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 126 845 SH   SOLE   845 0 0
3M COM 88579Y101 7 50 SH   DFND 13 0 50 0
3M COM 88579Y101 349 2,345 SH   DFND 1 0 2,345 0
3M COM 88579Y101 22 150 SH   DFND 6 0 150 0
3M COM 88579Y101 34 230 SH   DFND 5 0 230 0
3M COM 88579Y101 26 175 SH   DFND 12 0 175 0
ABBOTT LABS COM 002824100 2,255 19,051 SH   SOLE   19,051 0 0
ABBOTT LABS COM 002824100 1,074 9,071 SH   DFND 13 0 9,071 0
ABBOTT LABS COM 002824100 3,541 29,920 SH   DFND 5 0 29,920 0
ABBOTT LABS COM 002824100 3,058 25,840 SH   DFND 1 0 25,840 0
ABBOTT LABS COM 002824100 633 5,350 SH   DFND 12 0 5,350 0
ABBOTT LABS COM 002824100 11 90 SH   DFND 6 0 90 0
ABBVIE COM 00287Y109 251 1,550 SH   SOLE   1,550 0 0
ABBVIE COM 00287Y109 411 2,535 SH   DFND 13 0 2,535 0
ABBVIE COM 00287Y109 1,544 9,525 SH   DFND 1 0 9,525 0
ABBVIE COM 00287Y109 284 1,750 SH   DFND 12 0 1,750 0
ABBVIE COM 00287Y109 13 80 SH   DFND 5 0 80 0
ABBVIE COM 00287Y109 12 75 SH   DFND 6 0 75 0
ADVANCED MICRO DEVICES INC COM 007903107 2,426 22,191 SH   SOLE   22,191 0 0
ADVANCED MICRO DEVICES INC COM 007903107 787 7,201 SH   DFND 13 0 7,201 0
ADVANCED MICRO DEVICES INC COM 007903107 4,174 38,172 SH   DFND 5 0 38,172 0
ADVANCED MICRO DEVICES INC COM 007903107 2,391 21,871 SH   DFND 1 0 21,871 0
ADVANCED MICRO DEVICES INC COM 007903107 509 4,652 SH   DFND 12 0 4,652 0
ADVANCED MICRO DEVICES INC COM 007903107 11 103 SH   DFND 6 0 103 0
AIR PRODUCTS & CHEM COM 009158106 275 1,100 SH   DFND 1 0 1,100 0
ALPHABET INC CL A COM 02079K305 3,324 1,195 SH   SOLE   1,195 0 0
ALPHABET INC CL A COM 02079K305 1,060 381 SH   DFND 13 0 381 0
ALPHABET INC CL A COM 02079K305 4,848 1,743 SH   DFND 5 0 1,743 0
ALPHABET INC CL A COM 02079K305 4,553 1,637 SH   DFND 1 0 1,637 0
ALPHABET INC CL A COM 02079K305 631 227 SH   DFND 12 0 227 0
ALPHABET INC CL A COM 02079K305 56 20 SH   DFND 6 0 20 0
ALPHABET INC CL C COM 02079K107 335 120 SH   DFND 1 0 120 0
AMAZON.COM COM 023135106 1,601 491 SH   SOLE   491 0 0
AMAZON.COM COM 023135106 564 173 SH   DFND 13 0 173 0
AMAZON.COM COM 023135106 2,680 822 SH   DFND 5 0 822 0
AMAZON.COM COM 023135106 2,931 899 SH   DFND 1 0 899 0
AMAZON.COM COM 023135106 326 100 SH   DFND 12 0 100 0
AMAZON.COM COM 023135106 10 3 SH   DFND 6 0 3 0
AMGEN INC COM 031162100 193 800 SH   SOLE   800 0 0
AMGEN INC COM 031162100 18 75 SH   DFND 13 0 75 0
AMGEN INC COM 031162100 36 150 SH   DFND 1 0 150 0
ANALOG DEVICES COM 032654105 2,325 14,074 SH   SOLE   14,074 0 0
ANALOG DEVICES COM 032654105 905 5,481 SH   DFND 13 0 5,481 0
ANALOG DEVICES COM 032654105 3,745 22,674 SH   DFND 5 0 22,674 0
ANALOG DEVICES COM 032654105 2,733 16,545 SH   DFND 1 0 16,545 0
ANALOG DEVICES COM 032654105 396 2,400 SH   DFND 12 0 2,400 0
ANALOG DEVICES COM 032654105 24 145 SH   DFND 6 0 145 0
AON PLC COM G0403H108 317 975 SH   SOLE   975 0 0
APPLE INC COM 037833100 3,941 22,569 SH   SOLE   22,569 0 0
APPLE INC COM 037833100 1,208 6,920 SH   DFND 13 0 6,920 0
APPLE INC COM 037833100 6,229 35,675 SH   DFND 5 0 35,675 0
APPLE INC COM 037833100 15,973 91,479 SH   DFND 1 0 91,479 0
APPLE INC COM 037833100 690 3,950 SH   DFND 12 0 3,950 0
APPLE INC COM 037833100 83 475 SH   DFND 6 0 475 0
APTARGROUP COM 038336103 1,995 16,975 SH   SOLE   16,975 0 0
APTARGROUP COM 038336103 574 4,885 SH   DFND 13 0 4,885 0
APTARGROUP COM 038336103 2,794 23,780 SH   DFND 5 0 23,780 0
APTARGROUP COM 038336103 2,090 17,790 SH   DFND 1 0 17,790 0
APTARGROUP COM 038336103 388 3,300 SH   DFND 12 0 3,300 0
APTARGROUP COM 038336103 15 125 SH   DFND 6 0 125 0
APTIV PLC COM G6095L109 165 1,375 SH   SOLE   1,375 0 0
APTIV PLC COM G6095L109 73 610 SH   DFND 13 0 610 0
APTIV PLC COM G6095L109 517 4,320 SH   DFND 5 0 4,320 0
APTIV PLC COM G6095L109 327 2,735 SH   DFND 1 0 2,735 0
APTIV PLC COM G6095L109 1 10 SH   DFND 6 0 10 0
AUTOMATIC DATA PROCESSING COM 053015103 2,696 11,848 SH   SOLE   11,848 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,003 4,410 SH   DFND 13 0 4,410 0
AUTOMATIC DATA PROCESSING COM 053015103 4,498 19,770 SH   DFND 5 0 19,770 0
AUTOMATIC DATA PROCESSING COM 053015103 4,034 17,730 SH   DFND 1 0 17,730 0
AUTOMATIC DATA PROCESSING COM 053015103 631 2,775 SH   DFND 12 0 2,775 0
AUTOMATIC DATA PROCESSING COM 053015103 28 125 SH   DFND 6 0 125 0
BANK OF AMERICA COM 060505104 45 1,100 SH   SOLE   1,100 0 0
BANK OF AMERICA COM 060505104 1,239 30,065 SH   DFND 1 0 30,065 0
BECTON DICKINSON COM 075887109 468 1,760 SH   SOLE   1,760 0 0
BECTON DICKINSON COM 075887109 763 2,870 SH   DFND 5 0 2,870 0
BECTON DICKINSON COM 075887109 233 875 SH   DFND 1 0 875 0
BECTON DICKINSON COM 075887109 28 105 SH   DFND 13 0 105 0
BERKSHIRE HATHAWAY CL B COM 084670702 79 223 SH   SOLE   223 0 0
BERKSHIRE HATHAWAY CL B COM 084670702 510 1,445 SH   DFND 1 0 1,445 0
CANADIAN NATL RAILWAY COM 136375102 3,064 22,845 SH   SOLE   22,845 0 0
CANADIAN NATL RAILWAY COM 136375102 958 7,145 SH   DFND 13 0 7,145 0
CANADIAN NATL RAILWAY COM 136375102 4,013 29,917 SH   DFND 5 0 29,917 0
CANADIAN NATL RAILWAY COM 136375102 3,146 23,455 SH   DFND 1 0 23,455 0
CANADIAN NATL RAILWAY COM 136375102 644 4,800 SH   DFND 12 0 4,800 0
CANADIAN NATL RAILWAY COM 136375102 114 850 SH   DFND 6 0 850 0
CHEVRON COM 166764100 782 4,803 SH   SOLE   4,803 0 0
CHEVRON COM 166764100 248 1,525 SH   DFND 13 0 1,525 0
CHEVRON COM 166764100 1,899 11,661 SH   DFND 5 0 11,661 0
CHEVRON COM 166764100 1,079 6,625 SH   DFND 1 0 6,625 0
CHEVRON COM 166764100 228 1,400 SH   DFND 12 0 1,400 0
CHURCH & DWIGHT COM 171340102 139 1,400 SH   SOLE   1,400 0 0
CHURCH & DWIGHT COM 171340102 201 2,025 SH   DFND 1 0 2,025 0
COCA COLA COM 191216100 121 1,950 SH   SOLE   1,950 0 0
COCA COLA COM 191216100 177 2,850 SH   DFND 1 0 2,850 0
COCA COLA COM 191216100 93 1,500 SH   DFND 12 0 1,500 0
COCA COLA COM 191216100 112 1,800 SH   DFND 5 0 1,800 0
CVS HEALTH COM 126650100 873 8,622 SH   SOLE   8,622 0 0
CVS HEALTH COM 126650100 713 7,045 SH   DFND 13 0 7,045 0
CVS HEALTH COM 126650100 2,061 20,365 SH   DFND 5 0 20,365 0
CVS HEALTH COM 126650100 1,028 10,162 SH   DFND 1 0 10,162 0
CVS HEALTH COM 126650100 17 165 SH   DFND 6 0 165 0
CVS HEALTH COM 126650100 177 1,750 SH   DFND 12 0 1,750 0
DANAHER CORP COM 235851102 2,416 8,235 SH   SOLE   8,235 0 0
DANAHER CORP COM 235851102 957 3,264 SH   DFND 13 0 3,264 0
DANAHER CORP COM 235851102 4,102 13,984 SH   DFND 5 0 13,984 0
DANAHER CORP COM 235851102 2,466 8,407 SH   DFND 1 0 8,407 0
DANAHER CORP COM 235851102 491 1,675 SH   DFND 12 0 1,675 0
DANAHER CORP COM 235851102 12 40 SH   DFND 6 0 40 0
DEERE & CO COM 244199105 369 887 SH   SOLE   887 0 0
DEERE & CO COM 244199105 904 2,175 SH   DFND 1 0 2,175 0
DEERE & CO COM 244199105 1,693 4,075 SH   DFND 5 0 4,075 0
DEERE & CO COM 244199105 291 700 SH   DFND 12 0 700 0
DEERE & CO COM 244199105 27 65 SH   DFND 13 0 65 0
DISNEY COM 254687106 1,332 9,710 SH   SOLE   9,710 0 0
DISNEY COM 254687106 499 3,635 SH   DFND 13 0 3,635 0
DISNEY COM 254687106 2,066 15,065 SH   DFND 5 0 15,065 0
DISNEY COM 254687106 1,665 12,140 SH   DFND 1 0 12,140 0
DISNEY COM 254687106 288 2,100 SH   DFND 12 0 2,100 0
DISNEY COM 254687106 7 50 SH   DFND 6 0 50 0
EDWARDS LIFESCIENCES COM 28176E108 383 3,250 SH   SOLE   3,250 0 0
EDWARDS LIFESCIENCES COM 28176E108 151 1,285 SH   DFND 13 0 1,285 0
EDWARDS LIFESCIENCES COM 28176E108 1,190 10,110 SH   DFND 5 0 10,110 0
EDWARDS LIFESCIENCES COM 28176E108 731 6,210 SH   DFND 1 0 6,210 0
EDWARDS LIFESCIENCES COM 28176E108 59 500 SH   DFND 12 0 500 0
EDWARDS LIFESCIENCES COM 28176E108 2 15 SH   DFND 6 0 15 0
EMERSON ELECTRIC COM 291011104 29 300 SH   SOLE   300 0 0
EMERSON ELECTRIC COM 291011104 127 1,300 SH   DFND 1 0 1,300 0
EMERSON ELECTRIC COM 291011104 101 1,030 SH   DFND 13 0 1,030 0
EMERSON ELECTRIC COM 291011104 20 200 SH   DFND 5 0 200 0
EXXON MOBIL COM 30231G102 414 5,015 SH   SOLE   5,015 0 0
EXXON MOBIL COM 30231G102 229 2,772 SH   DFND 13 0 2,772 0
EXXON MOBIL COM 30231G102 588 7,120 SH   DFND 1 0 7,120 0
EXXON MOBIL COM 30231G102 320 3,875 SH   DFND 5 0 3,875 0
EXXON MOBIL COM 30231G102 91 1,100 SH   DFND 12 0 1,100 0
EXXON MOBIL COM 30231G102 7 90 SH   DFND 6 0 90 0
FASTENAL CO COM 311900104 530 8,930 SH   SOLE   8,930 0 0
FIDELITY NATL INFO SVCS COM 31620M106 311 3,100 SH   DFND 5 0 3,100 0
FISERV COM 337738108 1,855 18,295 SH   SOLE   18,295 0 0
FISERV COM 337738108 676 6,668 SH   DFND 13 0 6,668 0
FISERV COM 337738108 3,004 29,627 SH   DFND 5 0 29,627 0
FISERV COM 337738108 3,084 30,415 SH   DFND 1 0 30,415 0
FISERV COM 337738108 370 3,650 SH   DFND 12 0 3,650 0
FISERV COM 337738108 13 125 SH   DFND 6 0 125 0
GENERAL ELECTRIC COM 369604301 54 593 SH   SOLE   593 0 0
GENERAL ELECTRIC COM 369604301 114 1,246 SH   DFND 1 0 1,246 0
GENERAL ELECTRIC COM 369604301 41 450 SH   DFND 13 0 450 0
GENERAL ELECTRIC COM 369604301 18 200 SH   DFND 12 0 200 0
GENERAL MILLS COM 370334104 396 5,850 SH   DFND 1 0 5,850 0
GENERAL MILLS COM 370334104 20 300 SH   DFND 13 0 300 0
GENERAL MILLS COM 370334104 169 2,500 SH   DFND 5 0 2,500 0
GILEAD SCIENCES COM 375558103 216 3,640 SH   SOLE   3,640 0 0
GILEAD SCIENCES COM 375558103 89 1,500 SH   DFND 1 0 1,500 0
GOLDMAN SACHS GROUP COM 38141G104 221 670 SH   DFND 1 0 670 0
HOME DEPOT COM 437076102 1,757 5,871 SH   SOLE   5,871 0 0
HOME DEPOT COM 437076102 670 2,238 SH   DFND 13 0 2,238 0
HOME DEPOT COM 437076102 3,020 10,090 SH   DFND 5 0 10,090 0
HOME DEPOT COM 437076102 2,663 8,898 SH   DFND 1 0 8,898 0
HOME DEPOT COM 437076102 382 1,275 SH   DFND 12 0 1,275 0
HOME DEPOT COM 437076102 58 195 SH   DFND 6 0 195 0
HONEYWELL INTL COM 438516106 613 3,150 SH   SOLE   3,150 0 0
HONEYWELL INTL COM 438516106 61 315 SH   DFND 13 0 315 0
HONEYWELL INTL COM 438516106 1,930 9,921 SH   DFND 5 0 9,921 0
HONEYWELL INTL COM 438516106 1,030 5,295 SH   DFND 1 0 5,295 0
ILLUMINA COM 452327109 731 2,091 SH   SOLE   2,091 0 0
ILLUMINA COM 452327109 304 870 SH   DFND 13 0 870 0
ILLUMINA COM 452327109 1,973 5,646 SH   DFND 5 0 5,646 0
ILLUMINA COM 452327109 227 650 SH   DFND 12 0 650 0
ILLUMINA COM 452327109 757 2,168 SH   DFND 1 0 2,168 0
ILLUMINA COM 452327109 7 20 SH   DFND 6 0 20 0
INTEL CORP COM 458140100 284 5,740 SH   SOLE   5,740 0 0
INTEL CORP COM 458140100 82 1,650 SH   DFND 13 0 1,650 0
INTEL CORP COM 458140100 394 7,950 SH   DFND 1 0 7,950 0
INTEL CORP COM 458140100 459 9,265 SH   DFND 5 0 9,265 0
INTEL CORP COM 458140100 124 2,500 SH   DFND 12 0 2,500 0
ISHARES S&P 500 COM 464287200 612 1,350 SH   DFND 13 0 1,350 0
JOHNSON & JOHNSON COM 478160104 2,308 13,020 SH   SOLE   13,020 0 0
JOHNSON & JOHNSON COM 478160104 984 5,553 SH   DFND 13 0 5,553 0
JOHNSON & JOHNSON COM 478160104 5,761 32,506 SH   DFND 5 0 32,506 0
JOHNSON & JOHNSON COM 478160104 2,945 16,619 SH   DFND 1 0 16,619 0
JOHNSON & JOHNSON COM 478160104 585 3,300 SH   DFND 12 0 3,300 0
JOHNSON & JOHNSON COM 478160104 12 65 SH   DFND 6 0 65 0
JPMORGAN CHASE COM 46625H100 19 137 SH   SOLE   137 0 0
JPMORGAN CHASE COM 46625H100 491 3,600 SH   DFND 1 0 3,600 0
KONINKLIJKE DSM NV COM 780249108 947 21,115 SH   SOLE   21,115 0 0
KONINKLIJKE DSM NV COM 780249108 403 8,985 SH   DFND 13 0 8,985 0
KONINKLIJKE DSM NV COM 780249108 1,734 38,681 SH   DFND 5 0 38,681 0
KONINKLIJKE DSM NV COM 780249108 943 21,035 SH   DFND 1 0 21,035 0
KONINKLIJKE DSM NV COM 780249108 217 4,850 SH   DFND 12 0 4,850 0
KONINKLIJKE DSM NV COM 780249108 12 275 SH   DFND 6 0 275 0
MASTERCARD COM 57636Q104 2,768 7,745 SH   SOLE   7,745 0 0
MASTERCARD COM 57636Q104 906 2,535 SH   DFND 13 0 2,535 0
MASTERCARD COM 57636Q104 4,052 11,338 SH   DFND 5 0 11,338 0
MASTERCARD COM 57636Q104 3,681 10,300 SH   DFND 1 0 10,300 0
MASTERCARD COM 57636Q104 615 1,720 SH   DFND 12 0 1,720 0
MASTERCARD COM 57636Q104 46 130 SH   DFND 6 0 130 0
MEDTRONIC COM G5960L103 324 2,917 SH   SOLE   2,917 0 0
MEDTRONIC COM G5960L103 131 1,185 SH   DFND 13 0 1,185 0
MEDTRONIC COM G5960L103 414 3,730 SH   DFND 5 0 3,730 0
MEDTRONIC COM G5960L103 369 3,330 SH   DFND 1 0 3,330 0
MEDTRONIC COM G5960L103 123 1,110 SH   DFND 12 0 1,110 0
MERCK COM 58933Y105 55 675 SH   SOLE   675 0 0
MERCK COM 58933Y105 25 300 SH   DFND 5 0 300 0
MERCK COM 58933Y105 57 700 SH   DFND 12 0 700 0
MERCK COM 58933Y105 205 2,500 SH   DFND 1 0 2,500 0
MICROSOFT CORP COM 594918104 2,749 8,916 SH   SOLE   8,916 0 0
MICROSOFT CORP COM 594918104 1,107 3,591 SH   DFND 13 0 3,591 0
MICROSOFT CORP COM 594918104 4,734 15,355 SH   DFND 5 0 15,355 0
MICROSOFT CORP COM 594918104 3,496 11,338 SH   DFND 1 0 11,338 0
MICROSOFT CORP COM 594918104 493 1,600 SH   DFND 12 0 1,600 0
MICROSOFT CORP COM 594918104 17 55 SH   DFND 6 0 55 0
NESTLE SA ADR COM 641069406 2,437 18,729 SH   SOLE   18,729 0 0
NESTLE SA ADR COM 641069406 780 5,995 SH   DFND 13 0 5,995 0
NESTLE SA ADR COM 641069406 3,242 24,922 SH   DFND 5 0 24,922 0
NESTLE SA ADR COM 641069406 2,511 19,300 SH   DFND 1 0 19,300 0
NESTLE SA ADR COM 641069406 524 4,025 SH   DFND 12 0 4,025 0
NESTLE SA ADR COM 641069406 44 335 SH   DFND 6 0 335 0
NIKE INC CLASS B COM 654106103 1,149 8,542 SH   SOLE   8,542 0 0
NIKE INC CLASS B COM 654106103 456 3,390 SH   DFND 13 0 3,390 0
NIKE INC CLASS B COM 654106103 1,917 14,246 SH   DFND 5 0 14,246 0
NIKE INC CLASS B COM 654106103 1,084 8,055 SH   DFND 1 0 8,055 0
NIKE INC CLASS B COM 654106103 242 1,800 SH   DFND 12 0 1,800 0
NIKE INC CLASS B COM 654106103 5 40 SH   DFND 6 0 40 0
NOVARTIS AG ADR COM 66987V109 1,173 13,372 SH   SOLE   13,372 0 0
NOVARTIS AG ADR COM 66987V109 413 4,712 SH   DFND 13 0 4,712 0
NOVARTIS AG ADR COM 66987V109 1,153 13,139 SH   DFND 5 0 13,139 0
NOVARTIS AG ADR COM 66987V109 655 7,469 SH   DFND 1 0 7,469 0
NOVARTIS AG ADR COM 66987V109 132 1,500 SH   DFND 12 0 1,500 0
NOVO NORDISK A S ADR COM 670100205 244 2,200 SH   SOLE   2,200 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 464 6,750 SH   SOLE   6,750 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 55 800 SH   DFND 1 0 800 0
NOVOZYMES A S DKK 2.0 COM B798FW902 641 9,324 SH   DFND 5 0 9,324 0
NOVOZYMES A S DKK 2.0 COM B798FW902 55 800 SH   DFND 12 0 800 0
NVIDIA CORP COM 67066G104 518 1,898 SH   SOLE   1,898 0 0
NVIDIA CORP COM 67066G104 71 262 SH   DFND 13 0 262 0
NVIDIA CORP COM 67066G104 321 1,175 SH   DFND 5 0 1,175 0
NVIDIA CORP COM 67066G104 377 1,380 SH   DFND 1 0 1,380 0
PARAMOUNT GLOBAL COM 92556H206 340 9,000 SH   DFND 1 0 9,000 0
PAYCHEX COM 704326107 297 2,175 SH   SOLE   2,175 0 0
PAYPAL HOLDINGS COM 70450Y103 929 8,029 SH   SOLE   8,029 0 0
PAYPAL HOLDINGS COM 70450Y103 261 2,253 SH   DFND 13 0 2,253 0
PAYPAL HOLDINGS COM 70450Y103 1,484 12,834 SH   DFND 5 0 12,834 0
PAYPAL HOLDINGS COM 70450Y103 1,111 9,610 SH   DFND 1 0 9,610 0
PAYPAL HOLDINGS COM 70450Y103 197 1,700 SH   DFND 12 0 1,700 0
PAYPAL HOLDINGS COM 70450Y103 4 35 SH   DFND 6 0 35 0
PEPSICO COM 713448108 1,242 7,420 SH   SOLE   7,420 0 0
PEPSICO COM 713448108 1,393 8,325 SH   DFND 5 0 8,325 0
PEPSICO COM 713448108 1,972 11,780 SH   DFND 1 0 11,780 0
PEPSICO COM 713448108 25 150 SH   DFND 6 0 150 0
PEPSICO COM 713448108 243 1,452 SH   DFND 13 0 1,452 0
PEPSICO COM 713448108 134 800 SH   DFND 12 0 800 0
PROCTER & GAMBLE COM 742718109 2,727 17,845 SH   SOLE   17,845 0 0
PROCTER & GAMBLE COM 742718109 839 5,488 SH   DFND 13 0 5,488 0
PROCTER & GAMBLE COM 742718109 3,399 22,247 SH   DFND 5 0 22,247 0
PROCTER & GAMBLE COM 742718109 2,695 17,640 SH   DFND 1 0 17,640 0
PROCTER & GAMBLE COM 742718109 367 2,400 SH   DFND 12 0 2,400 0
PROCTER & GAMBLE COM 742718109 31 205 SH   DFND 6 0 205 0
RAYTHEON TECHNOLOGIES COM 75513E101 2,167 21,875 SH   SOLE   21,875 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 694 7,006 SH   DFND 13 0 7,006 0
RAYTHEON TECHNOLOGIES COM 75513E101 3,080 31,094 SH   DFND 5 0 31,094 0
RAYTHEON TECHNOLOGIES COM 75513E101 2,526 25,501 SH   DFND 1 0 25,501 0
RAYTHEON TECHNOLOGIES COM 75513E101 347 3,500 SH   DFND 12 0 3,500 0
RAYTHEON TECHNOLOGIES COM 75513E101 23 231 SH   DFND 6 0 231 0
ROCKWELL AUTOMATION COM 773903109 1,794 6,405 SH   SOLE   6,405 0 0
ROCKWELL AUTOMATION COM 773903109 580 2,070 SH   DFND 13 0 2,070 0
ROCKWELL AUTOMATION COM 773903109 3,199 11,425 SH   DFND 5 0 11,425 0
ROCKWELL AUTOMATION COM 773903109 2,480 8,857 SH   DFND 1 0 8,857 0
ROCKWELL AUTOMATION COM 773903109 168 600 SH   DFND 12 0 600 0
ROCKWELL AUTOMATION COM 773903109 80 285 SH   DFND 6 0 285 0
SPDR S&P 500 ETF COM 78462F103 102 225 SH   SOLE   225 0 0
SPDR S&P 500 ETF COM 78462F103 339 750 SH   DFND 12 0 750 0
SPDR S&P 500 ETF COM 78462F103 745 1,650 SH   DFND 5 0 1,650 0
STATE STREET COM 857477103 131 1,500 SH   SOLE   1,500 0 0
STATE STREET COM 857477103 89 1,025 SH   DFND 13 0 1,025 0
STATE STREET COM 857477103 122 1,400 SH   DFND 1 0 1,400 0
STRYKER CORP COM 863667101 281 1,050 SH   DFND 1 0 1,050 0
STRYKER CORP COM 863667101 46 172 SH   DFND 13 0 172 0
TELEFLEX COM 879369106 302 850 SH   SOLE   850 0 0
TESLA MOTORS COM 88160R101 593 550 SH   SOLE   550 0 0
TJX COS COM 872540109 1,035 17,083 SH   SOLE   17,083 0 0
TJX COS COM 872540109 435 7,175 SH   DFND 13 0 7,175 0
TJX COS COM 872540109 1,827 30,164 SH   DFND 5 0 30,164 0
TJX COS COM 872540109 1,072 17,700 SH   DFND 1 0 17,700 0
TJX COS COM 872540109 230 3,800 SH   DFND 12 0 3,800 0
TJX COS COM 872540109 5 90 SH   DFND 6 0 90 0
UNILEVER PLC NEW ADR COM 904767704 474 10,405 SH   SOLE   10,405 0 0
UNILEVER PLC NEW ADR COM 904767704 103 2,262 SH   DFND 13 0 2,262 0
UNILEVER PLC NEW ADR COM 904767704 566 12,410 SH   DFND 5 0 12,410 0
UNILEVER PLC NEW ADR COM 904767704 196 4,300 SH   DFND 1 0 4,300 0
UNILEVER PLC NEW ADR COM 904767704 15 325 SH   DFND 6 0 325 0
UNILEVER PLC NEW ADR COM 904767704 68 1,500 SH   DFND 12 0 1,500 0
UNION PACIFIC COM 907818108 231 845 SH   SOLE   845 0 0
UNION PACIFIC COM 907818108 55 200 SH   DFND 5 0 200 0
UNION PACIFIC COM 907818108 48 175 SH   DFND 13 0 175 0
UNION PACIFIC COM 907818108 53 195 SH   DFND 1 0 195 0
UNITED HEALTH GROUP COM 91324P102 1,147 2,250 SH   SOLE   2,250 0 0
UNITED HEALTH GROUP COM 91324P102 549 1,076 SH   DFND 13 0 1,076 0
UNITED HEALTH GROUP COM 91324P102 2,485 4,873 SH   DFND 5 0 4,873 0
UNITED HEALTH GROUP COM 91324P102 1,325 2,599 SH   DFND 1 0 2,599 0
UNITED HEALTH GROUP COM 91324P102 326 640 SH   DFND 12 0 640 0
UNITED HEALTH GROUP COM 91324P102 5 10 SH   DFND 6 0 10 0
US BANCORP COM 902973304 227 4,275 SH   DFND 1 0 4,275 0
WAL-MART STORES COM 931142103 60 400 SH   SOLE   400 0 0
WAL-MART STORES COM 931142103 164 1,100 SH   DFND 12 0 1,100 0
WAL-MART STORES COM 931142103 324 2,175 SH   DFND 1 0 2,175 0
WAL-MART STORES COM 931142103 894 6,000 SH   DFND 5 0 6,000 0
XYLEM INC COM 98419M100 776 9,101 SH   SOLE   9,101 0 0
XYLEM INC COM 98419M100 332 3,890 SH   DFND 13 0 3,890 0
XYLEM INC COM 98419M100 1,765 20,705 SH   DFND 5 0 20,705 0
XYLEM INC COM 98419M100 887 10,400 SH   DFND 1 0 10,400 0
XYLEM INC COM 98419M100 192 2,250 SH   DFND 12 0 2,250 0
XYLEM INC COM 98419M100 4 50 SH   DFND 6 0 50 0
GABELLI UTILITES FUND CLASS A Equity Mutual Fu 36240E202 1,121 138,714 SH   DFND 1 0 138,714 0
VANGUARD TOTAL STOCK MARKET IN Equity Mutual Fu 922908728 266 2,401 SH   DFND 12 0 2,401 0