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

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

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO Equities 88579Y101   224,380 1,545 SH   DFND 2 1,545 0 0
3M CO Equities 88579Y101   377,598 2,600 SH   OTR 2 0 2,600 0
AB NEW YORK INTERMEDIATE MUNI ETF Equities 00039J764   6,405,513 256,734 SH   DFND 2 256,734 0 0
ABBOTT LABS Equities 002824100   1,892,105 18,429 SH   DFND 2 18,429 0 0
ABBOTT LABS Equities 002824100   12,936 126 SH   OTR 2 0 126 0
ABBVIE INC Equities 00287Y109   1,065,484 4,899 SH   DFND 2 4,899 0 0
ABBVIE INC Equities 00287Y109   217,490 1,000 SH   OTR 2 0 1,000 0
ADOBE INC Equities 00724F101   1,028,228 4,230 SH   DFND 2 4,230 0 0
ADOBE INC Equities 00724F101   18,231 75 SH   OTR 2 0 75 0
ALPHABET INC CL A Equities 02079K305   13,934,870 48,459 SH   DFND 2 48,459 0 0
ALPHABET INC CL A Equities 02079K305   1,289,419 4,484 SH   OTR 2 0 4,484 0
ALPHABET INC CL C Equities 02079K107   2,792,008 9,733 SH   DFND 2 9,733 0 0
ALPHABET INC CL C Equities 02079K107   299,769 1,045 SH   OTR 2 0 1,045 0
AMAZON.COM INC Equities 023135106   7,696,618 36,955 SH   DFND 2 36,955 0 0
AMAZON.COM INC Equities 023135106   434,243 2,085 SH   OTR 2 0 2,085 0
AMERICAN ELEC PWR INC Equities 025537101   1,039,595 7,931 SH   DFND 2 7,931 0 0
AMERICAN EXPRESS CO Equities 025816109   607,682 2,009 SH   DFND 2 2,009 0 0
AMERICAN EXPRESS CO Equities 025816109   151,240 500 SH   OTR 2 0 500 0
AMERICAN WATER WORKS CO INC Equities 030420103   1,094,980 8,046 SH   DFND 2 8,046 0 0
AMERICAN WATER WORKS CO INC Equities 030420103   34,567 254 SH   OTR 2 0 254 0
AMGEN INC Equities 031162100   2,961,170 8,416 SH   DFND 2 8,416 0 0
AMGEN INC Equities 031162100   112,944 321 SH   OTR 2 0 321 0
AMPHENOL CORP CL A Equities 032095101   4,721,068 37,365 SH   DFND 2 37,365 0 0
AMPHENOL CORP CL A Equities 032095101   195,590 1,548 SH   OTR 2 0 1,548 0
APPLE INC Equities 037833100   16,169,468 63,712 SH   DFND 2 63,712 0 0
APPLE INC Equities 037833100   1,389,246 5,474 SH   OTR 2 0 5,474 0
APPLIED MATERIALS INC Equities 038222105   575,916 1,685 SH   DFND 2 1,685 0 0
ARROW FINANCIAL CORPORATION Equities 042744102   63,072,625 1,878,839 SH   DFND 2 1,878,839 0 0
AT&T INC Equities 00206R102   223,020 7,693 SH   DFND 2 7,693 0 0
AT&T INC Equities 00206R102   13,654 471 SH   OTR 2 0 471 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   222,076 1,093 SH   DFND 2 1,093 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   474,628 2,336 SH   OTR 2 0 2,336 0
BANK OF AMERICA CORP Equities 060505104   2,867,036 58,811 SH   DFND 2 58,811 0 0
BANK OF AMERICA CORP Equities 060505104   196,463 4,030 SH   OTR 2 0 4,030 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   4,077,034 8,508 SH   DFND 2 8,508 0 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702   289,916 605 SH   OTR 2 0 605 0
BLACKROCK INC Equities 09290D101   3,094,783 3,218 SH   DFND 2 3,218 0 0
BLACKROCK INC Equities 09290D101   191,380 199 SH   OTR 2 0 199 0
BRISTOL MYERS SQUIBB CO Equities 110122108   249,939 4,121 SH   DFND 2 4,121 0 0
BRISTOL MYERS SQUIBB CO Equities 110122108   12,737 210 SH   OTR 2 0 210 0
BROADCOM INC Equities 11135F101   1,955,794 6,319 SH   DFND 2 6,319 0 0
CARRIER GLOBAL CORP Equities 14448C104   15,485 275 SH   DFND 2 275 0 0
CARRIER GLOBAL CORP Equities 14448C104   264,657 4,700 SH   OTR 2 0 4,700 0
CATERPILLAR INC Equities 149123101   3,588,350 5,065 SH   DFND 2 5,065 0 0
CATERPILLAR INC Equities 149123101   605,025 854 SH   OTR 2 0 854 0
CHEVRON CORPORATION Equities 166764100   1,255,676 6,069 SH   DFND 2 6,069 0 0
CHEVRON CORPORATION Equities 166764100   271,867 1,314 SH   OTR 2 0 1,314 0
CISCO SYSTEMS INC Equities 17275R102   3,583,882 46,190 SH   DFND 2 46,190 0 0
CISCO SYSTEMS INC Equities 17275R102   96,600 1,245 SH   OTR 2 0 1,245 0
COCA COLA CO Equities 191216100   2,370,326 31,168 SH   DFND 2 31,168 0 0
COCA COLA CO Equities 191216100   130,502 1,716 SH   OTR 2 0 1,716 0
COLGATE PALMOLIVE CO Equities 194162103   146,937 1,724 SH   DFND 2 1,724 0 0
COLGATE PALMOLIVE CO Equities 194162103   427,428 5,015 SH   OTR 2 0 5,015 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852   77,602 700 SH   DFND 2 700 0 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852   360,849 3,255 SH   OTR 2 0 3,255 0
CONOCOPHILLIPS Equities 20825C104   1,732,500 13,125 SH   DFND 2 13,125 0 0
CONOCOPHILLIPS Equities 20825C104   54,120 410 SH   OTR 2 0 410 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407   215,453 1,977 SH   DFND 2 1,977 0 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407   394,726 3,622 SH   OTR 2 0 3,622 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308   38,531 470 SH   DFND 2 470 0 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308   203,802 2,486 SH   OTR 2 0 2,486 0
COSTCO WHOLESALE CORP Equities 22160K105   3,332,062 3,344 SH   DFND 2 3,344 0 0
COSTCO WHOLESALE CORP Equities 22160K105   89,679 90 SH   OTR 2 0 90 0
CUMMINS INC Equities 231021106   1,933,644 3,594 SH   DFND 2 3,594 0 0
CUMMINS INC Equities 231021106   78,551 146 SH   OTR 2 0 146 0
DANAHER CORP Equities 235851102   1,595,674 8,416 SH   DFND 2 8,416 0 0
DANAHER CORP Equities 235851102   9,480 50 SH   OTR 2 0 50 0
DISNEY WALT CO NEW Equities 254687106   2,569,876 26,664 SH   DFND 2 26,664 0 0
DISNEY WALT CO NEW Equities 254687106   83,754 869 SH   OTR 2 0 869 0
DOLLAR TREE INC Equities 256746108   305,533 2,790 SH   DFND 2 2,790 0 0
DOMINION ENERGY INC Equities 25746U109   797,973 12,908 SH   DFND 2 12,908 0 0
DOMINION ENERGY INC Equities 25746U109   10,386 168 SH   OTR 2 0 168 0
EASTMAN CHEMICAL CO Equities 277432100   553,931 7,258 SH   DFND 2 7,258 0 0
EATON CORP PLC Equities G29183103   772,925 2,161 SH   DFND 2 2,161 0 0
EATON CORP PLC Equities G29183103   169,893 475 SH   OTR 2 0 475 0
ECOLAB INC Equities 278865100   405,148 1,523 SH   DFND 2 1,523 0 0
ECOLAB INC Equities 278865100   164,400 618 SH   OTR 2 0 618 0
EMERSON ELEC CO Equities 291011104   167,313 1,277 SH   DFND 2 1,277 0 0
EMERSON ELEC CO Equities 291011104   251,558 1,920 SH   OTR 2 0 1,920 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506   242,345 3,956 SH   DFND 2 3,956 0 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506   144,574 2,360 SH   OTR 2 0 2,360 0
EXXON MOBIL CORP Equities 30231G102   3,557,431 20,968 SH   DFND 2 20,968 0 0
EXXON MOBIL CORP Equities 30231G102   1,068,179 6,296 SH   OTR 2 0 6,296 0
FEDEX CORPORATION Equities 31428X106   241,490 678 SH   DFND 2 678 0 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605   622,358 12,606 SH   DFND 2 12,606 0 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605   504,858 10,226 SH   OTR 2 0 10,226 0
FORD MOTOR CO DEL Equities 345370860   121,170 10,500 SH   DFND 2 10,500 0 0
GE AEROSPACE Equities 369604301   880,538 3,103 SH   DFND 2 3,103 0 0
GE VERNOVA LLC Equities 36828A101   721,888 827 SH   DFND 2 827 0 0
GENERAL DYNAMICS CORP Equities 369550108   2,156,108 6,282 SH   DFND 2 6,282 0 0
GENERAL DYNAMICS CORP Equities 369550108   34,322 100 SH   OTR 2 0 100 0
GOLDMAN SACHS GROUP INC Equities 38141G104   189,502 224 SH   DFND 2 224 0 0
GOLDMAN SACHS GROUP INC Equities 38141G104   21,150 25 SH   OTR 2 0 25 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209   486,892 3,321 SH   DFND 2 3,321 0 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209   371,070 2,531 SH   OTR 2 0 2,531 0
HOME DEPOT INC Equities 437076102   4,448,237 13,525 SH   DFND 2 13,525 0 0
HOME DEPOT INC Equities 437076102   422,295 1,284 SH   OTR 2 0 1,284 0
HONEYWELL INTERNATIONAL INC Equities 438516106   2,270,019 10,043 SH   DFND 2 10,043 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   59,672 264 SH   OTR 2 0 264 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704   517,536 3,200 SH   DFND 2 3,200 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704   342,706 2,119 SH   OTR 2 0 2,119 0
INGERSOLL-RAND INC Equities 45687V106   808,892 10,096 SH   DFND 2 10,096 0 0
INGERSOLL-RAND INC Equities 45687V106   53,680 670 SH   OTR 2 0 670 0
INTEL CORP Equities 458140100   278,460 6,310 SH   DFND 2 6,310 0 0
INTEL CORP Equities 458140100   112,090 2,540 SH   OTR 2 0 2,540 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   3,062,556 19,472 SH   DFND 2 19,472 0 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104   112,298 714 SH   OTR 2 0 714 0
INTL. BUSINESS MACHINES CORP Equities 459200101   276,567 1,141 SH   DFND 2 1,141 0 0
INTL. BUSINESS MACHINES CORP Equities 459200101   732,745 3,023 SH   OTR 2 0 3,023 0
INTUIT INC Equities 461202103   324,285 750 SH   OTR 2 0 750 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   80,184,732 138,925 SH   DFND 2 138,925 0 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   275,315 477 SH   OTR 2 0 477 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653   9,075,151 90,102 SH   DFND 2 90,102 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653   16,317 162 SH   OTR 2 0 162 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326   45,815,619 548,230 SH   DFND 2 548,230 0 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326   836,536 10,010 SH   OTR 2 0 10,010 0
ISHARES CORE S&P 500 ETF Equities 464287200   840,028 1,286 SH   DFND 2 1,286 0 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   62,111,203 919,758 SH   DFND 2 919,758 0 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   319,281 4,728 SH   OTR 2 0 4,728 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804   47,075,505 378,696 SH   DFND 2 378,696 0 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804   848,287 6,824 SH   OTR 2 0 6,824 0
ISHARES CORE U.S. AGGREGATE Equities 464287226   6,184,720 62,302 SH   DFND 2 62,302 0 0
ISHARES ESG AWARE 1-5 YEAR USD ETF Equities 46435G243   865,870 34,545 SH   DFND 2 34,545 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528   30,269,952 1,318,952 SH   DFND 2 1,318,952 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528   700,021 30,502 SH   OTR 2 0 30,502 0
ISHARES IBONDS DEC 2026 MUNI ETF Mutual Funds 46435U259   242,229 9,451 SH   DFND 2 9,451 0 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0   10,137,047 418,194 SH   DFND 2 418,194 0 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0   178,358 7,358 SH   OTR 2 0 7,358 0
ISHARES IBONDS DEC 2027 MUNI ETF Mutual Funds 46435U283   242,112 9,517 SH   DFND 2 9,517 0 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9   10,308,545 425,270 SH   DFND 2 425,270 0 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9   230,377 9,504 SH   OTR 2 0 9,504 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515   14,448,270 570,401 SH   DFND 2 570,401 0 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515   182,325 7,198 SH   OTR 2 0 7,198 0
ISHARES IBONDS DEC 2028 TERM MUNI Mutual Funds 46435U325   241,207 9,448 SH   DFND 2 9,448 0 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205   14,617,946 628,458 SH   DFND 2 628,458 0 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205   306,218 13,165 SH   OTR 2 0 13,165 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726   14,688,068 670,994 SH   DFND 2 670,994 0 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726   306,110 13,984 SH   OTR 2 0 13,984 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486   14,771,804 705,771 SH   DFND 2 705,771 0 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486   355,538 16,987 SH   OTR 2 0 16,987 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312   15,170,418 600,333 SH   DFND 2 600,333 0 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312   358,303 14,179 SH   OTR 2 0 14,179 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130   14,888,408 575,953 SH   DFND 2 575,953 0 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130   357,790 13,841 SH   OTR 2 0 13,841 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653   11,142,758 427,580 SH   DFND 2 427,580 0 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653   357,804 13,730 SH   OTR 2 0 13,730 0
ISHARES NATIONAL MUNI BOND ETF Mutual Funds 464288414   1,100,776 10,370 SH   DFND 2 10,370 0 0
ISHARES NEW YORK MUNI BOND ETF Mutual Funds 464288323   4,574,694 86,120 SH   DFND 2 86,120 0 0
ISHARES RUSSELL MIDCAP ETF Equities 464287499   396,309 4,076 SH   DFND 2 4,076 0 0
ISHARES TR IBONDS DEC 2035 Equities 46438G372   14,742,372 574,975 SH   DFND 2 574,975 0 0
ISHARES TR IBONDS DEC 2035 Equities 46438G372   306,193 11,942 SH   OTR 2 0 11,942 0
J P MORGAN EXCHANGE TRADED FD EQUITY PREMIUM Equities 46641Q332   14,295,509 252,214 SH   DFND 2 252,214 0 0
J P MORGAN EXCHANGE TRADED FD EQUITY PREMIUM Equities 46641Q332   217,878 3,844 SH   OTR 2 0 3,844 0
J P MORGAN EXCHANGE TRADED FD NASDAQ EQT PREM Equities 46654Q203   880,714 15,863 SH   DFND 2 15,863 0 0
JOHNSON & JOHNSON Equities 478160104   3,633,845 14,866 SH   DFND 2 14,866 0 0
JOHNSON & JOHNSON Equities 478160104   1,030,070 4,214 SH   OTR 2 0 4,214 0
JP MORGAN CHASE & CO Equities 46625H100   5,718,470 19,440 SH   DFND 2 19,440 0 0
JP MORGAN CHASE & CO Equities 46625H100   1,461,093 4,967 SH   OTR 2 0 4,967 0
LILLY ELI & CO Equities 532457108   3,039,840 3,305 SH   DFND 2 3,305 0 0
LILLY ELI & CO Equities 532457108   1,265,604 1,376 SH   OTR 2 0 1,376 0
LOCKHEED MARTIN CORP Equities 539830109   244,174 404 SH   DFND 2 404 0 0
LOWES COS INC Equities 548661107   1,102,719 4,667 SH   DFND 2 4,667 0 0
LOWES COS INC Equities 548661107   35,442 150 SH   OTR 2 0 150 0
LYONDELLBASELL INDUSTRIES NV Equities N53745100   642,063 7,970 SH   DFND 2 7,970 0 0
MARVELL TECHNOLOGY INC Equities 573874104   2,669,596 26,952 SH   DFND 2 26,952 0 0
MARVELL TECHNOLOGY INC Equities 573874104   151,844 1,533 SH   OTR 2 0 1,533 0
MASCO CORP Equities 574599106   1,407,708 23,318 SH   DFND 2 23,318 0 0
MASCO CORP Equities 574599106   16,058 266 SH   OTR 2 0 266 0
MASTERCARD INC CL A Equities 57636Q104   1,728,824 3,460 SH   DFND 2 3,460 0 0
MASTERCARD INC CL A Equities 57636Q104   29,980 60 SH   OTR 2 0 60 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100   1,345,937 26,934 SH   DFND 2 26,934 0 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100   159,709 3,196 SH   OTR 2 0 3,196 0
MCDONALDS CORP Equities 580135101   2,891,901 9,305 SH   DFND 2 9,305 0 0
MCDONALDS CORP Equities 580135101   54,388 175 SH   OTR 2 0 175 0
MCKESSON CORP COM Equities 58155Q103   976,991 1,129 SH   DFND 2 1,129 0 0
MERCK & CO INC Equities 58933Y105   458,305 3,810 SH   DFND 2 3,810 0 0
MERCK & CO INC Equities 58933Y105   379,515 3,155 SH   OTR 2 0 3,155 0
META PLATFORMS INC CL A Equities 30303M102   4,320,726 7,552 SH   DFND 2 7,552 0 0
META PLATFORMS INC CL A Equities 30303M102   259,747 454 SH   OTR 2 0 454 0
MICROSOFT CORP Equities 594918104   11,771,036 31,799 SH   DFND 2 31,799 0 0
MICROSOFT CORP Equities 594918104   1,451,437 3,921 SH   OTR 2 0 3,921 0
MORGAN STANLEY Equities 617446448   2,299,701 13,974 SH   DFND 2 13,974 0 0
MORGAN STANLEY Equities 617446448   199,788 1,214 SH   OTR 2 0 1,214 0
NETFLIX INC Equities 64110L106   2,549,898 26,520 SH   DFND 2 26,520 0 0
NETFLIX INC Equities 64110L106   105,765 1,100 SH   OTR 2 0 1,100 0
NEXTERA ENERGY INC Equities 65339F101   481,583 5,185 SH   DFND 2 5,185 0 0
NEXTERA ENERGY INC Equities 65339F101   153,624 1,654 SH   OTR 2 0 1,654 0
NORFOLK SOUTHERN CORP Equities 655844108   232,183 809 SH   DFND 2 809 0 0
NUVEEN ESG SMALL-CAP ETF Equities 67092P607   232,059 5,150 SH   DFND 2 5,150 0 0
NVIDIA CORP Equities 67066G104   16,329,246 93,631 SH   DFND 2 93,631 0 0
NVIDIA CORP Equities 67066G104   1,106,568 6,345 SH   OTR 2 0 6,345 0
OPKO HEALTH INC COM Equities 68375N103   28,500 25,000 SH   DFND 2 25,000 0 0
ORACLE CORPORATION Equities 68389X105   4,091,718 27,814 SH   DFND 2 27,814 0 0
ORACLE CORPORATION Equities 68389X105   514,149 3,495 SH   OTR 2 0 3,495 0
PALO ALTO NETWORKS INC Equities 697435105   2,429,489 15,154 SH   DFND 2 15,154 0 0
PALO ALTO NETWORKS INC Equities 697435105   58,356 364 SH   OTR 2 0 364 0
PEPSICO INC Equities 713448108   1,146,661 7,384 SH   DFND 2 7,384 0 0
PEPSICO INC Equities 713448108   256,384 1,651 SH   OTR 2 0 1,651 0
PFIZER INC Equities 717081103   83,566 2,976 SH   DFND 2 2,976 0 0
PFIZER INC Equities 717081103   238,680 8,500 SH   OTR 2 0 8,500 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833   370,600 3,685 SH   DFND 2 3,685 0 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833   99,061 985 SH   OTR 2 0 985 0
PROCTER & GAMBLE CO Equities 742718109   2,349,317 16,265 SH   DFND 2 16,265 0 0
PROCTER & GAMBLE CO Equities 742718109   278,480 1,928 SH   OTR 2 0 1,928 0
QUANTA SERVICES INC Equities 74762E102   2,252,629 4,103 SH   DFND 2 4,103 0 0
QUANTA SERVICES INC Equities 74762E102   79,059 144 SH   OTR 2 0 144 0
REAL ESTATE SELECT SECTOR SPDR FUND Equities 81369Y860   196,610 4,815 SH   DFND 2 4,815 0 0
REAL ESTATE SELECT SECTOR SPDR FUND Equities 81369Y860   142,048 3,479 SH   OTR 2 0 3,479 0
RTX CORPORATION Equities 75513E101   396,217 2,054 SH   DFND 2 2,054 0 0
RTX CORPORATION Equities 75513E101   915,311 4,745 SH   OTR 2 0 4,745 0
SALESFORCE INC Equities 79466L302   3,130,643 16,771 SH   DFND 2 16,771 0 0
SALESFORCE INC Equities 79466L302   117,042 627 SH   OTR 2 0 627 0
SNOWFLAKE INC CL A Equities 833445109   409,024 2,712 SH   DFND 2 2,712 0 0
SNOWFLAKE INC CL A Equities 833445109   22,925 152 SH   OTR 2 0 152 0
SOUTHERN COMPANY Equities 842587107   671,200 6,954 SH   DFND 2 6,954 0 0
SPDR GOLD TRUST Equities 78463V107   626,933 1,457 SH   DFND 2 1,457 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF Equities 78464A409   469,185 4,792 SH   DFND 2 4,792 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508   44,117,601 779,738 SH   DFND 2 779,738 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508   89,792 1,587 SH   OTR 2 0 1,587 0
SPDR S&P 500 ETF TRUST Equities 78462F103   1,456,111 2,239 SH   DFND 2 2,239 0 0
SPDR S&P BIOTECH ETF Equities 78464A870   207,689 1,626 SH   DFND 2 1,626 0 0
SPDR S&P BIOTECH ETF Equities 78464A870   8,941 70 SH   OTR 2 0 70 0
STARBUCKS CORP Equities 855244109   246,731 2,754 SH   DFND 2 2,754 0 0
STARBUCKS CORP Equities 855244109   99,893 1,115 SH   OTR 2 0 1,115 0
STRYKER CORPORATION Equities 863667101   2,200,896 6,698 SH   DFND 2 6,698 0 0
STRYKER CORPORATION Equities 863667101   286,859 873 SH   OTR 2 0 873 0
SYSCO CORP Equities 871829107   743,045 10,417 SH   DFND 2 10,417 0 0
SYSCO CORP Equities 871829107   18,546 260 SH   OTR 2 0 260 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803   971,499 7,310 SH   DFND 2 7,310 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803   1,266,803 9,532 SH   OTR 2 0 9,532 0
TEMA ELECTRIFICATION ETF Equities 87975E834   15,847,264 462,828 SH   DFND 2 462,828 0 0
TEMA ELECTRIFICATION ETF Equities 87975E834   27,940 816 SH   OTR 2 0 816 0
TERADYNE INC Equities 880770102   1,534,477 5,176 SH   DFND 2 5,176 0 0
TERADYNE INC Equities 880770102   147,341 497 SH   OTR 2 0 497 0
TESLA INC Equities 88160R101   1,498,153 4,030 SH   DFND 2 4,030 0 0
TESLA INC Equities 88160R101   81,042 218 SH   OTR 2 0 218 0
TEXAS INSTRUMENTS INC Equities 882508104   690,944 3,559 SH   DFND 2 3,559 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   2,376,548 4,835 SH   DFND 2 4,835 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   51,611 105 SH   OTR 2 0 105 0
TJX COS INC Equities 872540109   3,021,524 18,920 SH   DFND 2 18,920 0 0
TJX COS INC Equities 872540109   262,227 1,642 SH   OTR 2 0 1,642 0
T-MOBILE US INC Equities 872590104   2,406,734 11,459 SH   DFND 2 11,459 0 0
T-MOBILE US INC Equities 872590104   52,297 249 SH   OTR 2 0 249 0
TORONTO DOMINION BANK Equities 891160509   54,493 584 SH   DFND 2 584 0 0
TORONTO DOMINION BANK Equities 891160509   194,458 2,084 SH   OTR 2 0 2,084 0
TRAVELERS COMPANIES INC Equities 89417E109   2,247,394 7,705 SH   DFND 2 7,705 0 0
TRAVELERS COMPANIES INC Equities 89417E109   27,126 93 SH   OTR 2 0 93 0
UNION PAC CORP Equities 907818108   1,945,327 8,018 SH   DFND 2 8,018 0 0
UNION PAC CORP Equities 907818108   103,599 427 SH   OTR 2 0 427 0
UNITEDHEALTH GROUP INC Equities 91324P102   441,603 1,632 SH   DFND 2 1,632 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   72,518 268 SH   OTR 2 0 268 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   461,057 10,047 SH   DFND 2 10,047 0 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886   133,448 2,908 SH   OTR 2 0 2,908 0
VANGUARD MID-CAP ETF Equities 922908629   20,205,723 70,360 SH   DFND 2 70,360 0 0
VANGUARD MID-CAP ETF Equities 922908629   1,925,517 6,705 SH   OTR 2 0 6,705 0
VANGUARD REAL ESTATE ETF Equities 922908553   537,877 6,064 SH   DFND 2 6,064 0 0
VANGUARD REAL ESTATE ETF Equities 922908553   8,870 100 SH   OTR 2 0 100 0
VANGUARD S&P 500 ETF Equities 922908363   119,618,580 200,181 SH   DFND 2 200,181 0 0
VANGUARD S&P 500 ETF Equities 922908363   1,159,845 1,941 SH   OTR 2 0 1,941 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409   4,501,981 56,793 SH   DFND 2 56,793 0 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409   287,512 3,627 SH   OTR 2 0 3,627 0
VANGUARD SMALL-CAP ETF Equities 922908751   7,627,896 29,123 SH   DFND 2 29,123 0 0
VANGUARD SMALL-CAP ETF Equities 922908751   563,652 2,152 SH   OTR 2 0 2,152 0
VANGUARD TOTAL BOND MARKET ETF Equities 921937835   1,334,799 18,126 SH   DFND 2 18,126 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   442,076 1,378 SH   DFND 2 1,378 0 0
VERIZON COMMUNICATIONS Equities 92343V104   389,452 7,758 SH   DFND 2 7,758 0 0
VERIZON COMMUNICATIONS Equities 92343V104   61,846 1,232 SH   OTR 2 0 1,232 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   1,142,249 2,558 SH   DFND 2 2,558 0 0
VERTEX PHARMACEUTICALS INC Equities 92532F100   194,691 436 SH   OTR 2 0 436 0
VISA INC CL A Equities 92826C839   3,885,295 12,855 SH   DFND 2 12,855 0 0
VISA INC CL A Equities 92826C839   259,624 859 SH   OTR 2 0 859 0
WALMART INC Equities 931142103   3,507,306 28,221 SH   DFND 2 28,221 0 0
WALMART INC Equities 931142103   90,103 725 SH   OTR 2 0 725 0
WELLS FARGO & CO Equities 949746101   350,204 4,399 SH   DFND 2 4,399 0 0
WILLIAMS COS INC Equities 969457100   2,192,061 30,119 SH   DFND 2 30,119 0 0
WILLIAMS COS INC Equities 969457100   92,285 1,268 SH   OTR 2 0 1,268 0
YUM BRANDS INC Equities 988498101   1,452,805 9,344 SH   DFND 2 9,344 0 0
YUM BRANDS INC Equities 988498101   11,195 72 SH   OTR 2 0 72 0