The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
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
Estimated average burden
hours per response: 23.8
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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M COM 88579Y101 560 3,589 SH   SOLE   3,589 0 0
3M COM 88579Y101 222 1,426 SH   DFND 13 0 1,426 0
3M COM 88579Y101 2,203 14,125 SH   DFND 5 0 14,125 0
3M COM 88579Y101 1,167 7,484 SH   DFND 1 0 7,484 0
3M COM 88579Y101 59 380 SH   DFND 6 0 380 0
3M COM 88579Y101 152 975 SH   DFND 16 0 975 0
3M COM 88579Y101 374 2,400 SH   DFND 12 0 2,400 0
ABBOTT LABS COM 002824100 791 8,649 SH   SOLE   8,649 0 0
ABBOTT LABS COM 002824100 640 6,997 SH   DFND 13 0 6,997 0
ABBOTT LABS COM 002824100 3,769 41,227 SH   DFND 5 0 41,227 0
ABBOTT LABS COM 002824100 2,514 27,500 SH   DFND 1 0 27,500 0
ABBOTT LABS COM 002824100 1,198 13,100 SH   DFND 12 0 13,100 0
ABBOTT LABS COM 002824100 279 3,050 SH   DFND 15 0 3,050 0
ABBOTT LABS COM 002824100 359 3,925 SH   DFND 16 0 3,925 0
ABBOTT LABS COM 002824100 105 1,150 SH   DFND 14 0 1,150 0
ABBOTT LABS COM 002824100 9 100 SH   DFND 6 0 100 0
ABBVIE COM 00287Y109 122 1,243 SH   SOLE   1,243 0 0
ABBVIE COM 00287Y109 1,002 10,210 SH   DFND 1 0 10,210 0
ABBVIE COM 00287Y109 120 1,227 SH   DFND 13 0 1,227 0
ABBVIE COM 00287Y109 687 7,000 SH   DFND 12 0 7,000 0
ABBVIE COM 00287Y109 142 1,450 SH   DFND 16 0 1,450 0
ABBVIE COM 00287Y109 59 600 SH   DFND 5 0 600 0
ABBVIE COM 00287Y109 7 75 SH   DFND 6 0 75 0
AIR PRODUCTS & CHEM COM 009158106 314 1,300 SH   DFND 1 0 1,300 0
ALPHABET INC CL A COM 02079K305 732 516 SH   SOLE   516 0 0
ALPHABET INC CL A COM 02079K305 615 434 SH   DFND 13 0 434 0
ALPHABET INC CL A COM 02079K305 4,253 2,999 SH   DFND 5 0 2,999 0
ALPHABET INC CL A COM 02079K305 2,696 1,901 SH   DFND 1 0 1,901 0
ALPHABET INC CL A COM 02079K305 659 465 SH   DFND 12 0 465 0
ALPHABET INC CL A COM 02079K305 30 21 SH   DFND 6 0 21 0
ALPHABET INC CL A COM 02079K305 294 207 SH   DFND 15 0 207 0
ALPHABET INC CL A COM 02079K305 306 216 SH   DFND 16 0 216 0
ALPHABET INC CL A COM 02079K305 113 80 SH   DFND 14 0 80 0
ALPHABET INC CL C COM 02079K107 96 68 SH   SOLE   68 0 0
ALPHABET INC CL C COM 02079K107 399 282 SH   DFND 1 0 282 0
AMAZON.COM COM 023135106 623 226 SH   SOLE   226 0 0
AMAZON.COM COM 023135106 2,643 958 SH   DFND 5 0 958 0
AMAZON.COM COM 023135106 2,389 866 SH   DFND 1 0 866 0
AMAZON.COM COM 023135106 276 100 SH   DFND 12 0 100 0
AMAZON.COM COM 023135106 348 126 SH   DFND 13 0 126 0
AMAZON.COM COM 023135106 177 64 SH   DFND 15 0 64 0
AMAZON.COM COM 023135106 218 79 SH   DFND 16 0 79 0
AMAZON.COM COM 023135106 77 28 SH   DFND 14 0 28 0
AMAZON.COM COM 023135106 8 3 SH   DFND 6 0 3 0
AMGEN INC COM 031162100 80 340 SH   SOLE   340 0 0
AMGEN INC COM 031162100 18 75 SH   DFND 13 0 75 0
AMGEN INC COM 031162100 124 525 SH   DFND 15 0 525 0
AMGEN INC COM 031162100 71 300 SH   DFND 1 0 300 0
ANALOG DEVICES COM 032654105 601 4,900 SH   SOLE   4,900 0 0
ANALOG DEVICES COM 032654105 631 5,146 SH   DFND 13 0 5,146 0
ANALOG DEVICES COM 032654105 3,335 27,194 SH   DFND 5 0 27,194 0
ANALOG DEVICES COM 032654105 2,068 16,860 SH   DFND 1 0 16,860 0
ANALOG DEVICES COM 032654105 282 2,300 SH   DFND 12 0 2,300 0
ANALOG DEVICES COM 032654105 19 155 SH   DFND 6 0 155 0
ANALOG DEVICES COM 032654105 276 2,250 SH   DFND 15 0 2,250 0
ANALOG DEVICES COM 032654105 335 2,730 SH   DFND 16 0 2,730 0
ANALOG DEVICES COM 032654105 89 725 SH   DFND 14 0 725 0
APPLE INC COM 037833100 1,230 3,371 SH   SOLE   3,371 0 0
APPLE INC COM 037833100 947 2,597 SH   DFND 13 0 2,597 0
APPLE INC COM 037833100 6,115 16,763 SH   DFND 5 0 16,763 0
APPLE INC COM 037833100 9,348 25,625 SH   DFND 1 0 25,625 0
APPLE INC COM 037833100 1,003 2,750 SH   DFND 12 0 2,750 0
APPLE INC COM 037833100 51 140 SH   DFND 6 0 140 0
APPLE INC COM 037833100 383 1,050 SH   DFND 15 0 1,050 0
APPLE INC COM 037833100 405 1,110 SH   DFND 16 0 1,110 0
APPLE INC COM 037833100 155 425 SH   DFND 14 0 425 0
APTARGROUP COM 038336103 722 6,450 SH   SOLE   6,450 0 0
APTARGROUP COM 038336103 450 4,022 SH   DFND 13 0 4,022 0
APTARGROUP COM 038336103 3,513 31,370 SH   DFND 5 0 31,370 0
APTARGROUP COM 038336103 1,885 16,833 SH   DFND 1 0 16,833 0
APTARGROUP COM 038336103 823 7,350 SH   DFND 12 0 7,350 0
APTARGROUP COM 038336103 190 1,700 SH   DFND 15 0 1,700 0
APTARGROUP COM 038336103 286 2,550 SH   DFND 16 0 2,550 0
APTARGROUP COM 038336103 9 80 SH   DFND 6 0 80 0
APTARGROUP COM 038336103 78 700 SH   DFND 14 0 700 0
AUTOMATIC DATA PROCESSING COM 053015103 673 4,520 SH   SOLE   4,520 0 0
AUTOMATIC DATA PROCESSING COM 053015103 562 3,776 SH   DFND 13 0 3,776 0
AUTOMATIC DATA PROCESSING COM 053015103 3,660 24,585 SH   DFND 5 0 24,585 0
AUTOMATIC DATA PROCESSING COM 053015103 2,591 17,405 SH   DFND 1 0 17,405 0
AUTOMATIC DATA PROCESSING COM 053015103 785 5,275 SH   DFND 12 0 5,275 0
AUTOMATIC DATA PROCESSING COM 053015103 190 1,275 SH   DFND 15 0 1,275 0
AUTOMATIC DATA PROCESSING COM 053015103 296 1,985 SH   DFND 16 0 1,985 0
AUTOMATIC DATA PROCESSING COM 053015103 88 590 SH   DFND 14 0 590 0
AUTOMATIC DATA PROCESSING COM 053015103 8 55 SH   DFND 6 0 55 0
BANK OF AMERICA COM 060505104 714 30,065 SH   DFND 1 0 30,065 0
BECTON DICKINSON COM 075887109 463 1,935 SH   SOLE   1,935 0 0
BECTON DICKINSON COM 075887109 353 1,475 SH   DFND 13 0 1,475 0
BECTON DICKINSON COM 075887109 1,803 7,535 SH   DFND 5 0 7,535 0
BECTON DICKINSON COM 075887109 1,090 4,555 SH   DFND 1 0 4,555 0
BECTON DICKINSON COM 075887109 221 925 SH   DFND 12 0 925 0
BECTON DICKINSON COM 075887109 126 525 SH   DFND 15 0 525 0
BECTON DICKINSON COM 075887109 203 850 SH   DFND 16 0 850 0
BECTON DICKINSON COM 075887109 5 20 SH   DFND 6 0 20 0
BECTON DICKINSON COM 075887109 60 250 SH   DFND 14 0 250 0
BERKSHIRE HATHAWAY CL B COM 084670702 40 223 SH   SOLE   223 0 0
BERKSHIRE HATHAWAY CL B COM 084670702 263 1,475 SH   DFND 1 0 1,475 0
BERKSHIRE HATHAWAY CL B COM 084670702 669 3,750 SH   DFND 12 0 3,750 0
CANADIAN NATL RAILWAY COM 136375102 759 8,571 SH   SOLE   8,571 0 0
CANADIAN NATL RAILWAY COM 136375102 528 5,958 SH   DFND 13 0 5,958 0
CANADIAN NATL RAILWAY COM 136375102 3,374 38,090 SH   DFND 5 0 38,090 0
CANADIAN NATL RAILWAY COM 136375102 1,918 21,652 SH   DFND 1 0 21,652 0
CANADIAN NATL RAILWAY COM 136375102 771 8,700 SH   DFND 12 0 8,700 0
CANADIAN NATL RAILWAY COM 136375102 80 900 SH   DFND 6 0 900 0
CANADIAN NATL RAILWAY COM 136375102 235 2,650 SH   DFND 15 0 2,650 0
CANADIAN NATL RAILWAY COM 136375102 314 3,545 SH   DFND 16 0 3,545 0
CANADIAN NATL RAILWAY COM 136375102 77 875 SH   DFND 14 0 875 0
CHEVRON COM 166764100 269 3,010 SH   SOLE   3,010 0 0
CHEVRON COM 166764100 170 1,900 SH   DFND 13 0 1,900 0
CHEVRON COM 166764100 2,224 24,920 SH   DFND 5 0 24,920 0
CHEVRON COM 166764100 655 7,335 SH   DFND 1 0 7,335 0
CHEVRON COM 166764100 531 5,950 SH   DFND 12 0 5,950 0
CHEVRON COM 166764100 67 750 SH   DFND 15 0 750 0
CHEVRON COM 166764100 132 1,475 SH   DFND 16 0 1,475 0
CHEVRON COM 166764100 40 450 SH   DFND 14 0 450 0
CHUBB LIMITED COM H1467J104 499 3,938 SH   SOLE   3,938 0 0
CHUBB LIMITED COM H1467J104 306 2,417 SH   DFND 13 0 2,417 0
CHUBB LIMITED COM H1467J104 2,208 17,438 SH   DFND 5 0 17,438 0
CHUBB LIMITED COM H1467J104 1,038 8,195 SH   DFND 1 0 8,195 0
CHUBB LIMITED COM H1467J104 529 4,175 SH   DFND 12 0 4,175 0
CHUBB LIMITED COM H1467J104 11 90 SH   DFND 6 0 90 0
CHUBB LIMITED COM H1467J104 101 800 SH   DFND 15 0 800 0
CHUBB LIMITED COM H1467J104 211 1,670 SH   DFND 16 0 1,670 0
CHUBB LIMITED COM H1467J104 63 500 SH   DFND 14 0 500 0
CISCO SYS INC COM 17275R102 7 150 SH   DFND 6 0 150 0
CISCO SYS INC COM 17275R102 233 5,000 SH   DFND 12 0 5,000 0
CISCO SYS INC COM 17275R102 47 1,000 SH   DFND 16 0 1,000 0
CISCO SYS INC COM 17275R102 173 3,700 SH   DFND 1 0 3,700 0
CISCO SYS INC COM 17275R102 140 3,000 SH   DFND 5 0 3,000 0
CISCO SYS INC COM 17275R102 23 500 SH   DFND 13 0 500 0
COCA COLA COM 191216100 87 1,950 SH   SOLE   1,950 0 0
COCA COLA COM 191216100 188 4,200 SH   DFND 1 0 4,200 0
COCA COLA COM 191216100 382 8,550 SH   DFND 12 0 8,550 0
COCA COLA COM 191216100 107 2,400 SH   DFND 5 0 2,400 0
COLGATE-PALMOLIVE COM 194162103 23 315 SH   SOLE   315 0 0
COLGATE-PALMOLIVE COM 194162103 64 875 SH   DFND 13 0 875 0
COLGATE-PALMOLIVE COM 194162103 17 230 SH   DFND 1 0 230 0
COLGATE-PALMOLIVE COM 194162103 99 1,350 SH   DFND 16 0 1,350 0
COLGATE-PALMOLIVE COM 194162103 66 900 SH   DFND 12 0 900 0
CVS HEALTH COM 126650100 264 4,060 SH   SOLE   4,060 0 0
CVS HEALTH COM 126650100 1,578 24,290 SH   DFND 5 0 24,290 0
CVS HEALTH COM 126650100 699 10,757 SH   DFND 1 0 10,757 0
CVS HEALTH COM 126650100 11 165 SH   DFND 6 0 165 0
CVS HEALTH COM 126650100 265 4,083 SH   DFND 13 0 4,083 0
CVS HEALTH COM 126650100 107 1,650 SH   DFND 16 0 1,650 0
CVS HEALTH COM 126650100 114 1,750 SH   DFND 12 0 1,750 0
CVS HEALTH COM 126650100 32 500 SH   DFND 15 0 500 0
DANAHER CORP COM 235851102 742 4,197 SH   SOLE   4,197 0 0
DANAHER CORP COM 235851102 711 4,019 SH   DFND 13 0 4,019 0
DANAHER CORP COM 235851102 3,818 21,590 SH   DFND 5 0 21,590 0
DANAHER CORP COM 235851102 1,732 9,795 SH   DFND 1 0 9,795 0
DANAHER CORP COM 235851102 407 2,300 SH   DFND 12 0 2,300 0
DANAHER CORP COM 235851102 309 1,750 SH   DFND 15 0 1,750 0
DANAHER CORP COM 235851102 274 1,550 SH   DFND 16 0 1,550 0
DANAHER CORP COM 235851102 120 680 SH   DFND 14 0 680 0
DANAHER CORP COM 235851102 11 60 SH   DFND 6 0 60 0
DEERE & CO COM 244199105 4 25 SH   SOLE   25 0 0
DEERE & CO COM 244199105 342 2,175 SH   DFND 1 0 2,175 0
DEERE & CO COM 244199105 13 85 SH   DFND 16 0 85 0
DEERE & CO COM 244199105 1,163 7,400 SH   DFND 5 0 7,400 0
DEERE & CO COM 244199105 126 800 SH   DFND 12 0 800 0
DEERE & CO COM 244199105 16 100 SH   DFND 13 0 100 0
DISNEY COM 254687106 491 4,405 SH   SOLE   4,405 0 0
DISNEY COM 254687106 311 2,790 SH   DFND 13 0 2,790 0
DISNEY COM 254687106 2,240 20,090 SH   DFND 5 0 20,090 0
DISNEY COM 254687106 1,329 11,915 SH   DFND 1 0 11,915 0
DISNEY COM 254687106 357 3,200 SH   DFND 12 0 3,200 0
DISNEY COM 254687106 176 1,575 SH   DFND 15 0 1,575 0
DISNEY COM 254687106 195 1,750 SH   DFND 16 0 1,750 0
DISNEY COM 254687106 47 425 SH   DFND 14 0 425 0
DISNEY COM 254687106 4 40 SH   DFND 6 0 40 0
EMERSON ELECTRIC COM 291011104 19 300 SH   SOLE   300 0 0
EMERSON ELECTRIC COM 291011104 233 3,750 SH   DFND 1 0 3,750 0
EMERSON ELECTRIC COM 291011104 267 4,300 SH   DFND 12 0 4,300 0
EMERSON ELECTRIC COM 291011104 81 1,300 SH   DFND 13 0 1,300 0
EMERSON ELECTRIC COM 291011104 124 2,000 SH   DFND 5 0 2,000 0
EOG RESOURCES COM 26875P101 135 2,665 SH   SOLE   2,665 0 0
EOG RESOURCES COM 26875P101 760 14,995 SH   DFND 5 0 14,995 0
EOG RESOURCES COM 26875P101 191 3,780 SH   DFND 1 0 3,780 0
EOG RESOURCES COM 26875P101 35 700 SH   DFND 13 0 700 0
EOG RESOURCES COM 26875P101 30 600 SH   DFND 15 0 600 0
EOG RESOURCES COM 26875P101 25 500 SH   DFND 16 0 500 0
EOG RESOURCES COM 26875P101 5 100 SH   DFND 6 0 100 0
EOG RESOURCES COM 26875P101 41 800 SH   DFND 14 0 800 0
EXXON MOBIL COM 30231G102 147 3,295 SH   SOLE   3,295 0 0
EXXON MOBIL COM 30231G102 491 10,970 SH   DFND 1 0 10,970 0
EXXON MOBIL COM 30231G102 206 4,600 SH   DFND 5 0 4,600 0
EXXON MOBIL COM 30231G102 80 1,800 SH   DFND 13 0 1,800 0
EXXON MOBIL COM 30231G102 45 1,000 SH   DFND 16 0 1,000 0
EXXON MOBIL COM 30231G102 54 1,200 SH   DFND 12 0 1,200 0
EXXON MOBIL COM 30231G102 4 90 SH   DFND 6 0 90 0
EXXON MOBIL COM 30231G102 18 400 SH   DFND 14 0 400 0
FIDELITY NATL INFO SVCS COM 31620M106 47 350 SH   SOLE   350 0 0
FIDELITY NATL INFO SVCS COM 31620M106 416 3,100 SH   DFND 5 0 3,100 0
FISERV COM 337738108 606 6,204 SH   SOLE   6,204 0 0
FISERV COM 337738108 561 5,744 SH   DFND 13 0 5,744 0
FISERV COM 337738108 3,446 35,300 SH   DFND 5 0 35,300 0
FISERV COM 337738108 2,788 28,555 SH   DFND 1 0 28,555 0
FISERV COM 337738108 308 3,150 SH   DFND 12 0 3,150 0
FISERV COM 337738108 12 125 SH   DFND 6 0 125 0
FISERV COM 337738108 206 2,110 SH   DFND 15 0 2,110 0
FISERV COM 337738108 232 2,375 SH   DFND 16 0 2,375 0
FISERV COM 337738108 68 700 SH   DFND 14 0 700 0
GENERAL ELECTRIC COM 369604103 32 4,750 SH   SOLE   4,750 0 0
GENERAL ELECTRIC COM 369604103 82 12,000 SH   DFND 1 0 12,000 0
GENERAL ELECTRIC COM 369604103 27 3,910 SH   DFND 13 0 3,910 0
GENERAL ELECTRIC COM 369604103 14 2,000 SH   DFND 12 0 2,000 0
GENERAL MILLS COM 370334104 407 6,600 SH   DFND 1 0 6,600 0
GENERAL MILLS COM 370334104 18 300 SH   DFND 13 0 300 0
GENERAL MILLS COM 370334104 197 3,200 SH   DFND 5 0 3,200 0
HERSHEY COMPANY COM 427866108 207 1,600 SH   DFND 1 0 1,600 0
HOME DEPOT COM 437076102 821 3,278 SH   SOLE   3,278 0 0
HOME DEPOT COM 437076102 4,006 15,990 SH   DFND 5 0 15,990 0
HOME DEPOT COM 437076102 2,168 8,655 SH   DFND 1 0 8,655 0
HOME DEPOT COM 437076102 639 2,550 SH   DFND 12 0 2,550 0
HOME DEPOT COM 437076102 53 210 SH   DFND 6 0 210 0
HOME DEPOT COM 437076102 535 2,135 SH   DFND 13 0 2,135 0
HOME DEPOT COM 437076102 163 650 SH   DFND 15 0 650 0
HOME DEPOT COM 437076102 312 1,245 SH   DFND 16 0 1,245 0
ILLUMINA COM 452327109 390 1,054 SH   SOLE   1,054 0 0
ILLUMINA COM 452327109 282 761 SH   DFND 13 0 761 0
ILLUMINA COM 452327109 2,285 6,170 SH   DFND 5 0 6,170 0
ILLUMINA COM 452327109 241 650 SH   DFND 12 0 650 0
ILLUMINA COM 452327109 716 1,933 SH   DFND 1 0 1,933 0
ILLUMINA COM 452327109 159 430 SH   DFND 15 0 430 0
ILLUMINA COM 452327109 22 60 SH   DFND 16 0 60 0
ILLUMINA COM 452327109 61 165 SH   DFND 14 0 165 0
ILLUMINA COM 452327109 7 20 SH   DFND 6 0 20 0
INTEL CORP COM 458140100 664 11,105 SH   SOLE   11,105 0 0
INTEL CORP COM 458140100 193 3,225 SH   DFND 13 0 3,225 0
INTEL CORP COM 458140100 3,198 53,457 SH   DFND 5 0 53,457 0
INTEL CORP COM 458140100 1,619 27,065 SH   DFND 1 0 27,065 0
INTEL CORP COM 458140100 479 8,000 SH   DFND 12 0 8,000 0
INTEL CORP COM 458140100 7 125 SH   DFND 6 0 125 0
INTEL CORP COM 458140100 60 1,000 SH   DFND 14 0 1,000 0
ISHARES S&P 500 COM 464287200 1,006 3,250 SH   DFND 13 0 3,250 0
JOHNSON & JOHNSON COM 478160104 944 6,713 SH   SOLE   6,713 0 0
JOHNSON & JOHNSON COM 478160104 501 3,563 SH   DFND 13 0 3,563 0
JOHNSON & JOHNSON COM 478160104 5,508 39,170 SH   DFND 5 0 39,170 0
JOHNSON & JOHNSON COM 478160104 2,451 17,430 SH   DFND 1 0 17,430 0
JOHNSON & JOHNSON COM 478160104 1,006 7,150 SH   DFND 12 0 7,150 0
JOHNSON & JOHNSON COM 478160104 176 1,250 SH   DFND 15 0 1,250 0
JOHNSON & JOHNSON COM 478160104 253 1,800 SH   DFND 16 0 1,800 0
JOHNSON & JOHNSON COM 478160104 100 710 SH   DFND 14 0 710 0
JOHNSON & JOHNSON COM 478160104 9 65 SH   DFND 6 0 65 0
JPMORGAN CHASE COM 46625H100 3 37 SH   SOLE   37 0 0
JPMORGAN CHASE COM 46625H100 339 3,600 SH   DFND 1 0 3,600 0
MASTERCARD COM 57636Q104 895 3,028 SH   SOLE   3,028 0 0
MASTERCARD COM 57636Q104 725 2,451 SH   DFND 13 0 2,451 0
MASTERCARD COM 57636Q104 5,045 17,060 SH   DFND 5 0 17,060 0
MASTERCARD COM 57636Q104 3,079 10,414 SH   DFND 1 0 10,414 0
MASTERCARD COM 57636Q104 683 2,310 SH   DFND 12 0 2,310 0
MASTERCARD COM 57636Q104 40 135 SH   DFND 6 0 135 0
MASTERCARD COM 57636Q104 251 850 SH   DFND 15 0 850 0
MASTERCARD COM 57636Q104 358 1,210 SH   DFND 16 0 1,210 0
MASTERCARD COM 57636Q104 114 385 SH   DFND 14 0 385 0
MERCK COM 58933Y105 52 675 SH   SOLE   675 0 0
MERCK COM 58933Y105 39 500 SH   DFND 5 0 500 0
MERCK COM 58933Y105 236 3,049 SH   DFND 1 0 3,049 0
MERCK COM 58933Y105 54 700 SH   DFND 12 0 700 0
MICROSOFT CORP COM 594918104 1,172 5,761 SH   SOLE   5,761 0 0
MICROSOFT CORP COM 594918104 444 2,180 SH   DFND 13 0 2,180 0
MICROSOFT CORP COM 594918104 5,326 26,170 SH   DFND 5 0 26,170 0
MICROSOFT CORP COM 594918104 2,724 13,385 SH   DFND 1 0 13,385 0
MICROSOFT CORP COM 594918104 977 4,800 SH   DFND 12 0 4,800 0
MICROSOFT CORP COM 594918104 158 775 SH   DFND 15 0 775 0
MICROSOFT CORP COM 594918104 249 1,225 SH   DFND 16 0 1,225 0
MICROSOFT CORP COM 594918104 148 725 SH   DFND 14 0 725 0
MICROSOFT CORP COM 594918104 3 15 SH   DFND 6 0 15 0
NESTLE SA ADR COM 641069406 723 6,543 SH   SOLE   6,543 0 0
NESTLE SA ADR COM 641069406 3,882 35,153 SH   DFND 5 0 35,153 0
NESTLE SA ADR COM 641069406 2,031 18,394 SH   DFND 1 0 18,394 0
NESTLE SA ADR COM 641069406 867 7,850 SH   DFND 12 0 7,850 0
NESTLE SA ADR COM 641069406 38 340 SH   DFND 6 0 340 0
NESTLE SA ADR COM 641069406 534 4,838 SH   DFND 13 0 4,838 0
NESTLE SA ADR COM 641069406 154 1,390 SH   DFND 15 0 1,390 0
NESTLE SA ADR COM 641069406 294 2,659 SH   DFND 16 0 2,659 0
NESTLE SA ADR COM 641069406 66 600 SH   DFND 14 0 600 0
NIKE INC CLASS B COM 654106103 101 1,027 SH   SOLE   1,027 0 0
NIKE INC CLASS B COM 654106103 536 5,465 SH   DFND 5 0 5,465 0
NIKE INC CLASS B COM 654106103 111 1,135 SH   DFND 1 0 1,135 0
NIKE INC CLASS B COM 654106103 74 750 SH   DFND 12 0 750 0
NIKE INC CLASS B COM 654106103 115 1,170 SH   DFND 13 0 1,170 0
NIKE INC CLASS B COM 654106103 15 150 SH   DFND 16 0 150 0
NIKE INC CLASS B COM 654106103 39 400 SH   DFND 15 0 400 0
NOVARTIS AG ADR COM 66987V109 544 6,225 SH   SOLE   6,225 0 0
NOVARTIS AG ADR COM 66987V109 469 5,372 SH   DFND 13 0 5,372 0
NOVARTIS AG ADR COM 66987V109 3,160 36,185 SH   DFND 5 0 36,185 0
NOVARTIS AG ADR COM 66987V109 1,443 16,524 SH   DFND 1 0 16,524 0
NOVARTIS AG ADR COM 66987V109 524 6,000 SH   DFND 12 0 6,000 0
NOVARTIS AG ADR COM 66987V109 140 1,600 SH   DFND 15 0 1,600 0
NOVARTIS AG ADR COM 66987V109 301 3,450 SH   DFND 16 0 3,450 0
NOVARTIS AG ADR COM 66987V109 72 825 SH   DFND 14 0 825 0
NOVARTIS AG ADR COM 66987V109 9 100 SH   DFND 6 0 100 0
NOVOZYMES A S DKK 2.0 COM B798FW902 405 7,025 SH   SOLE   7,025 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 2,871 49,805 SH   DFND 5 0 49,805 0
NOVOZYMES A S DKK 2.0 COM B798FW902 979 16,988 SH   DFND 1 0 16,988 0
NOVOZYMES A S DKK 2.0 COM B798FW902 504 8,750 SH   DFND 12 0 8,750 0
NOVOZYMES A S DKK 2.0 COM B798FW902 224 3,878 SH   DFND 13 0 3,878 0
NOVOZYMES A S DKK 2.0 COM B798FW902 144 2,500 SH   DFND 15 0 2,500 0
NOVOZYMES A S DKK 2.0 COM B798FW902 55 950 SH   DFND 16 0 950 0
NOVOZYMES A S DKK 2.0 COM B798FW902 9 150 SH   DFND 6 0 150 0
NOVOZYMES A S DKK 2.0 COM B798FW902 46 800 SH   DFND 14 0 800 0
NVIDIA CORP COM 67066G104 209 550 SH   SOLE   550 0 0
NVIDIA CORP COM 67066G104 85 225 SH   DFND 1 0 225 0
NVIDIA CORP COM 67066G104 224 590 SH   DFND 15 0 590 0
OTIS WORLDWIDE COM 68902V107 40 700 SH   SOLE   700 0 0
OTIS WORLDWIDE COM 68902V107 132 2,329 SH   DFND 1 0 2,329 0
OTIS WORLDWIDE COM 68902V107 6 102 SH   DFND 6 0 102 0
OTIS WORLDWIDE COM 68902V107 17 301 SH   DFND 16 0 301 0
OTIS WORLDWIDE COM 68902V107 4 62 SH   DFND 14 0 62 0
OTIS WORLDWIDE COM 68902V107 17 300 SH   DFND 5 0 300 0
PAYPAL HOLDINGS COM 70450Y103 698 4,005 SH   SOLE   4,005 0 0
PAYPAL HOLDINGS COM 70450Y103 368 2,110 SH   DFND 13 0 2,110 0
PAYPAL HOLDINGS COM 70450Y103 2,900 16,645 SH   DFND 5 0 16,645 0
PAYPAL HOLDINGS COM 70450Y103 1,938 11,125 SH   DFND 1 0 11,125 0
PAYPAL HOLDINGS COM 70450Y103 253 1,450 SH   DFND 12 0 1,450 0
PAYPAL HOLDINGS COM 70450Y103 244 1,400 SH   DFND 15 0 1,400 0
PAYPAL HOLDINGS COM 70450Y103 213 1,225 SH   DFND 16 0 1,225 0
PAYPAL HOLDINGS COM 70450Y103 91 520 SH   DFND 14 0 520 0
PAYPAL HOLDINGS COM 70450Y103 7 40 SH   DFND 6 0 40 0
PEPSICO COM 713448108 232 1,755 SH   SOLE   1,755 0 0
PEPSICO COM 713448108 1,766 13,350 SH   DFND 5 0 13,350 0
PEPSICO COM 713448108 1,600 12,100 SH   DFND 1 0 12,100 0
PEPSICO COM 713448108 20 150 SH   DFND 6 0 150 0
PEPSICO COM 713448108 206 1,555 SH   DFND 13 0 1,555 0
PEPSICO COM 713448108 271 2,050 SH   DFND 16 0 2,050 0
PEPSICO COM 713448108 106 800 SH   DFND 12 0 800 0
PEPSICO COM 713448108 52 390 SH   DFND 14 0 390 0
PROCTER & GAMBLE COM 742718109 676 5,655 SH   SOLE   5,655 0 0
PROCTER & GAMBLE COM 742718109 517 4,322 SH   DFND 13 0 4,322 0
PROCTER & GAMBLE COM 742718109 3,902 32,637 SH   DFND 5 0 32,637 0
PROCTER & GAMBLE COM 742718109 1,917 16,035 SH   DFND 1 0 16,035 0
PROCTER & GAMBLE COM 742718109 795 6,650 SH   DFND 12 0 6,650 0
PROCTER & GAMBLE COM 742718109 25 210 SH   DFND 6 0 210 0
PROCTER & GAMBLE COM 742718109 260 2,175 SH   DFND 15 0 2,175 0
PROCTER & GAMBLE COM 742718109 332 2,775 SH   DFND 16 0 2,775 0
PROCTER & GAMBLE COM 742718109 87 725 SH   DFND 14 0 725 0
RAYTHEON TECHNOLOGIES COM 75513E101 424 6,875 SH   SOLE   6,875 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 337 5,467 SH   DFND 13 0 5,467 0
RAYTHEON TECHNOLOGIES COM 75513E101 2,048 33,240 SH   DFND 5 0 33,240 0
RAYTHEON TECHNOLOGIES COM 75513E101 1,246 20,216 SH   DFND 1 0 20,216 0
RAYTHEON TECHNOLOGIES COM 75513E101 176 2,850 SH   DFND 12 0 2,850 0
RAYTHEON TECHNOLOGIES COM 75513E101 13 206 SH   DFND 6 0 206 0
RAYTHEON TECHNOLOGIES COM 75513E101 106 1,725 SH   DFND 15 0 1,725 0
RAYTHEON TECHNOLOGIES COM 75513E101 168 2,725 SH   DFND 16 0 2,725 0
RAYTHEON TECHNOLOGIES COM 75513E101 48 775 SH   DFND 14 0 775 0
ROCKWELL AUTOMATION COM 773903109 538 2,526 SH   SOLE   2,526 0 0
ROCKWELL AUTOMATION COM 773903109 349 1,640 SH   DFND 13 0 1,640 0
ROCKWELL AUTOMATION COM 773903109 3,315 15,565 SH   DFND 5 0 15,565 0
ROCKWELL AUTOMATION COM 773903109 1,879 8,820 SH   DFND 1 0 8,820 0
ROCKWELL AUTOMATION COM 773903109 149 700 SH   DFND 12 0 700 0
ROCKWELL AUTOMATION COM 773903109 75 350 SH   DFND 6 0 350 0
ROCKWELL AUTOMATION COM 773903109 234 1,100 SH   DFND 15 0 1,100 0
ROCKWELL AUTOMATION COM 773903109 197 925 SH   DFND 16 0 925 0
ROCKWELL AUTOMATION COM 773903109 113 530 SH   DFND 14 0 530 0
SNAP ON COM 833034101 208 1,500 SH   DFND 12 0 1,500 0
SPDR S&P 500 ETF COM 78462F103 385 1,250 SH   DFND 12 0 1,250 0
SPDR S&P 500 ETF COM 78462F103 170 550 SH   DFND 14 0 550 0
SPDR S&P 500 ETF COM 78462F103 776 2,515 SH   DFND 5 0 2,515 0
STRYKER CORP COM 863667101 189 1,050 SH   DFND 1 0 1,050 0
STRYKER CORP COM 863667101 36 200 SH   DFND 13 0 200 0
SYSCO COM 871829107 415 7,600 SH   DFND 12 0 7,600 0
SYSCO COM 871829107 33 600 SH   DFND 15 0 600 0
SYSCO COM 871829107 77 1,400 SH   DFND 1 0 1,400 0
TJX COS COM 872540109 100 1,983 SH   SOLE   1,983 0 0
TJX COS COM 872540109 114 2,260 SH   DFND 13 0 2,260 0
TJX COS COM 872540109 643 12,715 SH   DFND 5 0 12,715 0
TJX COS COM 872540109 273 5,390 SH   DFND 1 0 5,390 0
TJX COS COM 872540109 66 1,300 SH   DFND 12 0 1,300 0
TJX COS COM 872540109 43 850 SH   DFND 16 0 850 0
TJX COS COM 872540109 42 825 SH   DFND 15 0 825 0
TJX COS COM 872540109 15 300 SH   DFND 14 0 300 0
UNILEVER PLC NEW ADR COM 904767704 465 8,465 SH   SOLE   8,465 0 0
UNILEVER PLC NEW ADR COM 904767704 295 5,377 SH   DFND 13 0 5,377 0
UNILEVER PLC NEW ADR COM 904767704 2,178 39,689 SH   DFND 5 0 39,689 0
UNILEVER PLC NEW ADR COM 904767704 955 17,410 SH   DFND 1 0 17,410 0
UNILEVER PLC NEW ADR COM 904767704 206 3,750 SH   DFND 12 0 3,750 0
UNILEVER PLC NEW ADR COM 904767704 12 225 SH   DFND 6 0 225 0
UNILEVER PLC NEW ADR COM 904767704 228 4,160 SH   DFND 15 0 4,160 0
UNILEVER PLC NEW ADR COM 904767704 184 3,350 SH   DFND 16 0 3,350 0
UNILEVER PLC NEW ADR COM 904767704 71 1,300 SH   DFND 14 0 1,300 0
UNION PACIFIC COM 907818108 237 1,403 SH   SOLE   1,403 0 0
UNION PACIFIC COM 907818108 39 232 SH   DFND 5 0 232 0
UNION PACIFIC COM 907818108 30 175 SH   DFND 13 0 175 0
UNION PACIFIC COM 907818108 38 225 SH   DFND 1 0 225 0
UNITED HEALTH GROUP COM 91324P102 153 519 SH   SOLE   519 0 0
UNITED HEALTH GROUP COM 91324P102 234 795 SH   DFND 13 0 795 0
UNITED HEALTH GROUP COM 91324P102 536 1,816 SH   DFND 5 0 1,816 0
UNITED HEALTH GROUP COM 91324P102 457 1,550 SH   DFND 1 0 1,550 0
UNITED HEALTH GROUP COM 91324P102 96 325 SH   DFND 12 0 325 0
UNITED HEALTH GROUP COM 91324P102 111 375 SH   DFND 15 0 375 0
UNITED HEALTH GROUP COM 91324P102 68 230 SH   DFND 16 0 230 0
UNITED HEALTH GROUP COM 91324P102 37 125 SH   DFND 14 0 125 0
UNITED HEALTH GROUP COM 91324P102 1 5 SH   DFND 6 0 5 0
VIACOMCBS ORD SHS CLASS B COM 92556H206 210 9,000 SH   DFND 1 0 9,000 0
WAL-MART STORES COM 931142103 42 352 SH   SOLE   352 0 0
WAL-MART STORES COM 931142103 132 1,100 SH   DFND 12 0 1,100 0
WAL-MART STORES COM 931142103 264 2,200 SH   DFND 1 0 2,200 0
WAL-MART STORES COM 931142103 737 6,150 SH   DFND 5 0 6,150 0
WAL-MART STORES COM 931142103 48 400 SH   DFND 14 0 400 0
XILINX COM 983919101 557 5,665 SH   SOLE   5,665 0 0
XILINX COM 983919101 356 3,620 SH   DFND 13 0 3,620 0
XILINX COM 983919101 3,070 31,200 SH   DFND 5 0 31,200 0
XILINX COM 983919101 1,263 12,840 SH   DFND 1 0 12,840 0
XILINX COM 983919101 290 2,950 SH   DFND 12 0 2,950 0
XILINX COM 983919101 177 1,800 SH   DFND 15 0 1,800 0
XILINX COM 983919101 125 1,275 SH   DFND 16 0 1,275 0
XILINX COM 983919101 25 250 SH   DFND 14 0 250 0
XILINX COM 983919101 8 80 SH   DFND 6 0 80 0
XYLEM INC COM 98419M100 128 1,975 SH   SOLE   1,975 0 0
XYLEM INC COM 98419M100 1,384 21,310 SH   DFND 5 0 21,310 0
XYLEM INC COM 98419M100 97 1,500 SH   DFND 12 0 1,500 0
XYLEM INC COM 98419M100 531 8,180 SH   DFND 1 0 8,180 0
XYLEM INC COM 98419M100 151 2,332 SH   DFND 13 0 2,332 0
XYLEM INC COM 98419M100 114 1,750 SH   DFND 15 0 1,750 0
XYLEM INC COM 98419M100 110 1,700 SH   DFND 16 0 1,700 0
XYLEM INC COM 98419M100 32 500 SH   DFND 14 0 500 0
GABELLI UTILITES FUND CLASS A Equity Mutual Fu 36240E202 1,007 138,714 SH   DFND 1 0 138,714 0
VANGUARD TOTAL STOCK MARKET IN Equity Mutual Fu 922908728 320 4,201 SH   DFND 12 0 4,201 0