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INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>70450Y103</cusip><value>1145394</value><shrsOrPrnAmt><sshPrnamt>17098</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>17098</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PEPSICO INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>713448108</cusip><value>28988831</value><shrsOrPrnAmt><sshPrnamt>165641</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>163258</Sole><Shared>0</Shared><None>2383</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PFIZER INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>717081103</cusip><value>7789175</value><shrsOrPrnAmt><sshPrnamt>280691</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>279272</Sole><Shared>0</Shared><None>1419</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>718172109</cusip><value>43483401</value><shrsOrPrnAmt><sshPrnamt>474606</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>472206</Sole><Shared>0</Shared><None>2400</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PHILLIPS 66</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>718546104</cusip><value>18329687</value><shrsOrPrnAmt><sshPrnamt>112218</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>112218</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PLEXUS CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>729132100</cusip><value>764154</value><shrsOrPrnAmt><sshPrnamt>8059</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>7731</Sole><Shared>0</Shared><None>328</None></votingAuthority></infoTable><infoTable><nameOfIssuer>POOL CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>73278L105</cusip><value>237258</value><shrsOrPrnAmt><sshPrnamt>588</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>71</Sole><Shared>0</Shared><None>517</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PRICE T ROWE GROUP INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>74144T108</cusip><value>4239646</value><shrsOrPrnAmt><sshPrnamt>34774</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>34774</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PROCTER AND GAMBLE CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>742718109</cusip><value>40683231</value><shrsOrPrnAmt><sshPrnamt>250744</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>248414</Sole><Shared>0</Shared><None>2330</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PRUDENTIAL FINL INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>744320102</cusip><value>6931530</value><shrsOrPrnAmt><sshPrnamt>59042</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>57842</Sole><Shared>0</Shared><None>1200</None></votingAuthority></infoTable><infoTable><nameOfIssuer>PSB HLDGS INC WIS</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>69360N108</cusip><value>317857</value><shrsOrPrnAmt><sshPrnamt>14958</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>14958</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>QUALCOMM INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>747525103</cusip><value>372798</value><shrsOrPrnAmt><sshPrnamt>2202</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>2077</Sole><Shared>0</Shared><None>125</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RBC BEARINGS INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>75524B104</cusip><value>273594</value><shrsOrPrnAmt><sshPrnamt>1012</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>0</Sole><Shared>0</Shared><None>1012</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REALTY INCOME CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>756109104</cusip><value>539647</value><shrsOrPrnAmt><sshPrnamt>9975</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>9975</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>REGAL REXNORD CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>758750103</cusip><value>1288615</value><shrsOrPrnAmt><sshPrnamt>7155</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>2655</Sole><Shared>0</Shared><None>4500</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROCHE HLDG LTD</nameOfIssuer><titleOfClass>SPONSORED ADR</titleOfClass><cusip>771195104</cusip><value>1458418</value><shrsOrPrnAmt><sshPrnamt>45750</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>44150</Sole><Shared>0</Shared><None>1600</None></votingAuthority></infoTable><infoTable><nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>773903109</cusip><value>398829</value><shrsOrPrnAmt><sshPrnamt>1369</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>939</Sole><Shared>0</Shared><None>430</None></votingAuthority></infoTable><infoTable><nameOfIssuer>RTX CORPORATION</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>75513E101</cusip><value>31912693</value><shrsOrPrnAmt><sshPrnamt>327209</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>326803</Sole><Shared>0</Shared><None>406</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SALESFORCE INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>79466L302</cusip><value>206909</value><shrsOrPrnAmt><sshPrnamt>687</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>676</Sole><Shared>0</Shared><None>11</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer><titleOfClass>CL A</titleOfClass><cusip>78410G104</cusip><value>243787</value><shrsOrPrnAmt><sshPrnamt>1125</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>661</Sole><Shared>0</Shared><None>464</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer><titleOfClass>COM STK</titleOfClass><cusip>806857108</cusip><value>2442114</value><shrsOrPrnAmt><sshPrnamt>44556</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>44556</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHNEIDER NATIONAL INC</nameOfIssuer><titleOfClass>CL B</titleOfClass><cusip>80689H102</cusip><value>3543771</value><shrsOrPrnAmt><sshPrnamt>156527</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>70084</Sole><Shared>0</Shared><None>86443</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>808513105</cusip><value>31244079</value><shrsOrPrnAmt><sshPrnamt>431906</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>431906</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>1000 INDEX ETF</titleOfClass><cusip>808524722</cusip><value>401255</value><shrsOrPrnAmt><sshPrnamt>7919</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>7919</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>SHT TM US TRES</titleOfClass><cusip>808524862</cusip><value>5780379</value><shrsOrPrnAmt><sshPrnamt>119900</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>119900</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US LCAP GR ETF</titleOfClass><cusip>808524300</cusip><value>641715</value><shrsOrPrnAmt><sshPrnamt>6921</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>6921</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US LCAP VA ETF</titleOfClass><cusip>808524409</cusip><value>340542</value><shrsOrPrnAmt><sshPrnamt>4482</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>4482</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US LRG CAP ETF</titleOfClass><cusip>808524201</cusip><value>361809</value><shrsOrPrnAmt><sshPrnamt>5830</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>5830</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer><titleOfClass>US TIPS ETF</titleOfClass><cusip>808524870</cusip><value>741767</value><shrsOrPrnAmt><sshPrnamt>14221</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>14221</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>COMMUNICATION</titleOfClass><cusip>81369Y852</cusip><value>1658595</value><shrsOrPrnAmt><sshPrnamt>20311</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>20311</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>ENERGY</titleOfClass><cusip>81369Y506</cusip><value>5329916</value><shrsOrPrnAmt><sshPrnamt>56455</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>56455</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>FINANCIAL</titleOfClass><cusip>81369Y605</cusip><value>2924349</value><shrsOrPrnAmt><sshPrnamt>69429</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>69429</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>INDL</titleOfClass><cusip>81369Y704</cusip><value>2552201</value><shrsOrPrnAmt><sshPrnamt>20262</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>20262</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>RL EST SEL SEC</titleOfClass><cusip>81369Y860</cusip><value>979592</value><shrsOrPrnAmt><sshPrnamt>24781</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>24561</Sole><Shared>0</Shared><None>220</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS DISCR</titleOfClass><cusip>81369Y407</cusip><value>4225792</value><shrsOrPrnAmt><sshPrnamt>22980</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>22980</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI CONS STPLS</titleOfClass><cusip>81369Y308</cusip><value>4242866</value><shrsOrPrnAmt><sshPrnamt>55564</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>53604</Sole><Shared>0</Shared><None>1960</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI HEALTHCARE</titleOfClass><cusip>81369Y209</cusip><value>3911299</value><shrsOrPrnAmt><sshPrnamt>26476</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>26476</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI INT-UTILS</titleOfClass><cusip>81369Y886</cusip><value>2417888</value><shrsOrPrnAmt><sshPrnamt>36830</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>36678</Sole><Shared>0</Shared><None>152</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>SBI MATERIALS</titleOfClass><cusip>81369Y100</cusip><value>1245190</value><shrsOrPrnAmt><sshPrnamt>13405</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>13405</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer><titleOfClass>TECHNOLOGY</titleOfClass><cusip>81369Y803</cusip><value>21476801</value><shrsOrPrnAmt><sshPrnamt>103120</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>103120</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SEMPRA</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>816851109</cusip><value>344784</value><shrsOrPrnAmt><sshPrnamt>4800</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>4800</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SERVICENOW INC</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>81762P102</cusip><value>60436210</value><shrsOrPrnAmt><sshPrnamt>79271</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>79061</Sole><Shared>0</Shared><None>210</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SOUTHERN CO</nameOfIssuer><titleOfClass>COM</titleOfClass><cusip>842587107</cusip><value>7824107</value><shrsOrPrnAmt><sshPrnamt>109062</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>109062</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR GOLD TR</nameOfIssuer><titleOfClass>GOLD SHS</titleOfClass><cusip>78463V107</cusip><value>4571098</value><shrsOrPrnAmt><sshPrnamt>22220</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>22220</Sole><Shared>0</Shared><None>0</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer><titleOfClass>TR UNIT</titleOfClass><cusip>78462F103</cusip><value>33894412</value><shrsOrPrnAmt><sshPrnamt>64799</sshPrnamt><sshPrnamtType>SH</sshPrnamtType></shrsOrPrnAmt><investmentDiscretion>DFND</investmentDiscretion><otherManager>1</otherManager><votingAuthority><Sole>64753</Sole><Shared>0</Shared><None>46</None></votingAuthority></infoTable><infoTable><nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer><titleOfClass>UTSER1 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