssuer>
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    <cusip>G6095L109</cusip>
    <value>84780</value>
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      <sshPrnamt>1084</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>1084</Sole>
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      <None>0</None>
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    <nameOfIssuer>ASML HOLDING NV</nameOfIssuer>
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    <cusip>N07059210</cusip>
    <value>6230</value>
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      <Sole>15</Sole>
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      <None>0</None>
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    <nameOfIssuer>ATHENE HOLDING LTD PFD</nameOfIssuer>
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    <cusip>04686J309</cusip>
    <value>12408</value>
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    <nameOfIssuer>BROADCOM INC COM</nameOfIssuer>
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    <cusip>11135F101</cusip>
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      <None>0</None>
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    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
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    <cusip>025816109</cusip>
    <value>2159</value>
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      <Sole>16</Sole>
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    <nameOfIssuer>BOEING CO</nameOfIssuer>
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    <cusip>097023105</cusip>
    <value>24216</value>
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      <sshPrnamt>200</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>060505104</cusip>
    <value>74805</value>
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      <sshPrnamt>2477</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>2477</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANK OF NEW YORK MELLON CORP</nameOfIssuer>
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    <cusip>064058100</cusip>
    <value>62942</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1634</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOOKING HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09857L108</cusip>
    <value>443667</value>
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      <sshPrnamt>270</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>110122108</cusip>
    <value>20829</value>
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      <sshPrnamt>293</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>293</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROADRIDGE FINANCIAL SOLUTIONS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>11133T103</cusip>
    <value>67975</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>471</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BRITISH AMERICAN TOBACCO PLC SPON ADR</nameOfIssuer>
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    <cusip>110448107</cusip>
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      <sshPrnamt>36388</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>36388</Sole>
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      <None>0</None>
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    <nameOfIssuer>CATERPILLAR INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>149123101</cusip>
    <value>1313789</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>8007</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHEMOURS CO/THE</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>163851108</cusip>
    <value>641</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>26</Sole>
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      <None>0</None>
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    <nameOfIssuer>CELANESE CORP DEL COM</nameOfIssuer>
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    <cusip>150870103</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>495</Sole>
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      <None>0</None>
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    <nameOfIssuer>CF INDUSTRIES HLDGS</nameOfIssuer>
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    <cusip>125269100</cusip>
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      <Sole>585</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHARTER COMMUNICATIONS INC CLASS A</nameOfIssuer>
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    <cusip>16119P108</cusip>
    <value>2123</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>7</Sole>
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    <nameOfIssuer>CHINA STL CORP SPON ADR</nameOfIssuer>
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    <cusip>169417102</cusip>
    <value>34</value>
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      <sshPrnamt>2</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2</Sole>
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      <None>0</None>
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    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>10628</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <None>0</None>
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    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
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    <cusip>231021106</cusip>
    <value>57186</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>281</Sole>
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      <None>0</None>
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    <nameOfIssuer>CAPITAL ONE FINANCIAL CORP</nameOfIssuer>
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    <cusip>14040H105</cusip>
    <value>59357</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>644</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
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    <cusip>20825C104</cusip>
    <value>90673</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>886</Sole>
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      <None>0</None>
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    <nameOfIssuer>CENCORA INC COM</nameOfIssuer>
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    <cusip>03073E105</cusip>
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    <otherManager>1</otherManager>
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      <Sole>4022</Sole>
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      <None>0</None>
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    <nameOfIssuer>COSTCO WHOLESALE CORP</nameOfIssuer>
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    <cusip>22160K105</cusip>
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      <Sole>1025</Sole>
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      <None>0</None>
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    <nameOfIssuer>CSX CORP</nameOfIssuer>
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    <cusip>126408103</cusip>
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      <Sole>6320</Sole>
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    <nameOfIssuer>CINTAS CORP</nameOfIssuer>
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    <nameOfIssuer>CVS HEALTH CORP COM</nameOfIssuer>
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    <cusip>126650100</cusip>
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    <nameOfIssuer>CHEVRON CORP NEW COM</nameOfIssuer>
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    <cusip>166764100</cusip>
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    <nameOfIssuer>DANAHER CORPORATION COM</nameOfIssuer>
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    <cusip>235851102</cusip>
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    <nameOfIssuer>DISNEY WALT CO COM</nameOfIssuer>
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    <cusip>254687106</cusip>
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    <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
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    <cusip>253393102</cusip>
    <value>100978</value>
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      <Sole>965</Sole>
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    <nameOfIssuer>DANIMER SCIENTIFIC INC COM CL A</nameOfIssuer>
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    <cusip>236272100</cusip>
    <value>1475</value>
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    <nameOfIssuer>DOW INC COM</nameOfIssuer>
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    <cusip>260557103</cusip>
    <value>2680</value>
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      <None>0</None>
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    <nameOfIssuer>DARDEN RESTAURANTS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>237194105</cusip>
    <value>120762</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>956</Sole>
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    <nameOfIssuer>DTE ENERGY CO COM</nameOfIssuer>
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    <cusip>233331107</cusip>
    <value>55454</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>482</Sole>
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    <nameOfIssuer>ISHARES SELECT DIVIDEND ETF</nameOfIssuer>
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    <cusip>464287168</cusip>
    <value>2681</value>
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    <nameOfIssuer>ECOLAB INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278865100</cusip>
    <value>116980</value>
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      <sshPrnamt>810</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>810</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>209115104</cusip>
    <value>1647107</value>
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    <otherManager>1</otherManager>
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      <Sole>19206</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>036752103</cusip>
    <value>504206</value>
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      <sshPrnamt>1110</sshPrnamt>
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      <Sole>1110</Sole>
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      <None>0</None>
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    <nameOfIssuer>EPAM SYSTEMS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>29414B104</cusip>
    <value>237959</value>
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      <sshPrnamt>657</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>EVERSOURCE ENERGY COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30040W108</cusip>
    <value>7016</value>
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      <None>0</None>
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    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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    <cusip>G29183103</cusip>
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      <sshPrnamt>12200</sshPrnamt>
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      <Sole>12200</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>28176E108</cusip>
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      <sshPrnamt>165</sshPrnamt>
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      <Sole>165</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ISHARES MSCI HONG KONG ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>464286871</cusip>
    <value>7314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>401</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FISERV INC COM</nameOfIssuer>
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    <cusip>337738108</cusip>
    <value>503032</value>
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      <sshPrnamt>5376</sshPrnamt>
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      <Sole>5376</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FIDELITY NATL INFORMATION SVC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31620M106</cusip>
    <value>473522</value>
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    <otherManager>1</otherManager>
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      <Sole>6266</Sole>
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      <None>0</None>
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    <nameOfIssuer>THE FIDELITY MSCI FINANCIALS INDEX ETF</nameOfIssuer>
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    <cusip>316092501</cusip>
    <value>25073</value>
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      <sshPrnamt>582</sshPrnamt>
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      <Sole>582</Sole>
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      <None>0</None>
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    <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC CL A</nameOfIssuer>
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    <cusip>339750101</cusip>
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      <Sole>2891</Sole>
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      <None>0</None>
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    <nameOfIssuer>GENERAL ELECTRIC CO COM NEW</nameOfIssuer>
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    <cusip>369604301</cusip>
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      <None>0</None>
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    <nameOfIssuer>SPDR GOLD TRUST ETF</nameOfIssuer>
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      <sshPrnamt>3147</sshPrnamt>
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      <Sole>3147</Sole>
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      <None>0</None>
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    <nameOfIssuer>ALPHABET INC CAP STK CL C</nameOfIssuer>
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    <cusip>02079K107</cusip>
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      <Sole>520</Sole>
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      <None>0</None>
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    <nameOfIssuer>ALPHABET INC CL A</nameOfIssuer>
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    <cusip>02079K305</cusip>
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      <sshPrnamt>15600</sshPrnamt>
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      <Sole>15600</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WW GRAINGER INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>384802104</cusip>
    <value>29351</value>
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      <sshPrnamt>60</sshPrnamt>
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      <Sole>60</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HASBRO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>418056107</cusip>
    <value>15170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>225</Sole>
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      <None>0</None>
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    <nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>446150104</cusip>
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      <None>0</None>
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    <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>40412C101</cusip>
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      <None>0</None>
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    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>437076102</cusip>
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      <None>0</None>
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    <nameOfIssuer>HP INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>40434L105</cusip>
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      <Sole>4660</Sole>
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      <None>0</None>
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    <nameOfIssuer>HOST HOTELS &amp; RESORTS INC</nameOfIssuer>
    <titleOfClass>REAL ESTATE INVESTMENT TRUST</titleOfClass>
    <cusip>44107P104</cusip>
    <value>118830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7483</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>7483</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES GOLD TR ISHARES NEW ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>464285204</cusip>
    <value>989790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31392</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>31392</Sole>
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      <None>0</None>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>459200101</cusip>
    <value>256273</value>
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      <Sole>2157</Sole>
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      <None>0</None>
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    <nameOfIssuer>iSHARES CORE MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>46432F842</cusip>
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      <sshPrnamt>2293</sshPrnamt>
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      <Sole>2293</Sole>
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      <None>0</None>
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    <nameOfIssuer>INTERNATIONAL FLAVORS &amp; FRAGRANCES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>459506101</cusip>
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    <nameOfIssuer>ISHARES CORE S&amp;P MIDCAP ETF</nameOfIssuer>
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    <cusip>464287507</cusip>
    <value>388967</value>
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      <Sole>1774</Sole>
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      <None>0</None>
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    <nameOfIssuer>INTEL CORP</nameOfIssuer>
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    <cusip>458140100</cusip>
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    <nameOfIssuer>INTUIT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>461202103</cusip>
    <value>30986</value>
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      <None>0</None>
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    <nameOfIssuer>IONIS PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>462222100</cusip>
    <value>49803</value>
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    <nameOfIssuer>IQVIA HLDGS INC COM</nameOfIssuer>
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    <cusip>46266C105</cusip>
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    <nameOfIssuer>ISHARES TR CORE S&amp;P500 ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>464287200</cusip>
    <value>6430236</value>
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      <Sole>17929</Sole>
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    <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>464287655</cusip>
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      <None>0</None>
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    <nameOfIssuer>ISHARES RUSSELL 2000 VALUE ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>464287630</cusip>
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      <None>0</None>
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    <nameOfIssuer>ISHARES RUSSELL 2000 GROWTH ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>464287648</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>464287499</cusip>
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    <nameOfIssuer>ISHARES RUSSELL MIDCAP VALUE ETF</nameOfIssuer>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
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    <nameOfIssuer>KEYSIGHT TECHNOLOGIES INC</nameOfIssuer>
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    <nameOfIssuer>KLA CORPORATION COM</nameOfIssuer>
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    <nameOfIssuer>CARMAX INC</nameOfIssuer>
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    <nameOfIssuer>COCA COLA CO COM</nameOfIssuer>
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    <nameOfIssuer>KOHLS CORP</nameOfIssuer>
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    <nameOfIssuer>LITTELFUSE INC</nameOfIssuer>
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    <cusip>537008104</cusip>
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      <Sole>482</Sole>
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    <nameOfIssuer>LKQ CORP</nameOfIssuer>
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    <nameOfIssuer>LILLY ELI &amp; CO COM</nameOfIssuer>
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    <cusip>532457108</cusip>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
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    <nameOfIssuer>ALLIANT ENERGY CORPORATION</nameOfIssuer>
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    <cusip>018802108</cusip>
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      <Sole>28268</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOWES COMPANIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>548661107</cusip>
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      <Sole>518</Sole>
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      <None>0</None>
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    <nameOfIssuer>LPL FINANCIAL HOLDINGS INC</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>LYONDELLBASELL INDUSTRIES CL A</nameOfIssuer>
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    <nameOfIssuer>LYFT INC CL A COM</nameOfIssuer>
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    <nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer>
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    <cusip>57636Q104</cusip>
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    <nameOfIssuer>MID-AMERICA APARTMENT COMM</nameOfIssuer>
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    <nameOfIssuer>MARRIOT INTERNATIONAL CL A</nameOfIssuer>
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    <cusip>571903202</cusip>
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    <nameOfIssuer>MASCO CORP</nameOfIssuer>
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    <nameOfIssuer>MASIMO CORPORATION</nameOfIssuer>
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    <cusip>574795100</cusip>
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    <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
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    <cusip>58155Q103</cusip>
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    <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
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    <cusip>609207105</cusip>
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    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TRUS</nameOfIssuer>
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    <cusip>78467Y107</cusip>
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      <sshPrnamt>724</sshPrnamt>
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    <nameOfIssuer>METLIFE INC</nameOfIssuer>
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    <cusip>59156R108</cusip>
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    <nameOfIssuer>META PLATFORMS INC CL A COM</nameOfIssuer>
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    <nameOfIssuer>3M CO COM</nameOfIssuer>
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    <cusip>02209S103</cusip>
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    <nameOfIssuer>MARATHON PETROLEUM CORP</nameOfIssuer>
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    <cusip>56585A102</cusip>
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    <nameOfIssuer>MICROSOFT CORP COM</nameOfIssuer>
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    <value>1291431</value>
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    <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer>
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    <cusip>65339F101</cusip>
    <value>70569</value>
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    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>64110L106</cusip>
    <value>157980</value>
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      <sshPrnamt>671</sshPrnamt>
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    <nameOfIssuer>NIKE INC CL B COM</nameOfIssuer>
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    <cusip>654106103</cusip>
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      <Sole>335</Sole>
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    <nameOfIssuer>NNN REIT INC COM</nameOfIssuer>
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    <cusip>637417106</cusip>
    <value>7573</value>
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      <sshPrnamt>190</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>190</Sole>
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    <cusip>666807102</cusip>
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    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
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    <nameOfIssuer>NVIDIA CORP</nameOfIssuer>
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    <cusip>67066G104</cusip>
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      <None>0</None>
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    <nameOfIssuer>NOVARTIS AG SPON ADR</nameOfIssuer>
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    <cusip>66987V109</cusip>
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      <sshPrnamt>195</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>195</Sole>
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      <None>0</None>
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    <nameOfIssuer>OLD DOMINION FREIGHT LINE</nameOfIssuer>
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    <cusip>679580100</cusip>
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      <Sole>535</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES S&amp;P 100 ETF</nameOfIssuer>
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    <cusip>464287101</cusip>
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      <sshPrnamt>475</sshPrnamt>
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      <Sole>475</Sole>
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      <None>0</None>
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    <nameOfIssuer>ORGANON &amp; CO COMMON STOCK COM</nameOfIssuer>
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    <cusip>68622V106</cusip>
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      <Sole>36</Sole>
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      <None>0</None>
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    <nameOfIssuer>OMEGA HEALTHCARE INVESTORS</nameOfIssuer>
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    <cusip>681936100</cusip>
    <value>18874</value>
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      <sshPrnamt>640</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>640</Sole>
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      <None>0</None>
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    <nameOfIssuer>ON SEMICONDUCTOR CORP COM</nameOfIssuer>
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    <cusip>682189105</cusip>
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      <Sole>5195</Sole>
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      <None>0</None>
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    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
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    <cusip>68389X105</cusip>
    <value>4825</value>
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      <sshPrnamt>79</sshPrnamt>
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      <Sole>79</Sole>
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      <None>0</None>
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    <nameOfIssuer>PAYCOM SOFTWARE INC</nameOfIssuer>
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    <cusip>70432V102</cusip>
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      <sshPrnamt>793</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>793</Sole>
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    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
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    <cusip>704326107</cusip>
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    <otherManager>1</otherManager>
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      <Sole>15445</Sole>
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      <None>0</None>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP</nameOfIssuer>
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    <cusip>744573106</cusip>
    <value>70625</value>
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      <Sole>1256</Sole>
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    <nameOfIssuer>PEPSICO INC COM</nameOfIssuer>
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    <cusip>713448108</cusip>
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      <Sole>254</Sole>
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    <nameOfIssuer>PFIZER INC COM</nameOfIssuer>
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    <cusip>717081103</cusip>
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      <Sole>42925</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
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    <cusip>742718109</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>519</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO EXCHNG TRADED FD TR II PFD ETF</nameOfIssuer>
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    <cusip>46138E511</cusip>
    <value>450787</value>
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      <sshPrnamt>37945</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>37945</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROLOGIS INC</nameOfIssuer>
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    <cusip>74340W103</cusip>
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      <sshPrnamt>101</sshPrnamt>
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      <Sole>101</Sole>
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      <None>0</None>
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    <nameOfIssuer>PHILIP MORRIS INTL INC COM</nameOfIssuer>
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    <cusip>718172109</cusip>
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      <Sole>2293</Sole>
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      <None>0</None>
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    <nameOfIssuer>PNC FINANCIAL SERVICES GROUP INC</nameOfIssuer>
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    <cusip>693475105</cusip>
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    <nameOfIssuer>PRIMERICA INC</nameOfIssuer>
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    <cusip>74164M108</cusip>
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    <nameOfIssuer>PRUDENTIAL FINANCIAL INC</nameOfIssuer>
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    <cusip>744320102</cusip>
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      <Sole>16395</Sole>
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    <nameOfIssuer>PHILLIPS 66 COM</nameOfIssuer>
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    <cusip>718546104</cusip>
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      <Sole>96</Sole>
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    <nameOfIssuer>QUANTA SERVICES INC</nameOfIssuer>
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    <cusip>74762E102</cusip>
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      <Sole>419</Sole>
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    <nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer>
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    <cusip>70450Y103</cusip>
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      <Sole>715</Sole>
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    <nameOfIssuer>ROBLOX CORP CL A COM</nameOfIssuer>
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      <Sole>8915</Sole>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>75886F107</cusip>
    <value>89553</value>
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      <Sole>130</Sole>
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    <nameOfIssuer>RH</nameOfIssuer>
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    <cusip>74967X103</cusip>
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    <nameOfIssuer>ROBERT HALF INC COM</nameOfIssuer>
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    <cusip>770323103</cusip>
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    <nameOfIssuer>ROPER TECHNOLOGIES INC COM</nameOfIssuer>
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    <cusip>776696106</cusip>
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    <cusip>75513E101</cusip>
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    <nameOfIssuer>SHELL PLC SPON ADS ADR</nameOfIssuer>
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    <cusip>780259305</cusip>
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      <sshPrnamt>3006</sshPrnamt>
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    <cusip>824348106</cusip>
    <value>216216</value>
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    <nameOfIssuer>S&amp;P GLOBAL INC COM</nameOfIssuer>
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    <cusip>78409V104</cusip>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>S&amp;P 500 DR (SPDRS)</nameOfIssuer>
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    <cusip>78462F103</cusip>
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    <nameOfIssuer>SPDR SERIES TRUST PRTFLO S&amp;P500 GW ETF</nameOfIssuer>
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    <nameOfIssuer>SEMPRA COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>816851109</cusip>
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      <Sole>110</Sole>
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      <None>0</None>
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    <nameOfIssuer>STATE STREET CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>857477103</cusip>
    <value>13378</value>
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      <sshPrnamt>220</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>220</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONSTELLATION BRANDS INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>21036P108</cusip>
    <value>100600</value>
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      <sshPrnamt>438</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>438</Sole>
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      <None>0</None>
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    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>854502101</cusip>
    <value>40839</value>
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      <sshPrnamt>543</sshPrnamt>
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      <Sole>543</Sole>
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    <nameOfIssuer>STRYKER CORPORATION COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>863667101</cusip>
    <value>119701</value>
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      <sshPrnamt>591</sshPrnamt>
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      <Sole>591</Sole>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC.</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>00206R102</cusip>
    <value>153584</value>
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      <sshPrnamt>10012</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>TRUIST FINL CORP COM</nameOfIssuer>
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    <cusip>89832Q109</cusip>
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      <None>0</None>
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    <nameOfIssuer>TARGET CORP</nameOfIssuer>
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    <cusip>87612E106</cusip>
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      <Sole>1200</Sole>
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      <None>0</None>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC COM</nameOfIssuer>
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    <cusip>883556102</cusip>
    <value>82672</value>
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      <sshPrnamt>163</sshPrnamt>
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      <Sole>163</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRANSUNION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89400J107</cusip>
    <value>4759</value>
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      <sshPrnamt>80</sshPrnamt>
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      <Sole>80</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
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      <Sole>105</Sole>
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      <None>0</None>
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    <nameOfIssuer>TAIWAN SEMICONDUCTOR SPONS ADR</nameOfIssuer>
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    <cusip>874039100</cusip>
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      <sshPrnamt>5906</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>5906</Sole>
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      <None>0</None>
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    <nameOfIssuer>TYSON FOODS INC CL A</nameOfIssuer>
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    <cusip>902494103</cusip>
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      <Sole>1042</Sole>
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      <None>0</None>
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    <nameOfIssuer>THE TRADE DESK INC-CLASS A</nameOfIssuer>
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    <cusip>88339J105</cusip>
    <value>290086</value>
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    <otherManager>1</otherManager>
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      <Sole>4855</Sole>
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      <None>0</None>
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    <nameOfIssuer>TTEC HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89854H102</cusip>
    <value>53615</value>
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      <Sole>1210</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
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    <cusip>882508104</cusip>
    <value>14549</value>
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      <sshPrnamt>94</sshPrnamt>
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      <Sole>94</Sole>
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      <None>0</None>
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    <nameOfIssuer>UBER TECHNOLOGIES INC COM</nameOfIssuer>
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    <cusip>90353T100</cusip>
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      <Sole>6006</Sole>
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      <None>0</None>
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    <nameOfIssuer>UGI CORP NEW (HOLDING CO)</nameOfIssuer>
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    <nameOfIssuer>ULTA BEAUTY INC</nameOfIssuer>
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    <cusip>90384S303</cusip>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC COM</nameOfIssuer>
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    <cusip>91324P102</cusip>
    <value>789378</value>
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    <nameOfIssuer>UNION PACIFIC CORP COM</nameOfIssuer>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC CL B</nameOfIssuer>
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    <nameOfIssuer>U S BANCORP NEW</nameOfIssuer>
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    <cusip>902973304</cusip>
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    <nameOfIssuer>VISA INC COM CL A</nameOfIssuer>
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    <cusip>92826C839</cusip>
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    <nameOfIssuer>VANGUARD INDEX FDS SMALL CP ETF</nameOfIssuer>
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    <cusip>922908751</cusip>
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      <Sole>2638</Sole>
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    <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKETS ETF</nameOfIssuer>
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    <cusip>921943858</cusip>
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    <nameOfIssuer>VANGUARD INFORMATION TECHNOLOGY INDEX</nameOfIssuer>
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    <nameOfIssuer>VANGUARD HEALTH CARE</nameOfIssuer>
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    <value>14764</value>
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    <cusip>921908844</cusip>
    <value>13921</value>
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    <nameOfIssuer>VALERO ENERGY CORP NEW</nameOfIssuer>
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    <cusip>91913Y100</cusip>
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    <nameOfIssuer>VANGUARD INDEX FDS REAL ESTATE ETF</nameOfIssuer>
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    <cusip>922908553</cusip>
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    <nameOfIssuer>VERISIGN INC</nameOfIssuer>
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    <cusip>92343E102</cusip>
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    <cusip>922908769</cusip>
    <value>315867</value>
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    <nameOfIssuer>VIATRIS INC COM</nameOfIssuer>
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    <cusip>92556V106</cusip>
    <value>1440</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    </votingAuthority>
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    <nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
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    <cusip>922908744</cusip>
    <value>459963</value>
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      <Sole>3725</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
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    <cusip>922908736</cusip>
    <value>218871</value>
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      <sshPrnamt>1023</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX FDS FTSE ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>922042858</cusip>
    <value>49809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1365</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TOTAL INTL STOCK ET</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>921909768</cusip>
    <value>326844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD HIGH DIVIDEND YIELD ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>921946406</cusip>
    <value>370696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3907</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABTEC CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>929740108</cusip>
    <value>54911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>931427108</cusip>
    <value>83398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2656</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC COM SER A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>934423104</cusip>
    <value>3094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>269</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WORKDAY INC COM CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98138H101</cusip>
    <value>15222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>949746101</cusip>
    <value>8285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>206</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>963320106</cusip>
    <value>14155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>105</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>94106L109</cusip>
    <value>1898328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11849</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTBURY METALS GRP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>957289101</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>931142103</cusip>
    <value>84824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>654</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30231G102</cusip>
    <value>22439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>988498101</cusip>
    <value>22650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM CHINA HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98850P109</cusip>
    <value>10081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZEBRA TECH CORP CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>989207105</cusip>
    <value>64192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC CL A COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98978V103</cusip>
    <value>245420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1655</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHINA MED TECH INC ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>169483104</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTERMEDIATE TERM BD ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>921937819</cusip>
    <value>173266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2358</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO ETF TR II S&amp;P GBL WATER</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>46138E263</cusip>
    <value>60564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR BLOOMBERG CONV</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>78464A359</cusip>
    <value>150591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2379</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR BLOOMBERG INVT</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>78468R200</cusip>
    <value>91658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR IBOXX HI YD ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>464288513</cusip>
    <value>17134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR IBONDS 23 TRM TS ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>46436E882</cusip>
    <value>1089880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR NATIONAL MUN ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>464288414</cusip>
    <value>148741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR PFD AND INCM SEC</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>464288687</cusip>
    <value>51780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1635</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR NUVEEN BLMBRG SH</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>78468R739</cusip>
    <value>55308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 1-3 YEAR TREASURY BOND ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>464287457</cusip>
    <value>511217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST PORTFOLIO SHORT ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>78464A474</cusip>
    <value>555005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18994</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 0 5 YEAR TIPS BOND ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>46429B747</cusip>
    <value>15666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>163</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOUBLELINE TR TACT ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>78467V848</cusip>
    <value>562239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13993</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR IBONDS 22 TRM TS ETF</nameOfIssuer>
    <titleOfClass>EXCHANGE-TRADED FUND</titleOfClass>
    <cusip>46436E809</cusip>
    <value>902615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>35550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
