# EDGAR Filing Document

**Accession Number:** 0001427372
**File Stem:** 0001427372-25-000009
**Filing Date:** 2025-7
**Character Count:** 16742
**Document Hash:** 307b2a51c4c9f78cc541c0b61a5cc7b0
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001427372-25-000009.hdr.sgml**: 20250725

**ACCESSION NUMBER**: 0001427372-25-000009

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20250630

**FILED AS OF DATE**: 20250725

**DATE AS OF CHANGE**: 20250725

**EFFECTIVENESS DATE**: 20250725

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Gibson Capital, LLC
- **CENTRAL INDEX KEY:** 0001427372

**ORGANIZATION NAME:**
- **EIN:** 263581953
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-12998
- **FILM NUMBER:** 251150208

**BUSINESS ADDRESS:**
- **STREET 1:** 6600 BROOKTREE COURT, SUITE 2200
- **CITY:** WEXFORD
- **STATE:** PA
- **ZIP:** 15090
- **BUSINESS PHONE:** 724-934-3200

**MAIL ADDRESS:**
- **STREET 1:** 6600 BROOKTREE COURT, SUITE 2200
- **CITY:** WEXFORD
- **STATE:** PA
- **ZIP:** 15090

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Gibson Capital Management, Ltd.
- **DATE OF NAME CHANGE:** 20080215

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 06-30-2025

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Gibson Capital LLC<br>**Address:** 6600 BROOKTREE COURT SUITE 2200<br>WEXFORD, PA 15090

**Form 13F File Number:** 028-12998

**CRD Number (if applicable):** 000148836

**SEC File Number (if applicable):** 801-69774

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Daniel G. Berczik<br>**Title:** Chief Compliance Officer<br>**Phone:** 724-934-3200

**Signature, Place, and Date of Signing:**

Daniel G Berczik  Wexford, PA  07-25-2025<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 123

**Form 13F Information Table Value Total:** $506498145

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 3M CO COM | Stock | 88579Y101 |  | 224425 | 1474 | SH |  | DFND | NONE | 0 | 0 | 1474 |
| 3M CO COM | Stock | 88579Y101 |  | 56024 | 368 | SH |  | SOLE | NONE | 368 | 0 | 0 |
| ALPHABET INC CAP STK CL A | Stock | 02079K305 |  | 5287 | 30 | SH |  | DFND | NONE | 0 | 0 | 30 |
| ALPHABET INC CAP STK CL A | Stock | 02079K305 |  | 363210 | 2061 | SH |  | SOLE | NONE | 2061 | 0 | 0 |
| ALPHABET INC CAP STK CL C | Stock | 02079K107 |  | 18390 | 104 | SH |  | DFND | NONE | 0 | 0 | 103 |
| ALPHABET INC CAP STK CL C | Stock | 02079K107 |  | 127721 | 720 | SH |  | SOLE | NONE | 720 | 0 | 0 |
| AMAZON COM INC COM | Stock | 023135106 |  | 295404 | 1346 | SH |  | DFND | NONE | 0 | 0 | 1346 |
| AMAZON COM INC COM | Stock | 023135106 |  | 1090138 | 4969 | SH |  | SOLE | NONE | 3968 | 0 | 1000 |
| APPLE INC COM | Stock | 037833100 |  | 1829142 | 8915 | SH |  | DFND | NONE | 0 | 0 | 8915 |
| APPLE INC COM | Stock | 037833100 |  | 459991 | 2242 | SH |  | SOLE | NONE | 2142 | 0 | 100 |
| AVANTIS EMERGING MARKETS VALUE ETF | ETF | 025072372 |  | 119406 | 2230 | SH |  | DFND | NONE | 0 | 0 | 2230 |
| AVANTIS EMERGING MARKETS VALUE ETF | ETF | 025072372 |  | 1862299 | 34780 | SH |  | SOLE | NONE | 34780 | 0 | 0 |
| AVANTIS INTERNATIONAL SMALL CAP VALUE ETF | ETF | 025072802 |  | 195822 | 2470 | SH |  | DFND | NONE | 0 | 0 | 2470 |
| AVANTIS INTERNATIONAL SMALL CAP VALUE ETF | ETF | 025072802 |  | 1594645 | 20114 | SH |  | SOLE | NONE | 20114 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL CL A | Stock | 084670108 |  | 15304800 | 21 | SH |  | SOLE | NONE | 21 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 |  | 564465 | 1162 | SH |  | DFND | NONE | 0 | 0 | 1162 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | Stock | 084670702 |  | 2952996 | 6079 | SH |  | SOLE | NONE | 6079 | 0 | 0 |
| BLACKROCK INC COM | Stock | 09290D101 |  | 281199 | 268 | SH |  | SOLE | NONE | 218 | 0 | 50 |
| BRIDGEWAY OMNI SMALL CAP VALUE TAX-MANAGED ETF | ETF | 02072L532 |  | 172496 | 8464 | SH |  | DFND | NONE | 0 | 0 | 8464 |
| BRIDGEWAY OMNI SMALL CAP VALUE TAX-MANAGED ETF | ETF | 02072L532 |  | 12323175 | 604670 | SH |  | SOLE | NONE | 604670 | 0 | 0 |
| CHEVRON CORP NEW COM | Stock | 166764100 |  | 337870 | 2360 | SH |  | DFND | NONE | 0 | 0 | 2359 |
| CHEVRON CORP NEW COM | Stock | 166764100 |  | 139753 | 976 | SH |  | SOLE | NONE | 976 | 0 | 0 |
| COCA COLA CO COM | Stock | 191216100 |  | 920 | 13 | SH |  | DFND | NONE | 0 | 0 | 13 |
| COCA COLA CO COM | Stock | 191216100 |  | 459026 | 6488 | SH |  | SOLE | NONE | 6488 | 0 | 0 |
| COSTCO WHSL CORP NEW COM | Stock | 22160K105 |  | 1980 | 2 | SH |  | DFND | NONE | 0 | 0 | 2 |
| COSTCO WHSL CORP NEW COM | Stock | 22160K105 |  | 638511 | 645 | SH |  | SOLE | NONE | 645 | 0 | 0 |
| DIMENSIONAL EMERGING MARKETS VALUE ETF | ETF | 25434V740 |  | 960295 | 32021 | SH |  | SOLE | NONE | 32020 | 0 | 0 |
| DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF | ETF | 25434V781 |  | 500759 | 15216 | SH |  | SOLE | NONE | 15216 | 0 | 0 |
| DIMENSIONAL U.S. TARGETED VALUE ETF | ETF | 25434V609 |  | 5262341 | 97523 | SH |  | SOLE | NONE | 97523 | 0 | 0 |
| DIMENSIONAL US SUSTAINABILITY CORE 1 ETF | ETF | 25434V716 |  | 15337526 | 390765 | SH |  | SOLE | NONE | 390765 | 0 | 0 |
| DUCOMMUN INC DEL COM | Stock | 264147109 |  | 8695072 | 105229 | SH |  | DFND | NONE | 0 | 0 | 105229 |
| EATON CORP PLC SHS | Stock | G29183103 |  | 714 | 2 | SH |  | DFND | NONE | 0 | 0 | 2 |
| EATON CORP PLC SHS | Stock | G29183103 |  | 277738 | 778 | SH |  | SOLE | NONE | 778 | 0 | 0 |
| ELBIT SYS LTD ORD | Stock | M3760D101 |  | 269700 | 600 | SH |  | SOLE | NONE | 600 | 0 | 0 |
| ENCOMPASS HEALTH CORP COM | Stock | 29261A100 |  | 301302 | 2457 | SH |  | SOLE | NONE | 2457 | 0 | 0 |
| EXXON MOBIL CORP COM | Stock | 30231G102 |  | 255115 | 2367 | SH |  | DFND | NONE | 0 | 0 | 2366 |
| EXXON MOBIL CORP COM | Stock | 30231G102 |  | 37730 | 350 | SH |  | SOLE | NONE | 350 | 0 | 0 |
| F N B CORP COM | Stock | 302520101 |  | 265327 | 18198 | SH |  | DFND | NONE | 0 | 0 | 18198 |
| FASTENAL CO COM | Stock | 311900104 |  | 84 | 2 | SH |  | DFND | NONE | 0 | 0 | 2 |
| FASTENAL CO COM | Stock | 311900104 |  | 194040 | 4620 | SH |  | SOLE | NONE | 4620 | 0 | 0 |
| FIDELITY ENHANCED LARGE CAP GROWTH ETF | ETF | 31609A305 |  | 601007 | 16230 | SH |  | SOLE | NONE | 16230 | 0 | 0 |
| FIFTH THIRD BANCORP COM | Stock | 316773100 |  | 236004 | 5738 | SH |  | DFND | NONE | 0 | 0 | 5738 |
| GE VERNOVA INC COM | Stock | 36828A101 |  | 369729 | 699 | SH |  | DFND | NONE | 0 | 0 | 698 |
| GE VERNOVA INC COM | Stock | 36828A101 |  | 3704 | 7 | SH |  | SOLE | NONE | 7 | 0 | 0 |
| GOLDMAN SACHS JUST U.S. LARGE CAP EQUITY ETF | ETF | 381430396 |  | 541269 | 6156 | SH |  | SOLE | NONE | 6156 | 0 | 0 |
| HOME DEPOT INC COM | Stock | 437076102 |  | 19432 | 53 | SH |  | DFND | NONE | 0 | 0 | 53 |
| HOME DEPOT INC COM | Stock | 437076102 |  | 409904 | 1118 | SH |  | SOLE | NONE | 1118 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS COM | Stock | 459200101 |  | 221456 | 751 | SH |  | DFND | NONE | 0 | 0 | 751 |
| INTERNATIONAL BUSINESS MACHS COM | Stock | 459200101 |  | 38165 | 129 | SH |  | SOLE | NONE | 4 | 0 | 125 |
| INVESCO QQQ TRUST SERIES I | ETF | 46090E103 |  | 538125 | 976 | SH |  | SOLE | NONE | 975 | 0 | 0 |
| ISHARES BITCOIN TRUST ETF | ETF | 46438F101 |  | 92182 | 1506 | SH |  | DFND | NONE | 0 | 0 | 1506 |
| ISHARES BITCOIN TRUST ETF | ETF | 46438F101 |  | 1295020 | 21157 | SH |  | SOLE | NONE | 21157 | 0 | 0 |
| ISHARES CORE S 500 ETF | ETF | 464287200 |  | 4 | 0 | SH |  | DFND | NONE | 0 | 0 | 0 |
| ISHARES CORE S 500 ETF | ETF | 464287200 |  | 863753 | 1391 | SH |  | SOLE | NONE | 1391 | 0 | 0 |
| ISHARES CORE S TOTAL U.S. STOCK MARKET ETF | ETF | 464287150 |  | 1383 | 10 | SH |  | DFND | NONE | 0 | 0 | 10 |
| ISHARES CORE S TOTAL U.S. STOCK MARKET ETF | ETF | 464287150 |  | 1052683 | 7795 | SH |  | SOLE | NONE | 7795 | 0 | 0 |
| ISHARES ESG MSCI KLD 400 ETF | ETF | 464288570 |  | 17192 | 148 | SH |  | DFND | NONE | 0 | 0 | 148 |
| ISHARES ESG MSCI KLD 400 ETF | ETF | 464288570 |  | 2901212 | 24976 | SH |  | SOLE | NONE | 24976 | 0 | 0 |
| ISHARES GOLD TRUST | ETF | 464285204 |  | 53899 | 864 | SH |  | DFND | NONE | 0 | 0 | 864 |
| ISHARES GOLD TRUST | ETF | 464285204 |  | 4615929 | 74021 | SH |  | SOLE | NONE | 74020 | 0 | 0 |
| ISHARES MSCI ACWI ETF | ETF | 464288257 |  | 211540 | 1645 | SH |  | SOLE | NONE | 1644 | 0 | 0 |
| ISHARES MSCI EAFE ETF | ETF | 464287465 |  | 389472 | 4357 | SH |  | SOLE | NONE | 4357 | 0 | 0 |
| ISHARES MSCI EMERGING MARKETS ETF | ETF | 464287234 |  | 377237 | 7820 | SH |  | SOLE | NONE | 7820 | 0 | 0 |
| ISHARES MSCI USA MIN VOL FACTOR ETF | ETF | 46429B697 |  | 551862 | 5879 | SH |  | SOLE | NONE | 5879 | 0 | 0 |
| ISHARES RUSSELL 1000 ETF | ETF | 464287622 |  | 325308 | 958 | SH |  | SOLE | NONE | 958 | 0 | 0 |
| ISHARES RUSSELL 1000 GROWTH ETF | ETF | 464287614 |  | 819439 | 1930 | SH |  | SOLE | NONE | 1930 | 0 | 0 |
| ISHARES RUSSELL 1000 VALUE ETF | ETF | 464287598 |  | 416818 | 2146 | SH |  | SOLE | NONE | 2146 | 0 | 0 |
| ISHARES TIPS BOND ETF | ETF | 464287176 |  | 581739 | 5287 | SH |  | SOLE | NONE | 5286 | 0 | 0 |
| ISHARES U.S. MEDICAL DEVICES ETF | ETF | 464288810 |  | 204332 | 3262 | SH |  | SOLE | NONE | 3262 | 0 | 0 |
| JPMORGAN CHASE  CO. COM | Stock | 46625H100 |  | 2319 | 8 | SH |  | DFND | NONE | 0 | 0 | 8 |
| JPMORGAN CHASE  CO. COM | Stock | 46625H100 |  | 391668 | 1351 | SH |  | SOLE | NONE | 1177 | 0 | 174 |
| MASTERCARD INCORPORATED CL A | Stock | 57636Q104 |  | 2137 | 4 | SH |  | DFND | NONE | 0 | 0 | 3 |
| MASTERCARD INCORPORATED CL A | Stock | 57636Q104 |  | 278160 | 495 | SH |  | SOLE | NONE | 495 | 0 | 0 |
| MERCK  CO INC COM | Stock | 58933Y105 |  | 2137 | 27 | SH |  | DFND | NONE | 0 | 0 | 27 |
| MERCK  CO INC COM | Stock | 58933Y105 |  | 258062 | 3260 | SH |  | SOLE | NONE | 3260 | 0 | 0 |
| MERIDIANLINK INC COMMON STOCK | Stock | 58985J105 |  | 1248087 | 76900 | SH |  | DFND | NONE | 0 | 0 | 76900 |
| MERIDIANLINK INC COMMON STOCK | Stock | 58985J105 |  | 67355 | 4150 | SH |  | SOLE | NONE | 4150 | 0 | 0 |
| META PLATFORMS INC CL A | Stock | 30303M102 |  | 5167 | 7 | SH |  | DFND | NONE | 0 | 0 | 7 |
| META PLATFORMS INC CL A | Stock | 30303M102 |  | 264236 | 358 | SH |  | SOLE | NONE | 258 | 0 | 100 |
| MICROSOFT CORP COM | Stock | 594918104 |  | 427970 | 860 | SH |  | DFND | NONE | 0 | 0 | 860 |
| MICROSOFT CORP COM | Stock | 594918104 |  | 1124526 | 2261 | SH |  | SOLE | NONE | 2260 | 0 | 0 |
| NVIDIA CORPORATION COM | Stock | 67066G104 |  | 163701 | 1036 | SH |  | DFND | NONE | 0 | 0 | 1036 |
| NVIDIA CORPORATION COM | Stock | 67066G104 |  | 1927618 | 12201 | SH |  | SOLE | NONE | 10700 | 0 | 1500 |
| ORACLE CORP COM | Stock | 68389X105 |  | 1093 | 5 | SH |  | DFND | NONE | 0 | 0 | 5 |
| ORACLE CORP COM | Stock | 68389X105 |  | 517060 | 2365 | SH |  | SOLE | NONE | 2315 | 0 | 50 |
| PALANTIR TECHNOLOGIES INC CL A | Stock | 69608A108 |  | 41714 | 306 | SH |  | DFND | NONE | 0 | 0 | 306 |
| PALANTIR TECHNOLOGIES INC CL A | Stock | 69608A108 |  | 204480 | 1500 | SH |  | SOLE | NONE | 1500 | 0 | 0 |
| PALMER SQUARE CAPITAL BDC INC COM SHS | CEF | 69702V107 |  | 174360 | 12490 | SH |  | SOLE | NONE | 12490 | 0 | 0 |
| PINNACLE FINL PARTNERS INC COM | Stock | 72346Q104 |  | 466813 | 4228 | SH |  | DFND | NONE | 0 | 0 | 4228 |
| PINNACLE FINL PARTNERS INC COM | Stock | 72346Q104 |  | 22082 | 200 | SH |  | SOLE | NONE | 200 | 0 | 0 |
| PROCTER AND GAMBLE CO COM | Stock | 742718109 |  | 147310 | 925 | SH |  | DFND | NONE | 0 | 0 | 924 |
| PROCTER AND GAMBLE CO COM | Stock | 742718109 |  | 150239 | 943 | SH |  | SOLE | NONE | 943 | 0 | 0 |
| SCHWAB FUNDAMENTAL EMERGING MARKETS EQUITY ETF | ETF | 808524730 |  | 76913 | 2330 | SH |  | DFND | NONE | 0 | 0 | 2330 |
| SCHWAB FUNDAMENTAL EMERGING MARKETS EQUITY ETF | ETF | 808524730 |  | 775504 | 23493 | SH |  | SOLE | NONE | 23493 | 0 | 0 |
| SCHWAB U.S. BROAD MARKET ETF | ETF | 808524102 |  | 86074 | 3612 | SH |  | DFND | NONE | 0 | 0 | 3612 |
| SCHWAB U.S. BROAD MARKET ETF | ETF | 808524102 |  | 319387 | 13403 | SH |  | SOLE | NONE | 13402 | 0 | 0 |
| SCHWAB U.S. LARGE-CAP ETF | ETF | 808524201 |  | 625640 | 25599 | SH |  | SOLE | NONE | 25599 | 0 | 0 |
| SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST | ETF | 78467X109 |  | 226935 | 515 | SH |  | SOLE | NONE | 515 | 0 | 0 |
| SPDR DOW JONES REIT ETF | ETF | 78464A607 |  | 867478 | 8995 | SH |  | SOLE | NONE | 8995 | 0 | 0 |
| SPDR GOLD SHARES | ETF | 78463V107 |  | 243864 | 800 | SH |  | DFND | NONE | 0 | 0 | 800 |
| SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF | ETF | 78463X889 |  | 283511 | 7002 | SH |  | SOLE | NONE | 7002 | 0 | 0 |
| SPDR S DIVIDEND ETF | ETF | 78464A763 |  | 220154 | 1622 | SH |  | SOLE | NONE | 1622 | 0 | 0 |
| STRIVE 500 ETF | ETF | 02072L680 |  | 40 | 1 | SH |  | DFND | NONE | 0 | 0 | 1 |
| STRIVE 500 ETF | ETF | 02072L680 |  | 508762 | 12700 | SH |  | SOLE | NONE | 12700 | 0 | 0 |
| STRYKER CORPORATION COM | Stock | 863667101 |  | 396 | 1 | SH |  | DFND | NONE | 0 | 0 | 1 |
| STRYKER CORPORATION COM | Stock | 863667101 |  | 269424 | 681 | SH |  | SOLE | NONE | 681 | 0 | 0 |
| VANGUARD DIVIDEND APPRECIATION ETF | ETF | 921908844 |  | 5636407 | 27539 | SH |  | SOLE | NONE | 27539 | 0 | 0 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | ETF | 921943858 |  | 482818 | 8469 | SH |  | SOLE | NONE | 8469 | 0 | 0 |
| VANGUARD INTERMEDIATE-TERM BOND ETF | ETF | 921937819 |  | 278037 | 3595 | SH |  | DFND | NONE | 0 | 0 | 3595 |
| VANGUARD LARGE-CAP ETF | ETF | 922908637 |  | 10904166 | 38220 | SH |  | SOLE | NONE | 38220 | 0 | 0 |
| VANGUARD MEGA CAP ETF | ETF | 921910873 |  | 1025635 | 4560 | SH |  | SOLE | NONE | 4560 | 0 | 0 |
| VANGUARD MID-CAP ETF | ETF | 922908629 |  | 2081382 | 7438 | SH |  | SOLE | NONE | 7438 | 0 | 0 |
| VANGUARD REAL ESTATE ETF | ETF | 922908553 |  | 130115 | 1461 | SH |  | DFND | NONE | 0 | 0 | 1460 |
| VANGUARD REAL ESTATE ETF | ETF | 922908553 |  | 109830189 | 1233216 | SH |  | SOLE | NONE | 1233215 | 0 | 0 |
| VANGUARD S 500 ETF | ETF | 922908363 |  | 863406 | 1520 | SH |  | SOLE | NONE | 1520 | 0 | 0 |
| VANGUARD SMALL CAP VALUE ETF | ETF | 922908611 |  | 565334 | 2899 | SH |  | SOLE | NONE | 2899 | 0 | 0 |
| VANGUARD SMALL-CAP ETF | ETF | 922908751 |  | 1265007 | 5338 | SH |  | SOLE | NONE | 5338 | 0 | 0 |
| VANGUARD TOTAL STOCK MARKET ETF | ETF | 922908769 |  | 1344513 | 4424 | SH |  | DFND | NONE | 0 | 0 | 4423 |
| VANGUARD TOTAL STOCK MARKET ETF | ETF | 922908769 |  | 267102301 | 878828 | SH |  | SOLE | NONE | 878828 | 0 | 0 |
| VISA INC COM CL A | Stock | 92826C839 |  | 2130 | 6 | SH |  | DFND | NONE | 0 | 0 | 6 |
| VISA INC COM CL A | Stock | 92826C839 |  | 469376 | 1322 | SH |  | SOLE | NONE | 1322 | 0 | 0 |
| WALMART INC COM | Stock | 931142103 |  | 1369 | 14 | SH |  | DFND | NONE | 0 | 0 | 14 |
| WALMART INC COM | Stock | 931142103 |  | 596947 | 6105 | SH |  | SOLE | NONE | 6105 | 0 | 0 |

---