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    <nameOfIssuer>ABERCROMBIE &amp; FITCH CO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>002896207</cusip>
    <value>647539</value>
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      <Sole>7087</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
    <titleOfClass>SHS CLASS A</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>83282</value>
    <shrsOrPrnAmt>
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      <Sole>420</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ACCENTURE PLC IRELAND</nameOfIssuer>
    <titleOfClass>SHS CLASS A</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>201264</value>
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      <sshPrnamt>1015</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADOBE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00724F101</cusip>
    <value>1546961</value>
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      <sshPrnamt>6364</sshPrnamt>
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      <Sole>6364</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
    <value>309010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1519</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
    <value>172305</value>
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      <sshPrnamt>847</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>847</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AGILENT TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00846U101</cusip>
    <value>206076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AIRBNB INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>009066101</cusip>
    <value>299410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2371</sshPrnamt>
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    <otherManager>4</otherManager>
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      <Sole>2371</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AIRBNB INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>009066101</cusip>
    <value>210382</value>
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      <Sole>1666</Sole>
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      <None>0</None>
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    <nameOfIssuer>ALLEGION PLC</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G0176J109</cusip>
    <value>93131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>641</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>641</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>018802108</cusip>
    <value>1361861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>18978</Sole>
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    <nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>018802108</cusip>
    <value>130531</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <otherManager>4</otherManager>
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      <Sole>1819</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>ALLY FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02005N100</cusip>
    <value>146916</value>
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      <sshPrnamt>3745</sshPrnamt>
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    <otherManager>4</otherManager>
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      <Sole>3745</Sole>
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      <None>0</None>
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    <nameOfIssuer>ALNYLAM PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02043Q107</cusip>
    <value>455939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1378</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1378</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL A</titleOfClass>
    <cusip>02079K305</cusip>
    <value>3411899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11865</sshPrnamt>
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    <otherManager>4</otherManager>
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      <Sole>11865</Sole>
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      <None>0</None>
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    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL A</titleOfClass>
    <cusip>02079K305</cusip>
    <value>4868391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16930</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>16930</Sole>
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    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL A</titleOfClass>
    <cusip>02079K305</cusip>
    <value>467285</value>
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      <sshPrnamt>1625</sshPrnamt>
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      <Sole>1625</Sole>
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    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL A</titleOfClass>
    <cusip>02079K305</cusip>
    <value>1130973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3933</sshPrnamt>
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      <Sole>3933</Sole>
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    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL C</titleOfClass>
    <cusip>02079K107</cusip>
    <value>3423674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11935</sshPrnamt>
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      <Sole>11935</Sole>
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    <nameOfIssuer>ALPHABET INC</nameOfIssuer>
    <titleOfClass>CAP STK CL C</titleOfClass>
    <cusip>02079K107</cusip>
    <value>1260750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4395</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>4395</Sole>
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    <nameOfIssuer>ALTRIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02209S103</cusip>
    <value>1431785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>21697</Sole>
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    </votingAuthority>
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    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>5236949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>25145</Sole>
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    </votingAuthority>
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    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>8822317</value>
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      <sshPrnamt>42360</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>42360</Sole>
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    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>557955</value>
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      <Sole>2679</Sole>
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    <nameOfIssuer>AMAZON COM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>023135106</cusip>
    <value>1101540</value>
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      <sshPrnamt>5289</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>5289</Sole>
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  <infoTable>
    <nameOfIssuer>AMERICAN INTL GROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>026874784</cusip>
    <value>582586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>7742</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03027X100</cusip>
    <value>1522156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>8820</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03027X100</cusip>
    <value>59885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>347</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMPHENOL CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>032095101</cusip>
    <value>230589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AON PLC</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>446405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1383</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AON PLC</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>229174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>6982017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>27511</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>1676029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>6604</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>APTIV PLC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>G3265R107</cusip>
    <value>116937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1684</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARAMARK</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03852U106</cusip>
    <value>223821</value>
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      <sshPrnamt>5521</sshPrnamt>
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      <Sole>5521</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARCH CAP GROUP LTD</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>G0450A105</cusip>
    <value>69305</value>
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      <sshPrnamt>722</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>722</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>040413205</cusip>
    <value>627283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>5109</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>040413205</cusip>
    <value>207375</value>
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      <sshPrnamt>1689</sshPrnamt>
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    <nameOfIssuer>ASGN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00191U102</cusip>
    <value>189447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4894</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>4894</Sole>
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      <None>0</None>
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    <nameOfIssuer>ASML HLDG NV</nameOfIssuer>
    <titleOfClass>N Y REGISTRY SHS</titleOfClass>
    <cusip>N07059210</cusip>
    <value>480782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>364</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>364</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>ATLASSIAN CORPORATION</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>049468101</cusip>
    <value>442397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6482</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>6482</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>AUTODESK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>052769106</cusip>
    <value>151301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>632</sshPrnamt>
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    <otherManager>4</otherManager>
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      <Sole>632</Sole>
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      <None>0</None>
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    <nameOfIssuer>AXIS CAP HLDGS LTD</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G0692U109</cusip>
    <value>329684</value>
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      <sshPrnamt>3251</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>3251</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANK AMERICA CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>060505104</cusip>
    <value>1904419</value>
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      <sshPrnamt>39065</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>39065</Sole>
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      <None>0</None>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>075887109</cusip>
    <value>123426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>785</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>785</Sole>
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      <None>0</None>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>075887109</cusip>
    <value>167607</value>
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      <sshPrnamt>1066</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1066</Sole>
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      <None>0</None>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>1806105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3769</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>3769</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
    <cusip>084670702</cusip>
    <value>2584326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>5393</Sole>
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      <None>0</None>
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    <nameOfIssuer>BEST BUY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>086516101</cusip>
    <value>342764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>5339</Sole>
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      <None>0</None>
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    <nameOfIssuer>BIOMARIN PHARMACEUTICAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09061G101</cusip>
    <value>734201</value>
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      <sshPrnamt>12997</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>12997</Sole>
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      <None>0</None>
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    <nameOfIssuer>BJS WHSL CLUB HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>05550J101</cusip>
    <value>160818</value>
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      <sshPrnamt>1634</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1634</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
    <value>1907275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>453</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>099502106</cusip>
    <value>74831</value>
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      <sshPrnamt>959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>959</Sole>
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      <None>0</None>
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    <nameOfIssuer>BOSTON SCIENTIFIC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>101137107</cusip>
    <value>135415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>2158</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>109194100</cusip>
    <value>249922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>3043</Sole>
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      <None>0</None>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>2765761</value>
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      <sshPrnamt>45602</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>45602</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>3686264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11910</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11910</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>129066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>417</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>755204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2440</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>2440</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12008R107</cusip>
    <value>65535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>796</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>796</Sole>
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      <None>0</None>
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    <nameOfIssuer>CACI INTL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>127190304</cusip>
    <value>231145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>425</Sole>
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      <None>0</None>
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    <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>127387108</cusip>
    <value>150050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>540</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136375102</cusip>
    <value>195469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1902</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1902</Sole>
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      <None>0</None>
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    <nameOfIssuer>CANADIAN NAT RES LTD MED TER</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136385101</cusip>
    <value>223768</value>
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      <sshPrnamt>4592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>4592</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>679369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3724</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>3724</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>113685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>538</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>538</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CARMAX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>143130102</cusip>
    <value>60208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1448</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1448</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>143658300</cusip>
    <value>275700</value>
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      <sshPrnamt>10653</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>10653</Sole>
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      <None>0</None>
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    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>252920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>357</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>15135B101</cusip>
    <value>1273946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38911</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>38911</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHARLES RIV LABS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>159864107</cusip>
    <value>101430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>588</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>849673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>9041</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>231191</value>
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      <sshPrnamt>2460</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>2460</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>16119P108</cusip>
    <value>58288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>270</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>16411R208</cusip>
    <value>49942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>176</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
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      <None>0</None>
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    <nameOfIssuer>CHEWY INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>16679L109</cusip>
    <value>413127</value>
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      <sshPrnamt>15301</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>3081699</value>
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      <Sole>96273</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHUBB LTD SWITZ</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>H1467J104</cusip>
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      <Sole>7080</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHUBB LTD SWITZ</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>748</Sole>
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    <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
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    <cusip>125523100</cusip>
    <value>454009</value>
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      <sshPrnamt>1702</sshPrnamt>
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    <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
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    <cusip>125523100</cusip>
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      <None>0</None>
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    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
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    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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      <Sole>12582</Sole>
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    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
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      <sshPrnamt>437</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>437</Sole>
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    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>2394698</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>8108</Sole>
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      <None>0</None>
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    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>238938</value>
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      <sshPrnamt>809</sshPrnamt>
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      <Sole>809</Sole>
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    <nameOfIssuer>CMS ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125896100</cusip>
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      <Sole>18343</Sole>
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      <None>0</None>
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    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>192446102</cusip>
    <value>97485</value>
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      <Sole>1589</Sole>
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      <None>0</None>
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    <nameOfIssuer>COHERENT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>19247G107</cusip>
    <value>131254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>551</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>551</Sole>
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      <None>0</None>
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    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
    <value>126993</value>
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      <sshPrnamt>1490</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1490</Sole>
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      <None>0</None>
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    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>20030N101</cusip>
    <value>490338</value>
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      <sshPrnamt>17079</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>17079</Sole>
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      <None>0</None>
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    <nameOfIssuer>COMFORT SYS USA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>199908104</cusip>
    <value>632956</value>
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      <sshPrnamt>459</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>459</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>1172952</value>
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      <sshPrnamt>8886</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>8886</Sole>
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    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>20825C104</cusip>
    <value>252252</value>
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      <Sole>1911</Sole>
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  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>21036P108</cusip>
    <value>124950</value>
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      <sshPrnamt>833</sshPrnamt>
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      <Sole>833</Sole>
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      <None>0</None>
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    <nameOfIssuer>COOPER COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>216648501</cusip>
    <value>132633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1855</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1855</Sole>
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      <None>0</None>
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    <nameOfIssuer>COSTCO WHOLESALE CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22160K105</cusip>
    <value>981484</value>
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      <sshPrnamt>985</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>985</Sole>
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      <None>0</None>
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    <nameOfIssuer>CROWN CASTLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22822V101</cusip>
    <value>2079259</value>
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      <sshPrnamt>25572</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>25572</Sole>
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      <None>0</None>
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    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>801296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19520</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>19520</Sole>
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      <None>0</None>
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    <nameOfIssuer>CULLEN FROST BANKERS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>229899109</cusip>
    <value>60315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>440</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CURTISS WRIGHT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>231561101</cusip>
    <value>123964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>182</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>182</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DECKERS OUTDOOR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>243537107</cusip>
    <value>172855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1727</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1727</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>244199105</cusip>
    <value>147021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>261</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>261</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL C</titleOfClass>
    <cusip>24703L202</cusip>
    <value>194166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1183</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1183</Sole>
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  <infoTable>
    <nameOfIssuer>DELTA AIR LINES INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>247361702</cusip>
    <value>730416</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>10987</Sole>
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      <None>0</None>
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    <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253393102</cusip>
    <value>269080</value>
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      <sshPrnamt>1357</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1357</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256677105</cusip>
    <value>662870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5583</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>5583</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>1291234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20887</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>20887</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOVER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260003108</cusip>
    <value>166760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>800</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DRAFTKINGS INC NEW</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>26142V105</cusip>
    <value>670544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>31015</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>156342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1194</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1194</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DYNATRACE INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>268150109</cusip>
    <value>251316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>6796</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ECHOSTAR CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>278768106</cusip>
    <value>214121</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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    <nameOfIssuer>EDISON INTL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>281020107</cusip>
    <value>1135680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15519</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>15519</Sole>
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      <None>0</None>
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    <nameOfIssuer>ELASTIC N V</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>N14506104</cusip>
    <value>644271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12888</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>12888</Sole>
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      <None>0</None>
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    <nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>285512109</cusip>
    <value>62588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>307</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>307</Sole>
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      <None>0</None>
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    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
    <value>1180065</value>
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      <sshPrnamt>1283</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1283</Sole>
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      <None>0</None>
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    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>194434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1484</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1484</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>291011104</cusip>
    <value>142943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1091</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1091</Sole>
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      <None>0</None>
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    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
    <value>344655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2384</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>2384</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EQT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26884L109</cusip>
    <value>52185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>820</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>EQUINIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29444U700</cusip>
    <value>296032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>302</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>EVEREST GROUP LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G3223R108</cusip>
    <value>564797</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1728</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>118320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>EVERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30034W106</cusip>
    <value>1747517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21332</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>21332</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30040W108</cusip>
    <value>4825075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>69646</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30040W108</cusip>
    <value>1685652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>24331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXLSERVICE HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>302081104</cusip>
    <value>70888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>2328</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXPAND ENERGY CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>165167735</cusip>
    <value>472493</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>4304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXPEDIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>30212P303</cusip>
    <value>205261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>889</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>2790228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>16446</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>477932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>2817</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>362235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1017</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FERGUSON ENTERPRISES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK NEW</titleOfClass>
    <cusip>31488V107</cusip>
    <value>150919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>647</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST HORIZON CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>320517105</cusip>
    <value>599840</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>26355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>88372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>448</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>339750101</cusip>
    <value>78435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1544</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FLUTTER ENTMT PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G3643J108</cusip>
    <value>65044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>638</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FMC CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>302491303</cusip>
    <value>72341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>4201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FULL TRUCK ALLIANCE CO LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>35969L108</cusip>
    <value>4980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FUTU HLDGS LTD</nameOfIssuer>
    <titleOfClass>SPON ADS CL A</titleOfClass>
    <cusip>36118L106</cusip>
    <value>410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>3</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARTNER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>366651107</cusip>
    <value>154382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>975</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36828A101</cusip>
    <value>1373072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1573</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GE VERNOVA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36828A101</cusip>
    <value>147520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>648686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1890</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>203873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>594</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>2438719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>8594</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>624608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>8384</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENPACT LIMITED</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G3922B107</cusip>
    <value>378274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>10155</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>222016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1593</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1593</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBE LIFE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC</nameOfIssuer>
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    <nameOfIssuer>HOWMET AEROSPACE INC</nameOfIssuer>
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    <nameOfIssuer>HUMANA INC</nameOfIssuer>
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    <nameOfIssuer>HYATT HOTELS CORP</nameOfIssuer>
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    <nameOfIssuer>ICON PLC</nameOfIssuer>
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    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
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      <sshPrnamt>923</sshPrnamt>
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    <nameOfIssuer>INTUIT</nameOfIssuer>
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    <nameOfIssuer>INTUIT</nameOfIssuer>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>LANDSTAR SYS INC</nameOfIssuer>
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    <nameOfIssuer>LAS VEGAS SANDS CORP</nameOfIssuer>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>992408</value>
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      <sshPrnamt>1642</sshPrnamt>
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    <nameOfIssuer>LULULEMON ATHLETICA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>550021109</cusip>
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    <nameOfIssuer>LUMENTUM HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>55024U109</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <sshPrnamt>767</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>767</Sole>
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    <nameOfIssuer>NETFLIX INC.</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>NEWS CORP NEW</nameOfIssuer>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>NIKE INC</nameOfIssuer>
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      <sshPrnamt>422</sshPrnamt>
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    <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
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    <nameOfIssuer>NUTANIX INC</nameOfIssuer>
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      <None>0</None>
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      <sshPrnamt>63028</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
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      <sshPrnamt>1417</sshPrnamt>
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    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
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    <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
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    <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
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    <nameOfIssuer>OKTA INC</nameOfIssuer>
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    <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>1703</sshPrnamt>
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    <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
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    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
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    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
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      <sshPrnamt>5154</sshPrnamt>
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    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
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      <Sole>1278</Sole>
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    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>35507</Sole>
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    <nameOfIssuer>PFIZER INC</nameOfIssuer>
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      <Sole>8553</Sole>
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    <nameOfIssuer>PG&amp;E CORP</nameOfIssuer>
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    <value>2398692</value>
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      <sshPrnamt>136522</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>136522</Sole>
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      <sshPrnamt>5840</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5840</Sole>
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    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
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      <sshPrnamt>11905</sshPrnamt>
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    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1265</Sole>
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    <nameOfIssuer>PHILLIPS 66</nameOfIssuer>
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      <sshPrnamt>2860</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>2860</Sole>
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    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>1199847</value>
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      <sshPrnamt>5766</sshPrnamt>
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    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>1229</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1229</Sole>
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    <nameOfIssuer>PPG INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693506107</cusip>
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      <sshPrnamt>1220</sshPrnamt>
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      <Sole>1220</Sole>
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    <nameOfIssuer>PPL CORP</nameOfIssuer>
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      <sshPrnamt>3011</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3011</Sole>
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    <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>633972</value>
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      <sshPrnamt>3198</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3198</Sole>
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  <infoTable>
    <nameOfIssuer>PROGRESSIVE CORP</nameOfIssuer>
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      <sshPrnamt>847</sshPrnamt>
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      <Sole>847</Sole>
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  <infoTable>
    <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74340W103</cusip>
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      <sshPrnamt>1743</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1743</Sole>
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      <None>0</None>
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    <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744320102</cusip>
    <value>352075</value>
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      <sshPrnamt>3604</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>3604</Sole>
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      <None>0</None>
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    <nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>745867101</cusip>
    <value>108789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>925</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>925</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>58209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>452</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>452</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>754730109</cusip>
    <value>229927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1588</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1588</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>1230816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1593</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1593</Sole>
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      <None>0</None>
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    <nameOfIssuer>RELIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>759509102</cusip>
    <value>272920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>898</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>898</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROBLOX CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>771049103</cusip>
    <value>302313</value>
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      <sshPrnamt>5345</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>5345</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>776696106</cusip>
    <value>191792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>542</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>542</Sole>
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      <None>0</None>
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    <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>302660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1569</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1569</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>240317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>565</Sole>
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      <None>0</None>
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    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>176216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>944</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>944</Sole>
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      <None>0</None>
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    <nameOfIssuer>SANDISK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>80004C200</cusip>
    <value>245241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>386</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>386</Sole>
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      <None>0</None>
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    <nameOfIssuer>SAREPTA THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>803607100</cusip>
    <value>156084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7173</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>7173</Sole>
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      <None>0</None>
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    <nameOfIssuer>SLB LIMITED</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>340048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6617</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>6617</Sole>
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      <None>0</None>
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    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>1089093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2780</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>2780</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>145343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>371</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>816300107</cusip>
    <value>246601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3271</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>3271</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SEMPRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>816851109</cusip>
    <value>1772672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18243</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>18243</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SEMPRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>816851109</cusip>
    <value>294911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3035</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>3035</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>134870</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1290</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1290</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>91357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>285</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>285</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83088M102</cusip>
    <value>76041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1420</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1420</Sole>
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      <None>0</None>
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    <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>833445109</cusip>
    <value>563765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3738</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>3738</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SNOWFLAKE INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>833445109</cusip>
    <value>114171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>757</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>844741108</cusip>
    <value>54138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1441</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1441</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>L8681T102</cusip>
    <value>266216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>549</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>138685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1548</Sole>
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      <None>0</None>
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    <nameOfIssuer>STERIS PLC</nameOfIssuer>
    <titleOfClass>SHS USD</titleOfClass>
    <cusip>G8473T100</cusip>
    <value>213169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>964</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>964</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STERIS PLC</nameOfIssuer>
    <titleOfClass>SHS USD</titleOfClass>
    <cusip>G8473T100</cusip>
    <value>116536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>527</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>527</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>STIFEL FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>860630102</cusip>
    <value>122633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1659</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1659</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>2480526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>7549</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MANUFAC</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>7443349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22025</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>22025</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR MANUFAC</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>874039100</cusip>
    <value>480227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>1421</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G87110105</cusip>
    <value>589541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8528</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
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      <Sole>8528</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TECHNIPFMC PLC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G87110105</cusip>
    <value>37952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>549</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TENCENT MUSIC ENTMT GROUP</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>88034P109</cusip>
    <value>2567553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>276676</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>276676</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TERADYNE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>880770102</cusip>
    <value>566239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>1910</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>88160R101</cusip>
    <value>2105964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5665</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>4</otherManager>
    <votingAuthority>
      <Sole>5665</Sole>
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    <nameOfIssuer>ESSEX PPTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>297178105</cusip>
    <value>2690798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11119</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>11119</Sole>
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      <None>0</None>
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    <nameOfIssuer>ESSEX PPTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>297178105</cusip>
    <value>201586</value>
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    <otherManager>3</otherManager>
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      <Sole>833</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>1807367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36870</sshPrnamt>
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    <otherManager>3</otherManager>
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      <Sole>36870</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>EXPEDIA GROUP INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>30212P303</cusip>
    <value>6348321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>27495</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXPEDIA GROUP INC</nameOfIssuer>
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    <cusip>30212P303</cusip>
    <value>174784</value>
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      <sshPrnamt>757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>757</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30225T102</cusip>
    <value>6151833</value>
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      <sshPrnamt>46914</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>46914</Sole>
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      <None>0</None>
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    <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30225T102</cusip>
    <value>202202</value>
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      <sshPrnamt>1542</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>1542</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>303250104</cusip>
    <value>102484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>96</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FASTENAL CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>311900104</cusip>
    <value>373752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>8055</Sole>
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      <None>0</None>
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    <nameOfIssuer>FEDEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>237216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>666</Sole>
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      <None>0</None>
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    <nameOfIssuer>FERGUSON ENTERPRISES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK NEW</titleOfClass>
    <cusip>31488V107</cusip>
    <value>307203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1317</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>1317</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31620M106</cusip>
    <value>188907</value>
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      <sshPrnamt>4027</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>4027</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>4253041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91542</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>91542</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>60584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1304</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>1304</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>1470558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29028</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>29028</Sole>
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      <None>0</None>
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    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>152557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2734</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2734</Sole>
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      <None>0</None>
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    <nameOfIssuer>FORD MTR CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>42156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3653</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>3653</Sole>
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      <None>0</None>
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    <nameOfIssuer>FORTINET INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959E109</cusip>
    <value>244261</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2989</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>2989</Sole>
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      <None>0</None>
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    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>5300468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95884</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>95884</Sole>
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      <None>0</None>
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    <nameOfIssuer>FOX CORP</nameOfIssuer>
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    <cusip>35137L105</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>FOX CORP</nameOfIssuer>
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    <cusip>35137L105</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>998</Sole>
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      <None>0</None>
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    <nameOfIssuer>FOX CORP</nameOfIssuer>
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    <cusip>35137L204</cusip>
    <value>33453</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>630</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GAMING &amp; LEISURE P</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36467J108</cusip>
    <value>2126033</value>
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      <sshPrnamt>47916</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>47916</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARTNER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>366651107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>505</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GE HEALTHCARE TECHNOLOGIES I</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>36266G107</cusip>
    <value>207917</value>
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      <sshPrnamt>2921</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>2921</Sole>
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      <None>0</None>
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    <nameOfIssuer>GEN DIGITAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>668771108</cusip>
    <value>53948</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>2865</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>1836843</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6473</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>6473</Sole>
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      <None>0</None>
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    <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
    <value>2530774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67995</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>67995</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
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      <sshPrnamt>4291</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>4291</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>1801634</value>
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      <sshPrnamt>24183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>24183</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
    <value>80013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1074</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>1074</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>91262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>863</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>9448450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>67794</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>375558103</cusip>
    <value>1483733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10646</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>10646</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37940X102</cusip>
    <value>65281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>970</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>13192368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>15594</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>1752045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>2071</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HARTFORD INSURANCE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>416515104</cusip>
    <value>189457</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
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    <nameOfIssuer>PARKER-HANNIFIN CORP</nameOfIssuer>
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    <cusip>701094104</cusip>
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    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
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      <Sole>1289</Sole>
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      <None>0</None>
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    <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
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    <cusip>70450Y103</cusip>
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      <sshPrnamt>6543</sshPrnamt>
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      <Sole>6543</Sole>
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      <None>0</None>
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    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
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      <sshPrnamt>9039</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>9039</Sole>
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      <None>0</None>
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    <nameOfIssuer>PFIZER INC</nameOfIssuer>
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    <cusip>717081103</cusip>
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      <sshPrnamt>166287</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>166287</Sole>
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      <None>0</None>
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    <nameOfIssuer>PFIZER INC</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>43138</Sole>
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      <None>0</None>
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    <nameOfIssuer>PINTEREST INC</nameOfIssuer>
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      <Sole>3240</Sole>
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    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
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      <sshPrnamt>2063</sshPrnamt>
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    <nameOfIssuer>PPG INDS INC</nameOfIssuer>
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      <sshPrnamt>888</sshPrnamt>
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      <Sole>888</Sole>
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    <nameOfIssuer>PRINCIPAL FINANCIAL GROUP IN</nameOfIssuer>
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      <sshPrnamt>511</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>4425</sshPrnamt>
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      <Sole>4425</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>58641</sshPrnamt>
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    <otherManager>3</otherManager>
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      <Sole>58641</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>877146</value>
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      <sshPrnamt>6636</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>0</None>
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    <nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer>
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      <sshPrnamt>1786</sshPrnamt>
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      <Sole>1786</Sole>
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    <nameOfIssuer>PUBLIC SVC ENTERPRISE GROUP</nameOfIssuer>
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      <Sole>1588</Sole>
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      <Sole>60680</Sole>
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      <None>0</None>
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    <nameOfIssuer>QNITY ELECTRONICS INC</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1874</Sole>
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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
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      <sshPrnamt>38455</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>38455</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
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    <value>1310852</value>
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      <sshPrnamt>10179</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>10179</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74762E102</cusip>
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      <sshPrnamt>4462</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>4462</Sole>
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      <None>0</None>
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    <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74834L100</cusip>
    <value>57618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>294</Sole>
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      <None>0</None>
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    <nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>754730109</cusip>
    <value>122637</value>
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      <sshPrnamt>847</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>847</Sole>
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      <None>0</None>
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    <nameOfIssuer>REALTY INCOME CORP</nameOfIssuer>
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    <cusip>756109104</cusip>
    <value>469985</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>7682</Sole>
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      <None>0</None>
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    <nameOfIssuer>REGENCY CTRS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>758849103</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>60867</Sole>
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      <None>0</None>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
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    <cusip>75886F107</cusip>
    <value>5726035</value>
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      <sshPrnamt>7411</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>7411</Sole>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
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      <sshPrnamt>600</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>600</Sole>
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      <None>0</None>
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    <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>7591EP100</cusip>
    <value>49393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1891</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>1891</Sole>
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      <None>0</None>
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    <nameOfIssuer>REPLIGEN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>759916109</cusip>
    <value>1344326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11410</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>11410</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>760759100</cusip>
    <value>286697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1309</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>1309</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RESMED INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>761152107</cusip>
    <value>4787036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21325</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>21325</Sole>
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      <None>0</None>
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</informationTable>
