# EDGAR Filing Document

**Accession Number:** 0001964897
**File Stem:** 0001172661-23-000508
**Filing Date:** 2023-2
**Character Count:** 17838
**Document Hash:** ad5352d8db1b395bf68948849cb6e019
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001172661-23-000508.hdr.sgml**: 20230208

**ACCESSION NUMBER**: 0001172661-23-000508

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230208

**DATE AS OF CHANGE**: 20230208

**EFFECTIVENESS DATE**: 20230208

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** River Street Advisors LLC
- **CENTRAL INDEX KEY:** 0001964897
- **IRS NUMBER:** 272503523
- **STATE OF INCORPORATION:** IL
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-22846
- **FILM NUMBER:** 23597119

**BUSINESS ADDRESS:**
- **STREET 1:** 37 SOUTH RIVER STREET
- **CITY:** AURORA
- **STATE:** IL
- **ZIP:** 60506
- **BUSINESS PHONE:** 630-906-5501

**MAIL ADDRESS:**
- **STREET 1:** 37 SOUTH RIVER STREET
- **CITY:** AURORA
- **STATE:** IL
- **ZIP:** 60506

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**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:** River Street Advisors LLC<br>**Address:** 37 South River Street<br>Aurora, IL 60506

**Form 13F File Number:** 028-22846

**CRD Number (if applicable):** 000153537

**SEC File Number (if applicable):** 801-119750

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:** David Bach<br>**Title:** Chief Compliance Officer<br>**Phone:** 630-906-2002

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

/s/ David Bach  Aurora, IL  02-08-2023<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:** 152

**Form 13F Information Table Value Total:** $93378733

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 598264 | 5449 | SH |  | SOLE |  | 0 | 0 | 5449 |
| ABBVIE INC | COM | 00287Y109 |  | 1457171 | 9017 | SH |  | SOLE |  | 0 | 0 | 9017 |
| ABBVIE INC | COM | 00287Y109 |  | 8404 | 52 | SH |  | DFND |  | 0 | 0 | 52 |
| AES CORP | COM | 00130H105 |  | 327784 | 11397 | SH |  | SOLE |  | 0 | 0 | 11397 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 934953 | 3033 | SH |  | SOLE |  | 0 | 0 | 3033 |
| AIR PRODS  CHEMS INC | COM | 009158106 |  | 9248 | 30 | SH |  | DFND |  | 0 | 0 | 30 |
| ALBEMARLE CORP | COM | 012653101 |  | 465678 | 2147 | SH |  | SOLE |  | 0 | 0 | 2147 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 1174165 | 13308 | SH |  | SOLE |  | 0 | 0 | 13308 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 292270 | 6394 | SH |  | SOLE |  | 0 | 0 | 6394 |
| AMAZON COM INC | COM | 023135106 |  | 660408 | 7862 | SH |  | SOLE |  | 0 | 0 | 7862 |
| AMAZON COM INC | COM | 023135106 |  | 11760 | 140 | SH |  | DFND |  | 0 | 0 | 140 |
| AMGEN INC | COM | 031162100 |  | 216153 | 823 | SH |  | SOLE |  | 0 | 0 | 823 |
| APPLE INC | COM | 037833100 |  | 55220 | 425 | SH |  | DFND |  | 0 | 0 | 425 |
| APPLE INC | COM | 037833100 |  | 3981836 | 30646 | SH |  | SOLE |  | 0 | 0 | 30646 |
| APTIV PLC | SHS | G6095L109 |  | 222488 | 2389 | SH |  | SOLE |  | 0 | 0 | 2389 |
| BADGER METER INC | COM | 056525108 |  | 374829 | 3438 | SH |  | SOLE |  | 0 | 0 | 3438 |
| BERKSHIRE HATHAWAY INC DEL | CL A | 084670108 |  | 468711 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 747847 | 2421 | SH |  | SOLE |  | 0 | 0 | 2421 |
| BLACKROCK INC | COM | 09247X101 |  | 1153091 | 1627 | SH |  | SOLE |  | 0 | 0 | 1627 |
| BLACKROCK INC | COM | 09247X101 |  | 11338 | 16 | SH |  | DFND |  | 0 | 0 | 16 |
| BOEING CO | COM | 097023105 |  | 177727 | 933 | SH |  | SOLE |  | 0 | 0 | 933 |
| BOEING CO | COM | 097023105 |  | 38098 | 200 | SH |  | DFND |  | 0 | 0 | 200 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 793033 | 11022 | SH |  | SOLE |  | 0 | 0 | 11022 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 9138 | 127 | SH |  | DFND |  | 0 | 0 | 127 |
| BROADCOM INC | COM | 11135F101 |  | 1447235 | 2588 | SH |  | SOLE |  | 0 | 0 | 2588 |
| BROADCOM INC | COM | 11135F101 |  | 6150 | 11 | SH |  | DFND |  | 0 | 0 | 11 |
| CF INDS HLDGS INC | COM | 125269100 |  | 342028 | 4014 | SH |  | SOLE |  | 0 | 0 | 4014 |
| CHEVRON CORP NEW | COM | 166764100 |  | 415909 | 2317 | SH |  | SOLE |  | 0 | 0 | 2317 |
| CISCO SYS INC | COM | 17275R102 |  | 853872 | 17923 | SH |  | SOLE |  | 0 | 0 | 17923 |
| CISCO SYS INC | COM | 17275R102 |  | 5717 | 120 | SH |  | DFND |  | 0 | 0 | 120 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 8393 | 240 | SH |  | DFND |  | 0 | 0 | 240 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 382432 | 10936 | SH |  | SOLE |  | 0 | 0 | 10936 |
| CORNING INC | COM | 219350105 |  | 497721 | 15583 | SH |  | SOLE |  | 0 | 0 | 15583 |
| CORNING INC | COM | 219350105 |  | 3481 | 109 | SH |  | DFND |  | 0 | 0 | 109 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 4108 | 9 | SH |  | DFND |  | 0 | 0 | 9 |
| COSTCO WHSL CORP NEW | COM | 22160K105 |  | 892914 | 1956 | SH |  | SOLE |  | 0 | 0 | 1956 |
| CUMMINS INC | COM | 231021106 |  | 15749 | 65 | SH |  | DFND |  | 0 | 0 | 65 |
| CUMMINS INC | COM | 231021106 |  | 1221770 | 5043 | SH |  | SOLE |  | 0 | 0 | 5043 |
| DANAHER CORPORATION | COM | 235851102 |  | 365498 | 1377 | SH |  | SOLE |  | 0 | 0 | 1377 |
| DEERE  CO | COM | 244199105 |  | 514512 | 1200 | SH |  | SOLE |  | 0 | 0 | 1200 |
| DISCOVER FINL SVCS | COM | 254709108 |  | 905123 | 9252 | SH |  | SOLE |  | 0 | 0 | 9252 |
| DISCOVER FINL SVCS | COM | 254709108 |  | 4500 | 46 | SH |  | DFND |  | 0 | 0 | 46 |
| DISNEY WALT CO | COM | 254687106 |  | 513982 | 5916 | SH |  | SOLE |  | 0 | 0 | 5916 |
| EATON CORP PLC | SHS | G29183103 |  | 1308492 | 8337 | SH |  | SOLE |  | 0 | 0 | 8337 |
| EATON CORP PLC | SHS | G29183103 |  | 10516 | 67 | SH |  | DFND |  | 0 | 0 | 67 |
| ENBRIDGE INC | COM | 29250N105 |  | 746536 | 19093 | SH |  | SOLE |  | 0 | 0 | 19093 |
| ENBRIDGE INC | COM | 29250N105 |  | 12512 | 320 | SH |  | DFND |  | 0 | 0 | 320 |
| EOG RES INC | COM | 26875P101 |  | 8289 | 64 | SH |  | DFND |  | 0 | 0 | 64 |
| EOG RES INC | COM | 26875P101 |  | 813035 | 6277 | SH |  | SOLE |  | 0 | 0 | 6277 |
| FIRST TR EXCHANGE TRADED FD | NASDAQ CYB ETF | 33734X846 |  | 263926 | 6818 | SH |  | SOLE |  | 0 | 0 | 6818 |
| FISERV INC | COM | 337738108 |  | 374565 | 3706 | SH |  | SOLE |  | 0 | 0 | 3706 |
| GLOBAL X FDS | S 500 COVERED | 37954Y475 |  | 3071493 | 78016 | SH |  | SOLE |  | 0 | 0 | 78016 |
| GLOBAL X FDS | S 500 COVERED | 37954Y475 |  | 25866 | 657 | SH |  | DFND |  | 0 | 0 | 657 |
| HOME DEPOT INC | COM | 437076102 |  | 11055 | 35 | SH |  | DFND |  | 0 | 0 | 35 |
| HOME DEPOT INC | COM | 437076102 |  | 951653 | 3013 | SH |  | SOLE |  | 0 | 0 | 3013 |
| HONEYWELL INTL INC | COM | 438516106 |  | 2357 | 11 | SH |  | DFND |  | 0 | 0 | 11 |
| HONEYWELL INTL INC | COM | 438516106 |  | 541536 | 2527 | SH |  | SOLE |  | 0 | 0 | 2527 |
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 |  | 531481 | 25888 | SH |  | SOLE |  | 0 | 0 | 25888 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB | 46138J825 |  | 7311 | 363 | SH |  | DFND |  | 0 | 0 | 363 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2024 CB | 46138J841 |  | 3629875 | 177196 | SH |  | SOLE |  | 0 | 0 | 177196 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2025 CB | 46138J825 |  | 1367558 | 67903 | SH |  | SOLE |  | 0 | 0 | 67903 |
| INVESCO EXCH TRD SLF IDX FD | BULSHS 2024 CB | 46138J841 |  | 24766 | 1209 | SH |  | DFND |  | 0 | 0 | 1209 |
| ISHARES INC | MSCI BRAZIL ETF | 464286400 |  | 1692034 | 60495 | SH |  | SOLE |  | 0 | 0 | 60495 |
| ISHARES INC | MSCI BRAZIL ETF | 464286400 |  | 11803 | 422 | SH |  | DFND |  | 0 | 0 | 422 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 314205 | 6354 | SH |  | SOLE |  | 0 | 0 | 6354 |
| ISHARES TR | IBONDS 23 TRM TS | 46436E882 |  | 14524 | 588 | SH |  | DFND |  | 0 | 0 | 588 |
| ISHARES TR | IBONDS 23 TRM TS | 46436E882 |  | 2184355 | 88435 | SH |  | SOLE |  | 0 | 0 | 88435 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 7280647 | 30099 | SH |  | SOLE |  | 0 | 0 | 30099 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 26608 | 110 | SH |  | DFND |  | 0 | 0 | 110 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 1964446 | 11121 | SH |  | SOLE |  | 0 | 0 | 11121 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 10952 | 62 | SH |  | DFND |  | 0 | 0 | 62 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 2260737 | 16859 | SH |  | SOLE |  | 0 | 0 | 16859 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 7107 | 53 | SH |  | DFND |  | 0 | 0 | 53 |
| KLA CORP | COM NEW | 482480100 |  | 1088974 | 2888 | SH |  | SOLE |  | 0 | 0 | 2888 |
| KLA CORP | COM NEW | 482480100 |  | 3770 | 10 | SH |  | DFND |  | 0 | 0 | 10 |
| LKQ CORP | COM | 501889208 |  | 289043 | 5412 | SH |  | SOLE |  | 0 | 0 | 5412 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 266597 | 548 | SH |  | SOLE |  | 0 | 0 | 548 |
| LOWES COS INC | COM | 548661107 |  | 234505 | 1177 | SH |  | SOLE |  | 0 | 0 | 1177 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 825890 | 2375 | SH |  | SOLE |  | 0 | 0 | 2375 |
| MCDONALDS CORP | COM | 580135101 |  | 936322 | 3553 | SH |  | SOLE |  | 0 | 0 | 3553 |
| MCDONALDS CORP | COM | 580135101 |  | 8433 | 32 | SH |  | DFND |  | 0 | 0 | 32 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 757592 | 9748 | SH |  | SOLE |  | 0 | 0 | 9748 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 9948 | 128 | SH |  | DFND |  | 0 | 0 | 128 |
| METLIFE INC | COM | 59156R108 |  | 1150619 | 15899 | SH |  | SOLE |  | 0 | 0 | 15899 |
| METLIFE INC | COM | 59156R108 |  | 4270 | 59 | SH |  | DFND |  | 0 | 0 | 59 |
| MICROSOFT CORP | COM | 594918104 |  | 2611021 | 10887 | SH |  | SOLE |  | 0 | 0 | 10887 |
| MICROSOFT CORP | COM | 594918104 |  | 7195 | 30 | SH |  | DFND |  | 0 | 0 | 30 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 471866 | 7080 | SH |  | SOLE |  | 0 | 0 | 7080 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 1210706 | 14240 | SH |  | SOLE |  | 0 | 0 | 14240 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 8502 | 100 | SH |  | DFND |  | 0 | 0 | 100 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 810328 | 3288 | SH |  | SOLE |  | 0 | 0 | 3288 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 913236 | 6249 | SH |  | SOLE |  | 0 | 0 | 6249 |
| PACKAGING CORP AMER | COM | 695156109 |  | 3198 | 25 | SH |  | DFND |  | 0 | 0 | 25 |
| PACKAGING CORP AMER | COM | 695156109 |  | 556025 | 4347 | SH |  | SOLE |  | 0 | 0 | 4347 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 428887 | 6022 | SH |  | SOLE |  | 0 | 0 | 6022 |
| PEPSICO INC | COM | 713448108 |  | 18066 | 100 | SH |  | DFND |  | 0 | 0 | 100 |
| PEPSICO INC | COM | 713448108 |  | 984055 | 5447 | SH |  | SOLE |  | 0 | 0 | 5447 |
| PFIZER INC | COM | 717081103 |  | 1222800 | 23864 | SH |  | SOLE |  | 0 | 0 | 23864 |
| PFIZER INC | COM | 717081103 |  | 12246 | 239 | SH |  | DFND |  | 0 | 0 | 239 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 15156 | 100 | SH |  | DFND |  | 0 | 0 | 100 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 916938 | 6050 | SH |  | SOLE |  | 0 | 0 | 6050 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 745595 | 12169 | SH |  | SOLE |  | 0 | 0 | 12169 |
| PUBLIC SVC ENTERPRISE GRP IN | COM | 744573106 |  | 13051 | 213 | SH |  | DFND |  | 0 | 0 | 213 |
| PULTE GROUP INC | COM | 745867101 |  | 270826 | 5948 | SH |  | SOLE |  | 0 | 0 | 5948 |
| QUALCOMM INC | COM | 747525103 |  | 720987 | 6558 | SH |  | SOLE |  | 0 | 0 | 6558 |
| QUALCOMM INC | COM | 747525103 |  | 10994 | 100 | SH |  | DFND |  | 0 | 0 | 100 |
| QUANTA SVCS INC | COM | 74762E102 |  | 295688 | 2075 | SH |  | SOLE |  | 0 | 0 | 2075 |
| REGENERON PHARMACEUTICALS | COM | 75886F107 |  | 331885 | 460 | SH |  | SOLE |  | 0 | 0 | 460 |
| ROPER TECHNOLOGIES INC | COM | 776696106 |  | 289518 | 670 | SH |  | SOLE |  | 0 | 0 | 670 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 269871 | 3620 | SH |  | SOLE |  | 0 | 0 | 3620 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 365673 | 4181 | SH |  | SOLE |  | 0 | 0 | 4181 |
| SELECT SECTOR SPDR TR | SBI HEALTHCARE | 81369Y209 |  | 564049 | 4152 | SH |  | SOLE |  | 0 | 0 | 4152 |
| SHOPIFY INC | CL A | 82509L107 |  | 278617 | 8027 | SH |  | SOLE |  | 0 | 0 | 8027 |
| SOFI TECHNOLOGIES INC | COM | 83406F102 |  | 183704 | 39849 | SH |  | SOLE |  | 0 | 0 | 39849 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 542228 | 18263 | SH |  | SOLE |  | 0 | 0 | 18263 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 335335 | 10174 | SH |  | SOLE |  | 0 | 0 | 10174 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 666575 | 1743 | SH |  | SOLE |  | 0 | 0 | 1743 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 269216 | 608 | SH |  | SOLE |  | 0 | 0 | 608 |
| SPDR SER TR | PRTFLO S VL | 78464A508 |  | 1284109 | 33019 | SH |  | SOLE |  | 0 | 0 | 33019 |
| SPDR SER TR | PORTFOLIO S | 78468R853 |  | 675405 | 18269 | SH |  | SOLE |  | 0 | 0 | 18269 |
| SPDR SER TR | PORTFOLIO AGRGTE | 78464A649 |  | 555172 | 22092 | SH |  | SOLE |  | 0 | 0 | 22092 |
| SPDR SER TR | PORTFOLIO S | 78464A854 |  | 2504396 | 55678 | SH |  | SOLE |  | 0 | 0 | 55678 |
| SPDR SER TR | PORTFOLIO S | 78464A847 |  | 546380 | 12856 | SH |  | SOLE |  | 0 | 0 | 12856 |
| SPDR SER TR | PORTFOLIO INTRMD | 78464A375 |  | 908142 | 28531 | SH |  | SOLE |  | 0 | 0 | 28531 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 614374 | 12125 | SH |  | SOLE |  | 0 | 0 | 12125 |
| STARBUCKS CORP | COM | 855244109 |  | 1201907 | 12116 | SH |  | SOLE |  | 0 | 0 | 12116 |
| STARBUCKS CORP | COM | 855244109 |  | 14186 | 143 | SH |  | DFND |  | 0 | 0 | 143 |
| STRYKER CORPORATION | COM | 863667101 |  | 364087 | 1489 | SH |  | SOLE |  | 0 | 0 | 1489 |
| TESLA INC | COM | 88160R101 |  | 266069 | 2160 | SH |  | SOLE |  | 0 | 0 | 2160 |
| THERMO FISHER SCIENTIFIC INC | COM | 883556102 |  | 265433 | 482 | SH |  | SOLE |  | 0 | 0 | 482 |
| TYSON FOODS INC | CL A | 902494103 |  | 676628 | 10870 | SH |  | SOLE |  | 0 | 0 | 10870 |
| TYSON FOODS INC | CL A | 902494103 |  | 7781 | 125 | SH |  | DFND |  | 0 | 0 | 125 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 5035 | 100 | SH |  | DFND |  | 0 | 0 | 100 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 707921 | 14060 | SH |  | SOLE |  | 0 | 0 | 14060 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 5215 | 30 | SH |  | DFND |  | 0 | 0 | 30 |
| UNITED PARCEL SERVICE INC | CL B | 911312106 |  | 533515 | 3069 | SH |  | SOLE |  | 0 | 0 | 3069 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 12686 | 100 | SH |  | DFND |  | 0 | 0 | 100 |
| VALERO ENERGY CORP | COM | 91913Y100 |  | 1271772 | 10025 | SH |  | SOLE |  | 0 | 0 | 10025 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 486606 | 1385 | SH |  | SOLE |  | 0 | 0 | 1385 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 295728 | 3585 | SH |  | SOLE |  | 0 | 0 | 3585 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 2477206 | 44683 | SH |  | SOLE |  | 0 | 0 | 44683 |
| VANGUARD INTL EQUITY INDEX F | FTSE EUROPE ETF | 922042874 |  | 11642 | 210 | SH |  | DFND |  | 0 | 0 | 210 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 513253 | 3380 | SH |  | SOLE |  | 0 | 0 | 3380 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 23385 | 154 | SH |  | DFND |  | 0 | 0 | 154 |
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 |  | 1128920 | 10433 | SH |  | SOLE |  | 0 | 0 | 10433 |
| VANGUARD WORLD FDS | UTILITIES ETF | 92204A876 |  | 519277 | 3386 | SH |  | SOLE |  | 0 | 0 | 3386 |
| VANGUARD WORLD FDS | ENERGY ETF | 92204A306 |  | 297864 | 2456 | SH |  | SOLE |  | 0 | 0 | 2456 |
| VANGUARD WORLD FDS | UTILITIES ETF | 92204A876 |  | 5214 | 34 | SH |  | DFND |  | 0 | 0 | 34 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 523311 | 13282 | SH |  | SOLE |  | 0 | 0 | 13282 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 7880 | 200 | SH |  | DFND |  | 0 | 0 | 200 |
| WALMART INC | COM | 931142103 |  | 470811 | 3320 | SH |  | SOLE |  | 0 | 0 | 3320 |
| ZOETIS INC | CL A | 98978V103 |  | 216475 | 1477 | SH |  | SOLE |  | 0 | 0 | 1477 |

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