The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   79,018 581 SH   DFND 1 581 0 0
ABBOTT LABS COM 002824100   276,059 2,030 SH   SOLE   2,030 0 0
ABBVIE INC COM 00287Y109   1,888,613 10,175 SH   SOLE   10,175 0 0
ABBVIE INC COM 00287Y109   9,246 50 SH   DFND 1 50 0 0
ALPHABET INC CAP STK CL A 02079K305   24,126 137 SH   DFND 1 137 0 0
ALPHABET INC CAP STK CL C 02079K107   122,595 691 SH   DFND 1 691 0 0
ALPHABET INC CAP STK CL C 02079K107   1,712,939 9,656 SH   SOLE   9,656 0 0
ALPHABET INC CAP STK CL A 02079K305   1,569,106 8,904 SH   SOLE   8,904 0 0
ALTRIA GROUP INC COM 02209S103   263,632 4,497 SH   SOLE   4,497 0 0
AMERICAN EXPRESS CO COM 025816109   285,965 896 SH   SOLE   896 0 0
APPLE INC COM 037833100   11,728,731 57,166 SH   SOLE   57,166 0 0
APPLE INC COM 037833100   142,037 692 SH   DFND 1 692 0 0
APPLIED MATLS INC COM 038222105   18,645 102 SH   DFND 1 102 0 0
APPLIED MATLS INC COM 038222105   306,357 1,673 SH   SOLE   1,673 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   4,780,709 68,413 SH   SOLE   68,413 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   84,176 1,205 SH   DFND 1 1,205 0 0
AT&T INC COM 00206R102   941,626 32,537 SH   SOLE   32,537 0 0
BANCO SANTANDER S.A. ADR 05964H105   536,827 64,678 SH   SOLE   64,678 0 0
BANK AMERICA CORP COM 060505104   14,988 317 SH   DFND 1 317 0 0
BANK AMERICA CORP COM 060505104   1,657,104 35,019 SH   SOLE   35,019 0 0
BANK NOVA SCOTIA HALIFAX COM 064149107   933,555 16,891 SH   SOLE   16,891 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108   728,800 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,475,769 3,038 SH   SOLE   3,038 0 0
BLACKSTONE INC COM 09260D107   12,497 84 SH   DFND 1 84 0 0
BLACKSTONE INC COM 09260D107   2,510,945 16,787 SH   SOLE   16,787 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   2,647,143 55,929 SH   SOLE   55,929 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   16,777 354 SH   DFND 1 354 0 0
BROADCOM INC COM 11135F101   279,031 1,012 SH   DFND 1 1,012 0 0
BROADCOM INC COM 11135F101   4,346,299 15,767 SH   SOLE   15,767 0 0
BUNGE GLOBAL SA COM SHS H11356104   524 7 SH   DFND 1 7 0 0
BUNGE GLOBAL SA COM SHS H11356104   1,281,026 15,957 SH   SOLE   15,957 0 0
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   2,130,786 53,958 SH   SOLE   53,958 0 0
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   337,391 12,436 SH   SOLE   12,436 0 0
CAPITAL GRP FIXED INCM ETF T CORE BOND ETF 14020Y508   256,027 9,735 SH   SOLE   9,735 0 0
CATERPILLAR INC COM 149123101   1,261,889 3,251 SH   SOLE   3,251 0 0
CATERPILLAR INC COM 149123101   13,183 34 SH   DFND 1 34 0 0
CHEVRON CORP NEW COM 166764100   2,029,227 14,172 SH   SOLE   14,172 0 0
CHUBB LIMITED COM H1467J104   20,315 70 SH   DFND 1 70 0 0
CHUBB LIMITED COM H1467J104   3,363,176 11,608 SH   SOLE   11,608 0 0
CISCO SYS INC COM 17275R102   5,529,319 79,696 SH   SOLE   79,696 0 0
CONSOLIDATED EDISON INC COM 209115104   771,762 7,691 SH   SOLE   7,691 0 0
CSX CORP COM 126408103   30,409 932 SH   DFND 1 932 0 0
CSX CORP COM 126408103   2,061,979 63,193 SH   SOLE   63,193 0 0
CUMMINS INC COM 231021106   1,509,494 4,609 SH   SOLE   4,609 0 0
DANAHER CORPORATION COM 235851102   42,368 214 SH   DFND 1 214 0 0
DANAHER CORPORATION COM 235851102   447,257 2,264 SH   SOLE   2,264 0 0
DISNEY WALT CO COM 254687106   522,814 4,216 SH   SOLE   4,216 0 0
DOW INC COM 260557103   1,752,581 66,185 SH   SOLE   66,185 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204   1,498,733 12,701 SH   SOLE   12,701 0 0
DUPONT DE NEMOURS INC COM 26614N102   504,192 7,351 SH   SOLE   7,351 0 0
EOG RES INC COM 26875P101   1,303,120 10,895 SH   SOLE   10,895 0 0
EOG RES INC COM 26875P101   18,485 155 SH   DFND 1 155 0 0
EXPAND ENERGY CORPORATION COM 165167735   2,219,252 18,978 SH   SOLE   18,978 0 0
EXXON MOBIL CORP COM 30231G102   11,477 106 SH   DFND 1 106 0 0
EXXON MOBIL CORP COM 30231G102   3,357,951 31,150 SH   SOLE   31,150 0 0
FEDEX CORP COM 31428X106   23,479 103 SH   DFND 1 103 0 0
FEDEX CORP COM 31428X106   236,496 1,040 SH   SOLE   1,040 0 0
FIFTH THIRD BANCORP COM 316773100   1,467,243 35,673 SH   SOLE   35,673 0 0
GE AEROSPACE COM NEW 369604301   101,059 393 SH   DFND 1 393 0 0
GE AEROSPACE COM NEW 369604301   142,708 554 SH   SOLE   554 0 0
GENERAL DYNAMICS CORP COM 369550108   987,864 3,387 SH   SOLE   3,387 0 0
HOME DEPOT INC COM 437076102   21,083 58 SH   DFND 1 58 0 0
HOME DEPOT INC COM 437076102   959,429 2,617 SH   SOLE   2,617 0 0
HONEYWELL INTL INC COM 438516106   29,429 126 SH   DFND 1 126 0 0
HONEYWELL INTL INC COM 438516106   1,701,912 7,308 SH   SOLE   7,308 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   277,220 940 SH   SOLE   940 0 0
JOHNSON & JOHNSON COM 478160104   286,670 1,877 SH   SOLE   1,877 0 0
JPMORGAN CHASE & CO. COM 46625H100   133,882 462 SH   DFND 1 462 0 0
JPMORGAN CHASE & CO. COM 46625H100   3,967,548 13,685 SH   SOLE   13,685 0 0
KLA CORP COM NEW 482480100   251,573 281 SH   SOLE   281 0 0
LOCKHEED MARTIN CORP COM 539830109   1,216,653 2,627 SH   SOLE   2,627 0 0
MERCK & CO INC COM 58933Y105   619,996 7,832 SH   SOLE   7,832 0 0
META PLATFORMS INC CL A 30303M102   93,106 126 SH   SOLE   126 0 0
META PLATFORMS INC CL A 30303M102   111,896 152 SH   DFND 1 152 0 0
MICRON TECHNOLOGY INC COM 595112103   1,594,976 12,941 SH   SOLE   12,941 0 0
MICRON TECHNOLOGY INC COM 595112103   4,664 38 SH   DFND 1 38 0 0
MICROSOFT CORP COM 594918104   739,467 1,487 SH   SOLE   1,487 0 0
MICROSOFT CORP COM 594918104   296,059 595 SH   DFND 1 595 0 0
NUVEEN MUN VALUE FD INC COM 670928100   176,108 20,266 SH   SOLE   20,266 0 0
NVIDIA CORPORATION COM 67066G104   63,374 401 SH   DFND 1 401 0 0
NVIDIA CORPORATION COM 67066G104   2,019,613 12,783 SH   SOLE   12,783 0 0
OLD REP INTL CORP COM 680223104   5,932,369 154,328 SH   SOLE   154,328 0 0
PHILIP MORRIS INTL INC COM 718172109   131,398 721 SH   DFND 1 721 0 0
PHILIP MORRIS INTL INC COM 718172109   4,885,987 26,827 SH   SOLE   26,827 0 0
PRUDENTIAL FINL INC COM 744320102   3,113,531 28,979 SH   SOLE   28,979 0 0
QUALCOMM INC COM 747525103   5,201,819 32,662 SH   SOLE   32,662 0 0
RTX CORPORATION COM 75513E101   14,175 97 SH   DFND 1 97 0 0
RTX CORPORATION COM 75513E101   4,810,931 32,947 SH   SOLE   32,947 0 0
SOUTHERN CO COM 842587107   15,752 172 SH   DFND 1 172 0 0
SOUTHERN CO COM 842587107   396,251 4,315 SH   SOLE   4,315 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   1,341,731 21,856 SH   SOLE   21,856 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   39,691 647 SH   DFND 1 647 0 0
UBS GROUP AG SHS H42097107   2,066,844 61,113 SH   SOLE   61,113 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   255,843 5,173 SH   SOLE   5,173 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   1,343,607 31,052 SH   SOLE   31,052 0 0