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        <nameOfIssuer>APPLIED MATERIALS</nameOfIssuer>
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        <nameOfIssuer>AbbVie Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>00287Y109</cusip>
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        <nameOfIssuer>Abbott Laboratories</nameOfIssuer>
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        <titleOfClass>COM</titleOfClass>
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        <nameOfIssuer>Arthur J Gallagher &amp; Co</nameOfIssuer>
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        <cusip>110122108</cusip>
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        <titleOfClass>0-5 YR TIPS ETF</titleOfClass>
        <cusip>46429B747</cusip>
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        <nameOfIssuer>BlackRock Fund Advisors</nameOfIssuer>
        <titleOfClass>FALN ANGLS USD</titleOfClass>
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        <nameOfIssuer>Booking Holdings Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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        <nameOfIssuer>Booking Holdings Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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        <nameOfIssuer>Broadcom Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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            <sshPrnamt>35</sshPrnamt>
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            <None>0</None>
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        <nameOfIssuer>Broadcom Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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            <Sole>3049</Sole>
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            <None>0</None>
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        <nameOfIssuer>CDN NATL RAILWAYS</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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            <None>0</None>
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        <nameOfIssuer>CHARLES SCHWAB INVESTMENT MANAGEMENT INC</nameOfIssuer>
        <titleOfClass>US DIVIDEND EQ</titleOfClass>
        <cusip>808524797</cusip>
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            <sshPrnamt>48851</sshPrnamt>
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            <Sole>48851</Sole>
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        <nameOfIssuer>CHARLES SCHWAB INVESTMENT MANAGEMENT INC</nameOfIssuer>
        <titleOfClass>US TIPS ETF</titleOfClass>
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        <nameOfIssuer>CINTAS CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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        <nameOfIssuer>CINTAS CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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            <Sole>5871</Sole>
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        <nameOfIssuer>CISCO SYSTEMS</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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            <Sole>940</Sole>
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        <nameOfIssuer>CISCO SYSTEMS</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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            <None>0</None>
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        <nameOfIssuer>COLGATE-PALMOLIVE</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>194162103</cusip>
        <value>797100</value>
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        <votingAuthority>
            <Sole>10000</Sole>
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            <None>0</None>
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        <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>20825C104</cusip>
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            <Sole>15022</Sole>
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            <None>0</None>
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        <nameOfIssuer>CSX CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>126408103</cusip>
        <value>62406</value>
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            <sshPrnamt>1800</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1800</Sole>
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            <None>0</None>
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        <nameOfIssuer>CSX CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>126408103</cusip>
        <value>374783</value>
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            <sshPrnamt>10810</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10810</Sole>
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            <None>0</None>
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        <nameOfIssuer>CVS Health Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>126650100</cusip>
        <value>278808</value>
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            <sshPrnamt>3531</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3531</Sole>
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            <None>0</None>
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        <nameOfIssuer>Capital One Financial Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>14040H105</cusip>
        <value>1442</value>
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            <sshPrnamt>11</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11</Sole>
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            <None>0</None>
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        <nameOfIssuer>Capital One Financial Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>14040H105</cusip>
        <value>555818</value>
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            <sshPrnamt>4239</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4239</Sole>
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            <None>0</None>
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        <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>14149Y108</cusip>
        <value>30240</value>
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            <sshPrnamt>300</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>300</Sole>
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            <None>0</None>
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        <nameOfIssuer>Cardinal Health Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>14149Y108</cusip>
        <value>2220826</value>
        <shrsOrPrnAmt>
            <sshPrnamt>22032</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>22032</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Caterpillar Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>149123101</cusip>
        <value>1096936</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3710</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3710</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Cencora Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>03073E105</cusip>
        <value>239678</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1167</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1167</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Centene Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>15135B101</cusip>
        <value>9944</value>
        <shrsOrPrnAmt>
            <sshPrnamt>134</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>134</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Centene Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>15135B101</cusip>
        <value>1159160</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15620</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15620</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Charles Schwab Corp/The</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>808513105</cusip>
        <value>937950</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13633</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>13633</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Chevron Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>166764100</cusip>
        <value>97252</value>
        <shrsOrPrnAmt>
            <sshPrnamt>652</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>652</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Chevron Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>166764100</cusip>
        <value>5988476</value>
        <shrsOrPrnAmt>
            <sshPrnamt>40148</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>40148</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Citigroup Inc</nameOfIssuer>
        <titleOfClass>COM NEW</titleOfClass>
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            <Sole>300</Sole>
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            <None>0</None>
        </votingAuthority>
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        <value>7574231</value>
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            <sshPrnamt>147244</sshPrnamt>
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        <votingAuthority>
            <Sole>147244</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Citizens Financial Group Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>174610105</cusip>
        <value>2983</value>
        <shrsOrPrnAmt>
            <sshPrnamt>90</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>90</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Citizens Financial Group Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>174610105</cusip>
        <value>1147075</value>
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            <sshPrnamt>34613</sshPrnamt>
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        <votingAuthority>
            <Sole>34613</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Clorox Co/The</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>189054109</cusip>
        <value>4278</value>
        <shrsOrPrnAmt>
            <sshPrnamt>30</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>30</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Clorox Co/The</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>189054109</cusip>
        <value>199056</value>
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            <sshPrnamt>1396</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1396</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
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        <nameOfIssuer>Coca-Cola Co/The</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>191216100</cusip>
        <value>14733</value>
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            <sshPrnamt>250</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>250</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Coca-Cola Co/The</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>191216100</cusip>
        <value>6349059</value>
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            <sshPrnamt>107739</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>107739</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Comcast Corp</nameOfIssuer>
        <titleOfClass>CL A</titleOfClass>
        <cusip>20030N101</cusip>
        <value>1504230</value>
        <shrsOrPrnAmt>
            <sshPrnamt>34304</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>34304</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Computer Programs and Systems</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>205306103</cusip>
        <value>524160</value>
        <shrsOrPrnAmt>
            <sshPrnamt>46800</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>46800</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>209115104</cusip>
        <value>359241</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3949</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3949</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>22160K105</cusip>
        <value>36304</value>
        <shrsOrPrnAmt>
            <sshPrnamt>55</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>55</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>22160K105</cusip>
        <value>2241632</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3396</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3396</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
        <titleOfClass>COM NEW</titleOfClass>
        <cusip>26441C204</cusip>
        <value>4852</value>
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            <sshPrnamt>50</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>50</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
        <titleOfClass>COM NEW</titleOfClass>
        <cusip>26441C204</cusip>
        <value>2609406</value>
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            <sshPrnamt>26890</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>26890</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Danaher Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>235851102</cusip>
        <value>92536</value>
        <shrsOrPrnAmt>
            <sshPrnamt>400</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>400</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Danaher Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>235851102</cusip>
        <value>226251</value>
        <shrsOrPrnAmt>
            <sshPrnamt>978</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>978</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Darden Restaurants Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>237194105</cusip>
        <value>1532098</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9325</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>9325</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Dimensional ETF Trust</nameOfIssuer>
        <titleOfClass>US TARGETED VLU</titleOfClass>
        <cusip>25434V609</cusip>
        <value>841466</value>
        <shrsOrPrnAmt>
            <sshPrnamt>16080</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>16080</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Dimensional ETF Trust</nameOfIssuer>
        <titleOfClass>US CORE EQUITY 2</titleOfClass>
        <cusip>25434V708</cusip>
        <value>1143273</value>
        <shrsOrPrnAmt>
            <sshPrnamt>39113</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>39113</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Dimensional ETF Trust</nameOfIssuer>
        <titleOfClass>US MKTWIDE VALUE</titleOfClass>
        <cusip>25434V724</cusip>
        <value>286631</value>
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            <sshPrnamt>7701</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7701</Sole>
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        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Dow Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>260557103</cusip>
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            <sshPrnamt>19415</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>19415</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>EastGroup Properties Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>277276101</cusip>
        <value>99112</value>
        <shrsOrPrnAmt>
            <sshPrnamt>540</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>540</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>EastGroup Properties Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>277276101</cusip>
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        <shrsOrPrnAmt>
            <sshPrnamt>37310</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>37310</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Eaton Corp PLC</nameOfIssuer>
        <titleOfClass>SHS</titleOfClass>
        <cusip>G29183103</cusip>
        <value>87899</value>
        <shrsOrPrnAmt>
            <sshPrnamt>365</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>365</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Eaton Corp PLC</nameOfIssuer>
        <titleOfClass>SHS</titleOfClass>
        <cusip>G29183103</cusip>
        <value>4776183</value>
        <shrsOrPrnAmt>
            <sshPrnamt>19833</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>19833</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Edwards Lifesciences Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>28176E108</cusip>
        <value>1354200</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17760</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>17760</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Eli Lilly &amp; Co</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>532457108</cusip>
        <value>99096</value>
        <shrsOrPrnAmt>
            <sshPrnamt>170</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>170</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Eli Lilly &amp; Co</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>532457108</cusip>
        <value>1556979</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2671</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2671</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Entergy Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>29364G103</cusip>
        <value>310147</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3065</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3065</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Enterprise Products Partners L</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>293792107</cusip>
        <value>276675</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10500</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>30231G102</cusip>
        <value>26295</value>
        <shrsOrPrnAmt>
            <sshPrnamt>263</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>263</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>30231G102</cusip>
        <value>6356528</value>
        <shrsOrPrnAmt>
            <sshPrnamt>63578</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>63578</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FACEBOOK INC</nameOfIssuer>
        <titleOfClass>CL A</titleOfClass>
        <cusip>30303M102</cusip>
        <value>79287</value>
        <shrsOrPrnAmt>
            <sshPrnamt>224</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>224</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FACEBOOK INC</nameOfIssuer>
        <titleOfClass>CL A</titleOfClass>
        <cusip>30303M102</cusip>
        <value>8748475</value>
        <shrsOrPrnAmt>
            <sshPrnamt>24716</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>24716</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>345370860</cusip>
        <value>37240</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3055</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3055</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>FORD MOTOR CO</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>345370860</cusip>
        <value>667927</value>
        <shrsOrPrnAmt>
            <sshPrnamt>54793</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>54793</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Fidelity Management &amp; Research Co LLC</nameOfIssuer>
        <titleOfClass>TOTAL BD ETF</titleOfClass>
        <cusip>316188309</cusip>
        <value>429829</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9336</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>9336</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>First Trust Advisors LP</nameOfIssuer>
        <titleOfClass>SENIOR LN FD</titleOfClass>
        <cusip>33738D309</cusip>
        <value>3224900</value>
        <shrsOrPrnAmt>
            <sshPrnamt>70000</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>70000</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>First Trust Advisors LP</nameOfIssuer>
        <titleOfClass>DORSEY WRT 5 ETF</titleOfClass>
        <cusip>33738R605</cusip>
        <value>741186</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14378</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>14378</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>First Trust Advisors LP</nameOfIssuer>
        <titleOfClass>PFD SECS INC ETF</titleOfClass>
        <cusip>33739E108</cusip>
        <value>4409834</value>
        <shrsOrPrnAmt>
            <sshPrnamt>261556</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>261556</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>First Trust Advisors LP</nameOfIssuer>
        <titleOfClass>MANAGD MUN ETF</titleOfClass>
        <cusip>33739N108</cusip>
        <value>6200</value>
        <shrsOrPrnAmt>
            <sshPrnamt>120</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>120</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>First Trust Advisors LP</nameOfIssuer>
        <titleOfClass>MANAGD MUN ETF</titleOfClass>
        <cusip>33739N108</cusip>
        <value>1045276</value>
        <shrsOrPrnAmt>
            <sshPrnamt>20232</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>20232</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>First Trust ETFs/USA</nameOfIssuer>
        <titleOfClass>INSTL PFD SECS</titleOfClass>
        <cusip>33739P855</cusip>
        <value>469089</value>
        <shrsOrPrnAmt>
            <sshPrnamt>26309</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>26309</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>First Trust/ETFs</nameOfIssuer>
        <titleOfClass>FIRST TR ENH NEW</titleOfClass>
        <cusip>33739Q408</cusip>
        <value>26131</value>
        <shrsOrPrnAmt>
            <sshPrnamt>438</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>438</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>First Trust/ETFs</nameOfIssuer>
        <titleOfClass>FIRST TR ENH NEW</titleOfClass>
        <cusip>33739Q408</cusip>
        <value>9272954</value>
        <shrsOrPrnAmt>
            <sshPrnamt>155430</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>155430</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>370334104</cusip>
        <value>16285</value>
        <shrsOrPrnAmt>
            <sshPrnamt>250</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>250</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>370334104</cusip>
        <value>2051324</value>
        <shrsOrPrnAmt>
            <sshPrnamt>31491</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>31491</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GSK PLC</nameOfIssuer>
        <titleOfClass>SPONSORED ADR</titleOfClass>
        <cusip>37733W204</cusip>
        <value>4818</value>
        <shrsOrPrnAmt>
            <sshPrnamt>130</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>130</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>GSK PLC</nameOfIssuer>
        <titleOfClass>SPONSORED ADR</titleOfClass>
        <cusip>37733W204</cusip>
        <value>1913260</value>
        <shrsOrPrnAmt>
            <sshPrnamt>51626</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>51626</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>General Electric Co</nameOfIssuer>
        <titleOfClass>COM NEW</titleOfClass>
        <cusip>369604301</cusip>
        <value>234329</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1836</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1836</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>General Electric Co</nameOfIssuer>
        <titleOfClass>COM NEW</titleOfClass>
        <cusip>369604301</cusip>
        <value>161962</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1269</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1269</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Globe Life Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>37959E102</cusip>
        <value>746752</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6135</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6135</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HCA Healthcare Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>40412C101</cusip>
        <value>9474</value>
        <shrsOrPrnAmt>
            <sshPrnamt>35</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>35</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HCA Healthcare Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>40412C101</cusip>
        <value>1334182</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4929</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4929</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HONDA MOTOR CO</nameOfIssuer>
        <titleOfClass>AMERN SHS</titleOfClass>
        <cusip>438128308</cusip>
        <value>10757</value>
        <shrsOrPrnAmt>
            <sshPrnamt>348</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>348</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HONDA MOTOR CO</nameOfIssuer>
        <titleOfClass>AMERN SHS</titleOfClass>
        <cusip>438128308</cusip>
        <value>3547015</value>
        <shrsOrPrnAmt>
            <sshPrnamt>114753</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>114753</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HP Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>40434L105</cusip>
        <value>16550</value>
        <shrsOrPrnAmt>
            <sshPrnamt>550</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>550</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HP Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>40434L105</cusip>
        <value>260218</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8648</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8648</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Hartford Financial Services Gr</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>416515104</cusip>
        <value>22506</value>
        <shrsOrPrnAmt>
            <sshPrnamt>280</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>280</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Hartford Financial Services Gr</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>416515104</cusip>
        <value>1246453</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15507</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15507</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Home Depot Inc/The</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>437076102</cusip>
        <value>8698405</value>
        <shrsOrPrnAmt>
            <sshPrnamt>25100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>25100</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Howmet Aerospace Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>443201108</cusip>
        <value>645489</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11927</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11927</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTL BUSINESS MCHN</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>459200101</cusip>
        <value>325137</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1988</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1988</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>INTL BUSINESS MCHN</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>459200101</cusip>
        <value>13925465</value>
        <shrsOrPrnAmt>
            <sshPrnamt>85145</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>85145</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES</nameOfIssuer>
        <titleOfClass>SELECT DIVID ETF</titleOfClass>
        <cusip>464287168</cusip>
        <value>424336</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3620</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3620</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES</nameOfIssuer>
        <titleOfClass>SELECT DIVID ETF</titleOfClass>
        <cusip>464287168</cusip>
        <value>15684036</value>
        <shrsOrPrnAmt>
            <sshPrnamt>133800</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>133800</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES</nameOfIssuer>
        <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
        <cusip>464287200</cusip>
        <value>32479</value>
        <shrsOrPrnAmt>
            <sshPrnamt>68</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>68</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES</nameOfIssuer>
        <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
        <cusip>464287200</cusip>
        <value>12306137</value>
        <shrsOrPrnAmt>
            <sshPrnamt>25765</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>25765</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES</nameOfIssuer>
        <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
        <cusip>464287309</cusip>
        <value>5003838</value>
        <shrsOrPrnAmt>
            <sshPrnamt>66629</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>66629</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES</nameOfIssuer>
        <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
        <cusip>464287408</cusip>
        <value>12563553</value>
        <shrsOrPrnAmt>
            <sshPrnamt>72250</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>72250</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES</nameOfIssuer>
        <titleOfClass>COHEN STEER REIT</titleOfClass>
        <cusip>464287564</cusip>
        <value>1820630</value>
        <shrsOrPrnAmt>
            <sshPrnamt>31000</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>31000</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES</nameOfIssuer>
        <titleOfClass>U.S. TECH ETF</titleOfClass>
        <cusip>464287721</cusip>
        <value>1929507</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15719</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15719</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES</nameOfIssuer>
        <titleOfClass>SHORT TREAS BD</titleOfClass>
        <cusip>464288679</cusip>
        <value>865622</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7860</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7860</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES GOLD TRUST</nameOfIssuer>
        <titleOfClass>ISHARES NEW</titleOfClass>
        <cusip>464285204</cusip>
        <value>460554</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11800</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11800</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
        <cusip>464287234</cusip>
        <value>6045935</value>
        <shrsOrPrnAmt>
            <sshPrnamt>150359</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>150359</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>FLTG RATE NT ETF</titleOfClass>
        <cusip>46429B655</cusip>
        <value>520627</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10285</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10250</Sole>
            <Shared>0</Shared>
            <None>35</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>FLTG RATE NT ETF</titleOfClass>
        <cusip>46429B655</cusip>
        <value>34431673</value>
        <shrsOrPrnAmt>
            <sshPrnamt>680199</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>679616</Sole>
            <Shared>0</Shared>
            <None>583</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES TR</nameOfIssuer>
        <titleOfClass>MSCI EAFE MIN VL</titleOfClass>
        <cusip>46429B689</cusip>
        <value>7226823</value>
        <shrsOrPrnAmt>
            <sshPrnamt>104223</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>104223</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES/USA</nameOfIssuer>
        <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
        <cusip>464287614</cusip>
        <value>214644</value>
        <shrsOrPrnAmt>
            <sshPrnamt>708</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>708</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>ISHARES/USA</nameOfIssuer>
        <titleOfClass>NATIONAL MUN ETF</titleOfClass>
        <cusip>464288414</cusip>
        <value>305608</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2819</sshPrnamt>
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            <Sole>6481</Sole>
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        <titleOfClass>COM</titleOfClass>
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        <votingAuthority>
            <Sole>141</Sole>
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            <None>0</None>
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        <titleOfClass>CL B</titleOfClass>
        <cusip>60871R209</cusip>
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        <shrsOrPrnAmt>
            <sshPrnamt>44793</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>44793</Sole>
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            <None>0</None>
        </votingAuthority>
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        <titleOfClass>COM</titleOfClass>
        <cusip>562750109</cusip>
        <value>201540</value>
        <shrsOrPrnAmt>
            <sshPrnamt>936</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>936</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Marathon Petroleum Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>56585A102</cusip>
        <value>22254</value>
        <shrsOrPrnAmt>
            <sshPrnamt>150</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>150</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <titleOfClass>COM</titleOfClass>
        <cusip>56585A102</cusip>
        <value>1045641</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7048</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7048</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Markel Group Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>570535104</cusip>
        <value>354975</value>
        <shrsOrPrnAmt>
            <sshPrnamt>250</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>250</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Merck &amp; Co Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>10902</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>100</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Merck &amp; Co Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>2650603</value>
        <shrsOrPrnAmt>
            <sshPrnamt>24313</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>24313</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>MetLife Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>59156R108</cusip>
        <value>215650</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3261</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3261</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Microchip Technology Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>595017104</cusip>
        <value>1845804</value>
        <shrsOrPrnAmt>
            <sshPrnamt>20468</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>20468</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
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        <nameOfIssuer>Micron Technology Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>595112103</cusip>
        <value>49924</value>
        <shrsOrPrnAmt>
            <sshPrnamt>585</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>585</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Micron Technology Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>595112103</cusip>
        <value>1228469</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14395</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>14395</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>NEXTERA ENERGY</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>65339F101</cusip>
        <value>229719</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3782</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3782</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>NRG Energy Inc</nameOfIssuer>
        <titleOfClass>COM NEW</titleOfClass>
        <cusip>629377508</cusip>
        <value>286728</value>
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            <sshPrnamt>5546</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5546</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>NVIDIA Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>67066G104</cusip>
        <value>222849</value>
        <shrsOrPrnAmt>
            <sshPrnamt>450</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>450</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>NVIDIA Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>67066G104</cusip>
        <value>5899556</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11913</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11913</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Norfolk Southern Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>655844108</cusip>
        <value>202105</value>
        <shrsOrPrnAmt>
            <sshPrnamt>855</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>855</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Norfolk Southern Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>655844108</cusip>
        <value>89352</value>
        <shrsOrPrnAmt>
            <sshPrnamt>378</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>378</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Novartis AG</nameOfIssuer>
        <titleOfClass>SPONSORED ADR</titleOfClass>
        <cusip>66987V109</cusip>
        <value>21709</value>
        <shrsOrPrnAmt>
            <sshPrnamt>215</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>215</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Novartis AG</nameOfIssuer>
        <titleOfClass>SPONSORED ADR</titleOfClass>
        <cusip>66987V109</cusip>
        <value>6843646</value>
        <shrsOrPrnAmt>
            <sshPrnamt>67779</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>67779</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>ON Semiconductor Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>682189105</cusip>
        <value>35918</value>
        <shrsOrPrnAmt>
            <sshPrnamt>430</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>430</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>ON Semiconductor Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>682189105</cusip>
        <value>2503227</value>
        <shrsOrPrnAmt>
            <sshPrnamt>29968</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>29968</Sole>
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            <None>0</None>
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        <nameOfIssuer>ONEOK Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>682680103</cusip>
        <value>474406</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6756</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6756</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>ORACLE CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>68389X105</cusip>
        <value>8645</value>
        <shrsOrPrnAmt>
            <sshPrnamt>82</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>82</Sole>
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            <None>0</None>
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        <nameOfIssuer>ORACLE CORP</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>68389X105</cusip>
        <value>3322416</value>
        <shrsOrPrnAmt>
            <sshPrnamt>31513</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>31513</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Occidental Petroleum Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>674599105</cusip>
        <value>5792</value>
        <shrsOrPrnAmt>
            <sshPrnamt>97</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>97</Sole>
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            <None>0</None>
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        <nameOfIssuer>Occidental Petroleum Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>674599105</cusip>
        <value>1777149</value>
        <shrsOrPrnAmt>
            <sshPrnamt>29763</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>29763</Sole>
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            <None>0</None>
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        <nameOfIssuer>PACCAR INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>693718108</cusip>
        <value>1524219</value>
        <shrsOrPrnAmt>
            <sshPrnamt>15609</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>15609</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>PARKER-HANNIFIN</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>701094104</cusip>
        <value>41924</value>
        <shrsOrPrnAmt>
            <sshPrnamt>91</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>91</Sole>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>PARKER-HANNIFIN</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>701094104</cusip>
        <value>5456070</value>
        <shrsOrPrnAmt>
            <sshPrnamt>11843</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11843</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PEPSICO INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>713448108</cusip>
        <value>5968857</value>
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            <sshPrnamt>35144</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>35144</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>PHILIP MORRIS INTL</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>718172109</cusip>
        <value>515558</value>
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            <sshPrnamt>5480</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5480</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>PULTE HOMES INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>745867101</cusip>
        <value>23225</value>
        <shrsOrPrnAmt>
            <sshPrnamt>225</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>225</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>PULTE HOMES INC</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>745867101</cusip>
        <value>2480996</value>
        <shrsOrPrnAmt>
            <sshPrnamt>24036</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>24036</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Pacer ETFs/USA</nameOfIssuer>
        <titleOfClass>PACER US SMALL</titleOfClass>
        <cusip>69374H857</cusip>
        <value>405421</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8441</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>8441</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Pacer ETFs/USA</nameOfIssuer>
        <titleOfClass>DEVELOPED MRKT</titleOfClass>
        <cusip>69374H873</cusip>
        <value>1230825</value>
        <shrsOrPrnAmt>
            <sshPrnamt>39399</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>39399</Sole>
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            <None>0</None>
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        <nameOfIssuer>Pacer ETFs/USA</nameOfIssuer>
        <titleOfClass>US CASH COWS 100</titleOfClass>
        <cusip>69374H881</cusip>
        <value>1636333</value>
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            <sshPrnamt>31474</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>31474</Sole>
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            <None>0</None>
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        <nameOfIssuer>Pacific Investment Management Co LLC</nameOfIssuer>
        <titleOfClass>ENHAN SHRT MA AC</titleOfClass>
        <cusip>72201R833</cusip>
        <value>233010</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2335</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2335</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>PayPal Holdings Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>70450Y103</cusip>
        <value>561594</value>
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            <sshPrnamt>9145</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>9145</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Paychex Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>704326107</cusip>
        <value>695007</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5835</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5835</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Paycom Software Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>70432V102</cusip>
        <value>226979</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1098</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1098</Sole>
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            <None>0</None>
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        <titleOfClass>COM</titleOfClass>
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            <sshPrnamt>160</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>160</Sole>
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            <None>0</None>
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    <infoTable>
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        <titleOfClass>COM</titleOfClass>
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            <sshPrnamt>119826</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>119826</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Phillips 66</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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        <value>918666</value>
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            <sshPrnamt>6900</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6900</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Pool Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>73278L105</cusip>
        <value>547030</value>
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            <sshPrnamt>1372</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1372</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Procter &amp; Gamble Co/The</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>742718109</cusip>
        <value>29308</value>
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            <sshPrnamt>200</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>200</Sole>
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            <None>0</None>
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        <titleOfClass>COM</titleOfClass>
        <cusip>742718109</cusip>
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            <sshPrnamt>34385</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>34385</Sole>
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            <None>0</None>
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        <nameOfIssuer>Public Service Enterprise Grou</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>744573106</cusip>
        <value>224971</value>
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            <sshPrnamt>3679</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3679</Sole>
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            <None>0</None>
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        <nameOfIssuer>QUALCOMM Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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        <value>580111</value>
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            <sshPrnamt>4011</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4011</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>RTX Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
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        <value>102651</value>
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            <sshPrnamt>1220</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1220</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>RTX Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>75513E101</cusip>
        <value>310477</value>
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            <sshPrnamt>3690</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3690</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Regions Financial Corp</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>7591EP100</cusip>
        <value>203102</value>
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            <sshPrnamt>10480</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10480</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>SMUCKER(JM)CO</nameOfIssuer>
        <titleOfClass>COM NEW</titleOfClass>
        <cusip>832696405</cusip>
        <value>413010</value>
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            <sshPrnamt>3268</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3268</Sole>
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            <None>0</None>
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        <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
        <titleOfClass>GOLD SHS</titleOfClass>
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            <sshPrnamt>5072</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5072</Sole>
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            <None>0</None>
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        <nameOfIssuer>SSGA FUNDS MANAGEMENT INC</nameOfIssuer>
        <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
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            <sshPrnamt>11518</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>11487</Sole>
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            <None>31</None>
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        <nameOfIssuer>SSGA FUNDS MANAGEMENT INC</nameOfIssuer>
        <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
        <cusip>78468R408</cusip>
        <value>15651963</value>
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            <sshPrnamt>622592</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>622116</Sole>
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            <None>476</None>
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        <titleOfClass>PORTFLI HIGH YLD</titleOfClass>
        <cusip>78468R606</cusip>
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            <sshPrnamt>210000</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>210000</Sole>
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            <None>0</None>
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        <nameOfIssuer>SSGA Funds Management Inc</nameOfIssuer>
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        <cusip>78464A763</cusip>
        <value>525374</value>
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            <sshPrnamt>4204</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4204</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>SSgA Funds Management Inc</nameOfIssuer>
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        <cusip>78468R739</cusip>
        <value>57205</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1197</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1197</Sole>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>SSgA Funds Management Inc</nameOfIssuer>
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        <cusip>78468R739</cusip>
        <value>14167919</value>
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            <sshPrnamt>296462</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>296462</Sole>
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            <None>0</None>
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        <nameOfIssuer>STATE STREET ETF/USA</nameOfIssuer>
        <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
        <cusip>78467Y107</cusip>
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        <shrsOrPrnAmt>
            <sshPrnamt>31865</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>31865</Sole>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>SYNCHRONY FINANCIAL</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>87165B103</cusip>
        <value>4965</value>
        <shrsOrPrnAmt>
            <sshPrnamt>130</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>130</Sole>
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            <None>0</None>
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    <infoTable>
        <nameOfIssuer>SYNCHRONY FINANCIAL</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>87165B103</cusip>
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            <sshPrnamt>44060</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>44060</Sole>
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            <None>0</None>
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        <nameOfIssuer>Schlumberger NV</nameOfIssuer>
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        <cusip>806857108</cusip>
        <value>23418</value>
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            <sshPrnamt>450</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>450</Sole>
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            <None>0</None>
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        <titleOfClass>COM STK</titleOfClass>
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            <sshPrnamt>16984</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>16984</Sole>
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            <None>0</None>
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        <nameOfIssuer>ServiceNow Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>81762P102</cusip>
        <value>671872</value>
        <shrsOrPrnAmt>
            <sshPrnamt>951</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>951</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Shell PLC</nameOfIssuer>
        <titleOfClass>SPON ADS</titleOfClass>
        <cusip>780259305</cusip>
        <value>23030</value>
        <shrsOrPrnAmt>
            <sshPrnamt>350</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>350</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Shell PLC</nameOfIssuer>
        <titleOfClass>SPON ADS</titleOfClass>
        <cusip>780259305</cusip>
        <value>2436837</value>
        <shrsOrPrnAmt>
            <sshPrnamt>37034</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>37034</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Skyworks Solutions Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>83088M102</cusip>
        <value>1062819</value>
        <shrsOrPrnAmt>
            <sshPrnamt>9454</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>9454</Sole>
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            <None>0</None>
        </votingAuthority>
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        <nameOfIssuer>Snap-on Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>833034101</cusip>
        <value>28017</value>
        <shrsOrPrnAmt>
            <sshPrnamt>97</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>97</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Snap-on Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>833034101</cusip>
        <value>6923206</value>
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            <sshPrnamt>23969</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>23969</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Southern Co/The</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>842587107</cusip>
        <value>245420</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3500</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Southern Co/The</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>842587107</cusip>
        <value>5152488</value>
        <shrsOrPrnAmt>
            <sshPrnamt>73481</sshPrnamt>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>73481</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>State Street ETF/USA</nameOfIssuer>
        <titleOfClass>TR UNIT</titleOfClass>
        <cusip>78462F103</cusip>
        <value>32321</value>
        <shrsOrPrnAmt>
            <sshPrnamt>68</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>68</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>State Street ETF/USA</nameOfIssuer>
        <titleOfClass>TR UNIT</titleOfClass>
        <cusip>78462F103</cusip>
        <value>25439067</value>
        <shrsOrPrnAmt>
            <sshPrnamt>53521</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>53521</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Steel Dynamics Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>858119100</cusip>
        <value>371779</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3148</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3148</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>TEXAS INSTRUMENTS</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>882508104</cusip>
        <value>225689</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1324</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1324</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>TSMC</nameOfIssuer>
        <titleOfClass>SPONSORED ADS</titleOfClass>
        <cusip>874039100</cusip>
        <value>33280</value>
        <shrsOrPrnAmt>
            <sshPrnamt>320</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>320</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>TSMC</nameOfIssuer>
        <titleOfClass>SPONSORED ADS</titleOfClass>
        <cusip>874039100</cusip>
        <value>1928888</value>
        <shrsOrPrnAmt>
            <sshPrnamt>18547</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>18547</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Tapestry Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>876030107</cusip>
        <value>3681</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>100</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Tapestry Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>876030107</cusip>
        <value>1213552</value>
        <shrsOrPrnAmt>
            <sshPrnamt>32968</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>32968</Sole>
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            <None>0</None>
        </votingAuthority>
    </infoTable>
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    <infoTable>
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        <nameOfIssuer>VERIZON COMMUN</nameOfIssuer>
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    <infoTable>
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        <cusip>92189F387</cusip>
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            <Sole>39571</Sole>
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        <titleOfClass>MCAP VL IDXVIP</titleOfClass>
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            <Sole>17509</Sole>
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    <infoTable>
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            <sshPrnamt>19119</sshPrnamt>
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        <votingAuthority>
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            <None>0</None>
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    <infoTable>
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        <shrsOrPrnAmt>
            <sshPrnamt>55176</sshPrnamt>
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            <Sole>55176</Sole>
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            <None>0</None>
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    <infoTable>
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        <shrsOrPrnAmt>
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        <votingAuthority>
            <Sole>8348</Sole>
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            <None>0</None>
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        <titleOfClass>MID CAP ETF</titleOfClass>
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        <value>460860</value>
        <shrsOrPrnAmt>
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        <votingAuthority>
            <Sole>1812</Sole>
            <Shared>0</Shared>
            <None>169</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
        <titleOfClass>MID CAP ETF</titleOfClass>
        <cusip>922908629</cusip>
        <value>65012644</value>
        <shrsOrPrnAmt>
            <sshPrnamt>279456</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>279105</Sole>
            <Shared>0</Shared>
            <None>351</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
        <titleOfClass>GROWTH ETF</titleOfClass>
        <cusip>922908736</cusip>
        <value>196787</value>
        <shrsOrPrnAmt>
            <sshPrnamt>633</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>508</Sole>
            <Shared>0</Shared>
            <None>125</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
        <titleOfClass>GROWTH ETF</titleOfClass>
        <cusip>922908736</cusip>
        <value>40797404</value>
        <shrsOrPrnAmt>
            <sshPrnamt>131232</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>130962</Sole>
            <Shared>0</Shared>
            <None>270</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
        <titleOfClass>VALUE ETF</titleOfClass>
        <cusip>922908744</cusip>
        <value>227689</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1523</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1271</Sole>
            <Shared>0</Shared>
            <None>252</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
        <titleOfClass>VALUE ETF</titleOfClass>
        <cusip>922908744</cusip>
        <value>39912314</value>
        <shrsOrPrnAmt>
            <sshPrnamt>266972</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>266432</Sole>
            <Shared>0</Shared>
            <None>540</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
        <titleOfClass>SMALL CP ETF</titleOfClass>
        <cusip>922908751</cusip>
        <value>383994</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1800</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1610</Sole>
            <Shared>0</Shared>
            <None>190</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard ETF/USA</nameOfIssuer>
        <titleOfClass>SMALL CP ETF</titleOfClass>
        <cusip>922908751</cusip>
        <value>66079821</value>
        <shrsOrPrnAmt>
            <sshPrnamt>309754</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>309366</Sole>
            <Shared>0</Shared>
            <None>388</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard Group Inc/The</nameOfIssuer>
        <titleOfClass>LARGE CAP ETF</titleOfClass>
        <cusip>922908637</cusip>
        <value>117801</value>
        <shrsOrPrnAmt>
            <sshPrnamt>540</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>540</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vanguard Group Inc/The</nameOfIssuer>
        <titleOfClass>LARGE CAP ETF</titleOfClass>
        <cusip>922908637</cusip>
        <value>9489525</value>
        <shrsOrPrnAmt>
            <sshPrnamt>43500</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>43500</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vertex Pharmaceuticals Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>92532F100</cusip>
        <value>22379</value>
        <shrsOrPrnAmt>
            <sshPrnamt>55</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>55</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vertex Pharmaceuticals Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>92532F100</cusip>
        <value>2019395</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4963</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4963</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Virtus Etf Trust II</nameOfIssuer>
        <titleOfClass>SEIX SR LN ETF</titleOfClass>
        <cusip>92790A405</cusip>
        <value>356485</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14897</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>14897</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vulcan Materials Co</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>929160109</cusip>
        <value>32916</value>
        <shrsOrPrnAmt>
            <sshPrnamt>145</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>145</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Vulcan Materials Co</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>929160109</cusip>
        <value>1390209</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6124</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>6124</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WASTE MANAGEMENT</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>94106L109</cusip>
        <value>9671</value>
        <shrsOrPrnAmt>
            <sshPrnamt>54</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>54</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WASTE MANAGEMENT</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>94106L109</cusip>
        <value>302321</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1688</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>1688</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>949746101</cusip>
        <value>99966</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2031</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>2031</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>949746101</cusip>
        <value>169907</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3452</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>3452</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WISDOMTREE ASSET MANAGEMENT INC</nameOfIssuer>
        <titleOfClass>US MIDCAP DIVID</titleOfClass>
        <cusip>97717W505</cusip>
        <value>865734</value>
        <shrsOrPrnAmt>
            <sshPrnamt>18948</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>18948</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WISDOMTREE ASSET MANAGEMENT INC</nameOfIssuer>
        <titleOfClass>US SMALLCAP DIVD</titleOfClass>
        <cusip>97717W604</cusip>
        <value>452375</value>
        <shrsOrPrnAmt>
            <sshPrnamt>14062</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>14062</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WISDOMTREE ETFS/USA</nameOfIssuer>
        <titleOfClass>EMG MKTS SMCAP</titleOfClass>
        <cusip>97717W281</cusip>
        <value>1100087</value>
        <shrsOrPrnAmt>
            <sshPrnamt>22037</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>22037</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WISDOMTREE ETFS/USA</nameOfIssuer>
        <titleOfClass>EMER MKT HIGH FD</titleOfClass>
        <cusip>97717W315</cusip>
        <value>843540</value>
        <shrsOrPrnAmt>
            <sshPrnamt>20736</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>20736</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Walmart Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>931142103</cusip>
        <value>64479</value>
        <shrsOrPrnAmt>
            <sshPrnamt>409</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>409</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Walmart Inc</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>931142103</cusip>
        <value>7422635</value>
        <shrsOrPrnAmt>
            <sshPrnamt>47083</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>47083</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Walt Disney Co/The</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>254687106</cusip>
        <value>22573</value>
        <shrsOrPrnAmt>
            <sshPrnamt>250</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>250</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Walt Disney Co/The</nameOfIssuer>
        <titleOfClass>COM</titleOfClass>
        <cusip>254687106</cusip>
        <value>417050</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4619</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>4619</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>WisdomTree Asset Management Inc</nameOfIssuer>
        <titleOfClass>FLOATNG RAT TREA</titleOfClass>
        <cusip>97717Y527</cusip>
        <value>5906667</value>
        <shrsOrPrnAmt>
            <sshPrnamt>117569</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>117569</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>iShares ETFs/USA</nameOfIssuer>
        <titleOfClass>CORE US AGGBD ET</titleOfClass>
        <cusip>464287226</cusip>
        <value>793305</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7993</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>7967</Sole>
            <Shared>0</Shared>
            <None>26</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>iShares ETFs/USA</nameOfIssuer>
        <titleOfClass>CORE US AGGBD ET</titleOfClass>
        <cusip>464287226</cusip>
        <value>49096295</value>
        <shrsOrPrnAmt>
            <sshPrnamt>494673</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>494254</Sole>
            <Shared>0</Shared>
            <None>419</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>iShares ETFs/USA</nameOfIssuer>
        <titleOfClass>7-10 YR TRSY BD</titleOfClass>
        <cusip>464287440</cusip>
        <value>27953</value>
        <shrsOrPrnAmt>
            <sshPrnamt>290</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>290</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>iShares ETFs/USA</nameOfIssuer>
        <titleOfClass>7-10 YR TRSY BD</titleOfClass>
        <cusip>464287440</cusip>
        <value>10637118</value>
        <shrsOrPrnAmt>
            <sshPrnamt>110355</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>110355</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>iShares ETFs/USA</nameOfIssuer>
        <titleOfClass>JPMORGAN USD EMG</titleOfClass>
        <cusip>464288281</cusip>
        <value>9351</value>
        <shrsOrPrnAmt>
            <sshPrnamt>105</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>105</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>iShares ETFs/USA</nameOfIssuer>
        <titleOfClass>JPMORGAN USD EMG</titleOfClass>
        <cusip>464288281</cusip>
        <value>1450698</value>
        <shrsOrPrnAmt>
            <sshPrnamt>16289</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>16289</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>iShares ETFs/USA</nameOfIssuer>
        <titleOfClass>ESG AWRE 1 5 YR</titleOfClass>
        <cusip>46435G243</cusip>
        <value>248913</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10168</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>10168</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>iShares ETFs/USA</nameOfIssuer>
        <titleOfClass>ESG AWR US AGRGT</titleOfClass>
        <cusip>46435U549</cusip>
        <value>243092</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5092</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>DFND</investmentDiscretion>
        <votingAuthority>
            <Sole>5092</Sole>
            <Shared>0</Shared>
            <None>0</None>
        </votingAuthority>
    </infoTable>
</informationTable>
