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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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABORATORIES Equities 002824100   885 8,065 SH   DFND   8,065 0 0
ABBOTT LABORATORIES Equities 002824100   4,685 42,671 SH   SOLE   42,646 0 25
ABBVIE INC Equities 00287Y109   1,299 8,040 SH   DFND   8,040 0 0
ABBVIE INC Equities 00287Y109   6,741 41,714 SH   SOLE   41,680 0 34
ACCENTURE PLC A Equities G1151C101   305 1,143 SH   SOLE   1,143 0 0
ADOBE INC Equities 00724F101   7 22 SH   DFND   22 0 0
ADOBE INC Equities 00724F101   281 835 SH   SOLE   827 0 8
ALPHABET INC CAP STK CLASS C Equities 02079K107   7 80 SH   DFND   80 0 0
ALPHABET INC CAP STK CLASS C Equities 02079K107   745 8,400 SH   SOLE   8,353 0 47
ALPHABET INC CLASS A Equities 02079K305   7 80 SH   DFND   80 0 0
ALPHABET INC CLASS A Equities 02079K305   531 6,024 SH   SOLE   5,977 0 47
AMAZON.COM INC Equities 023135106   12 140 SH   DFND   140 0 0
AMAZON.COM INC Equities 023135106   803 9,562 SH   SOLE   9,517 0 45
AMERICAN EXPRESS COMMON Equities 025816109   351 2,375 SH   DFND   2,375 0 0
AMERICAN EXPRESS COMMON Equities 025816109   210 1,421 SH   SOLE   1,421 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   158 506 SH   DFND   506 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   221 710 SH   SOLE   703 0 7
AMGEN INC Equities 031162100   227 866 SH   SOLE   866 0 0
AON PLC Equities G0403H108   462 1,540 SH   SOLE   1,540 0 0
APOLLO GLOBAL MGMT INC Equities 03769M106   246 3,853 SH   SOLE   3,853 0 0
APPLE INC COMMON Equities 037833100   25 190 SH   DFND   190 0 0
APPLE INC COMMON Equities 037833100   3,364 25,894 SH   SOLE   25,808 0 86
APPLIED MATERIALS INC Equities 038222105   231 2,370 SH   SOLE   2,370 0 0
ARCHER DANIELS MIDLAND CO Equities 039483102   120,838 1,301,432 SH   SOLE   1,301,432 0 0
AT&T INC Equities 00206R102   10 547 SH   DFND   547 0 0
AT&T INC Equities 00206R102   497 27,013 SH   SOLE   26,878 0 135
AUTOMATIC DATA PROCESSING INC Equities 053015103   96 400 SH   DFND   400 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   469 1,965 SH   SOLE   1,965 0 0
BANK AMER CORP COMMON Equities 060505104   350 10,562 SH   SOLE   10,562 0 0
BERKSHIRE HATHAWAY INC DEL CLAS Equities 084670702   678 2,194 SH   SOLE   2,194 0 0
BRISTOL MYERS SQUIBB COMMON Equities 110122108   6 78 SH   DFND   78 0 0
BRISTOL MYERS SQUIBB COMMON Equities 110122108   232 3,228 SH   SOLE   3,228 0 0
CAPITAL ONE FINL CORP COMMON Equities 14040H105   262 2,822 SH   SOLE   2,822 0 0
CATERPILLAR INC. Equities 149123101   6 25 SH   DFND   25 0 0
CATERPILLAR INC. Equities 149123101   259 1,080 SH   SOLE   1,069 0 11
CHEVRON CORP Equities 166764100   499 2,780 SH   SOLE   2,773 0 7
CISCO SYSTEMS INC Equities 17275R102   136 2,858 SH   DFND   2,858 0 0
CISCO SYSTEMS INC Equities 17275R102   679 14,263 SH   SOLE   14,162 0 101
COCA-COLA CO Equities 191216100   827 13,000 SH   DFND   13,000 0 0
COCA-COLA CO Equities 191216100   649 10,202 SH   SOLE   10,202 0 0
COMCAST CORP NEW CL A Equities 20030N101   224 6,419 SH   SOLE   6,419 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   6 13 SH   DFND   13 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   299 655 SH   SOLE   649 0 6
DANAHER CORP COMMON Equities 235851102   350 1,319 SH   SOLE   1,319 0 0
EATON CORP PLC Equities G29183103   309 1,969 SH   SOLE   1,959 0 10
EXXON MOBIL CORP Equities 30231G102   1,268 11,500 SH   DFND   11,500 0 0
EXXON MOBIL CORP Equities 30231G102   766 6,944 SH   SOLE   6,944 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805   301 6,850 SH   DFND   6,850 0 0
GENERAL ELECTRIC CO Equities 369604301   189 2,250 SH   DFND   2,250 0 0
GENERAL ELECTRIC CO Equities 369604301   149 1,782 SH   SOLE   1,782 0 0
HUBBELL INC NPV Equities 443510607   593 2,525 SH   DFND   2,525 0 0
INTEL CORP Equities 458140100   3 128 SH   DFND   128 0 0
INTEL CORP Equities 458140100   658 24,913 SH   SOLE   24,827 0 86
INTERNATIONAL BUSINESS MACHINES Equities 459200101   7 53 SH   DFND   53 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   203 1,444 SH   SOLE   1,426 0 18
INVESCO AC VAR ETF Equities 46090A879   259 10,478 SH   DFND   10,478 0 0
INVESCO AC VAR ETF Equities 46090A879   16,289 659,192 SH   SOLE   655,382 0 3,810
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   250 938 SH   SOLE   938 0 0
ISHARES AAA-A RATED CORP BOND E Equities 46429B291   737 15,900 SH   SOLE   15,900 0 0
ISHARES AGENCY BOND ETF Equities 464288166   2,452 23,035 SH   SOLE   23,035 0 0
ISHARES CORE MSCI EMERG MARKTET Equities 46434G103   1,016 21,764 SH   SOLE   21,764 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   1,505 3,916 SH   SOLE   3,916 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   254 2,685 SH   DFND   2,685 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   1,040 10,990 SH   SOLE   10,948 0 42
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   223 2,300 SH   DFND   2,300 0 0
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   868 8,950 SH   SOLE   8,950 0 0
ISHARES GLBL MAT ETF Equities 464288695   600 7,628 SH   SOLE   7,628 0 0
ISHARES GLOBAL CONSUMER DISCR E Equities 464288745   459 3,644 SH   SOLE   3,644 0 0
ISHARES GNMA BOND ETF Equities 46429B333   2,409 55,380 SH   SOLE   55,380 0 0
ISHARES MSCI EAFE Equities 464287465   57 870 SH   DFND   870 0 0
ISHARES MSCI EAFE Equities 464287465   942 14,352 SH   SOLE   14,352 0 0
ISHARES MSCI EMERG Equities 464287234   34 900 SH   DFND   900 0 0
ISHARES MSCI EMERG Equities 464287234   488 12,887 SH   SOLE   12,887 0 0
ISHARES RUSSELL 1000 VALUE Equities 464287598   563 3,714 SH   SOLE   3,714 0 0
ISHARES RUSSELL 2000 Equities 464287655   73 418 SH   DFND   418 0 0
ISHARES RUSSELL 2000 Equities 464287655   1,842 10,567 SH   SOLE   10,567 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   47 800 SH   DFND   800 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   281 4,799 SH   SOLE   4,799 0 0
ISHARES S&P GLO INDS Equities 464288729   595 5,585 SH   SOLE   5,585 0 0
ISHARES S&P GLOB TECH SECTOR ID Equities 464287291   558 12,450 SH   SOLE   12,450 0 0
ISHARES S&P GLOBAL FINANCIALS I Equities 464287333   607 8,635 SH   SOLE   8,635 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   191 3,830 SH   DFND   3,830 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   389 7,815 SH   SOLE   7,815 0 0
ISHARES TR MSCI Equities 464288257   1,828 21,540 SH   SOLE   21,540 0 0
ISHARES TR S&P MIDCAP 400 INDEX Equities 464287507   349 1,443 SH   SOLE   1,443 0 0
ISHS INTL SEL DV ETF Equities 464288448   381 14,021 SH   DFND   14,021 0 0
ISHS INTL SEL DV ETF Equities 464288448   6,149 226,407 SH   SOLE   219,549 0 6,858
JM SMUCKER CO/THE-NEW COM Equities 832696405   230 1,450 SH   SOLE   1,450 0 0
JOHNSON & JOHNSON Equities 478160104   1,067 6,038 SH   DFND   6,038 0 0
JOHNSON & JOHNSON Equities 478160104   752 4,255 SH   SOLE   4,240 0 15
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   490 10,653 SH   DFND   10,653 0 0
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   13,752 299,065 SH   SOLE   297,671 0 1,394
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   206 4,115 SH   DFND   4,115 0 0
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   314 6,270 SH   SOLE   6,270 0 0
JPMORGAN CHASE & CO Equities 46625H100   9 70 SH   DFND   70 0 0
JPMORGAN CHASE & CO Equities 46625H100   975 7,273 SH   SOLE   7,259 0 14
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   689 13,630 SH   DFND   13,630 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   7,151 141,499 SH   SOLE   141,499 0 0
KROGER CO Equities 501044101   472 10,594 SH   SOLE   10,594 0 0
LILLY ELI & COMMON Equities 532457108   5 14 SH   DFND   14 0 0
LILLY ELI & COMMON Equities 532457108   671 1,835 SH   SOLE   1,827 0 8
MASTERCARD CL A Equities 57636Q104   5 15 SH   DFND   15 0 0
MASTERCARD CL A Equities 57636Q104   412 1,184 SH   SOLE   1,184 0 0
MCDONALDS CORP COMMON Equities 580135101   241 916 SH   SOLE   916 0 0
MERCK & CO INC NEW Equities 58933Y105   674 6,075 SH   DFND   6,075 0 0
MERCK & CO INC NEW Equities 58933Y105   1,044 9,410 SH   SOLE   9,386 0 24
META PLATFORMS INC. Equities 30303M102   7 58 SH   DFND   58 0 0
META PLATFORMS INC. Equities 30303M102   393 3,265 SH   SOLE   3,239 0 26
METLIFE INC COMMON Equities 59156R108   215 2,968 SH   SOLE   2,968 0 0
MICROSOFT CORP Equities 594918104   50 210 SH   DFND   210 0 0
MICROSOFT CORP Equities 594918104   2,127 8,869 SH   SOLE   8,827 0 42
MOODYS CORP Equities 615369105   241 864 SH   SOLE   864 0 0
NEXTERA ENERGY INC Equities 65339F101   247 2,952 SH   SOLE   2,952 0 0
NVIDIA CORP Equities 67066G104   6 43 SH   DFND   43 0 0
NVIDIA CORP Equities 67066G104   350 2,394 SH   SOLE   2,369 0 25
ORACLE CORP Equities 68389X105   82 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   245 3,000 SH   SOLE   3,000 0 0
PAYCHEX COMMON Equities 704326107   6 51 SH   DFND   51 0 0
PAYCHEX COMMON Equities 704326107   247 2,136 SH   SOLE   2,115 0 21
PEPSICO INC Equities 713448108   405 2,243 SH   SOLE   2,243 0 0
PFIZER INC Equities 717081103   202 3,940 SH   DFND   3,940 0 0
PFIZER INC Equities 717081103   286 5,577 SH   SOLE   5,577 0 0
PROCTER & GAMBLE CO Equities 742718109   17,137 113,069 SH   SOLE   113,069 0 0
PRUDENTIAL FINL INC Equities 744320102   7 69 SH   DFND   69 0 0
PRUDENTIAL FINL INC Equities 744320102   331 3,331 SH   SOLE   3,307 0 24
QUALCOMM INC COMMON Equities 747525103   208 1,888 SH   SOLE   1,888 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   471 4,668 SH   DFND   4,668 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   115 1,143 SH   SOLE   1,143 0 0
S&P GLOBAL INC COM Equities 78409V104   402 1,200 SH   DFND   1,200 0 0
S&P GLOBAL INC COM Equities 78409V104   184 548 SH   SOLE   548 0 0
SALESFORCE INC Equities 79466L302   4 32 SH   DFND   32 0 0
SALESFORCE INC Equities 79466L302   295 2,228 SH   SOLE   2,211 0 17
SCHWAB STRATEGIC TR Equities 808524706   280 11,814 SH   SOLE   11,814 0 0
SCHWAB STRATEGIC TR Equities 808524805   464 14,419 SH   SOLE   14,419 0 0
SCHWAB STRATEGIC US DIVIDEND EQ Equities 808524797   556 7,364 SH   SOLE   7,364 0 0
SPDR BARCLAYS BLOOMBERG ST BD E Equities 78464A474   590 20,090 SH   DFND   20,090 0 0
SPDR BARCLAYS BLOOMBERG ST BD E Equities 78464A474   45,729 1,556,470 SH   SOLE   1,548,573 0 7,897
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408   202 8,336 SH   DFND   8,336 0 0
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408   2,620 108,085 SH   SOLE   105,079 0 3,006
SPDR GOLD TR GOLD SHS Equities 78463V107   85 500 SH   DFND   500 0 0
SPDR GOLD TR GOLD SHS Equities 78463V107   205 1,211 SH   SOLE   1,211 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   519 1,356 SH   DFND   1,356 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   19,188 50,174 SH   SOLE   50,132 0 42
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   71 160 SH   DFND   160 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   1,859 4,198 SH   SOLE   4,183 0 15
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739   2,380 50,652 SH   DFND   50,652 0 0
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739   24,977 531,656 SH   SOLE   531,656 0 0
TARGET CORP Equities 87612E106   768 5,153 SH   SOLE   5,153 0 0
TECH SELECT SEC SPDR Equities 81369Y803   31 250 SH   DFND   250 0 0
TECH SELECT SEC SPDR Equities 81369Y803   697 5,601 SH   SOLE   5,601 0 0
TESLA MTRS INC Equities 88160R101   7 55 SH   DFND   55 0 0
TESLA MTRS INC Equities 88160R101   333 2,706 SH   SOLE   2,679 0 27
THE HOME DEPOT INC Equities 437076102   9 29 SH   DFND   29 0 0
THE HOME DEPOT INC Equities 437076102   616 1,950 SH   SOLE   1,942 0 8
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   6 10 SH   DFND   10 0 0
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   359 651 SH   SOLE   646 0 5
UNION PACIFIC CORP Equities 907818108   994 4,800 SH   DFND   4,800 0 0
UNION PACIFIC CORP Equities 907818108   166 803 SH   SOLE   803 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   9 17 SH   DFND   17 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   806 1,520 SH   SOLE   1,515 0 5
VANGUARD FTSE EMERGING MARKETS Equities 922042858   281 7,199 SH   DFND   7,199 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858   10,087 258,770 SH   SOLE   258,258 0 512
VANGUARD IND FD MID-CAP ETF Equities 922908629   309 1,515 SH   SOLE   1,515 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   483 3,636 SH   DFND   3,636 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   12,334 92,835 SH   SOLE   92,591 0 244
VANGUARD LARGE-CAP ETF Equities 922908637   1,542 8,852 SH   DFND   8,852 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   25,067 143,899 SH   SOLE   143,899 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   1,058 21,379 SH   SOLE   21,379 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   1,478 28,583 SH   DFND   28,583 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   49,691 960,776 SH   SOLE   960,776 0 0
VERIZON COMMUNICATIONS INC COMM Equities 92343V104   230 5,829 SH   SOLE   5,829 0 0
VISA COMMON CL A Equities 92826C839   10 48 SH   DFND   48 0 0
VISA COMMON CL A Equities 92826C839   638 3,073 SH   SOLE   3,051 0 22
WALT DISNEY COMMON Equities 254687106   6 65 SH   DFND   65 0 0
WALT DISNEY COMMON Equities 254687106   483 5,564 SH   SOLE   5,533 0 31
WELLS FARGO & CO Equities 949746101   443 10,725 SH   SOLE   10,725 0 0