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
ISHARES LONG TERM CORP BOND ETF 10+ YR CR BD ETF 464289511 295 4,210 SH   DFND   4,210 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 55,998 1,023,533 SH   DFND   1,004,970 958 17,605
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 16,989 139,402 SH   DFND   137,296 123 1,983
GOLDMAN SACHS TREAS ACC ETF ACCES TREASURY 381430529 2,514 25,016 SH   DFND   24,242 0 774
GOLDMAN SACHS ACCESS INV GRADE CORP BOND ETF ACCESS INVT GR 381430479 1,876 34,044 SH   DFND   34,044 0 0
NOVO-NORDISK A/S SPONS ADR ADR 670100205 711 10,864 SH   DFND   10,864 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 2,779 1,960 SH   DFND   1,960 0 0
ALPHABET INC CL C CAP STK CL C 02079K107 4,197 2,969 SH   DFND   2,969 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 4,010 15 SH   DFND   15 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 10,425 39 SH   DFND   39 0 0
LITHIA MOTORS INC CL A CL A 536797103 300 1,985 SH   DFND   1,985 0 0
TWILIO INC - A CL A 90138F102 510 2,325 SH   DFND   2,325 0 0
ESTEE LAUDER COS INC CL A CL A 518439104 645 3,421 SH   DFND   3,421 0 0
MSC INDUSTRIAL DIRECT CO - A CL A 553530106 323 4,440 SH   DFND   4,440 0 0
FACEBOOK INC CL A 30303M102 1,840 8,103 SH   DFND   8,003 0 100
ZOETIS INC. CL A 98978V103 1,561 11,391 SH   DFND   11,391 0 0
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 660 12,907 SH   DFND   12,907 0 0
COMCAST CORP NEW COM CL A CL A 20030N101 130,707 3,353,186 SH   DFND   2,815,863 1,622 535,701
BROWN-FORMAN CORP CL B 115637209 447 7,025 SH   DFND   7,025 0 0
VIACOMCBS INC CL B 92556H206 275 11,790 SH   DFND   11,790 0 0
NIKE INC CL B CL B 654106103 2,095 21,369 SH   DFND   17,369 0 4,000
UNITED PARCEL SVC INC CL B CL B 911312106 44,317 398,601 SH   DFND   394,714 199 3,688
FOX CORP - CL B CL B COM 35137L204 285 10,611 SH   DFND   10,611 0 0
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 4,564 25,568 SH   DFND   24,468 0 1,100
MASTERCARD CLA 57636Q104 180,404 610,091 SH   DFND   509,958 380 99,753
L3HARRIS TECHNOLOGIES INC COM 502431109 210 1,240 SH   DFND   1,240 0 0
TRANSDIGM GROUP, INC. COM 893641100 575 1,300 SH   DFND   1,300 0 0
NETFLIX INC COM 64110L106 696 1,530 SH   DFND   1,530 0 0
AMAZON.COM INC COM 023135106 4,684 1,698 SH   DFND   1,698 0 0
LINDE PLC COM G5494J103 362 1,707 SH   DFND   1,707 0 0
HUBBELL INC COM 443510607 214 1,710 SH   DFND   1,710 0 0
CUMMINS INC COM 231021106 323 1,866 SH   DFND   1,866 0 0
FLEETCOR TECHNOLOGIES INC. COM 339041105 503 2,000 SH   DFND   2,000 0 0
DIGITAL REALTY TRUST COM 253868103 286 2,012 SH   DFND   2,012 0 0
AMETEK INC COM 031100100 265 2,965 SH   DFND   2,965 0 0
ALLSTATE CORP COM 020002101 297 3,065 SH   DFND   3,065 0 0
LILLY, ELI & COMPANY COM 532457108 534 3,251 SH   DFND   3,051 0 200
DOVER CORP COM 260003108 325 3,365 SH   DFND   3,365 0 0
DEERE & CO. COM 244199105 550 3,499 SH   DFND   3,499 0 0
CLOROX CO COM 189054109 791 3,606 SH   DFND   3,606 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 1,326 3,659 SH   DFND   3,659 0 0
FIDELITY NATIONAL INFO SVCS COM 31620M106 495 3,695 SH   DFND   3,695 0 0
PUBLIC STORAGE COM 74460D109 710 3,700 SH   DFND   3,700 0 0
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 958 3,750 SH   DFND   3,750 0 0
ANTHEM INC COM 036752103 991 3,770 SH   DFND   3,770 0 0
JACK HENRY & ASSOCIATES INC. COM 426281101 773 4,200 SH   DFND   3,900 300 0
CAMPBELL SOUP CO COM 134429109 212 4,274 SH   DFND   1,665 0 2,609
PAYCHEX INC COM 704326107 326 4,301 SH   DFND   4,301 0 0
ROSS STORES INC COM 778296103 396 4,640 SH   DFND   4,640 0 0
ZIMMER HLDGS INC COM 98956P102 556 4,658 SH   DFND   4,658 0 0
M & T BK CORP COM 55261F104 501 4,819 SH   DFND   4,819 0 0
TRAVELERS COMPANIES INC COM 89417E109 588 5,158 SH   DFND   2,325 0 2,833
SHERWIN WILLIAMS CO COM 824348106 3,080 5,330 SH   DFND   5,244 86 0
NORTHROP GRUMMAN CORP COM 666807102 1,669 5,430 SH   DFND   5,430 0 0
THE HERSHEY COMPANY COM 427866108 707 5,452 SH   DFND   5,452 0 0
CANADIAN NATL RAILWAY CO COM 136375102 500 5,650 SH   DFND   5,650 0 0
COPART, INC COM 217204106 471 5,654 SH   DFND   5,654 0 0
BOEING CO COM 097023105 1,052 5,741 SH   DFND   5,663 0 78
V F CORPORATION COM 918204108 358 5,874 SH   DFND   5,874 0 0
PAYPAL HOLDINGS, INC. COM 70450Y103 1,039 5,964 SH   DFND   5,789 175 0
INTERACTIVE BROKERS GROUP COM 45841N107 267 6,400 SH   DFND   6,400 0 0
CATERPILLAR INC COM 149123101 826 6,533 SH   DFND   6,283 0 250
INTL FLAVORS & FRAGRANCES COM 459506101 839 6,855 SH   DFND   6,730 0 125
EXELON CORP COM 30161N101 255 7,023 SH   DFND   7,023 0 0
FEDEX CORP COM 31428X106 994 7,088 SH   DFND   6,788 0 300
HANOVER FOODS CORP - CL A COM 41078W100 484 7,333 SH   DFND   7,333 0 0
SEI INVESTMENTS CO COM 784117103 412 7,500 SH   DFND   7,500 0 0
WALGREENS BOOTS ALLIANCE, INC COM 931427108 332 7,828 SH   DFND   7,828 0 0
FASTENAL COMPANY COM 311900104 343 8,000 SH   DFND   8,000 0 0
SOUTHERN CO COM 842587107 458 8,828 SH   DFND   8,828 0 0
NUVEEN PREFERRED & INCOME COM 67075T105 200 8,900 SH   DFND   8,900 0 0
TEXAS INSTRUMENTS INC COM 882508104 1,258 9,911 SH   DFND   9,911 0 0
CIGNA CORP COM 125523100 1,883 10,036 SH   DFND   10,036 0 0
PUBLIC SVC ENTERPRISES COM 744573106 522 10,613 SH   DFND   10,613 0 0
DANAHER CORP COM 235851102 2,162 12,224 SH   DFND   12,224 0 0
CITIZENS FINANCIAL COM 174610105 319 12,625 SH   DFND   12,625 0 0
STRYKER CORP COM 863667101 2,295 12,736 SH   DFND   12,736 0 0
CHUBB LTD COM H1467J104 1,623 12,817 SH   DFND   12,817 0 0
PHILLIPS 66 COM 718546104 932 12,969 SH   DFND   12,969 0 0
PNC FINANCIAL CORP COM 693475105 1,566 14,889 SH   DFND   14,889 0 0
PPL CORP COM COM 69351T106 394 15,236 SH   DFND   15,236 0 0
SYSCO CORP COM 871829107 844 15,446 SH   DFND   15,446 0 0
NEXTERA ENERGY INC COM 65339F101 3,874 16,129 SH   DFND   16,129 0 0
CONSOLIDATED EDISON INC COM 209115104 1,161 16,134 SH   DFND   16,134 0 0
OCCIDENTAL PETE CORP COM 674599105 295 16,144 SH   DFND   16,144 0 0
CHURCH & DWIGHT CO COM 171340102 1,266 16,376 SH   DFND   16,376 0 0
GENERAL MILLS INC COM 370334104 1,039 16,858 SH   DFND   13,958 0 2,900
NORFOLK SOUTHERN CORP COM 655844108 3,023 17,221 SH   DFND   17,221 0 0
DOMINION ENERGY INC COM 25746U109 1,416 17,446 SH   DFND   17,446 0 0
AMERICAN EXPRESS CO COM 025816109 1,824 19,160 SH   DFND   19,135 0 25
WALMART INC COM 931142103 2,311 19,290 SH   DFND   19,290 0 0
INTERNATIONAL BUSINESS MACHINES COM 459200101 2,495 20,663 SH   DFND   19,089 0 1,574
ILLINOIS TOOL WKS INC COM 452308109 3,686 21,081 SH   DFND   20,882 199 0
ESSENTIAL UTILITIES INC COM 29670G102 904 21,403 SH   DFND   19,446 0 1,957
QUALCOMM INC COM 747525103 1,960 21,494 SH   DFND   21,494 0 0
TARGET CORP COM 87612E106 2,857 23,819 SH   DFND   23,694 0 125
WASTE MGMT INC DEL COM 94106L109 2,644 24,964 SH   DFND   24,964 0 0
AFLAC COM 001055102 908 25,200 SH   DFND   25,200 0 0
NESTLE S A SPON ADR REG COM 641069406 2,864 25,931 SH   DFND   25,931 0 0
KROGER CO COM 501044101 902 26,637 SH   DFND   26,637 0 0
NUVEEN MA QUALITY MUNI INC FD COM 67061E104 378 27,500 SH   DFND   27,500 0 0
CONOCOPHILLIPS COM 20825C104 1,472 35,026 SH   DFND   35,026 0 0
LOCKHEED MARTIN CORP COM 539830109 14,272 39,111 SH   DFND   38,811 0 300
3M COMPANY COM 88579Y101 6,481 41,550 SH   DFND   30,250 0 11,300
GENERAL ELECTRIC COM 369604103 302 44,247 SH   DFND   44,247 0 0
EMERSON ELECTRIC CO COM 291011104 2,828 45,595 SH   DFND   42,095 0 3,500
COLGATE-PALMOLIVE CO COM 194162103 3,633 49,596 SH   DFND   37,126 0 12,470
KIMBERLY CLARK CORP COM 494368103 7,606 53,811 SH   DFND   52,551 0 1,260
UNION PACIFIC CORP COM 907818108 10,029 59,319 SH   DFND   57,809 0 1,510
AMGEN INC COM 031162100 14,619 61,982 SH   DFND   61,982 0 0
CHEMOURS COMPANY COM 163851108 980 63,861 SH   DFND   63,861 0 0
WELLS FARGO CO COM 949746101 1,934 75,553 SH   DFND   71,712 0 3,841
ABBOTT LABS COM 002824100 7,192 78,660 SH   DFND   66,758 0 11,902
BRISTOL MYERS SQUIBB CO COM 110122108 4,690 79,763 SH   DFND   78,563 0 1,200
ABBVIE INC. COM 00287Y109 8,523 86,811 SH   DFND   66,808 0 20,003
ENTERPRISE PRODUCTS PARTNERS COM 293792107 1,911 105,147 SH   DFND   105,147 0 0
HOME DEPOT INC COM 437076102 30,075 120,054 SH   DFND   116,449 0 3,605
AMERICAN TOWER CORP COM 03027X100 31,823 123,087 SH   DFND   121,534 216 1,337
AMERICAN ELECTRIC POWER COM 025537101 10,805 135,670 SH   DFND   134,829 0 841
CORTEVA INC COM 22052L104 3,957 147,702 SH   DFND   147,702 0 0
AT&T INC COM 00206R102 4,702 155,527 SH   DFND   152,575 0 2,952
GLATFELTER P H CO COM 377316104 2,602 162,145 SH   DFND   162,145 0 0
ALTRIA GROUP INC COM COM 02209S103 7,648 194,850 SH   DFND   192,906 0 1,944
EXXON MOBIL CORP COM 30231G102 8,927 199,631 SH   DFND   186,607 0 13,024
PROCTER & GAMBLE COM 742718109 27,579 230,649 SH   DFND   162,922 0 67,727
COSTCO WHSL CORP NEW COM COM 22160K105 70,632 232,947 SH   DFND   201,907 228 30,812
MCDONALDS CORP COM 580135101 48,875 264,947 SH   DFND   241,242 311 23,394
INTEL CORP COM 458140100 16,273 271,992 SH   DFND   269,692 0 2,300
AUTOMATIC DATA PROCESSING COM 053015103 43,868 294,637 SH   DFND   289,896 240 4,501
BLACKROCK INC COM 09247X101 171,443 315,100 SH   DFND   268,296 154 46,650
S&P GLOBAL INC COM 78409V104 105,954 321,578 SH   DFND   269,420 350 51,808
CHEVRON CORPORATION COM 166764100 31,712 355,396 SH   DFND   343,403 259 11,734
AIR PRODUCTS & CHEMICALS INC COM 009158106 92,079 381,341 SH   DFND   330,782 192 50,367
PFIZER INC COM 717081103 15,348 469,355 SH   DFND   457,836 0 11,519
GENUINE PARTS CO COM 372460105 40,978 471,228 SH   DFND   467,512 476 3,240
DOW INC COM 260557103 20,887 512,431 SH   DFND   510,681 0 1,750
PHILIP MORRIS INTL,INC COM 718172109 35,919 512,694 SH   DFND   508,410 616 3,668
UNITEDHEALTH GROUP INC COM 91324P102 151,809 514,696 SH   DFND   422,508 277 91,911
BECTON DICKINSON COM 075887109 132,938 555,600 SH   DFND   470,556 383 84,661
MERCK & CO COM 58933Y105 47,662 616,342 SH   DFND   600,755 778 14,809
DOLLAR GENERAL CORP COM 256677105 129,953 682,135 SH   DFND   583,842 452 97,841
HONEYWELL INTERNATIONAL, INC. COM 438516106 101,484 701,873 SH   DFND   608,463 485 92,925
APPLE INC COM 037833100 262,680 720,066 SH   DFND   620,147 461 99,458
VERIZON COMMUNICATIONS COM 92343V104 40,436 733,464 SH   DFND   722,892 503 10,069
TRUIST FINANCIAL CORP COM 89832Q109 36,664 976,413 SH   DFND   965,947 1,230 9,236
STARBUCKS CORP COM 855244109 75,093 1,020,423 SH   DFND   880,982 672 138,769
JOHNSON & JOHNSON COM 478160104 162,164 1,153,128 SH   DFND   986,408 826 165,894
CISCO SYS INC COM 17275R102 54,226 1,162,656 SH   DFND   1,153,928 944 7,784
PEPSICO INC COM 713448108 155,532 1,175,960 SH   DFND   1,007,360 477 168,123
BAXTER INTL INC COM 071813109 103,077 1,197,182 SH   DFND   1,011,049 563 185,570
LOWES COS INC COM 548661107 184,491 1,365,387 SH   DFND   1,142,896 600 221,891
MICROSOFT CORP COM 594918104 289,757 1,423,796 SH   DFND   1,267,614 800 155,382
J.P. MORGAN CHASE & CO COM 46625H100 135,885 1,444,666 SH   DFND   1,233,969 896 209,801
ORACLE SYS CORP COM 68389X105 90,718 1,641,363 SH   DFND   1,373,607 811 266,945
COCA-COLA CO COM 191216100 77,531 1,735,261 SH   DFND   1,479,943 871 254,447
DUPONT DE NEMOURS INC COM 26614N102 104,114 1,959,614 SH   DFND   1,738,149 1,057 220,408
CVS HEALTH CORPORATION COM 126650100 148,985 2,293,133 SH   DFND   2,021,022 1,264 270,847
TJX COS INC NEW COM 872540109 129,496 2,561,233 SH   DFND   2,132,823 1,214 427,196
CME GROUP INC. COM CL A 12572Q105 210 1,294 SH   DFND   1,294 0 0
VISA IN - CLASS A COM CL A 92826C839 2,373 12,285 SH   DFND   12,285 0 0
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 116,172 1,041,812 SH   DFND   869,351 554 171,907
DUKE ENERGY CORP COM NEW 26441C204 1,079 13,507 SH   DFND   13,507 0 0
U S BANCORP COM NEW 902973304 1,243 33,760 SH   DFND   23,260 0 10,500
MCCORMICK & CO COM NON VTG 579780206 260 1,450 SH   DFND   1,450 0 0
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 393 9,095 SH   DFND   9,095 0 0
ENERGY TRANSFER COM UT LTD PTN 29273V100 772 108,367 SH   DFND   108,367 0 0
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 870 16,101 SH   DFND   16,101 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 108,931 1,905,716 SH   DFND   1,847,964 2,162 55,590
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 252,209 5,298,506 SH   DFND   5,178,085 6,448 113,973
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,103 20,230 SH   DFND   19,905 0 325
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 139,974 451,981 SH   DFND   446,801 476 4,704
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 81,227 456,791 SH   DFND   445,152 449 11,190
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 145,836 2,135,532 SH   DFND   2,084,032 2,109 49,391
ISHARES CORE TOTAL U.S. BOND MARKET ETF CORE US AGGBD ET 464287226 378 3,195 SH   DFND   3,195 0 0
VANGUARD DIVIDEND DIV APP ETF 921908844 17,659 150,702 SH   DFND   150,702 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 261 3,136 SH   DFND   3,136 0 0
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 1,431 27,525 SH   DFND   27,525 0 0
COLUMBIA EMERGING MARKETS CONSUMER ETF EMRG MARKETS ETF 19762B509 366 16,025 SH   DFND   16,025 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXPANDED TECH 464287515 277 975 SH   DFND   975 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 1,955 38,653 SH   DFND   38,653 0 0
FNF GROUP FNF GROUP COM 31620R303 276 8,990 SH   DFND   8,990 0 0
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 5,286 136,275 SH   DFND   136,275 0 0
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 5,723 144,481 SH   DFND   144,435 0 46
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 625 12,413 SH   DFND   12,413 0 0
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 39,730 411,199 SH   DFND   399,128 587 11,484
SPDR GOLD TRUST GOLD SHS 78463V107 1,674 10,000 SH   DFND   10,000 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 502 2,482 SH   DFND   2,482 0 0
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 1,251 15,883 SH   DFND   15,883 0 0
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 410 5,023 SH   DFND   5,023 0 0
ISHARES IBOXX $ INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 1,016 7,551 SH   DFND   6,911 0 640
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 2,970 10,655 SH   DFND   10,655 0 0
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 63,191 992,790 SH   DFND   973,040 1,028 18,722
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 45,547 754,332 SH   DFND   740,875 788 12,669
WISDOMTREE DEFA FUND INTL EQUITY FD 97717W703 430 9,720 SH   DFND   9,720 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 511 20,337 SH   DFND   20,337 0 0
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 631 5,362 SH   DFND   5,362 0 0
WISDOMTREE JAPAN HEDGED EQUITY FUND JAPN HEDGE EQT 97717W851 273 5,807 SH   DFND   5,807 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 72,607 655,891 SH   DFND   642,251 432 13,208
VANGUARD MID-CAP ETF MID CAP ETF 922908629 928 5,659 SH   DFND   5,659 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,068 14,494 SH   DFND   14,494 0 0
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 10,750 248,613 SH   DFND   192,218 125 56,270
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 1,132 18,589 SH   DFND   18,531 0 58
UNILEVER N V WI N Y SHS NEW 904784709 2,687 50,444 SH   DFND   33,209 0 17,235
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 885 7,670 SH   DFND   7,670 0 0
VANGUARD REIT ETF REIT ETF 922908553 3,934 50,096 SH   DFND   50,096 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 283 1,649 SH   DFND   1,649 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 4,205 21,909 SH   DFND   21,909 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 647 5,743 SH   DFND   5,743 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 1,119 5,407 SH   DFND   5,407 0 0
ISHARES RUSSELL MID CAP VALUE INDEX FUND RUS MDCP VAL ETF 464287473 289 3,771 SH   DFND   3,771 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 1,242 7,855 SH   DFND   7,855 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 1,185 22,104 SH   DFND   22,104 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 2,218 15,491 SH   DFND   15,491 0 0
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 261 1,450 SH   DFND   1,450 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 4,060 14,324 SH   DFND   14,324 0 0
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 1,495 7,204 SH   DFND   7,204 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 290 3,182 SH   DFND   3,182 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 7,914 77,772 SH   DFND   77,772 0 0
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 834 14,788 SH   DFND   14,788 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 3,935 48,746 SH   DFND   48,746 0 0
ISHARES S&P SHORT TERM NATIONAL AMT-FREE MUNICIPAL SHRT NAT MUN ETF 464288158 604 5,597 SH   DFND   5,597 0 0
EATON CORP, PLC SHS G29183103 8,630 98,654 SH   DFND   97,682 0 972
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 6,706 196,424 SH   DFND   195,546 0 878
MEDTRONIC PLC SHS G5960L103 74,348 810,773 SH   DFND   723,392 593 86,788
ACCENTURE LTD SHS CLASS A G1151C101 164,813 767,574 SH   DFND   632,836 427 134,311
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 4,641 92,800 SH   DFND   92,800 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 1,591 10,915 SH   DFND   10,915 0 0
SAP SE SPONSORED ADR SPON ADR 803054204 831 5,937 SH   DFND   5,937 0 0
ROYAL DUTCH SHELL PLC - ADR SPON ADR B 780259107 6,400 210,183 SH   DFND   208,751 0 1,432
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 22,307 165,987 SH   DFND   164,465 282 1,240
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 9,320 169,829 SH   DFND   169,229 0 600
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 840 25,708 SH   DFND   25,008 0 700
NOVARTIS AG - ADR SPONSORED ADR 66987V109 3,074 35,196 SH   DFND   34,196 0 1,000
BP PLC SPONSORED ADR 055622104 1,684 72,213 SH   DFND   72,213 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 14,903 365,358 SH   DFND   270,514 806 94,038
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 15,755 478,741 SH   DFND   473,377 357 5,007
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 321 3,068 SH   DFND   3,068 0 0
ISHARES BARCLAYS TIPS BOND FUND TIPS BD ETF 464287176 392 3,187 SH   DFND   3,187 0 0
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 31,360 200,343 SH   DFND   200,343 0 0
SPDR TR UNIT SER 1 TR UNIT 78462F103 44,595 144,619 SH   DFND   104,144 0 40,475
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 768 22,168 SH   DFND   22,168 0 0
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 4,431 17,897 SH   DFND   17,897 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 284 1,473 SH   DFND   1,473 0 0
ISHARES US TREASURY BOND ETF US TREAS BD ETF 46429B267 443 15,818 SH   DFND   15,818 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 1,667 5,138 SH   DFND   5,138 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 524 5,257 SH   DFND   5,257 0 0
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 4,112 83,619 SH   DFND   83,619 0 0
REGENERON PHARMACEUTICALS COM 75886F107 249 400 SH   DFND   400 0 0
ISHARES TR S&P MC 400GR ETF 464287606 208 928 SH   DFND   928 0 0
INVESCO S&P 500 EQUAL WEIGHT S&P500 EQL TEC 46137V282 219 1,100 SH   DFND   1,100 0 0
VANGUARD LARGE - CAP ETF LARGE CAP ETF 922908637 213 1,490 SH   DFND   1,490 0 0
VANGUARD MID-CAP GROWTH ETF MCAP GR IDXVIP 922908538 260 1,574 SH   DFND   1,574 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 212 2,230 SH   DFND   2,230 0 0
PROGRESSIVE CORP OHIO COM 743315103 205 2,558 SH   DFND   2,558 0 0
ISHARES DJ US TECHNOLOGY SECTOR INDEX FUND U.S. TECH ETF 464287721 748 2,772 SH   DFND   2,772 0 0
BLACK KNIGHT INC COM 09215C105 219 3,023 SH   DFND   3,023 0 0
PPG INDS INC COM 693506107 385 3,628 SH   DFND   3,628 0 0
MICROCHIP TECHNOLOGY COM 595017104 469 4,450 SH   DFND   4,450 0 0
SCHWAB US DVD EQUITY ETF US DIVIDEND EQ 808524797 240 4,644 SH   DFND   4,644 0 0
VANGUARD ESG US STOCK ETF ESG US STK ETF 921910733 367 6,500 SH   DFND   6,500 0 0
OTIS WORLDWIDE CORP COM 68902V107 417 7,339 SH   DFND   6,989 0 350
VANGUARD ESG INTL STOCK ETF ESG INTL STK ETF 921910725 524 10,889 SH   DFND   10,889 0 0
UGI CORP NEW COM 902681105 358 11,250 SH   DFND   11,250 0 0
ISHARES MSCI EMERGING MARKETS INDEX FUND MSCI EMG MKT ETF 464287234 484 12,101 SH   DFND   12,101 0 0
PEOPLES FINANCIAL SERVICES CORP. COM 711040105 501 13,127 SH   DFND   13,127 0 0
CARRIER GLOBAL CORP COM 14448C104 326 14,683 SH   DFND   13,983 0 700
NUVEEN ESG EMERGING MARKETS NUVEEN ESG EMRGN 67092P888 537 21,500 SH   DFND   21,500 0 0
REPUBLIC FIRST BANCORP INC COM 760416107 114 46,565 SH   DFND   46,565 0 0
ISHARES ULTRA SHORT-TERM BOND ULTR SH TRM BD 46434V878 5,750 113,736 SH   DFND   113,736 0 0
ECOLAB INC COM 278865100 67,431 338,934 SH   DFND   292,909 315 45,710
RAYTHEON TECHNOLOGIES CORP COM 75513E101 80,941 1,313,557 SH   DFND   1,122,284 693 190,580