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
ABBOTT LABS COM 002824100 993 10,265 SH   SOLE   10,265 0 0
ABBOTT LABS COM 002824100 1,273 13,160 SH   DFND 7 0 13,160 0
ABBOTT LABS COM 002824100 85 875 SH   DFND 01,06 0 875 0
ABBOTT LABS COM 002824100 28 290 SH   DFND 6 0 290 0
ABBOTT LABS COM 002824100 429 4,430 SH   DFND 12 0 4,430 0
ABBOTT LABS COM 002824100 34 350 SH   DFND 5 0 350 0
ABBOTT LABS COM 002824100 126 1,300 SH   DFND 1 0 1,300 0
ABBVIE COM 00287Y109 50 376 SH   SOLE   376 0 0
ABBVIE COM 00287Y109 193 1,440 SH   DFND 12 0 1,440 0
ADVANCED MICRO DEVICES INC COM 007903107 611 9,643 SH   SOLE   9,643 0 0
ADVANCED MICRO DEVICES INC COM 007903107 832 13,134 SH   DFND 7 0 13,134 0
ADVANCED MICRO DEVICES INC COM 007903107 21 334 SH   DFND 6 0 334 0
ADVANCED MICRO DEVICES INC COM 007903107 261 4,122 SH   DFND 12 0 4,122 0
ADVANCED MICRO DEVICES INC COM 007903107 35 559 SH   DFND 5 0 559 0
ADVANCED MICRO DEVICES INC COM 007903107 93 1,464 SH   DFND 1 0 1,464 0
ALPHABET INC CL A COM 02079K305 1,029 10,761 SH   SOLE   10,761 0 0
ALPHABET INC CL A COM 02079K305 1,335 13,960 SH   DFND 7 0 13,960 0
ALPHABET INC CL A COM 02079K305 77 800 SH   DFND 01,06 0 800 0
ALPHABET INC CL A COM 02079K305 27 280 SH   DFND 6 0 280 0
ALPHABET INC CL A COM 02079K305 474 4,960 SH   DFND 12 0 4,960 0
ALPHABET INC CL A COM 02079K305 55 580 SH   DFND 5 0 580 0
ALPHABET INC CL A COM 02079K305 143 1,500 SH   DFND 1 0 1,500 0
ALPHABET INC CL C COM 02079K107 148 1,540 SH   SOLE   1,540 0 0
ALPHABET INC CL C COM 02079K107 87 900 SH   DFND 1 0 900 0
AMAZON.COM COM 023135106 727 6,435 SH   SOLE   6,435 0 0
AMAZON.COM COM 023135106 881 7,800 SH   DFND 7 0 7,800 0
AMAZON.COM COM 023135106 56 500 SH   DFND 01,06 0 500 0
AMAZON.COM COM 023135106 20 180 SH   DFND 6 0 180 0
AMAZON.COM COM 023135106 279 2,470 SH   DFND 12 0 2,470 0
AMAZON.COM COM 023135106 20 180 SH   DFND 5 0 180 0
AMAZON.COM COM 023135106 158 1,400 SH   DFND 1 0 1,400 0
ANALOG DEVICES COM 032654105 1,016 7,295 SH   SOLE   7,295 0 0
ANALOG DEVICES COM 032654105 1,398 10,035 SH   DFND 7 0 10,035 0
ANALOG DEVICES COM 032654105 70 500 SH   DFND 01,06 0 500 0
ANALOG DEVICES COM 032654105 35 250 SH   DFND 6 0 250 0
ANALOG DEVICES COM 032654105 451 3,240 SH   DFND 12 0 3,240 0
ANALOG DEVICES COM 032654105 31 225 SH   DFND 5 0 225 0
ANALOG DEVICES COM 032654105 153 1,100 SH   DFND 1 0 1,100 0
APPLE INC COM 037833100 1,444 10,451 SH   SOLE   10,451 0 0
APPLE INC COM 037833100 1,949 14,100 SH   DFND 7 0 14,100 0
APPLE INC COM 037833100 96 695 SH   DFND 01,06 0 695 0
APPLE INC COM 037833100 35 250 SH   DFND 6 0 250 0
APPLE INC COM 037833100 503 3,640 SH   DFND 12 0 3,640 0
APPLE INC COM 037833100 57 415 SH   DFND 5 0 415 0
APPLE INC COM 037833100 345 2,500 SH   DFND 1 0 2,500 0
APTARGROUP COM 038336103 708 7,446 SH   SOLE   7,446 0 0
APTARGROUP COM 038336103 642 6,757 SH   DFND 7 0 6,757 0
APTARGROUP COM 038336103 67 700 SH   DFND 01,06 0 700 0
APTARGROUP COM 038336103 24 250 SH   DFND 6 0 250 0
APTARGROUP COM 038336103 337 3,545 SH   DFND 12 0 3,545 0
APTARGROUP COM 038336103 19 200 SH   DFND 5 0 200 0
APTARGROUP COM 038336103 114 1,200 SH   DFND 1 0 1,200 0
AUTOMATIC DATA PROCESSING COM 053015103 1,410 6,233 SH   SOLE   6,233 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,764 7,799 SH   DFND 7 0 7,799 0
AUTOMATIC DATA PROCESSING COM 053015103 107 475 SH   DFND 01,06 0 475 0
AUTOMATIC DATA PROCESSING COM 053015103 36 160 SH   DFND 6 0 160 0
AUTOMATIC DATA PROCESSING COM 053015103 570 2,520 SH   DFND 12 0 2,520 0
AUTOMATIC DATA PROCESSING COM 053015103 61 270 SH   DFND 5 0 270 0
AUTOMATIC DATA PROCESSING COM 053015103 226 1,000 SH   DFND 1 0 1,000 0
BECTON DICKINSON COM 075887109 619 2,780 SH   SOLE   2,780 0 0
BECTON DICKINSON COM 075887109 696 3,125 SH   DFND 7 0 3,125 0
BECTON DICKINSON COM 075887109 25 110 SH   DFND 6 0 110 0
BECTON DICKINSON COM 075887109 310 1,390 SH   DFND 12 0 1,390 0
BECTON DICKINSON COM 075887109 37 165 SH   DFND 5 0 165 0
BECTON DICKINSON COM 075887109 67 300 SH   DFND 1 0 300 0
BERKSHIRE HATHAWAY CL B COM 084670702 302 1,131 SH   SOLE   1,131 0 0
BERKSHIRE HATHAWAY CL B COM 084670702 246 920 SH   DFND 12 0 920 0
CANADIAN NATL RAILWAY COM 136375102 1,139 10,546 SH   SOLE   10,546 0 0
CANADIAN NATL RAILWAY COM 136375102 1,216 11,257 SH   DFND 7 0 11,257 0
CANADIAN NATL RAILWAY COM 136375102 103 950 SH   DFND 01,06 0 950 0
CANADIAN NATL RAILWAY COM 136375102 30 280 SH   DFND 6 0 280 0
CANADIAN NATL RAILWAY COM 136375102 463 4,285 SH   DFND 12 0 4,285 0
CANADIAN NATL RAILWAY COM 136375102 54 500 SH   DFND 5 0 500 0
CANADIAN NATL RAILWAY COM 136375102 184 1,700 SH   DFND 1 0 1,700 0
CHEVRON COM 166764100 66 460 SH   SOLE   460 0 0
CHEVRON COM 166764100 54 375 SH   DFND 01,06 0 375 0
CHEVRON COM 166764100 50 350 SH   DFND 7 0 350 0
CHEVRON COM 166764100 28 195 SH   DFND 6 0 195 0
CHEVRON COM 166764100 50 350 SH   DFND 5 0 350 0
CHEVRON COM 166764100 287 2,000 SH   DFND 1 0 2,000 0
CVS HEALTH COM 126650100 764 8,012 SH   SOLE   8,012 0 0
CVS HEALTH COM 126650100 385 4,033 SH   DFND 7 0 4,033 0
CVS HEALTH COM 126650100 62 650 SH   DFND 01,06 0 650 0
CVS HEALTH COM 126650100 29 305 SH   DFND 6 0 305 0
CVS HEALTH COM 126650100 329 3,447 SH   DFND 12 0 3,447 0
CVS HEALTH COM 126650100 38 400 SH   DFND 5 0 400 0
DANAHER CORP COM 235851102 1,300 5,034 SH   SOLE   5,034 0 0
DANAHER CORP COM 235851102 1,636 6,335 SH   DFND 7 0 6,335 0
DANAHER CORP COM 235851102 97 375 SH   DFND 01,06 0 375 0
DANAHER CORP COM 235851102 31 120 SH   DFND 6 0 120 0
DANAHER CORP COM 235851102 523 2,025 SH   DFND 12 0 2,025 0
DANAHER CORP COM 235851102 53 205 SH   DFND 5 0 205 0
DANAHER CORP COM 235851102 221 854 SH   DFND 1 0 854 0
DISNEY COM 254687106 656 6,953 SH   SOLE   6,953 0 0
DISNEY COM 254687106 642 6,808 SH   DFND 7 0 6,808 0
DISNEY COM 254687106 33 350 SH   DFND 01,06 0 350 0
DISNEY COM 254687106 20 210 SH   DFND 6 0 210 0
DISNEY COM 254687106 286 3,030 SH   DFND 12 0 3,030 0
DISNEY COM 254687106 24 250 SH   DFND 5 0 250 0
DISNEY COM 254687106 85 900 SH   DFND 1 0 900 0
EDWARDS LIFESCIENCES COM 28176E108 95 1,153 SH   SOLE   1,153 0 0
EDWARDS LIFESCIENCES COM 28176E108 27 325 SH   DFND 01,06 0 325 0
EDWARDS LIFESCIENCES COM 28176E108 98 1,182 SH   DFND 7 0 1,182 0
EDWARDS LIFESCIENCES COM 28176E108 2 25 SH   DFND 5 0 25 0
EXXON MOBIL COM 30231G102 148 1,700 SH   SOLE   1,700 0 0
EXXON MOBIL COM 30231G102 65 750 SH   DFND 01,06 0 750 0
FISERV COM 337738108 957 10,228 SH   SOLE   10,228 0 0
FISERV COM 337738108 943 10,076 SH   DFND 7 0 10,076 0
FISERV COM 337738108 70 750 SH   DFND 01,06 0 750 0
FISERV COM 337738108 29 310 SH   DFND 6 0 310 0
FISERV COM 337738108 327 3,490 SH   DFND 12 0 3,490 0
FISERV COM 337738108 20 210 SH   DFND 5 0 210 0
FISERV COM 337738108 122 1,300 SH   DFND 1 0 1,300 0
HOME DEPOT COM 437076102 824 2,986 SH   SOLE   2,986 0 0
HOME DEPOT COM 437076102 1,078 3,908 SH   DFND 7 0 3,908 0
HOME DEPOT COM 437076102 83 300 SH   DFND 01,06 0 300 0
HOME DEPOT COM 437076102 26 95 SH   DFND 6 0 95 0
HOME DEPOT COM 437076102 313 1,135 SH   DFND 12 0 1,135 0
HOME DEPOT COM 437076102 26 95 SH   DFND 5 0 95 0
HONEYWELL INTL COM 438516106 270 1,615 SH   SOLE   1,615 0 0
HONEYWELL INTL COM 438516106 469 2,810 SH   DFND 7 0 2,810 0
HONEYWELL INTL COM 438516106 38 225 SH   DFND 01,06 0 225 0
HONEYWELL INTL COM 438516106 25 150 SH   DFND 12 0 150 0
HONEYWELL INTL COM 438516106 4 25 SH   DFND 6 0 25 0
HONEYWELL INTL COM 438516106 83 500 SH   DFND 1 0 500 0
ILLINOIS TOOL WORKS COM 452308109 154 850 SH   SOLE   850 0 0
ILLINOIS TOOL WORKS COM 452308109 86 475 SH   DFND 12 0 475 0
ILLUMINA COM 452327109 380 1,991 SH   SOLE   1,991 0 0
ILLUMINA COM 452327109 416 2,178 SH   DFND 7 0 2,178 0
ILLUMINA COM 452327109 33 175 SH   DFND 01,06 0 175 0
ILLUMINA COM 452327109 8 40 SH   DFND 6 0 40 0
ILLUMINA COM 452327109 139 731 SH   DFND 12 0 731 0
ILLUMINA COM 452327109 10 50 SH   DFND 5 0 50 0
ILLUMINA COM 452327109 48 250 SH   DFND 1 0 250 0
ISHARES RUSSELL 3000 COM 464287689 457 2,205 SH   SOLE   2,205 0 0
JOHNSON & JOHNSON COM 478160104 1,296 7,936 SH   SOLE   7,936 0 0
JOHNSON & JOHNSON COM 478160104 1,275 7,807 SH   DFND 7 0 7,807 0
JOHNSON & JOHNSON COM 478160104 106 650 SH   DFND 01,06 0 650 0
JOHNSON & JOHNSON COM 478160104 32 195 SH   DFND 6 0 195 0
JOHNSON & JOHNSON COM 478160104 513 3,140 SH   DFND 12 0 3,140 0
JOHNSON & JOHNSON COM 478160104 45 275 SH   DFND 5 0 275 0
JOHNSON & JOHNSON COM 478160104 196 1,200 SH   DFND 1 0 1,200 0
JPMORGAN CHASE COM 46625H100 96 918 SH   SOLE   918 0 0
JPMORGAN CHASE COM 46625H100 294 2,815 SH   DFND 7 0 2,815 0
KONINKLIJKE DSM NV COM 780249108 457 16,079 SH   SOLE   16,079 0 0
KONINKLIJKE DSM NV COM 780249108 412 14,515 SH   DFND 7 0 14,515 0
KONINKLIJKE DSM NV COM 780249108 29 1,030 SH   DFND 01,06 0 1,030 0
KONINKLIJKE DSM NV COM 780249108 15 525 SH   DFND 6 0 525 0
KONINKLIJKE DSM NV COM 780249108 185 6,525 SH   DFND 12 0 6,525 0
KONINKLIJKE DSM NV COM 780249108 7 250 SH   DFND 5 0 250 0
MARSH & MCLENNAN COM 571748102 202 1,355 SH   DFND 7 0 1,355 0
MASTERCARD COM 57636Q104 1,116 3,926 SH   SOLE   3,926 0 0
MASTERCARD COM 57636Q104 1,367 4,809 SH   DFND 7 0 4,809 0
MASTERCARD COM 57636Q104 80 280 SH   DFND 01,06 0 280 0
MASTERCARD COM 57636Q104 28 100 SH   DFND 6 0 100 0
MASTERCARD COM 57636Q104 409 1,440 SH   DFND 12 0 1,440 0
MASTERCARD COM 57636Q104 38 135 SH   DFND 5 0 135 0
MASTERCARD COM 57636Q104 85 300 SH   DFND 1 0 300 0
MEDTRONIC COM G5960L103 406 5,028 SH   SOLE   5,028 0 0
MEDTRONIC COM G5960L103 142 1,761 SH   DFND 7 0 1,761 0
MEDTRONIC COM G5960L103 28 350 SH   DFND 01,06 0 350 0
MEDTRONIC COM G5960L103 133 1,650 SH   DFND 12 0 1,650 0
MEDTRONIC COM G5960L103 16 200 SH   DFND 5 0 200 0
MEDTRONIC COM G5960L103 2 20 SH   DFND 6 0 20 0
MEDTRONIC COM G5960L103 73 900 SH   DFND 1 0 900 0
MERCK COM 58933Y105 62 715 SH   SOLE   715 0 0
MERCK COM 58933Y105 95 1,100 SH   DFND 12 0 1,100 0
MERCK COM 58933Y105 168 1,950 SH   DFND 7 0 1,950 0
MICROSOFT CORP COM 594918104 1,110 4,768 SH   SOLE   4,768 0 0
MICROSOFT CORP COM 594918104 1,303 5,594 SH   DFND 7 0 5,594 0
MICROSOFT CORP COM 594918104 82 350 SH   DFND 01,06 0 350 0
MICROSOFT CORP COM 594918104 30 130 SH   DFND 6 0 130 0
MICROSOFT CORP COM 594918104 483 2,075 SH   DFND 12 0 2,075 0
MICROSOFT CORP COM 594918104 44 190 SH   DFND 5 0 190 0
MICROSOFT CORP COM 594918104 228 979 SH   DFND 1 0 979 0
NESTLE SA ADR COM 641069406 1,014 9,419 SH   SOLE   9,419 0 0
NESTLE SA ADR COM 641069406 1,086 10,093 SH   DFND 7 0 10,093 0
NESTLE SA ADR COM 641069406 102 950 SH   DFND 01,06 0 950 0
NESTLE SA ADR COM 641069406 32 295 SH   DFND 6 0 295 0
NESTLE SA ADR COM 641069406 453 4,214 SH   DFND 12 0 4,214 0
NESTLE SA ADR COM 641069406 62 575 SH   DFND 5 0 575 0
NESTLE SA ADR COM 641069406 172 1,600 SH   DFND 1 0 1,600 0
NIKE INC CLASS B COM 654106103 460 5,537 SH   SOLE   5,537 0 0
NIKE INC CLASS B COM 654106103 512 6,165 SH   DFND 7 0 6,165 0
NIKE INC CLASS B COM 654106103 27 325 SH   DFND 01,06 0 325 0
NIKE INC CLASS B COM 654106103 12 140 SH   DFND 6 0 140 0
NIKE INC CLASS B COM 654106103 169 2,030 SH   DFND 12 0 2,030 0
NIKE INC CLASS B COM 654106103 6 75 SH   DFND 5 0 75 0
NOVARTIS AG ADR COM 66987V109 625 8,224 SH   SOLE   8,224 0 0
NOVARTIS AG ADR COM 66987V109 735 9,672 SH   DFND 7 0 9,672 0
NOVARTIS AG ADR COM 66987V109 61 800 SH   DFND 01,06 0 800 0
NOVARTIS AG ADR COM 66987V109 26 345 SH   DFND 6 0 345 0
NOVARTIS AG ADR COM 66987V109 261 3,430 SH   DFND 12 0 3,430 0
NOVARTIS AG ADR COM 66987V109 57 750 SH   DFND 1 0 750 0
NVIDIA CORP COM 67066G104 309 2,543 SH   SOLE   2,543 0 0
NVIDIA CORP COM 67066G104 486 4,003 SH   DFND 7 0 4,003 0
NVIDIA CORP COM 67066G104 18 150 SH   DFND 01,06 0 150 0
NVIDIA CORP COM 67066G104 110 905 SH   DFND 12 0 905 0
NVIDIA CORP COM 67066G104 2 20 SH   DFND 5 0 20 0
NVIDIA CORP COM 67066G104 1 10 SH   DFND 6 0 10 0
NVIDIA CORP COM 67066G104 107 880 SH   DFND 1 0 880 0
ORSTED A S COM BYT16L900 124 1,550 SH   SOLE   1,550 0 0
ORSTED A S COM BYT16L900 139 1,735 SH   DFND 12 0 1,735 0
ORSTED A S COM BYT16L900 80 1,000 SH   DFND 7 0 1,000 0
PAYPAL HOLDINGS COM 70450Y103 367 4,262 SH   SOLE   4,262 0 0
PAYPAL HOLDINGS COM 70450Y103 422 4,901 SH   DFND 7 0 4,901 0
PAYPAL HOLDINGS COM 70450Y103 37 425 SH   DFND 01,06 0 425 0
PAYPAL HOLDINGS COM 70450Y103 10 120 SH   DFND 6 0 120 0
PAYPAL HOLDINGS COM 70450Y103 161 1,875 SH   DFND 12 0 1,875 0
PAYPAL HOLDINGS COM 70450Y103 7 85 SH   DFND 5 0 85 0
PAYPAL HOLDINGS COM 70450Y103 73 850 SH   DFND 1 0 850 0
PEPSICO COM 713448108 278 1,700 SH   SOLE   1,700 0 0
PEPSICO COM 713448108 110 675 SH   DFND 12 0 675 0
PROCTER & GAMBLE COM 742718109 1,186 9,392 SH   SOLE   9,392 0 0
PROCTER & GAMBLE COM 742718109 1,139 9,020 SH   DFND 7 0 9,020 0
PROCTER & GAMBLE COM 742718109 110 875 SH   DFND 01,06 0 875 0
PROCTER & GAMBLE COM 742718109 32 255 SH   DFND 6 0 255 0
PROCTER & GAMBLE COM 742718109 488 3,865 SH   DFND 12 0 3,865 0
PROCTER & GAMBLE COM 742718109 63 500 SH   DFND 5 0 500 0
PROCTER & GAMBLE COM 742718109 164 1,300 SH   DFND 1 0 1,300 0
RAYTHEON TECHNOLOGIES COM 75513E101 523 6,386 SH   SOLE   6,386 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 1,011 12,345 SH   DFND 7 0 12,345 0
RAYTHEON TECHNOLOGIES COM 75513E101 70 850 SH   DFND 01,06 0 850 0
RAYTHEON TECHNOLOGIES COM 75513E101 33 400 SH   DFND 6 0 400 0
RAYTHEON TECHNOLOGIES COM 75513E101 363 4,430 SH   DFND 12 0 4,430 0
RAYTHEON TECHNOLOGIES COM 75513E101 45 550 SH   DFND 5 0 550 0
RAYTHEON TECHNOLOGIES COM 75513E101 139 1,700 SH   DFND 1 0 1,700 0
ROCKWELL AUTOMATION COM 773903109 807 3,752 SH   SOLE   3,752 0 0
ROCKWELL AUTOMATION COM 773903109 839 3,900 SH   DFND 7 0 3,900 0
ROCKWELL AUTOMATION COM 773903109 43 200 SH   DFND 01,06 0 200 0
ROCKWELL AUTOMATION COM 773903109 27 125 SH   DFND 6 0 125 0
ROCKWELL AUTOMATION COM 773903109 296 1,375 SH   DFND 12 0 1,375 0
ROCKWELL AUTOMATION COM 773903109 38 175 SH   DFND 5 0 175 0
ROCKWELL AUTOMATION COM 773903109 172 800 SH   DFND 1 0 800 0
SPDR S&P 500 ETF COM 78462F103 359 1,004 SH   DFND 7 0 1,004 0
THERMO FISHER SCIENTIFIC COM 883556102 26 51 SH   SOLE   51 0 0
THERMO FISHER SCIENTIFIC COM 883556102 25 50 SH   DFND 7 0 50 0
THERMO FISHER SCIENTIFIC COM 883556102 203 400 SH   DFND 1 0 400 0
TJX COS COM 872540109 699 11,254 SH   SOLE   11,254 0 0
TJX COS COM 872540109 847 13,640 SH   DFND 7 0 13,640 0
TJX COS COM 872540109 43 700 SH   DFND 01,06 0 700 0
TJX COS COM 872540109 20 330 SH   DFND 6 0 330 0
TJX COS COM 872540109 296 4,770 SH   DFND 12 0 4,770 0
TJX COS COM 872540109 26 425 SH   DFND 5 0 425 0
TJX COS COM 872540109 106 1,700 SH   DFND 1 0 1,700 0
UNILEVER PLC NEW ADR COM 904767704 476 10,869 SH   SOLE   10,869 0 0
UNILEVER PLC NEW ADR COM 904767704 535 12,200 SH   DFND 7 0 12,200 0
UNILEVER PLC NEW ADR COM 904767704 25 575 SH   DFND 6 0 575 0
UNILEVER PLC NEW ADR COM 904767704 289 6,595 SH   DFND 12 0 6,595 0
UNILEVER PLC NEW ADR COM 904767704 20 450 SH   DFND 5 0 450 0
UNION PACIFIC COM 907818108 63 322 SH   SOLE   322 0 0
UNION PACIFIC COM 907818108 68 350 SH   DFND 01,06 0 350 0
UNION PACIFIC COM 907818108 244 1,250 SH   DFND 12 0 1,250 0
UNITED HEALTH GROUP COM 91324P102 878 1,738 SH   SOLE   1,738 0 0
UNITED HEALTH GROUP COM 91324P102 1,246 2,467 SH   DFND 7 0 2,467 0
UNITED HEALTH GROUP COM 91324P102 56 110 SH   DFND 01,06 0 110 0
UNITED HEALTH GROUP COM 91324P102 20 40 SH   DFND 6 0 40 0
UNITED HEALTH GROUP COM 91324P102 384 760 SH   DFND 12 0 760 0
UNITED HEALTH GROUP COM 91324P102 56 110 SH   DFND 5 0 110 0
UNITED HEALTH GROUP COM 91324P102 177 350 SH   DFND 1 0 350 0
VANGUARD DIVIDEND APPRECIATION COM 921908844 885 6,548 SH   SOLE   6,548 0 0
WASTE MANAGEMENT INC COM 94106L109 196 1,225 SH   SOLE   1,225 0 0
WASTE MANAGEMENT INC COM 94106L109 545 3,400 SH   DFND 7 0 3,400 0
XYLEM INC COM 98419M100 675 7,730 SH   SOLE   7,730 0 0
XYLEM INC COM 98419M100 773 8,852 SH   DFND 7 0 8,852 0
XYLEM INC COM 98419M100 17 200 SH   DFND 6 0 200 0
XYLEM INC COM 98419M100 229 2,625 SH   DFND 12 0 2,625 0
XYLEM INC COM 98419M100 22 250 SH   DFND 5 0 250 0
XYLEM INC COM 98419M100 131 1,500 SH   DFND 1 0 1,500 0
AB TRUST AB DISCOVERY VALUE FU Equity Mutual Fu 018914408 687 34,346 SH   SOLE   34,346 0 0
ARTISAN INTERNATIONAL SMALLMID Equity Mutual Fu 04314H576 556 39,483 SH   SOLE   39,483 0 0
FIDELITY TOTAL MARKET INDEX FU Equity Mutual Fu 315911693 381 3,800 SH   DFND 5 0 3,800 0
OAKMARK INTL FD Equity Mutual Fu 413838202 639 33,325 SH   DFND 7 0 33,325 0
ROBECO BOSTON PARTNERS LONG SH Equity Mutual Fu 74925K581 200 12,962 SH   DFND 7 0 12,962 0
T ROWE PRICE INST LARGE-CAP GR Equity Mutual Fu 45775L408 1,263 26,458 SH   SOLE   26,458 0 0
VANGUARD DIVIDEND GROWTH Equity Mutual Fu 921908604 2,312 72,308 SH   SOLE   72,308 0 0
VANGUARD DIVIDEND GROWTH Equity Mutual Fu 921908604 160 4,990 SH   DFND 1 0 4,990 0
VANGUARD SMALL CAP INDEX FD AD Equity Mutual Fu 922908686 237 2,889 SH   SOLE   2,889 0 0
VANGUARD STAR FD Equity Mutual Fu 921909107 1,374 56,436 SH   SOLE   56,436 0 0
VANGUARD TOTAL STOCK MARKET IN Equity Mutual Fu 922908728 262 2,998 SH   SOLE   2,998 0 0
WALTHAUSEN FOCUSED SMALL CAP V Equity Mutual Fu 933310203 223 21,444 SH   DFND 7 0 21,444 0
WCM FOCUSED INTERNATIONAL GROW Equity Mutual Fu 461418444 623 35,882 SH   SOLE   35,882 0 0