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The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABORATORIES Equities 002824100   879,246 8,065 SH   DFND   8,065 0 0
ABBOTT LABORATORIES Equities 002824100   4,565,867 41,881 SH   SOLE   41,856 0 25
ABBVIE INC Equities 00287Y109   1,083,229 8,040 SH   DFND   8,040 0 0
ABBVIE INC Equities 00287Y109   5,574,858 41,378 SH   SOLE   41,344 0 34
ACCENTURE PLC A Equities G1151C101   365,359 1,184 SH   SOLE   1,184 0 0
ADOBE INC Equities 00724F101   10,758 22 SH   DFND   22 0 0
ADOBE INC Equities 00724F101   358,919 734 SH   SOLE   726 0 8
ALPHABET INC CAP STK CLASS C Equities 02079K107   9,678 80 SH   DFND   80 0 0
ALPHABET INC CAP STK CLASS C Equities 02079K107   978,647 8,090 SH   SOLE   8,043 0 47
ALPHABET INC CLASS A Equities 02079K305   9,576 80 SH   DFND   80 0 0
ALPHABET INC CLASS A Equities 02079K305   660,505 5,518 SH   SOLE   5,471 0 47
AMAZON.COM INC Equities 023135106   18,250 140 SH   DFND   140 0 0
AMAZON.COM INC Equities 023135106   1,176,629 9,026 SH   SOLE   8,981 0 45
AMERICAN EXPRESS COMMON Equities 025816109   413,725 2,375 SH   DFND   2,375 0 0
AMERICAN EXPRESS COMMON Equities 025816109   256,074 1,470 SH   SOLE   1,470 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   168,073 506 SH   DFND   506 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   212,915 641 SH   SOLE   634 0 7
ANALOG DEVICES INC Equities 032654105   215,070 1,104 SH   SOLE   1,104 0 0
AON PLC Equities G0403H108   531,608 1,540 SH   SOLE   1,540 0 0
APOLLO GLOBAL MGMT INC Equities 03769M106   264,303 3,441 SH   SOLE   3,441 0 0
APPLE INC COMMON Equities 037833100   36,854 190 SH   DFND   190 0 0
APPLE INC COMMON Equities 037833100   3,440,446 17,737 SH   SOLE   17,651 0 86
APPLIED MATERIALS INC Equities 038222105   324,059 2,242 SH   SOLE   2,242 0 0
ARCHER DANIELS MIDLAND CO Equities 039483102   98,314,516 1,301,145 SH   SOLE   1,301,145 0 0
AT&T INC Equities 00206R102   8,725 547 SH   DFND   547 0 0
AT&T INC Equities 00206R102   347,806 21,806 SH   SOLE   21,671 0 135
AUTOMATIC DATA PROCESSING INC Equities 053015103   87,916 400 SH   DFND   400 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   515,408 2,345 SH   SOLE   2,345 0 0
BANK AMER CORP COMMON Equities 060505104   322,476 11,240 SH   SOLE   11,240 0 0
BERKSHIRE HATHAWAY INC DEL CLAS Equities 084670702   734,514 2,154 SH   SOLE   2,154 0 0
BROADCOM INC Equities 11135F101   9,542 11 SH   DFND   11 0 0
BROADCOM INC Equities 11135F101   239,411 276 SH   SOLE   271 0 5
CAPITAL ONE FINL CORP COMMON Equities 14040H105   287,315 2,627 SH   SOLE   2,627 0 0
CATERPILLAR INC. Equities 149123101   6,151 25 SH   DFND   25 0 0
CATERPILLAR INC. Equities 149123101   216,032 878 SH   SOLE   867 0 11
CHEVRON CORP Equities 166764100   439,007 2,790 SH   SOLE   2,783 0 7
CISCO SYSTEMS INC Equities 17275R102   147,873 2,858 SH   DFND   2,858 0 0
CISCO SYSTEMS INC Equities 17275R102   661,962 12,794 SH   SOLE   12,693 0 101
COCA-COLA CO Equities 191216100   782,860 13,000 SH   DFND   13,000 0 0
COCA-COLA CO Equities 191216100   621,230 10,316 SH   SOLE   10,316 0 0
COMCAST CORP NEW CL A Equities 20030N101   265,089 6,380 SH   SOLE   6,380 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   6,999 13 SH   DFND   13 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   289,648 538 SH   SOLE   532 0 6
DANAHER CORP COMMON Equities 235851102   274,080 1,142 SH   SOLE   1,142 0 0
EATON CORP PLC Equities G29183103   304,465 1,514 SH   SOLE   1,504 0 10
EXXON MOBIL CORP Equities 30231G102   1,233,375 11,500 SH   DFND   11,500 0 0
EXXON MOBIL CORP Equities 30231G102   715,036 6,667 SH   SOLE   6,667 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805   302,565 6,850 SH   DFND   6,850 0 0
GENERAL ELECTRIC CO Equities 369604301   247,163 2,250 SH   DFND   2,250 0 0
GENERAL ELECTRIC CO Equities 369604301   196,082 1,785 SH   SOLE   1,785 0 0
HUBBELL INC NPV Equities 443510607   837,189 2,525 SH   DFND   2,525 0 0
INTEL CORP Equities 458140100   4,280 128 SH   DFND   128 0 0
INTEL CORP Equities 458140100   801,624 23,972 SH   SOLE   23,886 0 86
INVESCO AC VAR ETF Equities 46090A879   260,797 10,478 SH   DFND   10,478 0 0
INVESCO AC VAR ETF Equities 46090A879   13,690,346 550,034 SH   SOLE   546,517 0 3,517
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   346,516 938 SH   SOLE   938 0 0
ISHARES AAA-A RATED CORP BOND E Equities 46429B291   750,162 15,900 SH   SOLE   15,900 0 0
ISHARES AGENCY BOND ETF Equities 464288166   2,463,966 23,035 SH   SOLE   23,035 0 0
ISHARES CORE MSCI EMERG MARKTET Equities 46434G103   778,782 15,800 SH   SOLE   15,800 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   1,706,178 3,828 SH   SOLE   3,828 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   749,966 7,526 SH   DFND   7,526 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   12,324,712 123,680 SH   SOLE   123,282 0 398
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   675,463 6,896 SH   DFND   6,896 0 0
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   41,479,474 423,476 SH   SOLE   421,122 0 2,354
ISHARES GLBL MAT ETF Equities 464288695   519,175 6,343 SH   SOLE   6,343 0 0
ISHARES GLOBAL CONSUMER DISCR E Equities 464288745   487,211 3,109 SH   SOLE   3,109 0 0
ISHARES GNMA BOND ETF Equities 46429B333   2,427,859 55,380 SH   SOLE   55,380 0 0
ISHARES MSCI EAFE Equities 464287465   63,075 870 SH   DFND   870 0 0
ISHARES MSCI EAFE Equities 464287465   999,485 13,786 SH   SOLE   13,786 0 0
ISHARES MSCI EMERG Equities 464287234   30,580 773 SH   DFND   773 0 0
ISHARES MSCI EMERG Equities 464287234   467,204 11,810 SH   SOLE   11,810 0 0
ISHARES RUSSELL 1000 VALUE Equities 464287598   699,029 4,429 SH   SOLE   4,429 0 0
ISHARES RUSSELL 2000 Equities 464287655   78,279 418 SH   DFND   418 0 0
ISHARES RUSSELL 2000 Equities 464287655   1,740,675 9,295 SH   SOLE   9,295 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   56,384 800 SH   DFND   800 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   338,234 4,799 SH   SOLE   4,799 0 0
ISHARES S&P GLO INDS Equities 464288729   553,150 4,600 SH   SOLE   4,600 0 0
ISHARES S&P GLOB TECH SECTOR ID Equities 464287291   553,180 8,895 SH   SOLE   8,895 0 0
ISHARES S&P GLOBAL FINANCIALS I Equities 464287333   512,942 7,170 SH   SOLE   7,170 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   192,151 3,830 SH   DFND   3,830 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   168,070 3,350 SH   SOLE   3,350 0 0
ISHARES TR MSCI Equities 464288257   1,444,856 15,060 SH   SOLE   15,060 0 0
ISHARES TR S&P MIDCAP 400 INDEX Equities 464287507   370,256 1,416 SH   SOLE   1,416 0 0
ISHS INTL SEL DV ETF Equities 464288448   369,173 14,021 SH   DFND   14,021 0 0
ISHS INTL SEL DV ETF Equities 464288448   3,691,361 140,196 SH   SOLE   133,797 0 6,399
JM SMUCKER CO/THE-NEW COM Equities 832696405   211,611 1,433 SH   SOLE   1,433 0 0
JOHNSON & JOHNSON Equities 478160104   999,410 6,038 SH   DFND   6,038 0 0
JOHNSON & JOHNSON Equities 478160104   644,204 3,892 SH   SOLE   3,877 0 15
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   493,028 10,580 SH   DFND   10,580 0 0
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   11,970,235 256,872 SH   SOLE   255,478 0 1,394
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   206,326 4,115 SH   DFND   4,115 0 0
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   231,145 4,610 SH   SOLE   4,610 0 0
JPMORGAN CHASE & CO Equities 46625H100   10,181 70 SH   DFND   70 0 0
JPMORGAN CHASE & CO Equities 46625H100   998,300 6,864 SH   SOLE   6,850 0 14
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   658,146 12,994 SH   DFND   12,994 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   7,870,757 155,395 SH   SOLE   155,395 0 0
KROGER CO Equities 501044101   497,918 10,594 SH   SOLE   10,594 0 0
LILLY ELI & COMMON Equities 532457108   6,566 14 SH   DFND   14 0 0
LILLY ELI & COMMON Equities 532457108   725,512 1,547 SH   SOLE   1,539 0 8
MASTERCARD CL A Equities 57636Q104   5,900 15 SH   DFND   15 0 0
MASTERCARD CL A Equities 57636Q104   455,048 1,157 SH   SOLE   1,157 0 0
MCDONALDS CORP COMMON Equities 580135101   247,680 830 SH   SOLE   830 0 0
MERCK & CO INC NEW Equities 58933Y105   700,994 6,075 SH   DFND   6,075 0 0
MERCK & CO INC NEW Equities 58933Y105   1,051,664 9,114 SH   SOLE   9,090 0 24
META PLATFORMS INC. Equities 30303M102   16,645 58 SH   DFND   58 0 0
META PLATFORMS INC. Equities 30303M102   846,304 2,949 SH   SOLE   2,923 0 26
MICROSOFT CORP Equities 594918104   71,513 210 SH   DFND   210 0 0
MICROSOFT CORP Equities 594918104   2,624,201 7,706 SH   SOLE   7,664 0 42
MOODYS CORP Equities 615369105   297,648 856 SH   SOLE   856 0 0
NETFLIX INC COMMON Equities 64110L106   212,316 482 SH   SOLE   482 0 0
NEXTERA ENERGY INC Equities 65339F101   226,681 3,055 SH   SOLE   3,055 0 0
NVIDIA CORP Equities 67066G104   18,190 43 SH   DFND   43 0 0
NVIDIA CORP Equities 67066G104   873,113 2,064 SH   SOLE   2,039 0 25
ORACLE CORP Equities 68389X105   119,090 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   351,435 2,951 SH   SOLE   2,951 0 0
PAYCHEX COMMON Equities 704326107   5,705 51 SH   DFND   51 0 0
PAYCHEX COMMON Equities 704326107   223,181 1,995 SH   SOLE   1,974 0 21
PEPSICO INC Equities 713448108   388,777 2,099 SH   SOLE   2,099 0 0
PFIZER INC Equities 717081103   144,519 3,940 SH   DFND   3,940 0 0
PFIZER INC Equities 717081103   206,839 5,639 SH   SOLE   5,639 0 0
PROCTER & GAMBLE CO Equities 742718109   16,817,799 110,833 SH   SOLE   110,833 0 0
PRUDENTIAL FINL INC Equities 744320102   6,087 69 SH   DFND   69 0 0
PRUDENTIAL FINL INC Equities 744320102   248,163 2,813 SH   SOLE   2,789 0 24
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   457,277 4,668 SH   DFND   4,668 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   108,344 1,106 SH   SOLE   1,106 0 0
S&P GLOBAL INC COM Equities 78409V104   481,068 1,200 SH   DFND   1,200 0 0
S&P GLOBAL INC COM Equities 78409V104   196,035 489 SH   SOLE   489 0 0
SALESFORCE INC Equities 79466L302   6,760 32 SH   DFND   32 0 0
SALESFORCE INC Equities 79466L302   486,954 2,305 SH   SOLE   2,288 0 17
SCHWAB STRATEGIC TR Equities 808524706   257,925 10,472 SH   SOLE   10,472 0 0
SCHWAB STRATEGIC TR Equities 808524805   537,495 15,077 SH   SOLE   15,077 0 0
SCHWAB STRATEGIC US DIVIDEND EQ Equities 808524797   412,554 5,681 SH   SOLE   5,681 0 0
SPDR BARCLAYS BLOOMBERG ST BD E Equities 78464A474   136,013 4,620 SH   DFND   4,620 0 0
SPDR BARCLAYS BLOOMBERG ST BD E Equities 78464A474   565,660 19,214 SH   SOLE   19,214 0 0
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408   205,899 8,336 SH   DFND   8,336 0 0
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408   2,430,604 98,405 SH   SOLE   95,399 0 3,006
SPDR GOLD TR GOLD SHS Equities 78463V107   89,135 500 SH   DFND   500 0 0
SPDR GOLD TR GOLD SHS Equities 78463V107   182,905 1,026 SH   SOLE   1,026 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   504,896 1,139 SH   DFND   1,139 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   17,391,204 39,233 SH   SOLE   39,233 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   76,626 160 SH   DFND   160 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   1,609,617 3,361 SH   SOLE   3,346 0 15
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739   2,372,732 50,430 SH   SOLE   50,430 0 0
TARGET CORP Equities 87612E106   663,061 5,027 SH   SOLE   5,027 0 0
TECH SELECT SEC SPDR Equities 81369Y803   43,465 250 SH   DFND   250 0 0
TECH SELECT SEC SPDR Equities 81369Y803   925,457 5,323 SH   SOLE   5,323 0 0
TESLA MTRS INC Equities 88160R101   14,397 55 SH   DFND   55 0 0
TESLA MTRS INC Equities 88160R101   680,864 2,601 SH   SOLE   2,574 0 27
THE HOME DEPOT INC Equities 437076102   9,009 29 SH   DFND   29 0 0
THE HOME DEPOT INC Equities 437076102   584,935 1,883 SH   SOLE   1,875 0 8
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   5,218 10 SH   DFND   10 0 0
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   331,311 635 SH   SOLE   630 0 5
UNION PACIFIC CORP Equities 907818108   982,176 4,800 SH   DFND   4,800 0 0
UNION PACIFIC CORP Equities 907818108   146,508 716 SH   SOLE   716 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   8,171 17 SH   DFND   17 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   714,712 1,487 SH   SOLE   1,482 0 5
VANGUARD FTSE EMERGING MARKETS Equities 922042858   317,751 7,811 SH   DFND   7,811 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858   9,462,819 232,616 SH   SOLE   232,104 0 512
VANGUARD IND FD MID-CAP ETF Equities 922908629   319,012 1,449 SH   SOLE   1,449 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   31,850 214 SH   DFND   214 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   898,189 6,035 SH   SOLE   6,035 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   1,881,242 9,280 SH   DFND   9,280 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   27,386,256 135,094 SH   SOLE   135,094 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   2,227,056 44,346 SH   DFND   44,346 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   26,264,960 522,998 SH   SOLE   522,998 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   1,661,987 29,636 SH   DFND   29,636 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   51,340,399 915,485 SH   SOLE   915,485 0 0
VERIZON COMMUNICATIONS INC COMM Equities 92343V104   240,656 6,471 SH   SOLE   6,471 0 0
VISA COMMON CL A Equities 92826C839   11,399 48 SH   DFND   48 0 0
VISA COMMON CL A Equities 92826C839   695,816 2,930 SH   SOLE   2,908 0 22
WELLS FARGO & CO Equities 949746101   290,565 6,808 SH   SOLE   6,808 0 0