<informationTable xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns="http://www.sec.gov/edgar/document/thirteenf/informationtable">
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    <nameOfIssuer>CMB.TECH NV                   </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>B38564108</cusip>
    <value>88035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9760</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>9760</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DEUTSCHE BANK A G             </nameOfIssuer>
    <titleOfClass>NAMEN AKT       </titleOfClass>
    <cusip>D18190898</cusip>
    <value>39294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1342</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1342</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADIENT PLC                    </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G0084W101</cusip>
    <value>41508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2133</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2116</Sole>
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      <None>17</None>
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    <nameOfIssuer>ALLEGION PLC                  </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G0176J109</cusip>
    <value>343006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2380</sshPrnamt>
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      <Sole>2374</Sole>
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      <None>6</None>
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    <nameOfIssuer>ALKERMES PLC                  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G01767105</cusip>
    <value>31929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1116</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1109</Sole>
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      <None>7</None>
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    <nameOfIssuer>AMCOR PLC                     </nameOfIssuer>
    <titleOfClass>ORD             </titleOfClass>
    <cusip>G0250X107</cusip>
    <value>647279</value>
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      <sshPrnamt>70433</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>69520</Sole>
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      <None>913</None>
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  <infoTable>
    <nameOfIssuer>AMER SPORTS INC               </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>G0260P102</cusip>
    <value>3566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>92</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMDOCS LTD                    </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G02602103</cusip>
    <value>684847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>7506</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMBARELLA INC                 </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G037AX101</cusip>
    <value>20150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>305</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ANGLOGOLD ASHANTI PLC         </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>G0378L100</cusip>
    <value>1185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>26</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AON PLC                       </nameOfIssuer>
    <titleOfClass>SHS CL A        </titleOfClass>
    <cusip>G0403H108</cusip>
    <value>9078472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25314</Sole>
      <Shared>0</Shared>
      <None>133</None>
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  <infoTable>
    <nameOfIssuer>ARCH CAP GROUP LTD            </nameOfIssuer>
    <titleOfClass>ORD             </titleOfClass>
    <cusip>G0450A105</cusip>
    <value>536011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5887</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5826</Sole>
      <Shared>0</Shared>
      <None>61</None>
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  <infoTable>
    <nameOfIssuer>ARQIT QUANTUM INC             </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>G0567U127</cusip>
    <value>8332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ASSURED GUARANTY LTD          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G0585R106</cusip>
    <value>75254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>861</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AXIS CAP HLDGS LTD            </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G0692U109</cusip>
    <value>199854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>1890</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AXALTA COATING SYS LTD        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G0750C108</cusip>
    <value>95067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3180</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANK OF NT BUTTERFIELD&amp;SON L  </nameOfIssuer>
    <titleOfClass>SHS NEW         </titleOfClass>
    <cusip>G0772R208</cusip>
    <value>42730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>965</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND         </nameOfIssuer>
    <titleOfClass>SHS CLASS A     </titleOfClass>
    <cusip>G1151C101</cusip>
    <value>110466755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>318045</Sole>
      <Shared>0</Shared>
      <None>51545</None>
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  <infoTable>
    <nameOfIssuer>BROOKFIELD INFRAST PARTNERS   </nameOfIssuer>
    <titleOfClass>LP INT UNIT     </titleOfClass>
    <cusip>G16252101</cusip>
    <value>13903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>415</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BROOKFIELD RENEWABLE PARTNER  </nameOfIssuer>
    <titleOfClass>PARTNERSHIP UNIT</titleOfClass>
    <cusip>G16258108</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
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    <nameOfIssuer>CAPRI HOLDINGS LIMITED        </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G1890L107</cusip>
    <value>21470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1195</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CREDICORP LTD                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G2519Y108</cusip>
    <value>1450198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6331</Sole>
      <Shared>0</Shared>
      <None>157</None>
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  <infoTable>
    <nameOfIssuer>CREDO TECHNOLOGY GROUP HOLDI  </nameOfIssuer>
    <titleOfClass>ORDINARY SHARES </titleOfClass>
    <cusip>G25457105</cusip>
    <value>474061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CRH PLC                       </nameOfIssuer>
    <titleOfClass>ORD             </titleOfClass>
    <cusip>G25508105</cusip>
    <value>1305212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14171</Sole>
      <Shared>0</Shared>
      <None>47</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COCA-COLA EUROPACIFIC PARTNE  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G25839104</cusip>
    <value>146127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CRITICAL METALS CORP          </nameOfIssuer>
    <titleOfClass>PUBCO ORD SHS   </titleOfClass>
    <cusip>G2662B103</cusip>
    <value>358000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CUSHMAN WAKEFIELD PLC         </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G2717B108</cusip>
    <value>27907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2479</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
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    <nameOfIssuer>EATON CORP PLC                </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G29183103</cusip>
    <value>165742603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>464278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>431629</Sole>
      <Shared>0</Shared>
      <None>32649</None>
    </votingAuthority>
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    <nameOfIssuer>ESSENT GROUP LTD              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G3198U102</cusip>
    <value>48037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>791</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EVEREST GROUP LTD             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G3223R108</cusip>
    <value>347667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>887</Sole>
      <Shared>0</Shared>
      <None>136</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>APTIV PLC                     </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>G3265R107</cusip>
    <value>655458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8512</Sole>
      <Shared>0</Shared>
      <None>1096</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FABRINET                      </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G3323L100</cusip>
    <value>121703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>409</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLUTTER ENTMT PLC             </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G3643J108</cusip>
    <value>13431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>47</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FRESH DEL MONTE PRODUCE INC   </nameOfIssuer>
    <titleOfClass>ORD             </titleOfClass>
    <cusip>G36738105</cusip>
    <value>8818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>266</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FTAI AVIATION LTD             </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G3730V105</cusip>
    <value>13230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>115</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GATES INDL CORP PLC           </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G39108108</cusip>
    <value>20934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>896</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENPACT LIMITED               </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G3922B107</cusip>
    <value>140304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GRAB HOLDINGS LIMITED         </nameOfIssuer>
    <titleOfClass>CLASS A ORD     </titleOfClass>
    <cusip>G4124C109</cusip>
    <value>7047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1401</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HELEN OF TROY LTD             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G4388N106</cusip>
    <value>4342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>145</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JANUS HENDERSON GROUP PLC     </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G4474Y214</cusip>
    <value>84166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2157</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IBEX LTD                      </nameOfIssuer>
    <titleOfClass>SHS NEW         </titleOfClass>
    <cusip>G4690M101</cusip>
    <value>466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICON PLC                      </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G4705A100</cusip>
    <value>12945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>89</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ICHOR HOLDINGS                </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G4740B105</cusip>
    <value>2435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTERNATIONAL GAME TECHNOLOG  </nameOfIssuer>
    <titleOfClass>SHS USD         </titleOfClass>
    <cusip>G4863A108</cusip>
    <value>15810</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>WEATHERFORD INTL PLC          </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G48833118</cusip>
    <value>32299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>632</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD                   </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G491BT108</cusip>
    <value>347271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21741</Sole>
      <Shared>0</Shared>
      <None>280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAMES RIV GROUP LTD           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G5005R107</cusip>
    <value>1172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JAZZ PHARMACEUTICALS PLC      </nameOfIssuer>
    <titleOfClass>SHS USD         </titleOfClass>
    <cusip>G50871105</cusip>
    <value>283447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2671</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2638</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC         </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G51502105</cusip>
    <value>5011247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>46509</Sole>
      <Shared>0</Shared>
      <None>937</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC                     </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G54950103</cusip>
    <value>139854113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>253955</Sole>
      <Shared>0</Shared>
      <None>44127</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIVANOVA PLC                  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G5509L101</cusip>
    <value>20844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>463</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>457</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LUXFER HLDGS PLC              </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G5698W116</cusip>
    <value>438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC                 </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G5960L103</cusip>
    <value>16433463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>183434</Sole>
      <Shared>0</Shared>
      <None>5088</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPHA &amp; OMEGA SEMICONDUCTOR   </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G6331P104</cusip>
    <value>5414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOBY AVIATION INC             </nameOfIssuer>
    <titleOfClass>COMMON STOCK    </titleOfClass>
    <cusip>G65163100</cusip>
    <value>5275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOBLE CORP PLC                </nameOfIssuer>
    <titleOfClass>ORD SHS A       </titleOfClass>
    <cusip>G65431127</cusip>
    <value>558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORWEGIAN CRUISE LINE HLDG L  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G66721104</cusip>
    <value>767314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>37660</Sole>
      <Shared>0</Shared>
      <None>176</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVOCURE LTD                  </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G6674U108</cusip>
    <value>44500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NU HLDGS LTD                  </nameOfIssuer>
    <titleOfClass>ORD SHS CL A    </titleOfClass>
    <cusip>G6683N103</cusip>
    <value>19098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVENT ELECTRIC PLC            </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G6700G107</cusip>
    <value>259452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2701</Sole>
      <Shared>0</Shared>
      <None>841</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENTAIR PLC                   </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G7S00T104</cusip>
    <value>353869</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3403</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RENAISSANCERE HLDGS LTD       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G7496G103</cusip>
    <value>1586623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6397</Sole>
      <Shared>0</Shared>
      <None>135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROIVANT SCIENCES LTD          </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G76279101</cusip>
    <value>37067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3289</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYALTY PHARMA PLC            </nameOfIssuer>
    <titleOfClass>SHS CLASS A     </titleOfClass>
    <cusip>G7709Q104</cusip>
    <value>76996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2137</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2137</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL  </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G7997R103</cusip>
    <value>5811014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>39705</Sole>
      <Shared>0</Shared>
      <None>557</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G8060N102</cusip>
    <value>1028257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>33381</Sole>
      <Shared>0</Shared>
      <None>769</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHARKNINJA INC                </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>G8068L108</cusip>
    <value>15838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIGNET JEWELERS LIMITED       </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G81276100</cusip>
    <value>25933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIRIUSPOINT LTD               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G8192H106</cusip>
    <value>11031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>541</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PENGUIN SOLUTIONS INC         </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G8232Y101</cusip>
    <value>3704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMURFIT WESTROCK PLC          </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G8267P108</cusip>
    <value>405696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9310</Sole>
      <Shared>0</Shared>
      <None>92</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC                    </nameOfIssuer>
    <titleOfClass>SHS USD         </titleOfClass>
    <cusip>G8473T100</cusip>
    <value>698320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2835</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC           </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>G87052109</cusip>
    <value>7411697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43246</Sole>
      <Shared>0</Shared>
      <None>696</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G87110105</cusip>
    <value>79797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2317</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC        </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G8994E103</cusip>
    <value>4428776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10125</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8850</Sole>
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      <None>1275</None>
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  <infoTable>
    <nameOfIssuer>GOLAR LNG LTD                 </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G9456A100</cusip>
    <value>53547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALARIS LTD                   </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>G9460G101</cusip>
    <value>34614</value>
    <shrsOrPrnAmt>
      <sshPrnamt>822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>816</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WHITE MTNS INS GROUP LTD      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>G9618E107</cusip>
    <value>30527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WILLIS TOWERS WATSON PLC LTD  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G96629103</cusip>
    <value>1408368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4595</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4453</Sole>
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      <None>142</None>
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  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC                </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>G97822103</cusip>
    <value>58650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2125</Sole>
      <Shared>0</Shared>
      <None>70</None>
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  <infoTable>
    <nameOfIssuer>XP INC                        </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>G98239109</cusip>
    <value>1576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>78</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALCON AG                      </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>H01301128</cusip>
    <value>1938364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21437</Sole>
      <Shared>0</Shared>
      <None>520</None>
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  <infoTable>
    <nameOfIssuer>BUNGE GLOBAL SA               </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>H11356104</cusip>
    <value>400597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4525</Sole>
      <Shared>0</Shared>
      <None>465</None>
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  <infoTable>
    <nameOfIssuer>CHUBB LIMITED                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>H1467J104</cusip>
    <value>49719139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>156365</Sole>
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      <None>15246</None>
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  <infoTable>
    <nameOfIssuer>CRISPR THERAPEUTICS AG        </nameOfIssuer>
    <titleOfClass>NAMEN AKT       </titleOfClass>
    <cusip>H17182108</cusip>
    <value>730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GARMIN LTD                    </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>H2906T109</cusip>
    <value>1371082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6468</Sole>
      <Shared>0</Shared>
      <None>101</None>
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  <infoTable>
    <nameOfIssuer>UBS GROUP AG                  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>H42097107</cusip>
    <value>38250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1131</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LITHIUM ARGENTINA AG          </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>H5012F103</cusip>
    <value>8320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LOGITECH INTL S A             </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>H50430232</cusip>
    <value>58044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>644</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPORTRADAR GROUP AG           </nameOfIssuer>
    <titleOfClass>CLASS A ORD SHS </titleOfClass>
    <cusip>H8088L103</cusip>
    <value>445658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15664</Sole>
      <Shared>0</Shared>
      <None>207</None>
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  <infoTable>
    <nameOfIssuer>GLOBANT S A                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>L44385109</cusip>
    <value>108281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1184</Sole>
      <Shared>0</Shared>
      <None>8</None>
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  <infoTable>
    <nameOfIssuer>MILLICOM INTL CELLULAR S A    </nameOfIssuer>
    <titleOfClass>COM STK         </titleOfClass>
    <cusip>L6388F110</cusip>
    <value>102518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2736</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A        </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>L8681T102</cusip>
    <value>822588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1072</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1014</Sole>
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      <None>58</None>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT  </nameOfIssuer>
    <titleOfClass>ORD             </titleOfClass>
    <cusip>M22465104</cusip>
    <value>108191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>489</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CYBERARK SOFTWARE LTD         </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>M2682V108</cusip>
    <value>451637</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1110</sshPrnamt>
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      <Sole>1110</Sole>
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      <None>0</None>
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    <nameOfIssuer>ELBIT SYS LTD                 </nameOfIssuer>
    <titleOfClass>ORD             </titleOfClass>
    <cusip>M3760D101</cusip>
    <value>12137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>27</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL E ONLINE LTD           </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>M5216V106</cusip>
    <value>1342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>40</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ICL GROUP LTD                 </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>M53213100</cusip>
    <value>5648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>821</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>KORNIT DIGITAL LTD            </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>M6372Q113</cusip>
    <value>23892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MONDAY COM LTD                </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>M7S64H106</cusip>
    <value>16038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TOWER SEMICONDUCTOR LTD       </nameOfIssuer>
    <titleOfClass>SHS NEW         </titleOfClass>
    <cusip>M87915274</cusip>
    <value>407490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9282</Sole>
      <Shared>0</Shared>
      <None>118</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WIX COM LTD                   </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>M98068105</cusip>
    <value>3011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AERCAP HOLDINGS NV            </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>N00985106</cusip>
    <value>912366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>7798</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ASML HOLDING N V              </nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS</titleOfClass>
    <cusip>N07059210</cusip>
    <value>10764270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7714</Sole>
      <Shared>0</Shared>
      <None>5718</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CNH INDL N V                  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>N20944109</cusip>
    <value>79510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6063</Sole>
      <Shared>0</Shared>
      <None>72</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXPRO GROUP HOLDINGS NV       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>N3144W105</cusip>
    <value>29326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3414</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3414</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FERRARI N V                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>N3167Y103</cusip>
    <value>213472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>398</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N   </nameOfIssuer>
    <titleOfClass>SHS - A -       </titleOfClass>
    <cusip>N53745100</cusip>
    <value>1804827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30348</Sole>
      <Shared>0</Shared>
      <None>845</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>N6596X109</cusip>
    <value>4514877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20395</Sole>
      <Shared>0</Shared>
      <None>269</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QIAGEN NV                     </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>N72482206</cusip>
    <value>2891818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>59255</Sole>
      <Shared>0</Shared>
      <None>916</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STELLANTIS N.V                </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>N82405106</cusip>
    <value>8606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>858</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALLBOX NV                    </nameOfIssuer>
    <titleOfClass>SHS CL A        </titleOfClass>
    <cusip>N94209108</cusip>
    <value>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEBIUS GROUP N.V.             </nameOfIssuer>
    <titleOfClass>SHS CLASS A     </titleOfClass>
    <cusip>N97284108</cusip>
    <value>291755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5273</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5158</Sole>
      <Shared>0</Shared>
      <None>115</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COPA HOLDINGS SA              </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>P31076105</cusip>
    <value>24743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ONESPAWORLD HOLDINGS LIMITED  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>P73684113</cusip>
    <value>2100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>19</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STEVANATO GROUP S P A         </nameOfIssuer>
    <titleOfClass>ORD SHS         </titleOfClass>
    <cusip>T9224W109</cusip>
    <value>96865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MAKEMYTRIP LIMITED MAURITIUS  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>V5633W109</cusip>
    <value>68908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>703</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL CARIBBEAN GROUP         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>V7780T103</cusip>
    <value>6168545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19483</Sole>
      <Shared>0</Shared>
      <None>216</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COSTAMARE INC                 </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>Y1771G102</cusip>
    <value>829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>91</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COSTAMARE BULKERS HLDGS LTD   </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>Y2001C101</cusip>
    <value>130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>3</None>
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  <infoTable>
    <nameOfIssuer>DHT HOLDINGS INC              </nameOfIssuer>
    <titleOfClass>SHS NEW         </titleOfClass>
    <cusip>Y2065G121</cusip>
    <value>22885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DORIAN LPG LTD                </nameOfIssuer>
    <titleOfClass>SHS USD         </titleOfClass>
    <cusip>Y2106R110</cusip>
    <value>6314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLEX LTD                      </nameOfIssuer>
    <titleOfClass>ORD             </titleOfClass>
    <cusip>Y2573F102</cusip>
    <value>124700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2466</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENCO SHIPPING &amp; TRADING LTD  </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>Y2685T131</cusip>
    <value>1085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>68</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL SEAWAYS INC     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>Y41053102</cusip>
    <value>14738</value>
    <shrsOrPrnAmt>
      <sshPrnamt>404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>396</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AAON INC                      </nameOfIssuer>
    <titleOfClass>COM PAR $0.004  </titleOfClass>
    <cusip>000360206</cusip>
    <value>112543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1493</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AAR CORP                      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>000361105</cusip>
    <value>18573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACCO BRANDS CORP              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>00081T108</cusip>
    <value>190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADMA BIOLOGICS INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>000899104</cusip>
    <value>20796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACV AUCTIONS INC              </nameOfIssuer>
    <titleOfClass>COM CL A        </titleOfClass>
    <cusip>00091G104</cusip>
    <value>30753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1896</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ABM INDS INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>000957100</cusip>
    <value>23935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>495</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AFLAC INC                     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>001055102</cusip>
    <value>7516767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>68438</Sole>
      <Shared>0</Shared>
      <None>2838</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AGCO CORP                     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>001084102</cusip>
    <value>90368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>868</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AES CORP                      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>00130H105</cusip>
    <value>680612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>63492</Sole>
      <Shared>0</Shared>
      <None>1205</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALPS ETF TR                   </nameOfIssuer>
    <titleOfClass>OSHARES US QUALT</titleOfClass>
    <cusip>00162Q387</cusip>
    <value>7556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPS ETF TR                   </nameOfIssuer>
    <titleOfClass>ALERIAN MLP     </titleOfClass>
    <cusip>00162Q452</cusip>
    <value>155326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPS ETF TR                   </nameOfIssuer>
    <titleOfClass>DISRUPTIVE TECH </titleOfClass>
    <cusip>00162Q478</cusip>
    <value>2466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALPS ETF TR                   </nameOfIssuer>
    <titleOfClass>ALERIAN ENERGY  </titleOfClass>
    <cusip>00162Q676</cusip>
    <value>64480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AMC ENTMT HLDGS INC           </nameOfIssuer>
    <titleOfClass>CL A NEW        </titleOfClass>
    <cusip>00165C302</cusip>
    <value>660</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>AMN HEALTHCARE SVCS INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>001744101</cusip>
    <value>3803</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ANI PHARMACEUTICALS INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>00182C103</cusip>
    <value>1631</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ANGI INC                      </nameOfIssuer>
    <titleOfClass>CL A NEW        </titleOfClass>
    <cusip>00183L201</cusip>
    <value>8851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>580</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>API GROUP CORP                </nameOfIssuer>
    <titleOfClass>COM STK         </titleOfClass>
    <cusip>00187Y100</cusip>
    <value>584727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11315</Sole>
      <Shared>0</Shared>
      <None>139</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ASGN INC                      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>00191U102</cusip>
    <value>14979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>292</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AT&amp;T INC                      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>00206R102</cusip>
    <value>26913968</value>
    <shrsOrPrnAmt>
      <sshPrnamt>929992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>907711</Sole>
      <Shared>0</Shared>
      <None>22281</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>A10 NETWORKS INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>002121101</cusip>
    <value>10894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>563</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARK ETF TR                    </nameOfIssuer>
    <titleOfClass>INNOVATION ETF  </titleOfClass>
    <cusip>00214Q104</cusip>
    <value>69587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>490</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ARK ETF TR                    </nameOfIssuer>
    <titleOfClass>ARK SPACE EXPL  </titleOfClass>
    <cusip>00214Q807</cusip>
    <value>7345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ATN INTL INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>00215F107</cusip>
    <value>423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ASE TECHNOLOGY HLDG CO LTD    </nameOfIssuer>
    <titleOfClass>SPONSORED ADS   </titleOfClass>
    <cusip>00215W100</cusip>
    <value>62724</value>
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    <nameOfIssuer>ABBOTT LABS                   </nameOfIssuer>
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    <nameOfIssuer>ADDUS HOMECARE CORP           </nameOfIssuer>
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    <cusip>009066101</cusip>
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      <Sole>17521</Sole>
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    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL    </nameOfIssuer>
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    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>CARDINAL HEALTH INC           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>14149Y108</cusip>
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    <nameOfIssuer>CARETRUST REIT INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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  <infoTable>
    <nameOfIssuer>DIAMONDBACK ENERGY INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25278X109</cusip>
    <value>1325360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9487</Sole>
      <Shared>0</Shared>
      <None>159</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIAMONDROCK HOSPITALITY CO    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>252784301</cusip>
    <value>5132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>631</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DICKS SPORTING GOODS INC      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>253393102</cusip>
    <value>170908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>848</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIGI INTL INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>253798102</cusip>
    <value>66722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1907</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>253868103</cusip>
    <value>7749143</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43917</Sole>
      <Shared>0</Shared>
      <None>534</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIGITALBRIDGE GROUP INC       </nameOfIssuer>
    <titleOfClass>CL A NEW        </titleOfClass>
    <cusip>25401T603</cusip>
    <value>704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>55</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIGITALOCEAN HLDGS INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25402D102</cusip>
    <value>12109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>417</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIME CMNTY BANCSHARES INC     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25432X102</cusip>
    <value>8809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>317</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>US SMALL CAP ETF</titleOfClass>
    <cusip>25434V500</cusip>
    <value>113085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>US TARGETED VLU </titleOfClass>
    <cusip>25434V609</cusip>
    <value>544726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10095</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>US CORE EQUITY 2</titleOfClass>
    <cusip>25434V708</cusip>
    <value>1727309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>US MKTWIDE VALUE</titleOfClass>
    <cusip>25434V724</cusip>
    <value>841541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19904</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>INTL SMALL CAP E</titleOfClass>
    <cusip>25434V773</cusip>
    <value>42074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>INTL SMALL CAP V</titleOfClass>
    <cusip>25434V781</cusip>
    <value>41368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL </titleOfClass>
    <cusip>25434V807</cusip>
    <value>939219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10588</Sole>
      <Shared>0</Shared>
      <None>11341</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>US SMALL CAP VAL</titleOfClass>
    <cusip>25434V815</cusip>
    <value>83817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2646</Sole>
      <Shared>0</Shared>
      <None>202</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>CORE FIXED INCOM</titleOfClass>
    <cusip>25434V872</cusip>
    <value>85661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2027</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST         </nameOfIssuer>
    <titleOfClass>WORLD EX US CORE</titleOfClass>
    <cusip>25434V880</cusip>
    <value>2115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>72</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DINE BRANDS GLOBAL INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>254423106</cusip>
    <value>1119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIODES INC                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>254543101</cusip>
    <value>33215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>622</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR           </nameOfIssuer>
    <titleOfClass>DAILY TRANS 3X  </titleOfClass>
    <cusip>25460E679</cusip>
    <value>127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR           </nameOfIssuer>
    <titleOfClass>DAILY REGIONAL  </titleOfClass>
    <cusip>25460G153</cusip>
    <value>95556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1101</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>254687106</cusip>
    <value>85447726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>689039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>645998</Sole>
      <Shared>0</Shared>
      <None>43041</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DR REDDYS LABS LTD            </nameOfIssuer>
    <titleOfClass>ADR             </titleOfClass>
    <cusip>256135203</cusip>
    <value>3457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>256163106</cusip>
    <value>96116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1221</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC        </nameOfIssuer>
    <titleOfClass>COM CL A        </titleOfClass>
    <cusip>25659T107</cusip>
    <value>45670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>611</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>256677105</cusip>
    <value>1224781</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10491</Sole>
      <Shared>0</Shared>
      <None>217</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR TREE INC               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>256746108</cusip>
    <value>1136088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11372</Sole>
      <Shared>0</Shared>
      <None>99</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25746U109</cusip>
    <value>5012985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>85780</Sole>
      <Shared>0</Shared>
      <None>2914</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25754A201</cusip>
    <value>2923943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6421</Sole>
      <Shared>0</Shared>
      <None>68</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DONALDSON INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>257651109</cusip>
    <value>73996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1056</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DONNELLEY FINL SOLUTIONS INC  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25787G100</cusip>
    <value>8878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOORDASH INC                  </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>25809K105</cusip>
    <value>4944005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19790</Sole>
      <Shared>0</Shared>
      <None>266</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORMAN PRODS INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>258278100</cusip>
    <value>17419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>131</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUBLEVERIFY HLDGS INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25862V105</cusip>
    <value>63712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4256</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUBLELINE INCOME SOLUTIONS   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>258622109</cusip>
    <value>2118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOUGLAS EMMETT INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>25960P109</cusip>
    <value>20740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1345</Sole>
      <Shared>0</Shared>
      <None>34</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOVER CORP                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>260003108</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>18</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>30231G102</cusip>
    <value>224016808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2078078</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2006995</Sole>
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      <None>71083</None>
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  <infoTable>
    <nameOfIssuer>FMC CORP                      </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>302491303</cusip>
    <value>89721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2149</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2102</Sole>
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      <None>47</None>
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  <infoTable>
    <nameOfIssuer>F N B CORP                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>302520101</cusip>
    <value>35182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2413</sshPrnamt>
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      <Sole>2359</Sole>
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  <infoTable>
    <nameOfIssuer>FB FINL CORP                  </nameOfIssuer>
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    <cusip>30257X104</cusip>
    <value>13409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>296</sshPrnamt>
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      <Sole>287</Sole>
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      <None>9</None>
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  <infoTable>
    <nameOfIssuer>FS KKR CAP CORP               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>302635206</cusip>
    <value>4918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>237</sshPrnamt>
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      <Sole>237</Sole>
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  <infoTable>
    <nameOfIssuer>FTI CONSULTING INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>302941109</cusip>
    <value>54910</value>
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      <sshPrnamt>340</sshPrnamt>
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      <Sole>289</Sole>
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      <None>51</None>
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    <nameOfIssuer>META PLATFORMS INC            </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>30303M102</cusip>
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      <sshPrnamt>769408</sshPrnamt>
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      <Sole>740341</Sole>
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      <None>29067</None>
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    <nameOfIssuer>FACTSET RESH SYS INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>303075105</cusip>
    <value>650792</value>
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      <sshPrnamt>1455</sshPrnamt>
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      <Sole>1207</Sole>
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      <None>248</None>
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  <infoTable>
    <nameOfIssuer>FAIR ISAAC CORP               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>303250104</cusip>
    <value>754947</value>
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      <sshPrnamt>413</sshPrnamt>
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      <Sole>411</Sole>
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      <None>2</None>
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    <nameOfIssuer>FARMLAND PARTNERS INC         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>31154R109</cusip>
    <value>88800</value>
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      <sshPrnamt>7715</sshPrnamt>
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      <Sole>7637</Sole>
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      <None>78</None>
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    <nameOfIssuer>FASTENAL CO                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>311900104</cusip>
    <value>3267600</value>
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      <sshPrnamt>77800</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>68916</Sole>
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    <nameOfIssuer>FEDERAL AGRIC MTG CORP        </nameOfIssuer>
    <titleOfClass>CL C            </titleOfClass>
    <cusip>313148306</cusip>
    <value>101220</value>
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      <sshPrnamt>521</sshPrnamt>
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      <Sole>521</Sole>
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      <None>0</None>
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    <nameOfIssuer>FEDERAL RLTY INVT TR NEW      </nameOfIssuer>
    <titleOfClass>SH BEN INT NEW  </titleOfClass>
    <cusip>313745101</cusip>
    <value>280790</value>
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      <sshPrnamt>2956</sshPrnamt>
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      <Sole>2926</Sole>
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    <nameOfIssuer>FEDERAL SIGNAL CORP           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>313855108</cusip>
    <value>105143</value>
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      <sshPrnamt>988</sshPrnamt>
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      <Sole>982</Sole>
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    <nameOfIssuer>FEDERATED HERMES INC          </nameOfIssuer>
    <titleOfClass>CL B            </titleOfClass>
    <cusip>314211103</cusip>
    <value>23224</value>
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      <sshPrnamt>524</sshPrnamt>
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      <Sole>524</Sole>
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      <None>0</None>
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    <nameOfIssuer>FEDEX CORP                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>31428X106</cusip>
    <value>8265674</value>
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      <sshPrnamt>36363</sshPrnamt>
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      <Sole>36062</Sole>
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      <None>301</None>
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    <nameOfIssuer>FENNEC PHARMACEUTICALS INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <cusip>31488V107</cusip>
    <value>37453</value>
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      <sshPrnamt>172</sshPrnamt>
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      <Sole>172</Sole>
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    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>FIDELITY COMWLTH TR           </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>FIDELITY WISE ORIGIN BITCOIN  </nameOfIssuer>
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    <cusip>315948109</cusip>
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    <cusip>31609A305</cusip>
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      <sshPrnamt>231</sshPrnamt>
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    <nameOfIssuer>FIDELITY COVINGTON TRUST      </nameOfIssuer>
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    <cusip>31609A503</cusip>
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      <sshPrnamt>73</sshPrnamt>
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    <titleOfClass>MSCI CONSM DIS  </titleOfClass>
    <cusip>316092204</cusip>
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      <sshPrnamt>257</sshPrnamt>
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      <sshPrnamt>200</sshPrnamt>
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    <titleOfClass>HIGH DIVID ETF  </titleOfClass>
    <cusip>316092840</cusip>
    <value>5202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
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      <sshPrnamt>597</sshPrnamt>
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    <titleOfClass>MSCI UTILS INDEX</titleOfClass>
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      <sshPrnamt>290</sshPrnamt>
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    <nameOfIssuer>FIDELITY MERRIMACK STR TR     </nameOfIssuer>
    <titleOfClass>TOTAL BD ETF    </titleOfClass>
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    <value>27450</value>
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      <sshPrnamt>600</sshPrnamt>
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    <nameOfIssuer>FIDELITY NATL INFORMATION SV  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>31620M106</cusip>
    <value>3277485</value>
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      <sshPrnamt>40259</sshPrnamt>
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    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL   </nameOfIssuer>
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    <nameOfIssuer>FIFTH THIRD BANCORP           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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      <Sole>641570</Sole>
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      <None>129452</None>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>31812F109</cusip>
    <value>27620</value>
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      <Sole>1000</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST AMERN FINL CORP         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>31847R102</cusip>
    <value>35422</value>
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      <sshPrnamt>577</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>577</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST BANCORP P R             </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>318672706</cusip>
    <value>15560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>731</Sole>
      <Shared>0</Shared>
      <None>16</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST BANCORP N C             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>318910106</cusip>
    <value>3748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST CAP INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>31942S104</cusip>
    <value>57806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST CTZNS BANCSHARES INC N  </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>31946M103</cusip>
    <value>29347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST COMWLTH FINL CORP PA    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>319829107</cusip>
    <value>5388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>332</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST FINL BANKSHARES INC     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>32020R109</cusip>
    <value>20653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>564</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST FINL BANCORP OH         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>320209109</cusip>
    <value>675641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27833</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST FINANCIAL CORPORATION   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>320218100</cusip>
    <value>3522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>53</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HAWAIIAN INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>32051X108</cusip>
    <value>30851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1236</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1222</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>320517105</cusip>
    <value>145665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6871</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5820</Sole>
      <Shared>0</Shared>
      <None>1051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INDL RLTY TR INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>32054K103</cusip>
    <value>72339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1489</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST INTST BANCSYSTEM INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>32055Y201</cusip>
    <value>749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST MERCHANTS CORP          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>320817109</cusip>
    <value>119075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST MID ILL BANCSHARES INC  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>320866106</cusip>
    <value>7011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>336433107</cusip>
    <value>772575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4593</Sole>
      <Shared>0</Shared>
      <None>74</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>1ST SOURCE CORP               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>336901103</cusip>
    <value>362054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5833</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5760</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>WTR ETF         </titleOfClass>
    <cusip>33733B100</cusip>
    <value>170176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>CAP STRENGTH ETF</titleOfClass>
    <cusip>33733E104</cusip>
    <value>168056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1849</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>DJ INTERNT IDX  </titleOfClass>
    <cusip>33733E302</cusip>
    <value>145977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>542</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>NAS CLNEDG GREEN</titleOfClass>
    <cusip>33733E500</cusip>
    <value>1144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>35</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>GROWTH STRENGTH </titleOfClass>
    <cusip>33733E823</cusip>
    <value>74705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2185</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>SHS             </titleOfClass>
    <cusip>33734H106</cusip>
    <value>179783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4022</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4022</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD   </nameOfIssuer>
    <titleOfClass>MATERIALS ALPH  </titleOfClass>
    <cusip>33734X168</cusip>
    <value>113900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD   </nameOfIssuer>
    <titleOfClass>TECH ALPHADEX   </titleOfClass>
    <cusip>33734X176</cusip>
    <value>27380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>174</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD   </nameOfIssuer>
    <titleOfClass>CLOUD COMPUTING </titleOfClass>
    <cusip>33734X192</cusip>
    <value>9488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>78</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD   </nameOfIssuer>
    <titleOfClass>NASDAQ CYB ETF  </titleOfClass>
    <cusip>33734X846</cusip>
    <value>32348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>GBL WND ENRG ETF</titleOfClass>
    <cusip>33736G106</cusip>
    <value>23691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1306</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD   </nameOfIssuer>
    <titleOfClass>NASD TECH DIV   </titleOfClass>
    <cusip>33738R118</cusip>
    <value>15329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD   </nameOfIssuer>
    <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
    <cusip>33738R506</cusip>
    <value>222413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3326</Sole>
      <Shared>0</Shared>
      <None>219</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRADED FD III   </nameOfIssuer>
    <titleOfClass>MANAGD MUN ETF  </titleOfClass>
    <cusip>33739N108</cusip>
    <value>88580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1778</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHNG TRADED FD VI  </nameOfIssuer>
    <titleOfClass>FT VEST LADDERED</titleOfClass>
    <cusip>33740F755</cusip>
    <value>20002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>629</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD   </nameOfIssuer>
    <titleOfClass>SMID RISNG ETF  </titleOfClass>
    <cusip>33741X102</cusip>
    <value>33587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>952</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST WATCH RESTAURANT GROUP  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>33748L101</cusip>
    <value>27172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1686</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTSERVICE CORP NEW         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>33767E202</cusip>
    <value>121361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>686</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTCASH HOLDINGS INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>33768G107</cusip>
    <value>1289911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9463</Sole>
      <Shared>0</Shared>
      <None>82</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>337738108</cusip>
    <value>17323584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>97803</Sole>
      <Shared>0</Shared>
      <None>2676</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>337932107</cusip>
    <value>1705977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>41847</Sole>
      <Shared>0</Shared>
      <None>527</None>
    </votingAuthority>
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    <nameOfIssuer>FLEXSHARES TR                 </nameOfIssuer>
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    <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC       </nameOfIssuer>
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    <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I  </nameOfIssuer>
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    <nameOfIssuer>4D MOLECULAR THERAPEUTICS IN  </nameOfIssuer>
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    <nameOfIssuer>GEO GROUP INC NEW             </nameOfIssuer>
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    <nameOfIssuer>GABELLI EQUITY TR INC         </nameOfIssuer>
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    <nameOfIssuer>GABELLI UTIL TR               </nameOfIssuer>
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    <nameOfIssuer>GABELLI DIVID &amp; INCOME TR     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I  </nameOfIssuer>
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    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO       </nameOfIssuer>
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    <nameOfIssuer>GAMING &amp; LEISURE PPTYS INC    </nameOfIssuer>
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    <nameOfIssuer>GARRETT MOTION INC            </nameOfIssuer>
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    <nameOfIssuer>GE VERNOVA INC                </nameOfIssuer>
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    <nameOfIssuer>GCM GROSVENOR INC             </nameOfIssuer>
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    <nameOfIssuer>GENERAC HLDGS INC             </nameOfIssuer>
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    <nameOfIssuer>GENERAL DYNAMICS CORP         </nameOfIssuer>
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    <nameOfIssuer>GENERAL MTRS CO               </nameOfIssuer>
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    <nameOfIssuer>GENUINE PARTS CO              </nameOfIssuer>
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    <nameOfIssuer>GERMAN AMERN BANCORP INC      </nameOfIssuer>
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    <nameOfIssuer>GETTY RLTY CORP NEW           </nameOfIssuer>
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    <nameOfIssuer>GILEAD SCIENCES INC           </nameOfIssuer>
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    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>GLADSTONE LD CORP             </nameOfIssuer>
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      <sshPrnamt>27</sshPrnamt>
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    <cusip>377322102</cusip>
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      <sshPrnamt>10235</sshPrnamt>
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      <Sole>10170</Sole>
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    <nameOfIssuer>GLOBAL INDUSTRIAL COMPANY     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <value>243</value>
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    <nameOfIssuer>GRIFFON CORP                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>398433102</cusip>
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    <nameOfIssuer>GRIFOLS S A                   </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>GROCERY OUTLET HLDG CORP      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>39874R101</cusip>
    <value>1838</value>
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      <Sole>148</Sole>
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  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>398905109</cusip>
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    <nameOfIssuer>INDEPENDENT BK CORP MASS      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>INDEPENDENT BK CORP MICH      </nameOfIssuer>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>454089103</cusip>
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      <None>0</None>
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    <nameOfIssuer>INFOSYS LTD                   </nameOfIssuer>
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    <cusip>456788108</cusip>
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    <nameOfIssuer>INGERSOLL RAND INC            </nameOfIssuer>
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    <nameOfIssuer>INSTEEL INDS INC              </nameOfIssuer>
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    <nameOfIssuer>INSTALLED BLDG PRODS INC      </nameOfIssuer>
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    <nameOfIssuer>INNOVIVA INC                  </nameOfIssuer>
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    <nameOfIssuer>INNOVATIVE INDL PPTYS INC     </nameOfIssuer>
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    <nameOfIssuer>INTEGRA LIFESCIENCES HLDGS C  </nameOfIssuer>
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    <nameOfIssuer>INTEGER HLDGS CORP            </nameOfIssuer>
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    <nameOfIssuer>INTERACTIVE BROKERS GROUP IN  </nameOfIssuer>
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    <nameOfIssuer>INTERCONTINENTAL HOTELS GROU  </nameOfIssuer>
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    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN  </nameOfIssuer>
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    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS  </nameOfIssuer>
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    <nameOfIssuer>INTERNATIONAL PAPER CO        </nameOfIssuer>
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    <nameOfIssuer>INTERPUBLIC GROUP COS INC     </nameOfIssuer>
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    <nameOfIssuer>INVESCO ACTIVELY MANAGED EXC  </nameOfIssuer>
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    <cusip>46090A887</cusip>
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      <sshPrnamt>208</sshPrnamt>
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    <nameOfIssuer>INVESCO QQQ TR                </nameOfIssuer>
    <titleOfClass>UNIT SER 1      </titleOfClass>
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    <nameOfIssuer>INTUITIVE SURGICAL INC        </nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>225218</Sole>
      <Shared>0</Shared>
      <None>7315</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTUIT                        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>461202103</cusip>
    <value>37830657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34390</Sole>
      <Shared>0</Shared>
      <None>13641</None>
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  <infoTable>
    <nameOfIssuer>INVESCO MORTGAGE CAPITAL INC  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>46131B704</cusip>
    <value>196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO BD FD                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>46132L107</cusip>
    <value>15440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO INDIA EXCHANGE-TRADE  </nameOfIssuer>
    <titleOfClass>INDIA ETF       </titleOfClass>
    <cusip>46137R109</cusip>
    <value>36975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1372</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>AEROSPACE DEFN  </titleOfClass>
    <cusip>46137V100</cusip>
    <value>15728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <votingAuthority>
      <Sole>111</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>WATER RES ETF   </titleOfClass>
    <cusip>46137V142</cusip>
    <value>202040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2890</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P SML600 GWT  </titleOfClass>
    <cusip>46137V175</cusip>
    <value>159731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3159</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P500 QUALITY  </titleOfClass>
    <cusip>46137V241</cusip>
    <value>302910939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4250785</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4246128</Sole>
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      <None>4657</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P500 PUR GWT  </titleOfClass>
    <cusip>46137V266</cusip>
    <value>61790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>BUYBACK ACHIEV  </titleOfClass>
    <cusip>46137V308</cusip>
    <value>92700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>750</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT  </titleOfClass>
    <cusip>46137V357</cusip>
    <value>8494891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43887</Sole>
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      <None>2855</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL STP  </titleOfClass>
    <cusip>46137V373</cusip>
    <value>8242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>275</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P 500 GARP ETF</titleOfClass>
    <cusip>46137V431</cusip>
    <value>58712763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>545151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>526661</Sole>
      <Shared>0</Shared>
      <None>18490</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P MDCP MOMNTUM</titleOfClass>
    <cusip>46137V464</cusip>
    <value>192945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>S&amp;P MDCP QUALITY</titleOfClass>
    <cusip>46137V472</cusip>
    <value>3144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>HIG YLD EQ DIV  </titleOfClass>
    <cusip>46137V563</cusip>
    <value>33350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1634</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>RAFI US 1000 ETF</titleOfClass>
    <cusip>46137V613</cusip>
    <value>275389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6515</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>LARGE CAP VALUE </titleOfClass>
    <cusip>46137V738</cusip>
    <value>32189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>518</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>LARGE CAP GROWTH</titleOfClass>
    <cusip>46137V746</cusip>
    <value>58720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T  </nameOfIssuer>
    <titleOfClass>DORSEY WRIGHT MO</titleOfClass>
    <cusip>46137V837</cusip>
    <value>100663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
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      <None>843</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>S&amp;P MIDCP LOW   </titleOfClass>
    <cusip>46138E198</cusip>
    <value>277022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4492</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>S&amp;P GBL WATER   </titleOfClass>
    <cusip>46138E263</cusip>
    <value>93750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>S&amp;P500 LOW VOL  </titleOfClass>
    <cusip>46138E354</cusip>
    <value>315893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4338</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>S&amp;P500 HDL VOL  </titleOfClass>
    <cusip>46138E362</cusip>
    <value>129981</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2733</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>PFD ETF         </titleOfClass>
    <cusip>46138E511</cusip>
    <value>6344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>570</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>KBW BK ETF      </titleOfClass>
    <cusip>46138E628</cusip>
    <value>30868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>431</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>RAFI EMRGNG MRKT</titleOfClass>
    <cusip>46138E727</cusip>
    <value>22431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>959</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>RAFI DVLPD MRKTS</titleOfClass>
    <cusip>46138E743</cusip>
    <value>18030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>314</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>EMRNG MKT SVRG  </titleOfClass>
    <cusip>46138E784</cusip>
    <value>1459274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>70913</Sole>
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      <None>515</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>ALERIAN GLXY BLK</titleOfClass>
    <cusip>46138G524</cusip>
    <value>61776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2600</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>ALERIAN GLXY CRY</titleOfClass>
    <cusip>46138G557</cusip>
    <value>58775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3100</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>NASDAQ 100 ETF  </titleOfClass>
    <cusip>46138G649</cusip>
    <value>81302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>358</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>SOLAR ETF       </titleOfClass>
    <cusip>46138G706</cusip>
    <value>10826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>316</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>GBL CLEAN ENRG  </titleOfClass>
    <cusip>46138G847</cusip>
    <value>4612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>366</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II  </nameOfIssuer>
    <titleOfClass>VAR RATE PFD    </titleOfClass>
    <cusip>46138G870</cusip>
    <value>102690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4200</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD   </nameOfIssuer>
    <titleOfClass>BULSHS 2027 CB  </titleOfClass>
    <cusip>46138J783</cusip>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                    </nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>ISHARES TR                    </nameOfIssuer>
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  <infoTable>
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    <titleOfClass>US TREAS BD ETF </titleOfClass>
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    <nameOfIssuer>MVB FINL CORP                 </nameOfIssuer>
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    <value>302100</value>
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    <titleOfClass>COM             </titleOfClass>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>667340103</cusip>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>66765N105</cusip>
    <value>10009</value>
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    <nameOfIssuer>NORTHWESTERN ENERGY GROUP IN  </nameOfIssuer>
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    <titleOfClass>SPONSORED ADR   </titleOfClass>
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    <titleOfClass>COM             </titleOfClass>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>67011P100</cusip>
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    <titleOfClass>CL A            </titleOfClass>
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    <value>1111</value>
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    <titleOfClass>COM             </titleOfClass>
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    <cusip>67059N108</cusip>
    <value>3287</value>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>67066G104</cusip>
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    <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>67066V101</cusip>
    <value>57985</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>NUVEEN AMT-FREE MUN VALUE FD  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>670695105</cusip>
    <value>8345</value>
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    <titleOfClass>COM             </titleOfClass>
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    <value>12607</value>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>670750108</cusip>
    <value>2463</value>
    <shrsOrPrnAmt>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>67077M108</cusip>
    <value>7862</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <titleOfClass>COM BEN INT     </titleOfClass>
    <cusip>67080D103</cusip>
    <value>53191</value>
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    <nameOfIssuer>OKTA INC                      </nameOfIssuer>
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    <nameOfIssuer>OLD DOMINION FREIGHT LINE IN  </nameOfIssuer>
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    <nameOfIssuer>OLD NATL BANCORP IND          </nameOfIssuer>
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    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS   </nameOfIssuer>
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    <value>831731</value>
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    <titleOfClass>COM             </titleOfClass>
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  <infoTable>
    <nameOfIssuer>ORTHOPEDIATRICS CORP          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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      <sshPrnamt>417</sshPrnamt>
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      <Sole>417</Sole>
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    <nameOfIssuer>OSHKOSH CORP                  </nameOfIssuer>
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    <cusip>688239201</cusip>
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      <None>6</None>
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    <nameOfIssuer>OTIS WORLDWIDE CORP           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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      <sshPrnamt>16369</sshPrnamt>
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      <None>2049</None>
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    <nameOfIssuer>OTTER TAIL CORP               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>689648103</cusip>
    <value>67300</value>
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      <sshPrnamt>873</sshPrnamt>
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    <nameOfIssuer>OUTFRONT MEDIA INC            </nameOfIssuer>
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    <value>206252</value>
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    <nameOfIssuer>OVINTIV INC                   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>69047Q102</cusip>
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    <nameOfIssuer>OWENS &amp; MINOR INC NEW         </nameOfIssuer>
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    <nameOfIssuer>BLUE OWL CAPITAL CORPORATION  </nameOfIssuer>
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    <nameOfIssuer>OXFORD INDS INC               </nameOfIssuer>
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    <nameOfIssuer>PBF ENERGY INC                </nameOfIssuer>
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    <nameOfIssuer>PC CONNECTION INC             </nameOfIssuer>
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    <nameOfIssuer>PDF SOLUTIONS INC             </nameOfIssuer>
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    <nameOfIssuer>PG&amp;E CORP                     </nameOfIssuer>
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    <nameOfIssuer>PGIM HIGH YIELD BOND FUND IN  </nameOfIssuer>
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    <cusip>69346H100</cusip>
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    <nameOfIssuer>PNC FINL SVCS GROUP INC       </nameOfIssuer>
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    <nameOfIssuer>POSCO HOLDINGS INC            </nameOfIssuer>
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    <value>1212</value>
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    <titleOfClass>COM             </titleOfClass>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>69354N106</cusip>
    <value>6077</value>
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    <nameOfIssuer>PACER FDS TR                  </nameOfIssuer>
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    <nameOfIssuer>PACKAGING CORP AMER           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>695156109</cusip>
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      <sshPrnamt>78214</sshPrnamt>
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    <titleOfClass>COM             </titleOfClass>
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    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>PAPA JOHNS INTL INC           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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      <sshPrnamt>14412</sshPrnamt>
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    <nameOfIssuer>PINNACLE WEST CAP CORP        </nameOfIssuer>
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    <nameOfIssuer>PINTEREST INC                 </nameOfIssuer>
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    <nameOfIssuer>PIPER SANDLER COMPANIES       </nameOfIssuer>
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    <nameOfIssuer>PRECISION DRILLING CORP       </nameOfIssuer>
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    <cusip>74022D407</cusip>
    <value>2693</value>
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    <nameOfIssuer>PREFERRED BK LOS ANGELES CA   </nameOfIssuer>
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    <cusip>740367404</cusip>
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    <nameOfIssuer>PRESTIGE CONSMR HEALTHCARE I  </nameOfIssuer>
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    <cusip>74112D101</cusip>
    <value>23236</value>
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    <nameOfIssuer>PRICE T ROWE GROUP INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>PRICESMART INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>741511109</cusip>
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    <nameOfIssuer>PRIMO BRANDS CORPORATION      </nameOfIssuer>
    <titleOfClass>CLASS A COM SHS </titleOfClass>
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    <value>1185</value>
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    <cusip>74255Y607</cusip>
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    <titleOfClass>US MEGA CP ETF  </titleOfClass>
    <cusip>74255Y870</cusip>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GRP IN  </nameOfIssuer>
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    <nameOfIssuer>READY CAPITAL CORP            </nameOfIssuer>
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    <value>1704</value>
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    <nameOfIssuer>REPUBLIC SVCS INC             </nameOfIssuer>
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    <nameOfIssuer>RESMED INC                    </nameOfIssuer>
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      <sshPrnamt>1950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1932</Sole>
      <Shared>0</Shared>
      <None>18</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SM ENERGY CO                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78454L100</cusip>
    <value>23400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>925</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR           </nameOfIssuer>
    <titleOfClass>TR UNIT         </titleOfClass>
    <cusip>78462F103</cusip>
    <value>301223500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>487535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>464378</Sole>
      <Shared>0</Shared>
      <None>23157</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPS COMM INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78463M107</cusip>
    <value>168343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1229</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR                  </nameOfIssuer>
    <titleOfClass>GOLD SHS        </titleOfClass>
    <cusip>78463V107</cusip>
    <value>55212639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>179093</Sole>
      <Shared>0</Shared>
      <None>2033</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS            </nameOfIssuer>
    <titleOfClass>EURO STOXX 50   </titleOfClass>
    <cusip>78463X202</cusip>
    <value>4719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>79</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS            </nameOfIssuer>
    <titleOfClass>DJ GLB RL ES ETF</titleOfClass>
    <cusip>78463X749</cusip>
    <value>673135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14015</Sole>
      <Shared>0</Shared>
      <None>1235</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS            </nameOfIssuer>
    <titleOfClass>DJ INTL RL ETF  </titleOfClass>
    <cusip>78463X863</cusip>
    <value>58061</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS            </nameOfIssuer>
    <titleOfClass>PORTFOLIO DEVLPD</titleOfClass>
    <cusip>78463X889</cusip>
    <value>1120723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18918</Sole>
      <Shared>0</Shared>
      <None>8761</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO CRPORT</titleOfClass>
    <cusip>78464A144</cusip>
    <value>4441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>NUVEEN ICE HIGH </titleOfClass>
    <cusip>78464A284</cusip>
    <value>88886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3587</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
    <cusip>78464A300</cusip>
    <value>66679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>836</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>BLOOMBERG EMERGI</titleOfClass>
    <cusip>78464A391</cusip>
    <value>4537</value>
    <shrsOrPrnAmt>
      <sshPrnamt>212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>212</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
    <cusip>78464A409</cusip>
    <value>19377984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>194978</Sole>
      <Shared>0</Shared>
      <None>8316</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT </titleOfClass>
    <cusip>78464A474</cusip>
    <value>130089</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4309</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>13743542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>262582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>250768</Sole>
      <Shared>0</Shared>
      <None>11814</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
    <cusip>78464A664</cusip>
    <value>71819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2150</Sole>
      <Shared>0</Shared>
      <None>552</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG    </titleOfClass>
    <cusip>78464A698</cusip>
    <value>46146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>777</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF   </titleOfClass>
    <cusip>78464A763</cusip>
    <value>921607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5990</Sole>
      <Shared>0</Shared>
      <None>800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>S&amp;P BK ETF      </titleOfClass>
    <cusip>78464A797</cusip>
    <value>158749</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2300</Sole>
      <Shared>0</Shared>
      <None>547</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLI S&amp;P1500</titleOfClass>
    <cusip>78464A805</cusip>
    <value>118027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>
    <cusip>78464A847</cusip>
    <value>12218860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>200300</Sole>
      <Shared>0</Shared>
      <None>24394</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
    <cusip>78464A854</cusip>
    <value>42613349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>586234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>545214</Sole>
      <Shared>0</Shared>
      <None>41020</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH     </titleOfClass>
    <cusip>78464A870</cusip>
    <value>5800456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>65921</Sole>
      <Shared>0</Shared>
      <None>4023</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>S&amp;P HOMEBUILD   </titleOfClass>
    <cusip>78464A888</cusip>
    <value>39428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC   </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78467J100</cusip>
    <value>12586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>152</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE   </nameOfIssuer>
    <titleOfClass>UT SER 1        </titleOfClass>
    <cusip>78467X109</cusip>
    <value>2159626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4470</Sole>
      <Shared>0</Shared>
      <None>431</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR    </nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP  </titleOfClass>
    <cusip>78467Y107</cusip>
    <value>4150032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6602</Sole>
      <Shared>0</Shared>
      <None>724</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>BLOOMBERG INVT  </titleOfClass>
    <cusip>78468R200</cusip>
    <value>39462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1280</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>BLOOMBERG 3-12 M</titleOfClass>
    <cusip>78468R523</cusip>
    <value>84714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>852</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
    <cusip>78468R606</cusip>
    <value>49909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2097</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
    <cusip>78468R663</cusip>
    <value>2110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST             </nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
    <cusip>78468R853</cusip>
    <value>12633073</value>
    <shrsOrPrnAmt>
      <sshPrnamt>296551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>262361</Sole>
      <Shared>0</Shared>
      <None>34190</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPX TECHNOLOGIES INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78473E103</cusip>
    <value>484260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2851</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SSR MINING IN                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>784730103</cusip>
    <value>1707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABINE RTY TR                 </nameOfIssuer>
    <titleOfClass>UNIT BEN INT    </titleOfClass>
    <cusip>785688102</cusip>
    <value>23671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABRA HEALTH CARE REIT INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78573L106</cusip>
    <value>71547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3831</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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    <titleOfClass>COM             </titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>SAFEHOLD INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>SAFETY INS GROUP INC          </nameOfIssuer>
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    <cusip>78648T100</cusip>
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    <nameOfIssuer>SAGE THERAPEUTICS INC         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78667J108</cusip>
    <value>766</value>
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      <sshPrnamt>84</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>SAIA INC                      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>78709Y105</cusip>
    <value>407697</value>
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    <nameOfIssuer>ST JOE CO                     </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>790148100</cusip>
    <value>5915</value>
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    <nameOfIssuer>SALLY BEAUTY HLDGS INC        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>SANDISK CORP                  </nameOfIssuer>
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    <nameOfIssuer>SANFILIPPO JOHN B &amp; SON INC   </nameOfIssuer>
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    <cusip>800422107</cusip>
    <value>3668</value>
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    <nameOfIssuer>SANOFI                        </nameOfIssuer>
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    <value>1281085</value>
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      <None>172</None>
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    <nameOfIssuer>SANMINA CORPORATION           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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      <sshPrnamt>431</sshPrnamt>
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    <nameOfIssuer>SAREPTA THERAPEUTICS INC      </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>803607100</cusip>
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    <nameOfIssuer>SAUL CTRS INC                 </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>804395101</cusip>
    <value>2014</value>
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      <sshPrnamt>59</sshPrnamt>
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      <None>8</None>
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  <infoTable>
    <nameOfIssuer>SCANSOURCE INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>806037107</cusip>
    <value>6355</value>
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      <sshPrnamt>152</sshPrnamt>
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      <Sole>152</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HENRY SCHEIN INC              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>806407102</cusip>
    <value>196139</value>
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      <sshPrnamt>2685</sshPrnamt>
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      <Sole>2667</Sole>
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      <None>18</None>
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    <nameOfIssuer>SCHLUMBERGER LTD              </nameOfIssuer>
    <titleOfClass>COM STK         </titleOfClass>
    <cusip>806857108</cusip>
    <value>20863253</value>
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      <None>7167</None>
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    <nameOfIssuer>SCHNEIDER NATIONAL INC        </nameOfIssuer>
    <titleOfClass>CL B            </titleOfClass>
    <cusip>80689H102</cusip>
    <value>5555</value>
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      <None>49</None>
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  <infoTable>
    <nameOfIssuer>SCHOLASTIC CORP               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>807066105</cusip>
    <value>1930</value>
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      <None>0</None>
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    <nameOfIssuer>SCHRODINGER INC               </nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>808513105</cusip>
    <value>14420573</value>
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      <sshPrnamt>158051</sshPrnamt>
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      <None>6242</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US BRD MKT ETF  </titleOfClass>
    <cusip>808524102</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>26024</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US LRG CAP ETF  </titleOfClass>
    <cusip>808524201</cusip>
    <value>330355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13517</sshPrnamt>
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      <None>3106</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US LCAP GR ETF  </titleOfClass>
    <cusip>808524300</cusip>
    <value>101534</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3464</Sole>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US LCAP VA ETF  </titleOfClass>
    <cusip>808524409</cusip>
    <value>18594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>672</sshPrnamt>
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      <None>579</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US SML CAP ETF  </titleOfClass>
    <cusip>808524607</cusip>
    <value>22062</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>320</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>INTERNL DIVID   </titleOfClass>
    <cusip>808524672</cusip>
    <value>31480</value>
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      <sshPrnamt>1151</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1151</Sole>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>EMRG MKTEQ ETF  </titleOfClass>
    <cusip>808524706</cusip>
    <value>441581</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>14651</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>FUNDAMENTAL EMER</titleOfClass>
    <cusip>808524730</cusip>
    <value>4588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>139</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>FUNDAMENTAL US S</titleOfClass>
    <cusip>808524763</cusip>
    <value>37360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1304</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ  </titleOfClass>
    <cusip>808524797</cusip>
    <value>79207334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2988956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2834478</Sole>
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      <None>154478</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>INTL EQTY ETF   </titleOfClass>
    <cusip>808524805</cusip>
    <value>1048070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47424</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>45602</Sole>
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      <None>1822</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US REIT ETF     </titleOfClass>
    <cusip>808524847</cusip>
    <value>38194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1159</Sole>
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      <None>646</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>INT-TRM U.S TRES</titleOfClass>
    <cusip>808524854</cusip>
    <value>13566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>542</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>SHT TM US TRES  </titleOfClass>
    <cusip>808524862</cusip>
    <value>13165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>US TIPS ETF     </titleOfClass>
    <cusip>808524870</cusip>
    <value>5064798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>189835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>187849</Sole>
      <Shared>0</Shared>
      <None>1986</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR           </nameOfIssuer>
    <titleOfClass>INTL SCEQT ETF  </titleOfClass>
    <cusip>808524888</cusip>
    <value>183776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MATIV HOLDINGS INC            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>808541106</cusip>
    <value>505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCIENCE APPLICATIONS INTL CO  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>808625107</cusip>
    <value>72971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>646</Sole>
      <Shared>0</Shared>
      <None>2</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO         </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>810186106</cusip>
    <value>1565429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23222</Sole>
      <Shared>0</Shared>
      <None>511</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEA LTD                       </nameOfIssuer>
    <titleOfClass>SPONSORD ADS    </titleOfClass>
    <cusip>81141R100</cusip>
    <value>35187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEACOAST BKG CORP FLA         </nameOfIssuer>
    <titleOfClass>COM NEW         </titleOfClass>
    <cusip>811707801</cusip>
    <value>75568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2724</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>81211K100</cusip>
    <value>753253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>23751</Sole>
      <Shared>0</Shared>
      <None>524</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAPORT ENTMT GROUP INC       </nameOfIssuer>
    <titleOfClass>COMMON STOCK    </titleOfClass>
    <cusip>812215200</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>SBI MATERIALS   </titleOfClass>
    <cusip>81369Y100</cusip>
    <value>10658466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>117650</Sole>
      <Shared>0</Shared>
      <None>3731</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE  </titleOfClass>
    <cusip>81369Y209</cusip>
    <value>18344784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136099</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>124485</Sole>
      <Shared>0</Shared>
      <None>11614</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>SBI CONS STPLS  </titleOfClass>
    <cusip>81369Y308</cusip>
    <value>3831419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44669</Sole>
      <Shared>0</Shared>
      <None>2650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>SBI CONS DISCR  </titleOfClass>
    <cusip>81369Y407</cusip>
    <value>11525879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48321</Sole>
      <Shared>0</Shared>
      <None>4713</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>ENERGY          </titleOfClass>
    <cusip>81369Y506</cusip>
    <value>36438277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>429646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>412382</Sole>
      <Shared>0</Shared>
      <None>17264</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>FINANCIAL       </titleOfClass>
    <cusip>81369Y605</cusip>
    <value>36676806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>671270</Sole>
      <Shared>0</Shared>
      <None>29070</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>INDL            </titleOfClass>
    <cusip>81369Y704</cusip>
    <value>26972999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>174608</Sole>
      <Shared>0</Shared>
      <None>8235</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>TECHNOLOGY      </titleOfClass>
    <cusip>81369Y803</cusip>
    <value>100616129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>397331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>382274</Sole>
      <Shared>0</Shared>
      <None>15057</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>COMMUNICATION   </titleOfClass>
    <cusip>81369Y852</cusip>
    <value>27951793</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>247501</Sole>
      <Shared>0</Shared>
      <None>10048</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>RL EST SEL SEC  </titleOfClass>
    <cusip>81369Y860</cusip>
    <value>1700622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>41048</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR         </nameOfIssuer>
    <titleOfClass>SBI INT-UTILS   </titleOfClass>
    <cusip>81369Y886</cusip>
    <value>4311730</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>46860</Sole>
      <Shared>0</Shared>
      <None>5941</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT MED HLDGS CORP         </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>81619Q105</cusip>
    <value>5647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>358</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECTIVE INS GROUP INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>816300107</cusip>
    <value>110652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1277</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMTECH CORP                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>816850101</cusip>
    <value>34081</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>746</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA                        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>816851109</cusip>
    <value>3125437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>25503</Sole>
      <Shared>0</Shared>
      <None>15746</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSIENT TECHNOLOGIES CORP    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>81725T100</cusip>
    <value>31625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>318</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSEONICS HLDGS INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>81727U105</cusip>
    <value>412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENTINELONE INC               </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>81730H109</cusip>
    <value>198740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10872</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERIES PORTFOLIOS TR          </nameOfIssuer>
    <titleOfClass>ELDRIDGE BBB B  </titleOfClass>
    <cusip>81752T528</cusip>
    <value>919107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34372</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE CORP INTL             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>817565104</cusip>
    <value>119332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1454</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICE PPTYS TR              </nameOfIssuer>
    <titleOfClass>COM SH BEN INT  </titleOfClass>
    <cusip>81761L102</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC                </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>81762P102</cusip>
    <value>98562030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>92389</Sole>
      <Shared>0</Shared>
      <None>3481</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVISFIRST BANCSHARES INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>81768T108</cusip>
    <value>21393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>273</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHAKE SHACK INC               </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>819047101</cusip>
    <value>43445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>306</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHENANDOAH TELECOMMUNICATION  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>82312B106</cusip>
    <value>3797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>278</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>824348106</cusip>
    <value>107570568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>313288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>303678</Sole>
      <Shared>0</Shared>
      <None>9610</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHIFT4 PMTS INC               </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>82452J109</cusip>
    <value>443022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4420</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHINHAN FINANCIAL GROUP CO L  </nameOfIssuer>
    <titleOfClass>SPN ADR RESTRD  </titleOfClass>
    <cusip>824596100</cusip>
    <value>139516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3088</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHOE CARNIVAL INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>824889109</cusip>
    <value>3873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <cusip>896288107</cusip>
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    <cusip>896522109</cusip>
    <value>389079</value>
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    <nameOfIssuer>UNITED NAT FOODS INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>911163103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1001</sshPrnamt>
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    <nameOfIssuer>UNITED PARCEL SERVICE INC     </nameOfIssuer>
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    <nameOfIssuer>UNITED RENTALS INC            </nameOfIssuer>
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    <cusip>911363109</cusip>
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      <sshPrnamt>3956</sshPrnamt>
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    <nameOfIssuer>US FOODS HLDG CORP            </nameOfIssuer>
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    <cusip>912008109</cusip>
    <value>231954</value>
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    <nameOfIssuer>UNITED STS OIL FD LP          </nameOfIssuer>
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    <nameOfIssuer>UNITED THERAPEUTICS CORP DEL  </nameOfIssuer>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC        </nameOfIssuer>
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    <nameOfIssuer>UNIVERSAL CORP VA             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>913456109</cusip>
    <value>7804</value>
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    <nameOfIssuer>UNIVERSAL DISPLAY CORP        </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>91347P105</cusip>
    <value>118934</value>
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    <nameOfIssuer>UNIVERSAL HEALTH RLTY INCOME  </nameOfIssuer>
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    <cusip>91359E105</cusip>
    <value>4397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>UNIVERSAL INS HLDGS INC       </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>91359V107</cusip>
    <value>1109</value>
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      <sshPrnamt>40</sshPrnamt>
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    <nameOfIssuer>UNIVERSAL HLTH SVCS INC       </nameOfIssuer>
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    <cusip>913903100</cusip>
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    <nameOfIssuer>UNIVEST FINANCIAL CORPORATIO  </nameOfIssuer>
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    <titleOfClass>COM             </titleOfClass>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>91680M107</cusip>
    <value>38808</value>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>91688F104</cusip>
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    <nameOfIssuer>URBAN EDGE PPTYS              </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>URBAN OUTFITTERS INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
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    <nameOfIssuer>V F CORP                      </nameOfIssuer>
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    <cusip>91912E105</cusip>
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    <nameOfIssuer>VALLEY NATL BANCORP           </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>919794107</cusip>
    <value>31800</value>
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    <titleOfClass>COM             </titleOfClass>
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    <value>83664</value>
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    <value>19856</value>
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      <Sole>375</Sole>
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    <cusip>921908844</cusip>
    <value>107136149</value>
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      <sshPrnamt>523458</sshPrnamt>
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      <None>14989</None>
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      <Sole>4127</Sole>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
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    <cusip>921910709</cusip>
    <value>1010</value>
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    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>ESG INTL STK ETF</titleOfClass>
    <cusip>921910725</cusip>
    <value>23646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>361</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>ESG US STK ETF  </titleOfClass>
    <cusip>921910733</cusip>
    <value>53943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>492</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>492</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>MEGA GRWTH IND  </titleOfClass>
    <cusip>921910816</cusip>
    <value>165509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>452</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>MEGA CAP INDEX  </titleOfClass>
    <cusip>921910873</cusip>
    <value>504496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2243</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC      </nameOfIssuer>
    <titleOfClass>500 GRTH IDX F  </titleOfClass>
    <cusip>921932505</cusip>
    <value>500433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>842</Sole>
      <Shared>0</Shared>
      <None>420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC      </nameOfIssuer>
    <titleOfClass>SMLCP 600 GRTH  </titleOfClass>
    <cusip>921932794</cusip>
    <value>209979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1835</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC      </nameOfIssuer>
    <titleOfClass>MIDCP 400 VAL   </titleOfClass>
    <cusip>921932844</cusip>
    <value>37424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS         </nameOfIssuer>
    <titleOfClass>LONG TERM BOND  </titleOfClass>
    <cusip>921937793</cusip>
    <value>44784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>237</Sole>
      <Shared>0</Shared>
      <None>407</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS         </nameOfIssuer>
    <titleOfClass>INTERMED TERM   </titleOfClass>
    <cusip>921937819</cusip>
    <value>10491635</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>133508</Sole>
      <Shared>0</Shared>
      <None>2148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS         </nameOfIssuer>
    <titleOfClass>SHORT TRM BOND  </titleOfClass>
    <cusip>921937827</cusip>
    <value>66712416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>847680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>839480</Sole>
      <Shared>0</Shared>
      <None>8200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS         </nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT  </titleOfClass>
    <cusip>921937835</cusip>
    <value>8709545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>116258</Sole>
      <Shared>0</Shared>
      <None>2030</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS      </nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>172306967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3022399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2967980</Sole>
      <Shared>0</Shared>
      <None>54419</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS        </nameOfIssuer>
    <titleOfClass>HIGH DIV YLD    </titleOfClass>
    <cusip>921946406</cusip>
    <value>1763025</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS        </nameOfIssuer>
    <titleOfClass>INTL HIGH ETF   </titleOfClass>
    <cusip>921946794</cusip>
    <value>320440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS        </nameOfIssuer>
    <titleOfClass>INTL DVD ETF    </titleOfClass>
    <cusip>921946810</cusip>
    <value>381568</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>84</Sole>
      <Shared>0</Shared>
      <None>4150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS          </nameOfIssuer>
    <titleOfClass>STRM INFPROIDX  </titleOfClass>
    <cusip>922020805</cusip>
    <value>62083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1235</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1157</Sole>
      <Shared>0</Shared>
      <None>78</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS        </nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>2024216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>36920</Sole>
      <Shared>0</Shared>
      <None>3965</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF  </titleOfClass>
    <cusip>92204A108</cusip>
    <value>1748194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4800</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>CONSUM STP ETF  </titleOfClass>
    <cusip>92204A207</cusip>
    <value>591957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2703</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>ENERGY ETF      </titleOfClass>
    <cusip>92204A306</cusip>
    <value>4675579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>38629</Sole>
      <Shared>0</Shared>
      <None>622</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>FINANCIALS ETF  </titleOfClass>
    <cusip>92204A405</cusip>
    <value>11833808</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>90959</Sole>
      <Shared>0</Shared>
      <None>2001</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF  </titleOfClass>
    <cusip>92204A504</cusip>
    <value>5521095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21340</Sole>
      <Shared>0</Shared>
      <None>892</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF  </titleOfClass>
    <cusip>92204A603</cusip>
    <value>1661375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5932</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>INF TECH ETF    </titleOfClass>
    <cusip>92204A702</cusip>
    <value>31982035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>46668</Sole>
      <Shared>0</Shared>
      <None>1550</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>MATERIALS ETF   </titleOfClass>
    <cusip>92204A801</cusip>
    <value>444407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2281</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>UTILITIES ETF   </titleOfClass>
    <cusip>92204A876</cusip>
    <value>2328696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD             </nameOfIssuer>
    <titleOfClass>COMM SRVC ETF   </titleOfClass>
    <cusip>92204A884</cusip>
    <value>2161306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12637</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F  </nameOfIssuer>
    <titleOfClass>GLB EX US ETF   </titleOfClass>
    <cusip>922042676</cusip>
    <value>5169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F  </nameOfIssuer>
    <titleOfClass>FTSE SMCAP ETF  </titleOfClass>
    <cusip>922042718</cusip>
    <value>11020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F  </nameOfIssuer>
    <titleOfClass>TT WRLD ST ETF  </titleOfClass>
    <cusip>922042742</cusip>
    <value>13304776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>102385</Sole>
      <Shared>0</Shared>
      <None>1138</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F  </nameOfIssuer>
    <titleOfClass>ALLWRLD EX US   </titleOfClass>
    <cusip>922042775</cusip>
    <value>30518014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>454002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>377215</Sole>
      <Shared>0</Shared>
      <None>76787</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F  </nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>83121289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1680576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1545463</Sole>
      <Shared>0</Shared>
      <None>135113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F  </nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF </titleOfClass>
    <cusip>922042874</cusip>
    <value>454460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5864</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>161880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2754</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>372219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>704</Sole>
      <Shared>0</Shared>
      <None>3978</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX  </titleOfClass>
    <cusip>92206C664</cusip>
    <value>224330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2572</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW  </titleOfClass>
    <cusip>92206C680</cusip>
    <value>62981318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>576752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>531661</Sole>
      <Shared>0</Shared>
      <None>45091</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>34032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>VNG RUS1000VAL  </titleOfClass>
    <cusip>92206C714</cusip>
    <value>547645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6427</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX  </titleOfClass>
    <cusip>92206C730</cusip>
    <value>488696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1740</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
    <cusip>92206C771</cusip>
    <value>92078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1366</Sole>
      <Shared>0</Shared>
      <None>621</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>LG-TERM COR BD  </titleOfClass>
    <cusip>92206C813</cusip>
    <value>42276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>557</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>LONG TERM TREAS </titleOfClass>
    <cusip>92206C847</cusip>
    <value>10831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>193</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS       </nameOfIssuer>
    <titleOfClass>INT-TERM CORP   </titleOfClass>
    <cusip>92206C870</cusip>
    <value>518084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5480</Sole>
      <Shared>0</Shared>
      <None>768</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VAREX IMAGING CORP            </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92214X106</cusip>
    <value>1543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VARONIS SYS INC               </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>922280102</cusip>
    <value>1117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEECO INSTRS INC DEL          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>922417100</cusip>
    <value>18247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>891</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VEEVA SYS INC                 </nameOfIssuer>
    <titleOfClass>CL A COM        </titleOfClass>
    <cusip>922475108</cusip>
    <value>2560718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8892</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC                    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92276F100</cusip>
    <value>2775506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43327</Sole>
      <Shared>0</Shared>
      <None>624</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS           </nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD   </titleOfClass>
    <cusip>922907746</cusip>
    <value>92863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1894</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS </titleOfClass>
    <cusip>922908363</cusip>
    <value>342008591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>602096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>586332</Sole>
      <Shared>0</Shared>
      <None>15764</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP  </titleOfClass>
    <cusip>922908512</cusip>
    <value>14513595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>86631</Sole>
      <Shared>0</Shared>
      <None>1619</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP  </titleOfClass>
    <cusip>922908538</cusip>
    <value>12055008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40654</Sole>
      <Shared>0</Shared>
      <None>1735</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF </titleOfClass>
    <cusip>922908553</cusip>
    <value>139263300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1563702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1526020</Sole>
      <Shared>0</Shared>
      <None>37682</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>SML CP GRW ETF  </titleOfClass>
    <cusip>922908595</cusip>
    <value>19353121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>67914</Sole>
      <Shared>0</Shared>
      <None>1968</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>SM CP VAL ETF   </titleOfClass>
    <cusip>922908611</cusip>
    <value>17253315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>86229</Sole>
      <Shared>0</Shared>
      <None>2245</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>MID CAP ETF     </titleOfClass>
    <cusip>922908629</cusip>
    <value>119294047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>426309</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>417531</Sole>
      <Shared>0</Shared>
      <None>8778</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>LARGE CAP ETF   </titleOfClass>
    <cusip>922908637</cusip>
    <value>84258790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>282255</Sole>
      <Shared>0</Shared>
      <None>13079</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF  </titleOfClass>
    <cusip>922908652</cusip>
    <value>239712740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1243904</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1190383</Sole>
      <Shared>0</Shared>
      <None>53521</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>GROWTH ETF      </titleOfClass>
    <cusip>922908736</cusip>
    <value>89238512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>196320</Sole>
      <Shared>0</Shared>
      <None>7235</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>VALUE ETF       </titleOfClass>
    <cusip>922908744</cusip>
    <value>51339435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>284594</Sole>
      <Shared>0</Shared>
      <None>5886</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>SMALL CP ETF    </titleOfClass>
    <cusip>922908751</cusip>
    <value>73177054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>308790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>301707</Sole>
      <Shared>0</Shared>
      <None>7083</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS            </nameOfIssuer>
    <titleOfClass>TOTAL STK MKT   </titleOfClass>
    <cusip>922908769</cusip>
    <value>91986542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302657</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>300047</Sole>
      <Shared>0</Shared>
      <None>2610</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERACYTE INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92337F107</cusip>
    <value>757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERA THERAPEUTICS INC         </nameOfIssuer>
    <titleOfClass>CL A            </titleOfClass>
    <cusip>92337R101</cusip>
    <value>102015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4330</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERALTO CORP                  </nameOfIssuer>
    <titleOfClass>COM SHS         </titleOfClass>
    <cusip>92338C103</cusip>
    <value>4634816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44066</Sole>
      <Shared>0</Shared>
      <None>1846</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISIGN INC                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92343E102</cusip>
    <value>1156066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3904</Sole>
      <Shared>0</Shared>
      <None>99</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92343V104</cusip>
    <value>19023482</value>
    <shrsOrPrnAmt>
      <sshPrnamt>439646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>424689</Sole>
      <Shared>0</Shared>
      <None>14957</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERISK ANALYTICS INC          </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92345Y106</cusip>
    <value>2844307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8878</Sole>
      <Shared>0</Shared>
      <None>253</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERITEX HLDGS INC             </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>923451108</cusip>
    <value>9553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>354</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERICEL CORP                  </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92346J108</cusip>
    <value>56932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1327</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERRA MOBILITY CORP           </nameOfIssuer>
    <titleOfClass>CL A COM STK    </titleOfClass>
    <cusip>92511U102</cusip>
    <value>75027</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2946</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC    </nameOfIssuer>
    <titleOfClass>COM             </titleOfClass>
    <cusip>92532F100</cusip>
    <value>10784525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24010</Sole>
      <Shared>0</Shared>
      <None>214</None>
    </votingAuthority>
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  <infoTable>
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    <value>72541</value>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>929328102</cusip>
    <value>10945</value>
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    <cusip>92936U109</cusip>
    <value>248210</value>
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    <cusip>92937A102</cusip>
    <value>8717</value>
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    <titleOfClass>COM             </titleOfClass>
    <cusip>92939U106</cusip>
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    <nameOfIssuer>WISDOMTREE TR                 </nameOfIssuer>
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</informationTable>
