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 1,448 7,515 SH   SOLE   7,515 0 0
3M COM 88579Y101 2,159 11,204 SH   DFND 7 0 11,204 0
3M COM 88579Y101 202 1,050 SH   DFND 6 0 1,050 0
3M COM 88579Y101 1,058 5,490 SH   DFND 5 0 5,490 0
3M COM 88579Y101 82 425 SH   DFND 07,13 0 425 0
ABBOTT LABS COM 002824100 1,031 8,599 SH   SOLE   8,599 0 0
ABBOTT LABS COM 002824100 325 2,712 SH   DFND 6 0 2,712 0
ABBOTT LABS COM 002824100 5,807 48,455 SH   DFND 7 0 48,455 0
ABBOTT LABS COM 002824100 3,587 29,929 SH   DFND 5 0 29,929 0
ABBOTT LABS COM 002824100 66 550 SH   DFND 12 0 550 0
ABBOTT LABS COM 002824100 39 325 SH   DFND 07,13 0 325 0
ABBOTT LABS COM 002824100 183 1,525 SH   DFND 13 0 1,525 0
ABBVIE COM 00287Y109 275 2,542 SH   SOLE   2,542 0 0
ABBVIE COM 00287Y109 309 2,855 SH   DFND 7 0 2,855 0
ABBVIE COM 00287Y109 36 330 SH   DFND 6 0 330 0
ABBVIE COM 00287Y109 1,122 10,370 SH   DFND 5 0 10,370 0
ALPHABET INC CL A COM 02079K305 1,027 498 SH   SOLE   498 0 0
ALPHABET INC CL A COM 02079K305 419 203 SH   DFND 6 0 203 0
ALPHABET INC CL A COM 02079K305 8,840 4,286 SH   DFND 7 0 4,286 0
ALPHABET INC CL A COM 02079K305 3,702 1,795 SH   DFND 5 0 1,795 0
ALPHABET INC CL A COM 02079K305 83 40 SH   DFND 12 0 40 0
ALPHABET INC CL A COM 02079K305 140 68 SH   DFND 07,13 0 68 0
ALPHABET INC CL A COM 02079K305 206 100 SH   DFND 13 0 100 0
AMAZON.COM COM 023135106 684 221 SH   SOLE   221 0 0
AMAZON.COM COM 023135106 2,095 677 SH   DFND 7 0 677 0
AMAZON.COM COM 023135106 164 53 SH   DFND 6 0 53 0
AMAZON.COM COM 023135106 2,265 732 SH   DFND 5 0 732 0
AMAZON.COM COM 023135106 62 20 SH   DFND 12 0 20 0
AMAZON.COM COM 023135106 84 27 SH   DFND 07,13 0 27 0
AMAZON.COM COM 023135106 139 45 SH   DFND 13 0 45 0
ANALOG DEVICES COM 032654105 879 5,665 SH   SOLE   5,665 0 0
ANALOG DEVICES COM 032654105 306 1,973 SH   DFND 6 0 1,973 0
ANALOG DEVICES COM 032654105 7,231 46,629 SH   DFND 7 0 46,629 0
ANALOG DEVICES COM 032654105 2,679 17,276 SH   DFND 5 0 17,276 0
ANALOG DEVICES COM 032654105 66 425 SH   DFND 12 0 425 0
ANALOG DEVICES COM 032654105 109 700 SH   DFND 07,13 0 700 0
ANALOG DEVICES COM 032654105 178 1,150 SH   DFND 13 0 1,150 0
APPLE INC COM 037833100 1,288 10,541 SH   SOLE   10,541 0 0
APPLE INC COM 037833100 569 4,662 SH   DFND 6 0 4,662 0
APPLE INC COM 037833100 11,424 93,527 SH   DFND 7 0 93,527 0
APPLE INC COM 037833100 4,161 34,061 SH   DFND 5 0 34,061 0
APPLE INC COM 037833100 86 700 SH   DFND 12 0 700 0
APPLE INC COM 037833100 183 1,500 SH   DFND 07,13 0 1,500 0
APPLE INC COM 037833100 208 1,700 SH   DFND 13 0 1,700 0
APTARGROUP COM 038336103 1,036 7,315 SH   SOLE   7,315 0 0
APTARGROUP COM 038336103 270 1,905 SH   DFND 6 0 1,905 0
APTARGROUP COM 038336103 3,117 22,004 SH   DFND 5 0 22,004 0
APTARGROUP COM 038336103 5,522 38,976 SH   DFND 7 0 38,976 0
APTARGROUP COM 038336103 43 300 SH   DFND 12 0 300 0
APTARGROUP COM 038336103 128 900 SH   DFND 07,13 0 900 0
APTARGROUP COM 038336103 131 925 SH   DFND 13 0 925 0
AUTOMATIC DATA PROCESSING COM 053015103 995 5,280 SH   SOLE   5,280 0 0
AUTOMATIC DATA PROCESSING COM 053015103 361 1,917 SH   DFND 6 0 1,917 0
AUTOMATIC DATA PROCESSING COM 053015103 5,163 27,395 SH   DFND 7 0 27,395 0
AUTOMATIC DATA PROCESSING COM 053015103 3,104 16,469 SH   DFND 5 0 16,469 0
AUTOMATIC DATA PROCESSING COM 053015103 61 325 SH   DFND 12 0 325 0
AUTOMATIC DATA PROCESSING COM 053015103 113 600 SH   DFND 07,13 0 600 0
AUTOMATIC DATA PROCESSING COM 053015103 161 855 SH   DFND 13 0 855 0
BAXTER INTERNTL COM 071813109 320 3,800 SH   DFND 7 0 3,800 0
BECTON DICKINSON COM 075887109 475 1,954 SH   SOLE   1,954 0 0
BECTON DICKINSON COM 075887109 33 137 SH   DFND 6 0 137 0
BECTON DICKINSON COM 075887109 2,135 8,780 SH   DFND 7 0 8,780 0
BECTON DICKINSON COM 075887109 1,125 4,625 SH   DFND 5 0 4,625 0
BECTON DICKINSON COM 075887109 43 175 SH   DFND 12 0 175 0
BECTON DICKINSON COM 075887109 55 225 SH   DFND 07,13 0 225 0
BECTON DICKINSON COM 075887109 109 450 SH   DFND 13 0 450 0
BRISTOL-MYERS SQUIBB COM 110122108 739 11,700 SH   DFND 5 0 11,700 0
CANADIAN NATL RAILWAY COM 136375102 1,298 11,193 SH   SOLE   11,193 0 0
CANADIAN NATL RAILWAY COM 136375102 375 3,230 SH   DFND 6 0 3,230 0
CANADIAN NATL RAILWAY COM 136375102 6,586 56,782 SH   DFND 7 0 56,782 0
CANADIAN NATL RAILWAY COM 136375102 3,322 28,643 SH   DFND 5 0 28,643 0
CANADIAN NATL RAILWAY COM 136375102 64 550 SH   DFND 12 0 550 0
CANADIAN NATL RAILWAY COM 136375102 136 1,175 SH   DFND 07,13 0 1,175 0
CANADIAN NATL RAILWAY COM 136375102 157 1,350 SH   DFND 13 0 1,350 0
CHEVRON COM 166764100 327 3,117 SH   SOLE   3,117 0 0
CHEVRON COM 166764100 93 888 SH   DFND 6 0 888 0
CHEVRON COM 166764100 1,722 16,429 SH   DFND 5 0 16,429 0
CHEVRON COM 166764100 594 5,668 SH   DFND 7 0 5,668 0
CHEVRON COM 166764100 37 350 SH   DFND 12 0 350 0
CHEVRON COM 166764100 73 700 SH   DFND 07,13 0 700 0
CHEVRON COM 166764100 101 960 SH   DFND 13 0 960 0
CHUBB LIMITED COM H1467J104 16 100 SH   SOLE   100 0 0
CHUBB LIMITED COM H1467J104 2,811 17,795 SH   DFND 7 0 17,795 0
CHUBB LIMITED COM H1467J104 174 1,100 SH   DFND 5 0 1,100 0
CHURCH & DWIGHT COM 171340102 5 60 SH   DFND 6 0 60 0
CHURCH & DWIGHT COM 171340102 519 5,940 SH   DFND 7 0 5,940 0
CHURCH & DWIGHT COM 171340102 105 1,198 SH   DFND 5 0 1,198 0
CIGNA CORP NEW COM 125523100 205 848 SH   SOLE   848 0 0
CIGNA CORP NEW COM 125523100 314 1,300 SH   DFND 7 0 1,300 0
CISCO SYS INC COM 17275R102 250 4,825 SH   SOLE   4,825 0 0
CISCO SYS INC COM 17275R102 1,655 32,015 SH   DFND 7 0 32,015 0
CISCO SYS INC COM 17275R102 213 4,120 SH   DFND 5 0 4,120 0
CISCO SYS INC COM 17275R102 39 750 SH   DFND 6 0 750 0
CISCO SYS INC COM 17275R102 72 1,400 SH   DFND 13 0 1,400 0
COCA COLA COM 191216100 86 1,630 SH   SOLE   1,630 0 0
COCA COLA COM 191216100 179 3,400 SH   DFND 6 0 3,400 0
COCA COLA COM 191216100 240 4,550 SH   DFND 7 0 4,550 0
COCA COLA COM 191216100 163 3,100 SH   DFND 5 0 3,100 0
CONOCOPHILLIPS COM 20825C104 57 1,069 SH   SOLE   1,069 0 0
CONOCOPHILLIPS COM 20825C104 160 3,015 SH   DFND 5 0 3,015 0
CSX COM 126408103 328 3,400 SH   DFND 6 0 3,400 0
CVS HEALTH COM 126650100 366 4,864 SH   SOLE   4,864 0 0
CVS HEALTH COM 126650100 1,467 19,502 SH   DFND 5 0 19,502 0
CVS HEALTH COM 126650100 2,521 33,515 SH   DFND 7 0 33,515 0
CVS HEALTH COM 126650100 80 1,062 SH   DFND 6 0 1,062 0
CVS HEALTH COM 126650100 30 400 SH   DFND 12 0 400 0
CVS HEALTH COM 126650100 45 600 SH   DFND 07,13 0 600 0
CVS HEALTH COM 126650100 71 950 SH   DFND 13 0 950 0
CYCLERION THERAPEUTICS INC COM 23255M105 3 1,000 SH   SOLE   1,000 0 0
CYCLERION THERAPEUTICS INC COM 23255M105 87 31,175 SH   DFND 7 0 31,175 0
DANAHER CORP COM 235851102 1,022 4,540 SH   SOLE   4,540 0 0
DANAHER CORP COM 235851102 220 979 SH   DFND 6 0 979 0
DANAHER CORP COM 235851102 9,675 42,985 SH   DFND 7 0 42,985 0
DANAHER CORP COM 235851102 2,951 13,112 SH   DFND 5 0 13,112 0
DANAHER CORP COM 235851102 73 325 SH   DFND 12 0 325 0
DANAHER CORP COM 235851102 118 525 SH   DFND 07,13 0 525 0
DANAHER CORP COM 235851102 180 800 SH   DFND 13 0 800 0
DEERE & CO COM 244199105 131 350 SH   SOLE   350 0 0
DEERE & CO COM 244199105 195 520 SH   DFND 7 0 520 0
DEERE & CO COM 244199105 37 100 SH   DFND 07,13 0 100 0
DENALI THERAPEUTICS INC COM 24823R105 228 4,000 SH   DFND 7 0 4,000 0
DISNEY COM 254687106 681 3,689 SH   SOLE   3,689 0 0
DISNEY COM 254687106 160 867 SH   DFND 6 0 867 0
DISNEY COM 254687106 4,393 23,810 SH   DFND 7 0 23,810 0
DISNEY COM 254687106 1,904 10,316 SH   DFND 5 0 10,316 0
DISNEY COM 254687106 65 350 SH   DFND 12 0 350 0
DISNEY COM 254687106 101 550 SH   DFND 07,13 0 550 0
DISNEY COM 254687106 152 825 SH   DFND 13 0 825 0
DOW CHEMICAL COMPANY COM 260557103 58 912 SH   SOLE   912 0 0
DOW CHEMICAL COMPANY COM 260557103 125 1,950 SH   DFND 7 0 1,950 0
DOW CHEMICAL COMPANY COM 260557103 61 960 SH   DFND 5 0 960 0
ELI LILLY & CO COM 532457108 3 16 SH   SOLE   16 0 0
ELI LILLY & CO COM 532457108 224 1,200 SH   DFND 7 0 1,200 0
ELI LILLY & CO COM 532457108 3 16 SH   DFND 6 0 16 0
ELI LILLY & CO COM 532457108 23 125 SH   DFND 07,13 0 125 0
EXXON MOBIL COM 30231G102 279 5,005 SH   SOLE   5,005 0 0
EXXON MOBIL COM 30231G102 697 12,489 SH   DFND 7 0 12,489 0
EXXON MOBIL COM 30231G102 215 3,850 SH   DFND 6 0 3,850 0
EXXON MOBIL COM 30231G102 1,223 21,907 SH   DFND 5 0 21,907 0
EXXON MOBIL COM 30231G102 21 375 SH   DFND 07,13 0 375 0
FISERV COM 337738108 837 7,035 SH   SOLE   7,035 0 0
FISERV COM 337738108 6,065 50,952 SH   DFND 7 0 50,952 0
FISERV COM 337738108 139 1,168 SH   DFND 6 0 1,168 0
FISERV COM 337738108 1,584 13,304 SH   DFND 5 0 13,304 0
FISERV COM 337738108 48 400 SH   DFND 12 0 400 0
FISERV COM 337738108 107 900 SH   DFND 07,13 0 900 0
FISERV COM 337738108 467 3,925 SH   DFND 13 0 3,925 0
GENERAL ELECTRIC COM 369604103 39 3,000 SH   SOLE   3,000 0 0
GENERAL ELECTRIC COM 369604103 168 12,775 SH   DFND 7 0 12,775 0
GENERAL ELECTRIC COM 369604103 138 10,500 SH   DFND 5 0 10,500 0
GENERAL ELECTRIC COM 369604103 34 2,600 SH   DFND 07,13 0 2,600 0
GENERAL MILLS COM 370334104 61 1,000 SH   SOLE   1,000 0 0
GENERAL MILLS COM 370334104 184 3,000 SH   DFND 6 0 3,000 0
GRAYSCALE BITCOIN TR BTC COM 389637109 365 7,300 SH   DFND 5 0 7,300 0
HARTFORD FINL SVCS COM 416515104 220 3,300 SH   DFND 7 0 3,300 0
HOME DEPOT COM 437076102 730 2,390 SH   SOLE   2,390 0 0
HOME DEPOT COM 437076102 5,049 16,540 SH   DFND 7 0 16,540 0
HOME DEPOT COM 437076102 169 555 SH   DFND 6 0 555 0
HOME DEPOT COM 437076102 2,644 8,662 SH   DFND 5 0 8,662 0
HOME DEPOT COM 437076102 46 150 SH   DFND 12 0 150 0
HOME DEPOT COM 437076102 137 450 SH   DFND 07,13 0 450 0
HOME DEPOT COM 437076102 61 200 SH   DFND 13 0 200 0
HONEYWELL INTL COM 438516106 760 3,500 SH   SOLE   3,500 0 0
HONEYWELL INTL COM 438516106 7 30 SH   DFND 6 0 30 0
HONEYWELL INTL COM 438516106 1,559 7,180 SH   DFND 7 0 7,180 0
HONEYWELL INTL COM 438516106 1,928 8,883 SH   DFND 5 0 8,883 0
HONEYWELL INTL COM 438516106 22 100 SH   DFND 12 0 100 0
ILLUMINA COM 452327109 247 642 SH   SOLE   642 0 0
ILLUMINA COM 452327109 1,254 3,264 SH   DFND 5 0 3,264 0
ILLUMINA COM 452327109 25 65 SH   DFND 6 0 65 0
ILLUMINA COM 452327109 3,604 9,385 SH   DFND 7 0 9,385 0
ILLUMINA COM 452327109 48 125 SH   DFND 12 0 125 0
ILLUMINA COM 452327109 38 100 SH   DFND 07,13 0 100 0
ILLUMINA COM 452327109 77 200 SH   DFND 13 0 200 0
INGERSOLL RAND INC COM 45687V106 216 4,385 SH   DFND 5 0 4,385 0
INT'L FLAVORS & FRAGRANCES COM 459506101 48 342 SH   SOLE   342 0 0
INT'L FLAVORS & FRAGRANCES COM 459506101 103 735 SH   DFND 7 0 735 0
INT'L FLAVORS & FRAGRANCES COM 459506101 50 361 SH   DFND 5 0 361 0
INTEL CORP COM 458140100 408 6,374 SH   SOLE   6,374 0 0
INTEL CORP COM 458140100 242 3,780 SH   DFND 6 0 3,780 0
INTEL CORP COM 458140100 2,630 41,095 SH   DFND 7 0 41,095 0
INTEL CORP COM 458140100 2,061 32,200 SH   DFND 5 0 32,200 0
INTEL CORP COM 458140100 74 1,150 SH   DFND 07,13 0 1,150 0
INTL BUSINESS MACH COM 459200101 210 1,575 SH   DFND 5 0 1,575 0
INTL BUSINESS MACH COM 459200101 13 97 SH   DFND 6 0 97 0
INTL BUSINESS MACH COM 459200101 33 250 SH   DFND 07,13 0 250 0
IRONWOOD PHARMACEUTICALS COM 46333X108 112 10,000 SH   SOLE   10,000 0 0
IRONWOOD PHARMACEUTICALS COM 46333X108 1,589 142,100 SH   DFND 7 0 142,100 0
JOHNSON & JOHNSON COM 478160104 1,129 6,870 SH   SOLE   6,870 0 0
JOHNSON & JOHNSON COM 478160104 340 2,070 SH   DFND 6 0 2,070 0
JOHNSON & JOHNSON COM 478160104 5,914 35,985 SH   DFND 7 0 35,985 0
JOHNSON & JOHNSON COM 478160104 3,245 19,742 SH   DFND 5 0 19,742 0
JOHNSON & JOHNSON COM 478160104 49 300 SH   DFND 12 0 300 0
JOHNSON & JOHNSON COM 478160104 127 775 SH   DFND 07,13 0 775 0
JOHNSON & JOHNSON COM 478160104 82 500 SH   DFND 13 0 500 0
KONINKLIJKE DSM NV COM 780249108 204 4,785 SH   SOLE   4,785 0 0
KONINKLIJKE DSM NV COM 780249108 24 554 SH   DFND 6 0 554 0
KONINKLIJKE DSM NV COM 780249108 411 9,640 SH   DFND 7 0 9,640 0
KONINKLIJKE DSM NV COM 780249108 646 15,180 SH   DFND 5 0 15,180 0
KONINKLIJKE DSM NV COM 780249108 34 800 SH   DFND 12 0 800 0
KONINKLIJKE DSM NV COM 780249108 27 625 SH   DFND 07,13 0 625 0
KONINKLIJKE DSM NV COM 780249108 34 800 SH   DFND 13 0 800 0
MASTERCARD COM 57636Q104 933 2,621 SH   SOLE   2,621 0 0
MASTERCARD COM 57636Q104 335 940 SH   DFND 6 0 940 0
MASTERCARD COM 57636Q104 9,239 25,949 SH   DFND 7 0 25,949 0
MASTERCARD COM 57636Q104 3,321 9,328 SH   DFND 5 0 9,328 0
MASTERCARD COM 57636Q104 53 150 SH   DFND 12 0 150 0
MASTERCARD COM 57636Q104 135 380 SH   DFND 07,13 0 380 0
MASTERCARD COM 57636Q104 183 515 SH   DFND 13 0 515 0
MCDONALDS CORP COM 580135101 56 250 SH   SOLE   250 0 0
MCDONALDS CORP COM 580135101 134 600 SH   DFND 7 0 600 0
MCDONALDS CORP COM 580135101 56 250 SH   DFND 6 0 250 0
MERCK COM 58933Y105 52 675 SH   SOLE   675 0 0
MERCK COM 58933Y105 321 4,160 SH   DFND 7 0 4,160 0
MERCK COM 58933Y105 348 4,515 SH   DFND 5 0 4,515 0
MERCK COM 58933Y105 8 100 SH   DFND 07,13 0 100 0
MICROSOFT CORP COM 594918104 575 2,440 SH   SOLE   2,440 0 0
MICROSOFT CORP COM 594918104 226 960 SH   DFND 6 0 960 0
MICROSOFT CORP COM 594918104 3,419 14,501 SH   DFND 5 0 14,501 0
MICROSOFT CORP COM 594918104 7,298 30,956 SH   DFND 7 0 30,956 0
MICROSOFT CORP COM 594918104 77 325 SH   DFND 12 0 325 0
MICROSOFT CORP COM 594918104 71 300 SH   DFND 07,13 0 300 0
MICROSOFT CORP COM 594918104 35 150 SH   DFND 13 0 150 0
NESTLE SA ADR COM 641069406 838 7,517 SH   SOLE   7,517 0 0
NESTLE SA ADR COM 641069406 5,624 50,431 SH   DFND 7 0 50,431 0
NESTLE SA ADR COM 641069406 334 2,992 SH   DFND 6 0 2,992 0
NESTLE SA ADR COM 641069406 2,812 25,216 SH   DFND 5 0 25,216 0
NESTLE SA ADR COM 641069406 67 600 SH   DFND 12 0 600 0
NESTLE SA ADR COM 641069406 125 1,125 SH   DFND 07,13 0 1,125 0
NESTLE SA ADR COM 641069406 139 1,250 SH   DFND 13 0 1,250 0
NEXTERA ENERGY COM 65339F101 76 1,000 SH   SOLE   1,000 0 0
NEXTERA ENERGY COM 65339F101 151 2,000 SH   DFND 6 0 2,000 0
NEXTERA ENERGY COM 65339F101 60 800 SH   DFND 07,13 0 800 0
NIKE INC CLASS B COM 654106103 215 1,615 SH   SOLE   1,615 0 0
NIKE INC CLASS B COM 654106103 88 661 SH   DFND 6 0 661 0
NIKE INC CLASS B COM 654106103 1,588 11,950 SH   DFND 7 0 11,950 0
NIKE INC CLASS B COM 654106103 258 1,943 SH   DFND 5 0 1,943 0
NIKE INC CLASS B COM 654106103 43 325 SH   DFND 07,13 0 325 0
NIKE INC CLASS B COM 654106103 53 400 SH   DFND 13 0 400 0
NOVARTIS AG ADR COM 66987V109 707 8,274 SH   SOLE   8,274 0 0
NOVARTIS AG ADR COM 66987V109 299 3,499 SH   DFND 6 0 3,499 0
NOVARTIS AG ADR COM 66987V109 3,829 44,798 SH   DFND 7 0 44,798 0
NOVARTIS AG ADR COM 66987V109 2,218 25,952 SH   DFND 5 0 25,952 0
NOVARTIS AG ADR COM 66987V109 47 550 SH   DFND 12 0 550 0
NOVARTIS AG ADR COM 66987V109 94 1,100 SH   DFND 07,13 0 1,100 0
NOVARTIS AG ADR COM 66987V109 103 1,200 SH   DFND 13 0 1,200 0
NOVO NORDISK A S ADR COM 670100205 162 2,400 SH   SOLE   2,400 0 0
NOVO NORDISK A S ADR COM 670100205 130 1,925 SH   DFND 7 0 1,925 0
NOVOZYMES A S DKK 2.0 COM B798FW902 277 4,335 SH   SOLE   4,335 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 1,351 21,152 SH   DFND 5 0 21,152 0
NOVOZYMES A S DKK 2.0 COM B798FW902 4,139 64,802 SH   DFND 7 0 64,802 0
NVIDIA CORP COM 67066G104 332 621 SH   SOLE   621 0 0
NVIDIA CORP COM 67066G104 1,144 2,143 SH   DFND 7 0 2,143 0
NVIDIA CORP COM 67066G104 2,758 5,166 SH   DFND 5 0 5,166 0
NVIDIA CORP COM 67066G104 72 135 SH   DFND 12 0 135 0
NVIDIA CORP COM 67066G104 5 10 SH   DFND 6 0 10 0
NVIDIA CORP COM 67066G104 85 160 SH   DFND 07,13 0 160 0
PAYPAL HOLDINGS COM 70450Y103 739 3,045 SH   SOLE   3,045 0 0
PAYPAL HOLDINGS COM 70450Y103 151 621 SH   DFND 6 0 621 0
PAYPAL HOLDINGS COM 70450Y103 7,158 29,478 SH   DFND 7 0 29,478 0
PAYPAL HOLDINGS COM 70450Y103 2,689 11,075 SH   DFND 5 0 11,075 0
PAYPAL HOLDINGS COM 70450Y103 56 230 SH   DFND 12 0 230 0
PAYPAL HOLDINGS COM 70450Y103 97 400 SH   DFND 07,13 0 400 0
PAYPAL HOLDINGS COM 70450Y103 146 600 SH   DFND 13 0 600 0
PEMBINA PIPELINE CO COM 706327103 99 3,450 SH   SOLE   3,450 0 0
PEMBINA PIPELINE CO COM 706327103 2 78 SH   DFND 7 0 78 0
PEMBINA PIPELINE CO COM 706327103 545 18,900 SH   DFND 5 0 18,900 0
PEPSICO COM 713448108 581 4,110 SH   SOLE   4,110 0 0
PEPSICO COM 713448108 2,129 15,048 SH   DFND 7 0 15,048 0
PEPSICO COM 713448108 515 3,640 SH   DFND 5 0 3,640 0
PEPSICO COM 713448108 32 225 SH   DFND 6 0 225 0
PEPSICO COM 713448108 74 525 SH   DFND 07,13 0 525 0
PEPSICO COM 713448108 42 300 SH   DFND 13 0 300 0
PFIZER COM 717081103 60 1,654 SH   SOLE   1,654 0 0
PFIZER COM 717081103 174 4,800 SH   DFND 6 0 4,800 0
PFIZER COM 717081103 25 700 SH   DFND 07,13 0 700 0
PROCTER & GAMBLE COM 742718109 1,041 7,683 SH   SOLE   7,683 0 0
PROCTER & GAMBLE COM 742718109 418 3,087 SH   DFND 6 0 3,087 0
PROCTER & GAMBLE COM 742718109 5,739 42,378 SH   DFND 7 0 42,378 0
PROCTER & GAMBLE COM 742718109 3,175 23,443 SH   DFND 5 0 23,443 0
PROCTER & GAMBLE COM 742718109 68 500 SH   DFND 12 0 500 0
PROCTER & GAMBLE COM 742718109 129 955 SH   DFND 07,13 0 955 0
PROCTER & GAMBLE COM 742718109 163 1,200 SH   DFND 13 0 1,200 0
RAYTHEON TECHNOLOGIES COM 75513E101 661 8,560 SH   SOLE   8,560 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 221 2,857 SH   DFND 6 0 2,857 0
RAYTHEON TECHNOLOGIES COM 75513E101 3,403 44,036 SH   DFND 7 0 44,036 0
RAYTHEON TECHNOLOGIES COM 75513E101 2,051 26,541 SH   DFND 5 0 26,541 0
RAYTHEON TECHNOLOGIES COM 75513E101 39 500 SH   DFND 12 0 500 0
RAYTHEON TECHNOLOGIES COM 75513E101 70 900 SH   DFND 07,13 0 900 0
RAYTHEON TECHNOLOGIES COM 75513E101 139 1,800 SH   DFND 13 0 1,800 0
ROCHE HLDG LTD ADR COM 771195104 184 4,540 SH   SOLE   4,540 0 0
ROCHE HLDG LTD ADR COM 771195104 931 22,950 SH   DFND 5 0 22,950 0
ROCHE HLDG LTD ADR COM 771195104 10 250 SH   DFND 7 0 250 0
ROCHE HLDG LTD ADR COM 771195104 2 40 SH   DFND 6 0 40 0
ROCHE HLDG LTD ADR COM 771195104 65 1,600 SH   DFND 13 0 1,600 0
ROCKWELL AUTOMATION COM 773903109 795 2,995 SH   SOLE   2,995 0 0
ROCKWELL AUTOMATION COM 773903109 201 757 SH   DFND 6 0 757 0
ROCKWELL AUTOMATION COM 773903109 5,665 21,343 SH   DFND 7 0 21,343 0
ROCKWELL AUTOMATION COM 773903109 2,891 10,891 SH   DFND 5 0 10,891 0
ROCKWELL AUTOMATION COM 773903109 66 250 SH   DFND 12 0 250 0
ROCKWELL AUTOMATION COM 773903109 146 550 SH   DFND 07,13 0 550 0
ROCKWELL AUTOMATION COM 773903109 166 625 SH   DFND 13 0 625 0
SPDR TOTAL STOCK MARKET PORTFO COM 78464A805 1,727 35,100 SH   DFND 13 0 35,100 0
THERMO FISHER SCIENTIFIC COM 883556102 66 145 SH   DFND 6 0 145 0
THERMO FISHER SCIENTIFIC COM 883556102 434 950 SH   DFND 13 0 950 0
TJX COS COM 872540109 361 5,455 SH   SOLE   5,455 0 0
TJX COS COM 872540109 89 1,339 SH   DFND 6 0 1,339 0
TJX COS COM 872540109 1,946 29,422 SH   DFND 7 0 29,422 0
TJX COS COM 872540109 1,188 17,952 SH   DFND 5 0 17,952 0
TJX COS COM 872540109 40 600 SH   DFND 12 0 600 0
TJX COS COM 872540109 50 750 SH   DFND 07,13 0 750 0
TJX COS COM 872540109 76 1,150 SH   DFND 13 0 1,150 0
TRANE TECHNOLOGIES PLC COM G8994E103 702 4,240 SH   DFND 5 0 4,240 0
UNILEVER PLC NEW ADR COM 904767704 454 8,124 SH   SOLE   8,124 0 0
UNILEVER PLC NEW ADR COM 904767704 63 1,127 SH   DFND 6 0 1,127 0
UNILEVER PLC NEW ADR COM 904767704 1,069 19,143 SH   DFND 5 0 19,143 0
UNILEVER PLC NEW ADR COM 904767704 3,681 65,925 SH   DFND 7 0 65,925 0
UNILEVER PLC NEW ADR COM 904767704 50 900 SH   DFND 12 0 900 0
UNILEVER PLC NEW ADR COM 904767704 106 1,900 SH   DFND 13 0 1,900 0
UNION PACIFIC COM 907818108 220 1,000 SH   SOLE   1,000 0 0
UNION PACIFIC COM 907818108 279 1,265 SH   DFND 5 0 1,265 0
UNION PACIFIC COM 907818108 435 1,972 SH   DFND 7 0 1,972 0
UNITED HEALTH GROUP COM 91324P102 314 845 SH   SOLE   845 0 0
UNITED HEALTH GROUP COM 91324P102 1,336 3,591 SH   DFND 5 0 3,591 0
UNITED HEALTH GROUP COM 91324P102 1,972 5,301 SH   DFND 7 0 5,301 0
UNITED HEALTH GROUP COM 91324P102 6 15 SH   DFND 6 0 15 0
UNITED HEALTH GROUP COM 91324P102 47 125 SH   DFND 12 0 125 0
UNITED HEALTH GROUP COM 91324P102 48 130 SH   DFND 07,13 0 130 0
UNITED HEALTH GROUP COM 91324P102 67 180 SH   DFND 13 0 180 0
WAL-MART STORES COM 931142103 75 550 SH   DFND 5 0 550 0
WAL-MART STORES COM 931142103 136 1,000 SH   DFND 13 0 1,000 0
WELLTOWER COM 95040Q104 710 9,910 SH   DFND 7 0 9,910 0
XILINX COM 983919101 540 4,355 SH   SOLE   4,355 0 0
XILINX COM 983919101 236 1,905 SH   DFND 6 0 1,905 0
XILINX COM 983919101 5,974 48,220 SH   DFND 7 0 48,220 0
XILINX COM 983919101 1,772 14,299 SH   DFND 5 0 14,299 0
XILINX COM 983919101 50 400 SH   DFND 12 0 400 0
XILINX COM 983919101 74 600 SH   DFND 07,13 0 600 0
XILINX COM 983919101 142 1,150 SH   DFND 13 0 1,150 0
XYLEM INC COM 98419M100 231 2,195 SH   SOLE   2,195 0 0
XYLEM INC COM 98419M100 60 566 SH   DFND 6 0 566 0
XYLEM INC COM 98419M100 912 8,674 SH   DFND 5 0 8,674 0
XYLEM INC COM 98419M100 5,142 48,890 SH   DFND 7 0 48,890 0
XYLEM INC COM 98419M100 42 400 SH   DFND 12 0 400 0
XYLEM INC COM 98419M100 147 1,400 SH   DFND 13 0 1,400 0
FPA CRESCENT FUND Equity Mutual Fu 30254T759 5,451 138,082 SH   DFND 7 0 138,082 0
HARDING LOEVNER INSTL EMERGING Equity Mutual Fu 412295701 5,458 209,509 SH   DFND 7 0 209,509 0
NEUBERGER BERMAN ALTERN LONG S Equity Mutual Fu 64128R608 4,638 275,757 SH   DFND 7 0 275,757 0
ROBECO BOSTON PARTNERS LONG SH Equity Mutual Fu 74925K581 4,471 287,144 SH   DFND 7 0 287,144 0