# EDGAR Filing Document

**Accession Number:** 0001422508
**File Stem:** 0001422508-23-000002
**Filing Date:** 2023-1
**Character Count:** 41328
**Document Hash:** 23a0ed7bfb89d196544b3d5c89a47da6
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001422508-23-000002.hdr.sgml**: 20230120

**ACCESSION NUMBER**: 0001422508-23-000002

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230120

**DATE AS OF CHANGE**: 20230120

**EFFECTIVENESS DATE**: 20230120

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Montecito Bank & Trust
- **CENTRAL INDEX KEY:** 0001422508
- **IRS NUMBER:** 952900153
- **STATE OF INCORPORATION:** CA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-13052
- **FILM NUMBER:** 23540848

**BUSINESS ADDRESS:**
- **STREET 1:** P.O. BOX 1440
- **CITY:** SANTA BARBARA
- **STATE:** CA
- **ZIP:** 93102
- **BUSINESS PHONE:** 805-564-0281

**MAIL ADDRESS:**
- **STREET 1:** P.O. BOX 1440
- **CITY:** SANTA BARBARA
- **STATE:** CA
- **ZIP:** 93102

### 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:** Montecito Bank  Trust<br>**Address:** P.O. BOX 1440<br>SANTA BARBARA, CA 93102

**Form 13F File Number:** 028-13052

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:** Tom Fisher<br>**Title:** CIO<br>**Phone:** 8055640281

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

Tom Fisher  Santa Barbara, CA  01-20-2023<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:** 237

**Form 13F Information Table Value Total:** $412465

      (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 |
| ALERIAN MLP ETF | Com | 00162Q452 |  | 204 | 5370 | SH |  | SOLE | 0 | 5370 | 0 | 0 |
| ALERIAN MLP ETF | Com | 00162Q452 |  | 8 | 220 | SH |  | DFND | 0 | 220 | 0 | 0 |
| AT INC | Com | 00206R102 |  | 174 | 9430 | SH |  | SOLE | 0 | 9430 | 0 | 0 |
| AT INC | Com | 00206R102 |  | 41 | 2203 | SH |  | DFND | 0 | 2203 | 0 | 0 |
| ABBVIE INC | Com | 00287Y109 |  | 4348 | 26907 | SH |  | SOLE | 0 | 26907 | 0 | 0 |
| ABBVIE INC | Com | 00287Y109 |  | 1192 | 7374 | SH |  | DFND | 0 | 7374 | 0 | 0 |
| ADOBE SYSTEMS INC | Com | 00724F101 |  | 693 | 2058 | SH |  | SOLE | 0 | 2058 | 0 | 0 |
| ADOBE SYSTEMS INC | Com | 00724F101 |  | 109 | 325 | SH |  | DFND | 0 | 325 | 0 | 0 |
| ALPHABET INC-CL C | Com | 02079K107 |  | 1496 | 16857 | SH |  | SOLE | 0 | 16857 | 0 | 0 |
| ALPHABET INC-CL A | Com | 02079K305 |  | 3577 | 40543 | SH |  | SOLE | 0 | 40543 | 0 | 0 |
| ALPHABET INC-CL A | Com | 02079K305 |  | 181 | 2050 | SH |  | DFND | 0 | 2050 | 0 | 0 |
| ALTRIA GROUP INC | Com | 02209S103 |  | 238 | 5200 | SH |  | SOLE | 0 | 5200 | 0 | 0 |
| ALTRIA GROUP INC | Com | 02209S103 |  | 235 | 5131 | SH |  | DFND | 0 | 5131 | 0 | 0 |
| AMERIPRISE FINANCIAL INC | Com | 03076C106 |  | 933 | 2997 | SH |  | SOLE | 0 | 2997 | 0 | 0 |
| ANALOG DEVICES INC | Com | 032654105 |  | 223 | 1359 | SH |  | SOLE | 0 | 1359 | 0 | 0 |
| ANALOG DEVICES INC | Com | 032654105 |  | 33 | 204 | SH |  | DFND | 0 | 204 | 0 | 0 |
| ASTRAZENECA PLC ADR | Com | 046353108 |  | 287 | 4228 | SH |  | SOLE | 0 | 4228 | 0 | 0 |
| Bank of America | Pfd Stk | 060505EH3 |  | 240 | 250000 | SH |  | SOLE | 0 | 250000 | 0 | 0 |
| Bank Amer Corp | Pfd Stk | 060505EU4 |  | 99 | 100000 | SH |  | SOLE | 0 | 100000 | 0 | 0 |
| BLACKROCK INC | Com | 09247X101 |  | 1132 | 1597 | SH |  | SOLE | 0 | 1597 | 0 | 0 |
| BLACKROCK INC | Com | 09247X101 |  | 140 | 198 | SH |  | DFND | 0 | 198 | 0 | 0 |
| BLACKSTONE INC | Com | 09260D107 |  | 266 | 3586 | SH |  | SOLE | 0 | 3586 | 0 | 0 |
| BLACKSTONE INC | Com | 09260D107 |  | 108 | 1450 | SH |  | DFND | 0 | 1450 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | Com | 110122108 |  | 816 | 11344 | SH |  | SOLE | 0 | 11344 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | Com | 110122108 |  | 668 | 9288 | SH |  | DFND | 0 | 9288 | 0 | 0 |
| BROADCOM INC | Com | 11135F101 |  | 541 | 968 | SH |  | SOLE | 0 | 968 | 0 | 0 |
| BROADCOM INC | Com | 11135F101 |  | 55 | 99 | SH |  | DFND | 0 | 99 | 0 | 0 |
| CF INDUSTRIES HOLDINGS INC | Com | 125269100 |  | 825 | 9687 | SH |  | SOLE | 0 | 9687 | 0 | 0 |
| CVS HEALTH CORP | Com | 126650100 |  | 2270 | 24364 | SH |  | SOLE | 0 | 24364 | 0 | 0 |
| CVS HEALTH CORP | Com | 126650100 |  | 121 | 1300 | SH |  | DFND | 0 | 1300 | 0 | 0 |
| CAPITAL ONE FINANCIAL CORP | Com | 14040H105 |  | 606 | 6520 | SH |  | SOLE | 0 | 6520 | 0 | 0 |
| CAPITAL ONE FINANCIAL CORP | Com | 14040H105 |  | 9 | 100 | SH |  | DFND | 0 | 100 | 0 | 0 |
| CARLISLE COS INC | Com | 142339100 |  | 1315 | 5579 | SH |  | SOLE | 0 | 0 | 0 | 5579 |
| CARRIER GLOBAL CORPORATION | Com | 14448C104 |  | 546 | 13239 | SH |  | SOLE | 0 | 11567 | 0 | 1672 |
| CARRIER GLOBAL CORPORATION | Com | 14448C104 |  | 36 | 870 | SH |  | DFND | 0 | 870 | 0 | 0 |
| CATERPILLAR INC | Com | 149123101 |  | 782 | 3265 | SH |  | SOLE | 0 | 3265 | 0 | 0 |
| CATERPILLAR INC | Com | 149123101 |  | 108 | 450 | SH |  | DFND | 0 | 450 | 0 | 0 |
| CHEVRON CORP | Com | 166764100 |  | 4454 | 24816 | SH |  | SOLE | 0 | 23073 | 0 | 1743 |
| CHEVRON CORP | Com | 166764100 |  | 309 | 1723 | SH |  | DFND | 0 | 1723 | 0 | 0 |
| CISCO SYSTEMS INC | Com | 17275R102 |  | 1506 | 31605 | SH |  | SOLE | 0 | 31605 | 0 | 0 |
| CISCO SYSTEMS INC | Com | 17275R102 |  | 253 | 5308 | SH |  | DFND | 0 | 5308 | 0 | 0 |
| CITIGROUP INC | Com | 172967424 |  | 534 | 11807 | SH |  | SOLE | 0 | 11807 | 0 | 0 |
| COCA-COLA CO/THE | Com | 191216100 |  | 7234 | 113721 | SH |  | SOLE | 0 | 113721 | 0 | 0 |
| COCA-COLA CO/THE | Com | 191216100 |  | 168 | 2646 | SH |  | DFND | 0 | 2646 | 0 | 0 |
| COGNIZANT TECH SOLUTIONS-A | Com | 192446102 |  | 38 | 670 | SH |  | SOLE | 0 | 670 | 0 | 0 |
| COGNIZANT TECH SOLUTIONS-A | Com | 192446102 |  | 210 | 3680 | SH |  | DFND | 0 | 3680 | 0 | 0 |
| COMCAST CORP-CLASS A | Com | 20030N101 |  | 192 | 5488 | SH |  | SOLE | 0 | 5488 | 0 | 0 |
| COMCAST CORP-CLASS A | Com | 20030N101 |  | 24 | 676 | SH |  | DFND | 0 | 676 | 0 | 0 |
| CONOCOPHILLIPS | Com | 20825C104 |  | 1507 | 12768 | SH |  | SOLE | 0 | 12768 | 0 | 0 |
| CONSOLIDATED EDISON INC | Com | 209115104 |  | 228 | 2395 | SH |  | SOLE | 0 | 2395 | 0 | 0 |
| COSTCO WHOLESALE CORP | Com | 22160K105 |  | 4292 | 9403 | SH |  | SOLE | 0 | 9403 | 0 | 0 |
| COSTCO WHOLESALE CORP | Com | 22160K105 |  | 337 | 738 | SH |  | DFND | 0 | 738 | 0 | 0 |
| CUMMINS INC | Com | 231021106 |  | 414 | 1708 | SH |  | SOLE | 0 | 1708 | 0 | 0 |
| DTE ENERGY COMPANY | Com | 233331107 |  | 498 | 4238 | SH |  | SOLE | 0 | 4238 | 0 | 0 |
| DANAHER CORP | Com | 235851102 |  | 905 | 3411 | SH |  | SOLE | 0 | 3411 | 0 | 0 |
| DANAHER CORP | Com | 235851102 |  | 6 | 22 | SH |  | DFND | 0 | 22 | 0 | 0 |
| DEERE  CO | Com | 244199105 |  | 1534 | 3578 | SH |  | SOLE | 0 | 3578 | 0 | 0 |
| DEERE  CO | Com | 244199105 |  | 279 | 650 | SH |  | DFND | 0 | 650 | 0 | 0 |
| WALT DISNEY CO/THE | Com | 254687106 |  | 1578 | 18167 | SH |  | SOLE | 0 | 18167 | 0 | 0 |
| WALT DISNEY CO/THE | Com | 254687106 |  | 20 | 235 | SH |  | DFND | 0 | 235 | 0 | 0 |
| DOW INC COM | Com | 260557103 |  | 192 | 3818 | SH |  | SOLE | 0 | 3818 | 0 | 0 |
| DOW INC COM | Com | 260557103 |  | 9 | 180 | SH |  | DFND | 0 | 180 | 0 | 0 |
| DUKE ENERGY CORP | Com | 26441C204 |  | 233 | 2263 | SH |  | SOLE | 0 | 2263 | 0 | 0 |
| DUKE ENERGY CORP | Com | 26441C204 |  | 19 | 180 | SH |  | DFND | 0 | 180 | 0 | 0 |
| EOG RESOURCES INC | Com | 26875P101 |  | 223 | 1725 | SH |  | SOLE | 0 | 1725 | 0 | 0 |
| ETFMG PRIME CYBER SECURITY ETF | Com | 26924G201 |  | 335 | 7600 | SH |  | SOLE | 0 | 7600 | 0 | 0 |
| ETFMG PRIME CYBER SECURITY ETF | Com | 26924G201 |  | 63 | 1430 | SH |  | DFND | 0 | 1430 | 0 | 0 |
| ECOLAB INC | Com | 278865100 |  | 1024 | 7037 | SH |  | SOLE | 0 | 7037 | 0 | 0 |
| EMERSON ELECTRIC CO | Com | 291011104 |  | 901 | 9384 | SH |  | SOLE | 0 | 9384 | 0 | 0 |
| EMERSON ELECTRIC CO | Com | 291011104 |  | 347 | 3617 | SH |  | DFND | 0 | 3617 | 0 | 0 |
| ENBRIDGE INC | Com | 29250N105 |  | 1427 | 36496 | SH |  | SOLE | 0 | 36496 | 0 | 0 |
| ENBRIDGE INC | Com | 29250N105 |  | 275 | 7042 | SH |  | DFND | 0 | 7042 | 0 | 0 |
| EXXON MOBIL CORP | Com | 30231G102 |  | 1789 | 16218 | SH |  | SOLE | 0 | 14431 | 0 | 1787 |
| EXXON MOBIL CORP | Com | 30231G102 |  | 1559 | 14138 | SH |  | DFND | 0 | 14138 | 0 | 0 |
| META PLATFORMS INC | Com | 30303M102 |  | 486 | 4039 | SH |  | SOLE | 0 | 4039 | 0 | 0 |
| FEDEX CORP | Com | 31428X106 |  | 423 | 2440 | SH |  | SOLE | 0 | 2440 | 0 | 0 |
| FEDEX CORP | Com | 31428X106 |  | 399 | 2305 | SH |  | DFND | 0 | 2305 | 0 | 0 |
| FISERV INC | Com | 337738108 |  | 1108 | 10960 | SH |  | SOLE | 0 | 10960 | 0 | 0 |
| FORD MOTOR CO | Com | 345370860 |  | 298 | 25600 | SH |  | SOLE | 0 | 25600 | 0 | 0 |
| FORD MOTOR CO | Com | 345370860 |  | 1 | 101 | SH |  | DFND | 0 | 101 | 0 | 0 |
| FRANKLIN CALIF TAX FREE INCOME | Com | 352518104 |  | 808 | 120132 | SH |  | SOLE | 0 | 120132 | 0 | 0 |
| GENERAL DYNAMICS CORP | Com | 369550108 |  | 370 | 1493 | SH |  | SOLE | 0 | 1493 | 0 | 0 |
| GENERAL MILLS INC | Com | 370334104 |  | 605 | 7211 | SH |  | SOLE | 0 | 7211 | 0 | 0 |
| GENERAL MILLS INC | Com | 370334104 |  | 94 | 1120 | SH |  | DFND | 0 | 1120 | 0 | 0 |
| GILEAD SCIENCES INC | Com | 375558103 |  | 458 | 5334 | SH |  | SOLE | 0 | 5334 | 0 | 0 |
| GILEAD SCIENCES INC | Com | 375558103 |  | 36 | 415 | SH |  | DFND | 0 | 415 | 0 | 0 |
| GLOBAL X S 500 CATHOLIC VALUES ETF | Com | 37954Y889 |  | 260 | 5580 | SH |  | SOLE | 0 | 5580 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | Com | 38141G104 |  | 830 | 2418 | SH |  | SOLE | 0 | 2418 | 0 | 0 |
| GOLDMAN SACHS GROUP INC | Com | 38141G104 |  | 55 | 160 | SH |  | DFND | 0 | 160 | 0 | 0 |
| GOLDMAN ACTIVEBETA US LC ETF | Com | 381430503 |  | 713 | 9360 | SH |  | SOLE | 0 | 9360 | 0 | 0 |
| WW GRAINGER INC | Com | 384802104 |  | 8 | 15 | SH |  | SOLE | 0 | 15 | 0 | 0 |
| WW GRAINGER INC | Com | 384802104 |  | 986 | 1772 | SH |  | DFND | 0 | 1772 | 0 | 0 |
| HP INC | Com | 40434L105 |  | 592 | 22021 | SH |  | SOLE | 0 | 22021 | 0 | 0 |
| HP INC | Com | 40434L105 |  | 14 | 532 | SH |  | DFND | 0 | 532 | 0 | 0 |
| HOME DEPOT INC | Com | 437076102 |  | 985 | 3119 | SH |  | SOLE | 0 | 3119 | 0 | 0 |
| HOME DEPOT INC | Com | 437076102 |  | 608 | 1926 | SH |  | DFND | 0 | 1926 | 0 | 0 |
| HONEYWELL INTERNATIONAL INC | Com | 438516106 |  | 1139 | 5313 | SH |  | SOLE | 0 | 5313 | 0 | 0 |
| HONEYWELL INTERNATIONAL INC | Com | 438516106 |  | 199 | 929 | SH |  | DFND | 0 | 929 | 0 | 0 |
| ILLINOIS TOOL WORKS | Com | 452308109 |  | 1013 | 4599 | SH |  | SOLE | 0 | 4599 | 0 | 0 |
| ILLINOIS TOOL WORKS | Com | 452308109 |  | 15 | 70 | SH |  | DFND | 0 | 70 | 0 | 0 |
| INTEL CORP | Com | 458140100 |  | 571 | 21613 | SH |  | SOLE | 0 | 21613 | 0 | 0 |
| INTEL CORP | Com | 458140100 |  | 247 | 9330 | SH |  | DFND | 0 | 9330 | 0 | 0 |
| INTL BUSINESS MACHINES CORP | Com | 459200101 |  | 1186 | 8415 | SH |  | SOLE | 0 | 8015 | 0 | 400 |
| INTL BUSINESS MACHINES CORP | Com | 459200101 |  | 352 | 2500 | SH |  | DFND | 0 | 2500 | 0 | 0 |
| INVESCO QQQ TRUST | Com | 46090E103 |  | 3446 | 12940 | SH |  | SOLE | 0 | 12940 | 0 | 0 |
| INVESCO QQQ TRUST | Com | 46090E103 |  | 83 | 312 | SH |  | DFND | 0 | 312 | 0 | 0 |
| INVESCO S SMALLCAP HEALTH CARE ETF | Com | 46138E149 |  | 1025 | 7763 | SH |  | SOLE | 0 | 7763 | 0 | 0 |
| INVESCO S SMALLCAP HEALTH CARE ETF | Com | 46138E149 |  | 90 | 684 | SH |  | DFND | 0 | 684 | 0 | 0 |
| INVITATION HOMES INC | Com | 46187W107 |  | 307 | 10354 | SH |  | SOLE | 0 | 10354 | 0 | 0 |
| INVITATION HOMES INC | Com | 46187W107 |  | 77 | 2600 | SH |  | DFND | 0 | 2600 | 0 | 0 |
| ISHARES GOLD TRUST ISHARES | Com | 464285204 |  | 693 | 20042 | SH |  | SOLE | 0 | 20042 | 0 | 0 |
| ISHARES GOLD TRUST ISHARES | Com | 464285204 |  | 66 | 1921 | SH |  | DFND | 0 | 1921 | 0 | 0 |
| ISHARES CORE S US STOCK MARKET ETF | Com | 464287150 |  | 2147 | 25323 | SH |  | SOLE | 0 | 25323 | 0 | 0 |
| ISHARES CORE S US STOCK MARKET ETF | Com | 464287150 |  | 549 | 6471 | SH |  | DFND | 0 | 6471 | 0 | 0 |
| ISHARES DJ SELECT DIVIDEND ETF | Com | 464287168 |  | 2833 | 23492 | SH |  | SOLE | 0 | 23492 | 0 | 0 |
| ISHARES DJ SELECT DIVIDEND ETF | Com | 464287168 |  | 74 | 610 | SH |  | DFND | 0 | 610 | 0 | 0 |
| ISHARES CORE S 500 ETF | Com | 464287200 |  | 7412 | 19292 | SH |  | SOLE | 0 | 19292 | 0 | 0 |
| ISHARES CORE S 500 ETF | Com | 464287200 |  | 477 | 1242 | SH |  | DFND | 0 | 1242 | 0 | 0 |
| ISHARES S GLOBAL TECHNOLOGY SECTOR | Com | 464287291 |  | 1521 | 33927 | SH |  | SOLE | 0 | 33927 | 0 | 0 |
| ISHARES S 500 GROWTH ETF | Com | 464287309 |  | 1553 | 26554 | SH |  | SOLE | 0 | 26554 | 0 | 0 |
| ISHARES S 500 VALUE ETF | Com | 464287408 |  | 1161 | 8000 | SH |  | SOLE | 0 | 8000 | 0 | 0 |
| ISHARES MSCI EAFE ETF | Com | 464287465 |  | 2191 | 33377 | SH |  | SOLE | 0 | 33377 | 0 | 0 |
| ISHARES RUSSELL MIDCAP VALUE ETF | Com | 464287473 |  | 175 | 1657 | SH |  | SOLE | 0 | 1657 | 0 | 0 |
| ISHARES RUSSELL MIDCAP VALUE ETF | Com | 464287473 |  | 95 | 900 | SH |  | DFND | 0 | 900 | 0 | 0 |
| ISHARES RUSSELL MIDCAP ETF | Com | 464287499 |  | 1659 | 24598 | SH |  | SOLE | 0 | 24598 | 0 | 0 |
| ISHARES RUSSELL MIDCAP ETF | Com | 464287499 |  | 121 | 1790 | SH |  | DFND | 0 | 1790 | 0 | 0 |
| ISHARES CORE S MID-CAP ETF | Com | 464287507 |  | 9709 | 40138 | SH |  | SOLE | 0 | 40138 | 0 | 0 |
| ISHARES CORE S MID-CAP ETF | Com | 464287507 |  | 400 | 1652 | SH |  | DFND | 0 | 1652 | 0 | 0 |
| ISHARES RUSSELL 1000 VALUE ETF | Com | 464287598 |  | 10179 | 67124 | SH |  | SOLE | 0 | 67124 | 0 | 0 |
| ISHARES RUSSELL 1000 VALUE ETF | Com | 464287598 |  | 327 | 2154 | SH |  | DFND | 0 | 2154 | 0 | 0 |
| ISHARES S MIDCAP 400/GRWTH ETF | Com | 464287606 |  | 424 | 6204 | SH |  | SOLE | 0 | 6204 | 0 | 0 |
| ISHARES S MIDCAP 400/GRWTH ETF | Com | 464287606 |  | 208 | 3052 | SH |  | DFND | 0 | 3052 | 0 | 0 |
| ISHARES RUSSELL 1000 GROWTH ETF | Com | 464287614 |  | 18390 | 85836 | SH |  | SOLE | 0 | 85836 | 0 | 0 |
| ISHARES RUSSELL 1000 GROWTH ETF | Com | 464287614 |  | 1146 | 5351 | SH |  | DFND | 0 | 5351 | 0 | 0 |
| ISHARES RUSSELL 1000 ETF | Com | 464287622 |  | 1178 | 5594 | SH |  | SOLE | 0 | 5594 | 0 | 0 |
| ISHARES RUSSELL 2000 VALUE ETF | Com | 464287630 |  | 185 | 1334 | SH |  | SOLE | 0 | 1334 | 0 | 0 |
| ISHARES RUSSELL 2000 VALUE ETF | Com | 464287630 |  | 67 | 483 | SH |  | DFND | 0 | 483 | 0 | 0 |
| ISHARES RUSSELL 2000 GROWTH ETF | Com | 464287648 |  | 3484 | 16239 | SH |  | SOLE | 0 | 16239 | 0 | 0 |
| ISHARES RUSSELL 2000 GROWTH ETF | Com | 464287648 |  | 64 | 300 | SH |  | DFND | 0 | 300 | 0 | 0 |
| ISHARES RUSSELL 2000 ETF | Com | 464287655 |  | 1370 | 7858 | SH |  | SOLE | 0 | 7858 | 0 | 0 |
| ISHARES RUSSELL 2000 ETF | Com | 464287655 |  | 237 | 1359 | SH |  | DFND | 0 | 1359 | 0 | 0 |
| ISHARES S MIDCAP 400/VALUE ETF | Com | 464287705 |  | 401 | 3976 | SH |  | SOLE | 0 | 3976 | 0 | 0 |
| ISHARES S MIDCAP 400/VALUE ETF | Com | 464287705 |  | 194 | 1920 | SH |  | DFND | 0 | 1920 | 0 | 0 |
| ISHARES DJ US TECHNOLOGY SEC ETF | Com | 464287721 |  | 2477 | 33249 | SH |  | SOLE | 0 | 33249 | 0 | 0 |
| ISHARES DJ US TECHNOLOGY SEC ETF | Com | 464287721 |  | 165 | 2220 | SH |  | DFND | 0 | 2220 | 0 | 0 |
| ISHARES DOW JONES US ENERGY SECTOR FUND | Com | 464287796 |  | 792 | 17029 | SH |  | SOLE | 0 | 17029 | 0 | 0 |
| ISHARES CORE S SMALL-CAP ETF | Com | 464287804 |  | 6508 | 68761 | SH |  | SOLE | 0 | 68761 | 0 | 0 |
| ISHARES CORE S SMALL-CAP ETF | Com | 464287804 |  | 219 | 2318 | SH |  | DFND | 0 | 2318 | 0 | 0 |
| ISHARES S SMALLCAP 600/VAL ETF | Com | 464287879 |  | 146 | 1600 | SH |  | SOLE | 0 | 1600 | 0 | 0 |
| ISHARES S SMALLCAP 600/VAL ETF | Com | 464287879 |  | 183 | 2000 | SH |  | DFND | 0 | 2000 | 0 | 0 |
| ISHARES S SMALLCAP/600 GROWTH ETF | Com | 464287887 |  | 405 | 3749 | SH |  | SOLE | 0 | 3749 | 0 | 0 |
| ISHARES S SMALLCAP/600 GROWTH ETF | Com | 464287887 |  | 230 | 2124 | SH |  | DFND | 0 | 2124 | 0 | 0 |
| ISHARES TR AGENCY BOND ETF | Com | 464288166 |  | 302 | 2838 | SH |  | SOLE | 0 | 2838 | 0 | 0 |
| ISHARES TR GL CLEAN ENERGY ETF | Com | 464288224 |  | 1238 | 62349 | SH |  | SOLE | 0 | 62349 | 0 | 0 |
| ISHARES MSCI ACWI ETF | Com | 464288257 |  | 944 | 11118 | SH |  | SOLE | 0 | 11118 | 0 | 0 |
| ISHARES JPMORGAN USD EMERGING MKTS BOND ETF | Com | 464288281 |  | 429 | 5067 | SH |  | SOLE | 0 | 5067 | 0 | 0 |
| ISHARES JPMORGAN USD EMERGING MKTS BOND ETF | Com | 464288281 |  | 120 | 1421 | SH |  | DFND | 0 | 1421 | 0 | 0 |
| ISHARES S GLOBAL INFRASTRUCTURE INDEX FUND | Com | 464288372 |  | 393 | 8576 | SH |  | SOLE | 0 | 8576 | 0 | 0 |
| ISHARES S GLOBAL INFRASTRUCTURE INDEX FUND | Com | 464288372 |  | 34 | 731 | SH |  | DFND | 0 | 731 | 0 | 0 |
| ISHARES SHORT-TERM CORPORATE BOND ETF | Com | 464288646 |  | 519 | 10427 | SH |  | SOLE | 0 | 10427 | 0 | 0 |
| ISHARES BARCLAYS SHORT TREASURY BOND FUND | Com | 464288679 |  | 1554 | 14135 | SH |  | SOLE | 0 | 14135 | 0 | 0 |
| ISHARES BARCLAYS SHORT TREASURY BOND FUND | Com | 464288679 |  | 44 | 400 | SH |  | DFND | 0 | 400 | 0 | 0 |
| ISHARES S PREF STK ETF | Com | 464288687 |  | 2136 | 69978 | SH |  | SOLE | 0 | 69978 | 0 | 0 |
| ISHARES S PREF STK ETF | Com | 464288687 |  | 176 | 5766 | SH |  | DFND | 0 | 5766 | 0 | 0 |
| ISHARES DJ US MEDICAL DEVICE ETF | Com | 464288810 |  | 2085 | 39662 | SH |  | SOLE | 0 | 39662 | 0 | 0 |
| ISHARES DJ US MEDICAL DEVICE ETF | Com | 464288810 |  | 79 | 1500 | SH |  | DFND | 0 | 1500 | 0 | 0 |
| ISHARES TR MSCI EAFE VALUE ETF | Com | 464288877 |  | 882 | 19222 | SH |  | SOLE | 0 | 19222 | 0 | 0 |
| ISHARES TR EAFE GROWTH ETF | Com | 464288885 |  | 239 | 2852 | SH |  | SOLE | 0 | 2852 | 0 | 0 |
| ISHARES TR EAFE GROWTH ETF | Com | 464288885 |  | 126 | 1500 | SH |  | DFND | 0 | 1500 | 0 | 0 |
| ISHARES CORE US TREASURY BOND ETF | Com | 46429B267 |  | 6054 | 266449 | SH |  | SOLE | 0 | 266449 | 0 | 0 |
| ISHARES CORE US TREASURY BOND ETF | Com | 46429B267 |  | 941 | 41413 | SH |  | DFND | 0 | 41413 | 0 | 0 |
| ISHARES CORE HIGH DIVIDEND ETF | Com | 46429B663 |  | 246 | 2364 | SH |  | SOLE | 0 | 2364 | 0 | 0 |
| ISHARES CORE HIGH DIVIDEND ETF | Com | 46429B663 |  | 99 | 950 | SH |  | DFND | 0 | 950 | 0 | 0 |
| ISHARES TR MIN VOL USA ETF | Com | 46429B697 |  | 7197 | 99817 | SH |  | SOLE | 0 | 99817 | 0 | 0 |
| ISHARES TR MIN VOL USA ETF | Com | 46429B697 |  | 668 | 9260 | SH |  | DFND | 0 | 9260 | 0 | 0 |
| ISHARES TR 0-5 YR TIPS ETF | Com | 46429B747 |  | 1181 | 12177 | SH |  | SOLE | 0 | 12177 | 0 | 0 |
| ISHARES TR 0-5 YR TIPS ETF | Com | 46429B747 |  | 45 | 461 | SH |  | DFND | 0 | 461 | 0 | 0 |
| ISHARES SHORT MATURITY BOND ETF | Com | 46431W507 |  | 6322 | 128322 | SH |  | SOLE | 0 | 128322 | 0 | 0 |
| ISHARES SHORT MATURITY BOND ETF | Com | 46431W507 |  | 842 | 17099 | SH |  | DFND | 0 | 17099 | 0 | 0 |
| ISHARES EDGE MSCI USA QUALITY | Com | 46432F339 |  | 6400 | 56159 | SH |  | SOLE | 0 | 56159 | 0 | 0 |
| ISHARES EDGE MSCI USA QUALITY | Com | 46432F339 |  | 146 | 1285 | SH |  | DFND | 0 | 1285 | 0 | 0 |
| ISHARES EDGE MSCI USA VALUE FACTOR ETF | Com | 46432F388 |  | 2086 | 22891 | SH |  | SOLE | 0 | 22891 | 0 | 0 |
| ISHARES EDGE MSCI USA VALUE FACTOR ETF | Com | 46432F388 |  | 76 | 830 | SH |  | DFND | 0 | 830 | 0 | 0 |
| ISHARES CORE MSCI EAFE ETF | Com | 46432F842 |  | 4919 | 79799 | SH |  | SOLE | 0 | 79799 | 0 | 0 |
| ISHARES CORE MSCI EAFE ETF | Com | 46432F842 |  | 1399 | 22704 | SH |  | DFND | 0 | 22704 | 0 | 0 |
| ISHARES CORE MSCI EMERGING MARKETS ETF | Com | 46434G103 |  | 856 | 18325 | SH |  | SOLE | 0 | 18325 | 0 | 0 |
| ISHARES CORE MSCI EMERGING MARKETS ETF | Com | 46434G103 |  | 196 | 4200 | SH |  | DFND | 0 | 4200 | 0 | 0 |
| ISHARES MSCI EMERGING MARKETS EX CHINA ETF | Com | 46434G764 |  | 2378 | 50090 | SH |  | SOLE | 0 | 50090 | 0 | 0 |
| ISHARES MSCI EMERGING MARKETS EX CHINA ETF | Com | 46434G764 |  | 141 | 2975 | SH |  | DFND | 0 | 2975 | 0 | 0 |
| ISHARES MSCI EM ESG OPTIMIZED | Com | 46434G863 |  | 917 | 30495 | SH |  | SOLE | 0 | 30495 | 0 | 0 |
| ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF | Com | 46434V407 |  | 2242 | 54833 | SH |  | SOLE | 0 | 54833 | 0 | 0 |
| ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF | Com | 46434V407 |  | 350 | 8566 | SH |  | DFND | 0 | 8566 | 0 | 0 |
| ISHARES CORE TOTAL USD BOND MARKET ETF | Com | 46434V613 |  | 1450 | 32262 | SH |  | SOLE | 0 | 32262 | 0 | 0 |
| ISHARES CORE TOTAL USD BOND MARKET ETF | Com | 46434V613 |  | 5 | 113 | SH |  | DFND | 0 | 113 | 0 | 0 |
| ISHARES TREASURY FLOATING RATE BOND ETF | Com | 46434V860 |  | 740 | 14670 | SH |  | SOLE | 0 | 14670 | 0 | 0 |
| ISHARES MSCI USA ESG OPTIMIZED ETF | Com | 46435G425 |  | 4560 | 53800 | SH |  | SOLE | 0 | 53800 | 0 | 0 |
| ISHARES MSCI USA ESG OPTIMIZED ETF | Com | 46435G425 |  | 59 | 700 | SH |  | DFND | 0 | 700 | 0 | 0 |
| ISHARES FALLEN ANGELS USD BOND ETF | Com | 46435G474 |  | 928 | 37695 | SH |  | SOLE | 0 | 37695 | 0 | 0 |
| ISHARES FALLEN ANGELS USD BOND ETF | Com | 46435G474 |  | 39 | 1600 | SH |  | DFND | 0 | 1600 | 0 | 0 |
| ISHARES MSCI EAFE ESG SELECT ETF | Com | 46435G516 |  | 1116 | 16983 | SH |  | SOLE | 0 | 16983 | 0 | 0 |
| ISHARES MSCI USA SMALL-CAP ESG OPTIMIZED ETF | Com | 46435U663 |  | 533 | 16216 | SH |  | SOLE | 0 | 16216 | 0 | 0 |
| JPMORGAN CHASE  CO | Com | 46625H100 |  | 3171 | 23643 | SH |  | SOLE | 0 | 23643 | 0 | 0 |
| JPMORGAN CHASE  CO | Com | 46625H100 |  | 732 | 5461 | SH |  | DFND | 0 | 5461 | 0 | 0 |
| JPMorgan Chase  Co | Pfd Stk | 46625HJQ4 |  | 249 | 250000 | SH |  | SOLE | 0 | 250000 | 0 | 0 |
| JPMORGAN ULTRA-SHORT INCOME ETF | Com | 46641Q837 |  | 2759 | 55030 | SH |  | SOLE | 0 | 55030 | 0 | 0 |
| JPMORGAN ULTRA-SHORT INCOME ETF | Com | 46641Q837 |  | 12 | 230 | SH |  | DFND | 0 | 230 | 0 | 0 |
| JOHNSON  JOHNSON | Com | 478160104 |  | 2386 | 13508 | SH |  | SOLE | 0 | 13508 | 0 | 0 |
| JOHNSON  JOHNSON | Com | 478160104 |  | 1590 | 9002 | SH |  | DFND | 0 | 9002 | 0 | 0 |
| KLA-TENCOR CORP | Com | 482480100 |  | 225 | 598 | SH |  | SOLE | 0 | 598 | 0 | 0 |
| KIMBERLY-CLARK CORP | Com | 494368103 |  | 746 | 5499 | SH |  | SOLE | 0 | 5499 | 0 | 0 |
| KIMBERLY-CLARK CORP | Com | 494368103 |  | 28 | 204 | SH |  | DFND | 0 | 204 | 0 | 0 |
| LKQ CORPORATION | Com | 501889208 |  | 737 | 13805 | SH |  | SOLE | 0 | 13805 | 0 | 0 |
| ELI LILLY  CO | Com | 532457108 |  | 3640 | 9950 | SH |  | SOLE | 0 | 9950 | 0 | 0 |
| ELI LILLY  CO | Com | 532457108 |  | 479 | 1308 | SH |  | DFND | 0 | 1308 | 0 | 0 |
| LOCKHEED MARTIN CORP | Com | 539830109 |  | 348 | 715 | SH |  | SOLE | 0 | 715 | 0 | 0 |
| LOCKHEED MARTIN CORP | Com | 539830109 |  | 45 | 92 | SH |  | DFND | 0 | 92 | 0 | 0 |
| LOWE'S COS INC | Com | 548661107 |  | 911 | 4570 | SH |  | SOLE | 0 | 4570 | 0 | 0 |
| LOWE'S COS INC | Com | 548661107 |  | 32 | 160 | SH |  | DFND | 0 | 160 | 0 | 0 |
| MASTERCARD INC-CLASS A | Com | 57636Q104 |  | 1157 | 3328 | SH |  | SOLE | 0 | 3328 | 0 | 0 |
| MCDONALD'S CORP | Com | 580135101 |  | 1400 | 5311 | SH |  | SOLE | 0 | 5311 | 0 | 0 |
| MCDONALD'S CORP | Com | 580135101 |  | 238 | 902 | SH |  | DFND | 0 | 902 | 0 | 0 |
| MCKESSON CORP | Com | 58155Q103 |  | 1198 | 3194 | SH |  | SOLE | 0 | 3194 | 0 | 0 |
| MERCK  CO. INC. | Com | 58933Y105 |  | 1090 | 9821 | SH |  | SOLE | 0 | 9821 | 0 | 0 |
| MERCK  CO. INC. | Com | 58933Y105 |  | 1089 | 9818 | SH |  | DFND | 0 | 9818 | 0 | 0 |
| MICROSOFT CORP | Com | 594918104 |  | 8212 | 34244 | SH |  | SOLE | 0 | 34244 | 0 | 0 |
| MICROSOFT CORP | Com | 594918104 |  | 3439 | 14338 | SH |  | DFND | 0 | 14338 | 0 | 0 |
| MICRON TECHNOLOGY INC | Com | 595112103 |  | 323 | 6465 | SH |  | SOLE | 0 | 6465 | 0 | 0 |
| MONDELEZ INTERNATIONAL INC-A | Com | 609207105 |  | 326 | 4891 | SH |  | SOLE | 0 | 4891 | 0 | 0 |
| MONDELEZ INTERNATIONAL INC-A | Com | 609207105 |  | 292 | 4386 | SH |  | DFND | 0 | 4386 | 0 | 0 |
| MOTOROLA SOLUTIONS INC | Com | 620076307 |  | 259 | 1004 | SH |  | SOLE | 0 | 1004 | 0 | 0 |
| MOTOROLA SOLUTIONS INC | Com | 620076307 |  | 42 | 162 | SH |  | DFND | 0 | 162 | 0 | 0 |
| NEXTERA ENERGY INC | Com | 65339F101 |  | 1677 | 20064 | SH |  | SOLE | 0 | 20064 | 0 | 0 |
| NEXTERA ENERGY INC | Com | 65339F101 |  | 209 | 2500 | SH |  | DFND | 0 | 2500 | 0 | 0 |
| NIKE INC -CL B | Com | 654106103 |  | 1582 | 13516 | SH |  | SOLE | 0 | 13516 | 0 | 0 |
| NORFOLK SOUTHERN CORP | Com | 655844108 |  | 186 | 755 | SH |  | SOLE | 0 | 755 | 0 | 0 |
| NORFOLK SOUTHERN CORP | Com | 655844108 |  | 76 | 310 | SH |  | DFND | 0 | 310 | 0 | 0 |
| NOVARTIS AG-SPONSORED ADR | Com | 66987V109 |  | 387 | 4263 | SH |  | SOLE | 0 | 4263 | 0 | 0 |
| NVIDIA CORP | Com | 67066G104 |  | 4364 | 29862 | SH |  | SOLE | 0 | 29862 | 0 | 0 |
| NVIDIA CORP | Com | 67066G104 |  | 323 | 2209 | SH |  | DFND | 0 | 2209 | 0 | 0 |
| ORACLE CORP | Com | 68389X105 |  | 538 | 6577 | SH |  | SOLE | 0 | 6577 | 0 | 0 |
| ORACLE CORP | Com | 68389X105 |  | 251 | 3070 | SH |  | DFND | 0 | 3070 | 0 | 0 |
| PNC FINANCIAL SERVICES GROUP | Com | 693475105 |  | 186 | 1175 | SH |  | SOLE | 0 | 1175 | 0 | 0 |
| PNC FINANCIAL SERVICES GROUP | Com | 693475105 |  | 74 | 470 | SH |  | DFND | 0 | 470 | 0 | 0 |
| PALO ALTO NETWORKS INC | Com | 697435105 |  | 852 | 6103 | SH |  | SOLE | 0 | 6103 | 0 | 0 |
| PEPSICO INC | Com | 713448108 |  | 969 | 5362 | SH |  | SOLE | 0 | 5362 | 0 | 0 |
| PEPSICO INC | Com | 713448108 |  | 1291 | 7146 | SH |  | DFND | 0 | 7146 | 0 | 0 |
| PFIZER INC | Com | 717081103 |  | 2498 | 48758 | SH |  | SOLE | 0 | 48758 | 0 | 0 |
| PFIZER INC | Com | 717081103 |  | 398 | 7775 | SH |  | DFND | 0 | 7775 | 0 | 0 |
| PHILIP MORRIS INTERNATIONAL | Com | 718172109 |  | 314 | 3102 | SH |  | SOLE | 0 | 3102 | 0 | 0 |
| PHILIP MORRIS INTERNATIONAL | Com | 718172109 |  | 467 | 4613 | SH |  | DFND | 0 | 4613 | 0 | 0 |
| PHILLIPS 66 | Com | 718546104 |  | 377 | 3622 | SH |  | SOLE | 0 | 3622 | 0 | 0 |
| PHILLIPS 66 | Com | 718546104 |  | 15 | 148 | SH |  | DFND | 0 | 148 | 0 | 0 |
| PIONEER NATURAL RESOURCES | Com | 723787107 |  | 669 | 2928 | SH |  | SOLE | 0 | 2928 | 0 | 0 |
| PROCTER  GAMBLE CO/THE | Com | 742718109 |  | 2545 | 16790 | SH |  | SOLE | 0 | 16790 | 0 | 0 |
| PROCTER  GAMBLE CO/THE | Com | 742718109 |  | 621 | 4095 | SH |  | DFND | 0 | 4095 | 0 | 0 |
| PROLOGIS INC | Com | 74340W103 |  | 751 | 6658 | SH |  | SOLE | 0 | 6658 | 0 | 0 |
| PROLOGIS INC | Com | 74340W103 |  | 103 | 910 | SH |  | DFND | 0 | 910 | 0 | 0 |
| PUBLIC SERVICE ENTERPRISE GP | Com | 744573106 |  | 638 | 10418 | SH |  | SOLE | 0 | 10418 | 0 | 0 |
| PUBLIC SERVICE ENTERPRISE GP | Com | 744573106 |  | 38 | 616 | SH |  | DFND | 0 | 616 | 0 | 0 |
| PUBLIC STORAGE | Com | 74460D109 |  | 171 | 612 | SH |  | SOLE | 0 | 612 | 0 | 0 |
| PUBLIC STORAGE | Com | 74460D109 |  | 64 | 230 | SH |  | DFND | 0 | 230 | 0 | 0 |
| QUALCOMM INC | Com | 747525103 |  | 590 | 5370 | SH |  | SOLE | 0 | 5370 | 0 | 0 |
| QUALCOMM INC | Com | 747525103 |  | 71 | 642 | SH |  | DFND | 0 | 642 | 0 | 0 |
| QUEST DIAGNOSTICS INC | Com | 74834L100 |  | 247 | 1576 | SH |  | SOLE | 0 | 1576 | 0 | 0 |
| ROPER TECHNOLOGIES INC | Com | 776696106 |  | 546 | 1263 | SH |  | SOLE | 0 | 1263 | 0 | 0 |
| ROYCE PENNSYLVANIA MUTUAL FUND | Com | 780905840 |  | 115 | 15158 | SH |  | SOLE | 0 | 15158 | 0 | 0 |
| SPDR S 500 ETF TRUST | Com | 78462F103 |  | 6516 | 17038 | SH |  | SOLE | 0 | 17038 | 0 | 0 |
| SPDR S 500 ETF TRUST | Com | 78462F103 |  | 466 | 1218 | SH |  | DFND | 0 | 1218 | 0 | 0 |
| SPDR GOLD TRUST | Com | 78463V107 |  | 1063 | 6267 | SH |  | SOLE | 0 | 6267 | 0 | 0 |
| SPDR S NORTH AMERICAN NATURAL RESOURCES ETF | Com | 78463X152 |  | 360 | 6645 | SH |  | SOLE | 0 | 6645 | 0 | 0 |
| SPDR S NORTH AMERICAN NATURAL RESOURCES ETF | Com | 78463X152 |  | 28 | 522 | SH |  | DFND | 0 | 522 | 0 | 0 |
| SPDR MSCI ACWI EX-US | Com | 78463X848 |  | 4971 | 206622 | SH |  | SOLE | 0 | 206622 | 0 | 0 |
| SPDR MSCI ACWI EX-US | Com | 78463X848 |  | 110 | 4566 | SH |  | DFND | 0 | 4566 | 0 | 0 |
| SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF | Com | 78464A359 |  | 1767 | 27469 | SH |  | SOLE | 0 | 27469 | 0 | 0 |
| SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF | Com | 78464A359 |  | 182 | 2825 | SH |  | DFND | 0 | 2825 | 0 | 0 |
| KBW BANK ETF | Com | 78464A797 |  | 359 | 7950 | SH |  | SOLE | 0 | 7950 | 0 | 0 |
| KBW BANK ETF | Com | 78464A797 |  | 24 | 540 | SH |  | DFND | 0 | 540 | 0 | 0 |
| SPDR S BIOTECH ETF | Com | 78464A870 |  | 324 | 3900 | SH |  | SOLE | 0 | 3900 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TRUST | Com | 78467Y107 |  | 1043 | 2356 | SH |  | SOLE | 0 | 2356 | 0 | 0 |
| SVB FINANCIAL GROUP | Com | 78486Q101 |  | 418 | 1816 | SH |  | SOLE | 0 | 1816 | 0 | 0 |
| SCHWAB (CHARLES) CORP | Com | 808513105 |  | 1680 | 20179 | SH |  | SOLE | 0 | 20179 | 0 | 0 |
| MATERIALS SELECT SPDR FUND | Com | 81369Y100 |  | 1228 | 15803 | SH |  | SOLE | 0 | 15803 | 0 | 0 |
| MATERIALS SELECT SPDR FUND | Com | 81369Y100 |  | 101 | 1300 | SH |  | DFND | 0 | 1300 | 0 | 0 |
| HEALTH CARE SELECT SECTOR SPDR | Com | 81369Y209 |  | 2906 | 21388 | SH |  | SOLE | 0 | 21388 | 0 | 0 |
| HEALTH CARE SELECT SECTOR SPDR | Com | 81369Y209 |  | 88 | 650 | SH |  | DFND | 0 | 650 | 0 | 0 |
| CONSUMER STAPLES SELECT SECTOR SPDR | Com | 81369Y308 |  | 1003 | 13458 | SH |  | SOLE | 0 | 13458 | 0 | 0 |
| CONSUMER DISCRETIONARY SELT | Com | 81369Y407 |  | 1177 | 9113 | SH |  | SOLE | 0 | 9113 | 0 | 0 |
| ENERGY SELECT SECTOR SPDR | Com | 81369Y506 |  | 783 | 8954 | SH |  | SOLE | 0 | 8954 | 0 | 0 |
| ENERGY SELECT SECTOR SPDR | Com | 81369Y506 |  | 164 | 1878 | SH |  | DFND | 0 | 1878 | 0 | 0 |
| FINANCIAL SELECT SECTOR SPDR | Com | 81369Y605 |  | 1600 | 46783 | SH |  | SOLE | 0 | 46783 | 0 | 0 |
| INDUSTRIAL SELECT SECTOR SPDR ETF | Com | 81369Y704 |  | 279 | 2845 | SH |  | SOLE | 0 | 2845 | 0 | 0 |
| TECHNOLOGY SELECT SECT SPDR | Com | 81369Y803 |  | 352 | 2828 | SH |  | SOLE | 0 | 2828 | 0 | 0 |
| UTILITIES SELECT SECTOR SPDR | Com | 81369Y886 |  | 1966 | 27893 | SH |  | SOLE | 0 | 27893 | 0 | 0 |
| UTILITIES SELECT SECTOR SPDR | Com | 81369Y886 |  | 348 | 4936 | SH |  | DFND | 0 | 4936 | 0 | 0 |
| SOUTHERN CO/THE | Com | 842587107 |  | 490 | 6865 | SH |  | SOLE | 0 | 6865 | 0 | 0 |
| SOUTHERN CO/THE | Com | 842587107 |  | 122 | 1715 | SH |  | DFND | 0 | 1715 | 0 | 0 |
| STARBUCKS CORP | Com | 855244109 |  | 651 | 6565 | SH |  | SOLE | 0 | 6565 | 0 | 0 |
| Alta Properties Inc. | Com | 863012544 |  | 182 | 24544 | SH |  | DFND | 0 | 24544 | 0 | 0 |
| STRYKER CORP | Com | 863667101 |  | 758 | 3102 | SH |  | SOLE | 0 | 3102 | 0 | 0 |
| TJX COMPANIES INC | Com | 872540109 |  | 387 | 4860 | SH |  | SOLE | 0 | 4860 | 0 | 0 |
| T-MOBILE US INC | Com | 872590104 |  | 360 | 2568 | SH |  | SOLE | 0 | 2568 | 0 | 0 |
| TAIWAN SEMICONDUCTOR-SP ADR | Com | 874039100 |  | 569 | 7633 | SH |  | SOLE | 0 | 7633 | 0 | 0 |
| TAIWAN SEMICONDUCTOR-SP ADR | Com | 874039100 |  | 26 | 346 | SH |  | DFND | 0 | 346 | 0 | 0 |
| TEXAS INSTRUMENTS INC | Com | 882508104 |  | 283 | 1712 | SH |  | SOLE | 0 | 1712 | 0 | 0 |
| TEXAS INSTRUMENTS INC | Com | 882508104 |  | 121 | 732 | SH |  | DFND | 0 | 732 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | Com | 883556102 |  | 2497 | 4534 | SH |  | SOLE | 0 | 4534 | 0 | 0 |
| THERMO FISHER SCIENTIFIC INC | Com | 883556102 |  | 18 | 33 | SH |  | DFND | 0 | 33 | 0 | 0 |
| 3M CO | Com | 88579Y101 |  | 653 | 5443 | SH |  | SOLE | 0 | 5443 | 0 | 0 |
| 3M CO | Com | 88579Y101 |  | 390 | 3248 | SH |  | DFND | 0 | 3248 | 0 | 0 |
| TOYOTA MOTOR CORP -SPON ADR | Com | 892331307 |  | 273 | 2000 | SH |  | SOLE | 0 | 2000 | 0 | 0 |
| TOYOTA MOTOR CORP -SPON ADR | Com | 892331307 |  | 15 | 110 | SH |  | DFND | 0 | 110 | 0 | 0 |
| TRUIST FINANCIAL CORPORATION | Com | 89832Q109 |  | 260 | 6044 | SH |  | SOLE | 0 | 6044 | 0 | 0 |
| US BANCORP | Com | 902973304 |  | 330 | 7563 | SH |  | SOLE | 0 | 7563 | 0 | 0 |
| US BANCORP | Com | 902973304 |  | 36 | 820 | SH |  | DFND | 0 | 820 | 0 | 0 |
| UNION PACIFIC CORP | Com | 907818108 |  | 1619 | 7819 | SH |  | SOLE | 0 | 7819 | 0 | 0 |
| UNION PACIFIC CORP | Com | 907818108 |  | 501 | 2420 | SH |  | DFND | 0 | 2420 | 0 | 0 |
| UNITED PARCEL SERVICE-CL B | Com | 911312106 |  | 601 | 3455 | SH |  | SOLE | 0 | 3455 | 0 | 0 |
| UNITED PARCEL SERVICE-CL B | Com | 911312106 |  | 26 | 148 | SH |  | DFND | 0 | 148 | 0 | 0 |
| UNITEDHEALTH GROUP INC | Com | 91324P102 |  | 964 | 1818 | SH |  | SOLE | 0 | 1818 | 0 | 0 |
| UNITEDHEALTH GROUP INC | Com | 91324P102 |  | 109 | 205 | SH |  | DFND | 0 | 205 | 0 | 0 |
| VALERO ENERGY CORP | Com | 91913Y100 |  | 715 | 5636 | SH |  | SOLE | 0 | 5636 | 0 | 0 |
| VALERO ENERGY CORP | Com | 91913Y100 |  | 42 | 330 | SH |  | DFND | 0 | 330 | 0 | 0 |
| VANECK VECTORS SEMICONDUCTOR ETF | Com | 92189F676 |  | 265 | 1305 | SH |  | SOLE | 0 | 1305 | 0 | 0 |
| VANGUARD DIVIDEND APPREC ETF | Com | 921908844 |  | 5491 | 36163 | SH |  | SOLE | 0 | 36163 | 0 | 0 |
| VANGUARD DIVIDEND APPREC ETF | Com | 921908844 |  | 49 | 320 | SH |  | DFND | 0 | 320 | 0 | 0 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | Com | 921943858 |  | 1099 | 26181 | SH |  | SOLE | 0 | 26181 | 0 | 0 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | Com | 921943858 |  | 42 | 1000 | SH |  | DFND | 0 | 1000 | 0 | 0 |
| VANGUARD HIGH DVD YIELD ETF | Com | 921946406 |  | 3048 | 28171 | SH |  | SOLE | 0 | 28171 | 0 | 0 |
| VANGUARD HIGH DVD YIELD ETF | Com | 921946406 |  | 280 | 2589 | SH |  | DFND | 0 | 2589 | 0 | 0 |
| VANGUARD INTL HIGH DIVIDEND YIELD ETF | Com | 921946794 |  | 2266 | 38039 | SH |  | SOLE | 0 | 38039 | 0 | 0 |
| VANGUARD INTL HIGH DIVIDEND YIELD ETF | Com | 921946794 |  | 24 | 400 | SH |  | DFND | 0 | 400 | 0 | 0 |
| VANGUARD INTL DIVIDEND APPRECIATION ETF | Com | 921946810 |  | 7852 | 112773 | SH |  | SOLE | 0 | 112773 | 0 | 0 |
| VANGUARD INTL DIVIDEND APPRECIATION ETF | Com | 921946810 |  | 163 | 2338 | SH |  | DFND | 0 | 2338 | 0 | 0 |
| VANGUARD ULTRA-SHORT BOND ETF | Com | 92203C303 |  | 274 | 5583 | SH |  | SOLE | 0 | 5583 | 0 | 0 |
| VANGUARD GLBL EX-US REAL EST | Com | 922042676 |  | 547 | 13240 | SH |  | SOLE | 0 | 13240 | 0 | 0 |
| VANGUARD GLBL EX-US REAL EST | Com | 922042676 |  | 2 | 60 | SH |  | DFND | 0 | 60 | 0 | 0 |
| VANGUARD FTSE ALL-WORLD EX-US | Com | 922042775 |  | 1366 | 27246 | SH |  | SOLE | 0 | 27246 | 0 | 0 |
| VANGUARD FTSE EMERGING MARKETS ETF | Com | 922042858 |  | 452 | 11583 | SH |  | SOLE | 0 | 11583 | 0 | 0 |
| VANGUARD FTSE EMERGING MARKETS ETF | Com | 922042858 |  | 59 | 1502 | SH |  | DFND | 0 | 1502 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX PACIFIC ETF | Com | 922042866 |  | 833 | 12951 | SH |  | SOLE | 0 | 12951 | 0 | 0 |
| VANGUARD INTL EQUITY INDEX FD FTSE EUROPE ETF | Com | 922042874 |  | 274 | 4947 | SH |  | SOLE | 0 | 4947 | 0 | 0 |
| VANGUARD HEALTH CARE ETF | Com | 92204A504 |  | 295 | 1190 | SH |  | SOLE | 0 | 1190 | 0 | 0 |
| VANGUARD SHORT TERM GOVERNMENT BOND ETF | Com | 92206C102 |  | 13888 | 240188 | SH |  | SOLE | 0 | 240188 | 0 | 0 |
| VANGUARD SHORT TERM GOVERNMENT BOND ETF | Com | 92206C102 |  | 993 | 17176 | SH |  | DFND | 0 | 17176 | 0 | 0 |
| VANGUARD SHORT-TERM CORP BO | Com | 92206C409 |  | 14408 | 191616 | SH |  | SOLE | 0 | 191576 | 0 | 40 |
| VANGUARD SHORT-TERM CORP BO | Com | 92206C409 |  | 1161 | 15440 | SH |  | DFND | 0 | 15440 | 0 | 0 |
| VANGUARD INTERMEDIATE TERM GOVERNMENT BOND ET | Com | 92206C706 |  | 404 | 6900 | SH |  | SOLE | 0 | 6900 | 0 | 0 |
| VANGUARD S 500 ETF | Com | 922908363 |  | 924 | 2631 | SH |  | SOLE | 0 | 2631 | 0 | 0 |
| VANGUARD REAL ESTATE ETF | Com | 922908553 |  | 974 | 11810 | SH |  | SOLE | 0 | 11745 | 0 | 65 |
| VANGUARD REAL ESTATE ETF | Com | 922908553 |  | 125 | 1511 | SH |  | DFND | 0 | 1511 | 0 | 0 |
| VANGUARD IND FD MID-CAP | Com | 922908629 |  | 664 | 3257 | SH |  | SOLE | 0 | 3257 | 0 | 0 |
| VANGUARD EXTENDED MARKET ETF | Com | 922908652 |  | 688 | 5179 | SH |  | SOLE | 0 | 5179 | 0 | 0 |
| VANGUARD EXTENDED MARKET ETF | Com | 922908652 |  | 28 | 212 | SH |  | DFND | 0 | 212 | 0 | 0 |
| VANGUARD VALUE INDEX FUND ETF | Com | 922908744 |  | 1239 | 8829 | SH |  | SOLE | 0 | 8829 | 0 | 0 |
| VANGUARD VALUE INDEX FUND ETF | Com | 922908744 |  | 10 | 70 | SH |  | DFND | 0 | 70 | 0 | 0 |
| VANGUARD SMALL-CAP ETF | Com | 922908751 |  | 449 | 2448 | SH |  | SOLE | 0 | 2448 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | Com | 92343V104 |  | 2083 | 52878 | SH |  | SOLE | 0 | 52878 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | Com | 92343V104 |  | 183 | 4654 | SH |  | DFND | 0 | 4654 | 0 | 0 |
| VISA INC-CLASS A SHARES | Com | 92826C839 |  | 2352 | 11321 | SH |  | SOLE | 0 | 11321 | 0 | 0 |
| VISA INC-CLASS A SHARES | Com | 92826C839 |  | 5 | 25 | SH |  | DFND | 0 | 25 | 0 | 0 |
| WALMART INC | Com | 931142103 |  | 994 | 7011 | SH |  | SOLE | 0 | 7011 | 0 | 0 |
| WALMART INC | Com | 931142103 |  | 347 | 2450 | SH |  | DFND | 0 | 2450 | 0 | 0 |
| WALGREENS BOOTS ALLIANCE INC | Com | 931427108 |  | 496 | 13280 | SH |  | SOLE | 0 | 13280 | 0 | 0 |
| WALGREENS BOOTS ALLIANCE INC | Com | 931427108 |  | 60 | 1600 | SH |  | DFND | 0 | 1600 | 0 | 0 |
| WASTE MGMT INC | Com | 94106L109 |  | 683 | 4355 | SH |  | SOLE | 0 | 4355 | 0 | 0 |
| WELLS FARGO  CO | Com | 949746101 |  | 410 | 9923 | SH |  | SOLE | 0 | 9923 | 0 | 0 |
| WELLS FARGO  CO | Com | 949746101 |  | 84 | 2040 | SH |  | DFND | 0 | 2040 | 0 | 0 |
| WELLS FARGO CO NEW PERP PFD CNV A | Pfd Stk | 949746804 |  | 261 | 220 | SH |  | SOLE | 0 | 220 | 0 | 0 |
| WISDOMTREE EMERGING MARKETS | Com | 97717W315 |  | 472 | 13249 | SH |  | SOLE | 0 | 13249 | 0 | 0 |
| WISDOM TREE SMALL CAP DIVIDEND | Com | 97717W604 |  | 350 | 12295 | SH |  | SOLE | 0 | 12295 | 0 | 0 |
| WISDOMTREE EM EX-STATE-OWNED ENTERPRISES | Com | 97717X578 |  | 767 | 28736 | SH |  | SOLE | 0 | 28736 | 0 | 0 |
| WISDOMTREE EM EX-STATE-OWNED ENTERPRISES | Com | 97717X578 |  | 67 | 2510 | SH |  | DFND | 0 | 2510 | 0 | 0 |
| WISDOMTREE US QUALITY DIVID | Com | 97717X669 |  | 943 | 15618 | SH |  | SOLE | 0 | 15618 | 0 | 0 |
| XYLEM INC | Com | 98419M100 |  | 255 | 2308 | SH |  | SOLE | 0 | 2308 | 0 | 0 |
| ZIMMER BIOMET HOLDINGS INC | Com | 98956P102 |  | 194 | 1520 | SH |  | SOLE | 0 | 1520 | 0 | 0 |
| ZIMMER BIOMET HOLDINGS INC | Com | 98956P102 |  | 46 | 360 | SH |  | DFND | 0 | 360 | 0 | 0 |
| ZOETIS INC CL A | Com | 98978V103 |  | 333 | 2270 | SH |  | SOLE | 0 | 2270 | 0 | 0 |
| ACCENTURE PLC-CL A | Com | G1151C101 |  | 1391 | 5214 | SH |  | SOLE | 0 | 5214 | 0 | 0 |
| ACCENTURE PLC-CL A | Com | G1151C101 |  | 176 | 660 | SH |  | DFND | 0 | 660 | 0 | 0 |
| EATON CORP PLC | Com | G29183103 |  | 923 | 5880 | SH |  | SOLE | 0 | 5880 | 0 | 0 |
| EATON CORP PLC | Com | G29183103 |  | 129 | 820 | SH |  | DFND | 0 | 820 | 0 | 0 |
| JOHNSON CONTROLS INTERNATIONAL | Com | G51502105 |  | 1108 | 17310 | SH |  | SOLE | 0 | 17310 | 0 | 0 |
| JOHNSON CONTROLS INTERNATIONAL | Com | G51502105 |  | 306 | 4774 | SH |  | DFND | 0 | 4774 | 0 | 0 |
| LINDE PLC COM | Com | G5494J103 |  | 196 | 601 | SH |  | SOLE | 0 | 601 | 0 | 0 |
| LINDE PLC COM | Com | G5494J103 |  | 70 | 215 | SH |  | DFND | 0 | 215 | 0 | 0 |
| MEDTRONIC PLC | Com | G5960L103 |  | 455 | 5858 | SH |  | SOLE | 0 | 5858 | 0 | 0 |
| MEDTRONIC PLC | Com | G5960L103 |  | 27 | 349 | SH |  | DFND | 0 | 349 | 0 | 0 |
| APTIV PLC | Com | G6095L109 |  | 232 | 2492 | SH |  | SOLE | 0 | 2492 | 0 | 0 |
| TRANE TECHNOLOGIES PLC | Com | G8994E103 |  | 1007 | 5993 | SH |  | SOLE | 0 | 5993 | 0 | 0 |
| TRANE TECHNOLOGIES PLC | Com | G8994E103 |  | 208 | 1240 | SH |  | DFND | 0 | 1240 | 0 | 0 |
| CHUBB LTD | Com | H1467J104 |  | 832 | 3772 | SH |  | SOLE | 0 | 3772 | 0 | 0 |
| CHUBB LTD | Com | H1467J104 |  | 18 | 80 | SH |  | DFND | 0 | 80 | 0 | 0 |

---