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 |
ABBVIE INC | Common Stock | 00287Y109 | 102,028 | 629,371 | SH | | DFND | 23 | 629,371 | 0 | 0 |
ALTRIA GROUP INC | Common Stock | 02209S103 | 44,678 | 855,075 | SH | | DFND | 23 | 855,075 | 0 | 0 |
AMERIPRISE FINANCIAL INC | Common Stock | 03076C106 | 3,599 | 11,983 | SH | | DFND | 23 | 11,983 | 0 | 0 |
AMGEN INC | Common Stock | 031162100 | 34,394 | 142,233 | SH | | DFND | 23 | 142,233 | 0 | 0 |
ANTHEM INC | Common Stock | 036752103 | 6,994 | 14,239 | SH | | DFND | 23 | 14,239 | 0 | 0 |
APPLE INC COM | Common Stock | 037833100 | 6,137 | 35,147 | SH | | DFND | 2 | 35,147 | 0 | 0 |
APPLIED MATERIALS INC | Common Stock | 038222105 | 4,912 | 37,272 | SH | | DFND | 23 | 37,272 | 0 | 0 |
AUTOMATIC DATA PROCESSING | Common Stock | 053015103 | 6,184 | 27,177 | SH | | DFND | 23 | 27,177 | 0 | 0 |
BANK OF AMERICA CORP COM | Common Stock | 060505104 | 894 | 21,697 | SH | | DFND | 2 | 21,697 | 0 | 0 |
BANK OF MONTREAL | Common Stock | 063671101 | 22,241 | 189,021 | SH | | DFND | 23 | 189,021 | 0 | 0 |
BANK OF NOVA SCOTIA | Common Stock | 064149107 | 21,563 | 300,867 | SH | | DFND | 23 | 300,867 | 0 | 0 |
BEST BUY CO INC | Common Stock | 086516101 | 5,884 | 64,726 | SH | | DFND | 23 | 64,726 | 0 | 0 |
CF INDUSTRIES HOLDINGS INC | Common Stock | 125269100 | 4,076 | 39,543 | SH | | DFND | 23 | 39,543 | 0 | 0 |
CSX CORP | Common Stock | 126408103 | 1,662 | 44,370 | SH | | DFND | 23 | 44,370 | 0 | 0 |
CANADIAN NATL RAILWAY CO | Common Stock | 136375102 | 16,902 | 125,996 | SH | | DFND | 23 | 125,996 | 0 | 0 |
CANADIAN PACIFIC RAILWAY LTD | Common Stock | 13645T100 | 13,587 | 164,734 | SH | | DFND | 23 | 164,734 | 0 | 0 |
CARDINAL HEALTH INC | Common Stock | 14149Y108 | 7,666 | 135,213 | SH | | DFND | 23 | 135,213 | 0 | 0 |
CATERPILLAR INC | Common Stock | 149123101 | 32,111 | 144,112 | SH | | DFND | 23 | 144,112 | 0 | 0 |
CELANESE CORP | Common Stock | 150870103 | 1,522 | 10,652 | SH | | DFND | 23 | 10,652 | 0 | 0 |
CISCO SYSTEMS INC | Common Stock | 17275R102 | 92,275 | 1,654,865 | SH | | DFND | 23 | 1,654,865 | 0 | 0 |
CITIGROUP INC COM NEW | Common Stock | 172967424 | 641 | 11,996 | SH | | DFND | 2 | 11,996 | 0 | 0 |
COCA-COLA CO/THE | Common Stock | 191216100 | 84,657 | 1,365,443 | SH | | DFND | 23 | 1,365,443 | 0 | 0 |
COLGATE-PALMOLIVE CO | Common Stock | 194162103 | 13,145 | 173,362 | SH | | DFND | 23 | 173,362 | 0 | 0 |
CUMMINS INC | Common Stock | 231021106 | 8,918 | 43,482 | SH | | DFND | 23 | 43,482 | 0 | 0 |
DISCOVER FINANCIAL SERVICES | Common Stock | 254709108 | 7,809 | 70,873 | SH | | DFND | 23 | 70,873 | 0 | 0 |
DOVER CORP | Common Stock | 260003108 | 1,595 | 10,167 | SH | | DFND | 23 | 10,167 | 0 | 0 |
EMERSON ELECTRIC CO | Common Stock | 291011104 | 20,881 | 212,962 | SH | | DFND | 23 | 212,962 | 0 | 0 |
FASTENAL CO | Common Stock | 311900104 | 8,934 | 150,393 | SH | | DFND | 23 | 150,393 | 0 | 0 |
FORTUNE BRANDS HOME & SECURI | Common Stock | 34964C106 | 1,310 | 17,631 | SH | | DFND | 23 | 17,631 | 0 | 0 |
GENERAL DYNAMICS CORP | Common Stock | 369550108 | 4,059 | 16,830 | SH | | DFND | 23 | 16,830 | 0 | 0 |
GENERAL MILLS INC | Common Stock | 370334104 | 12,451 | 183,849 | SH | | DFND | 23 | 183,849 | 0 | 0 |
GENUINE PARTS CO | Common Stock | 372460105 | 10,216 | 81,074 | SH | | DFND | 23 | 81,074 | 0 | 0 |
HP INC | Common Stock | 40434L105 | 6,557 | 180,646 | SH | | DFND | 23 | 180,646 | 0 | 0 |
HERSHEY CO/THE | Common Stock | 427866108 | 8,903 | 41,099 | SH | | DFND | 23 | 41,099 | 0 | 0 |
HOME DEPOT INC | Common Stock | 437076102 | 48,865 | 163,249 | SH | | DFND | 23 | 163,249 | 0 | 0 |
HONEYWELL INTERNATIONAL INC | Common Stock | 438516106 | 8,107 | 41,660 | SH | | DFND | 23 | 41,660 | 0 | 0 |
HUNTINGTON INGALLS INDUSTRIE | Common Stock | 446413106 | 3,614 | 18,124 | SH | | DFND | 23 | 18,124 | 0 | 0 |
ILLINOIS TOOL WORKS | Common Stock | 452308109 | 12,868 | 61,456 | SH | | DFND | 23 | 61,456 | 0 | 0 |
INTEL CORP | Common Stock | 458140100 | 38,680 | 780,464 | SH | | DFND | 23 | 780,464 | 0 | 0 |
INTL BUSINESS MACHINES CORP | Common Stock | 459200101 | 27,101 | 208,440 | SH | | DFND | 23 | 208,440 | 0 | 0 |
ISHARES TIPS BOND ETF | ETP | 464287176 | 4,729 | 47,714 | SH | | DFND | | 47,714 | 0 | 0 |
ISHARES CORE S&P 500 ETF | ETP | 464287200 | 1,361,699 | 3,001,388 | SH | | DFND | 2,23 | 3,001,388 | 0 | 0 |
ISHARES S&P 500 GROWTH ETF | ETP | 464287309 | 3,391 | 301,349 | SH | | DFND | | 301,349 | 0 | 0 |
ISHARES S&P 500 VALUE ETF | ETP | 464287408 | 2,150 | 374,405 | SH | | DFND | | 374,405 | 0 | 0 |
ISHARES CORE S&P MIDCAP ETF | ETP | 464287507 | 335,164 | 1,249,023 | SH | | DFND | 2,23 | 1,249,023 | 0 | 0 |
ISHARES CORE S&P SMALL-CAP ETF | ETP | 464287804 | 3,344 | 30,997 | SH | | DFND | 2 | 30,997 | 0 | 0 |
ISHARES NATIONAL MUNI BOND ETF | ETP | 464288414 | 3,307 | 30,163 | SH | | DFND | 2 | 30,163 | 0 | 0 |
ISHARES IBOXX $ HIGH YIELD | ETP | 464288513 | 4,482 | 54,462 | SH | | DFND | 2 | 54,462 | 0 | 0 |
ISHARES TR CORE MSCI EAFE ETF | ETP | 46432F842 | 758,942 | 10,918,454 | SH | | DFND | 2,23 | 10,918,454 | 0 | 0 |
ISHARES CORE MSCI EMERGING | ETP | 46434G103 | 321,208 | 5,782,321 | SH | | DFND | 2,23 | 5,782,321 | 0 | 0 |
JOHNSON & JOHNSON | Common Stock | 478160104 | 113,297 | 639,261 | SH | | DFND | 23 | 639,261 | 0 | 0 |
KLA CORP | Common Stock | 482480100 | 13,251 | 36,197 | SH | | DFND | 23 | 36,197 | 0 | 0 |
KELLOGG CO | Common Stock | 487836108 | 2,041 | 31,646 | SH | | DFND | 23 | 31,646 | 0 | 0 |
KIMBERLY-CLARK CORP | Common Stock | 494368103 | 19,858 | 161,240 | SH | | DFND | 23 | 161,240 | 0 | 0 |
KROGER CO | Common Stock | 501044101 | 4,906 | 85,519 | SH | | DFND | 23 | 85,519 | 0 | 0 |
LAM RESEARCH CORP | Common Stock | 512807108 | 11,733 | 21,823 | SH | | DFND | 23 | 21,823 | 0 | 0 |
ELI LILLY & CO | Common Stock | 532457108 | 30,233 | 105,577 | SH | | DFND | 23 | 105,577 | 0 | 0 |
LOCKHEED MARTIN CORP | Common Stock | 539830109 | 35,244 | 79,848 | SH | | DFND | 23 | 79,848 | 0 | 0 |
LOWE'S COS INC | Common Stock | 548661107 | 21,267 | 105,188 | SH | | DFND | 23 | 105,188 | 0 | 0 |
M & T BANK CORP | Common Stock | 55261F104 | 21,098 | 124,479 | SH | | DFND | 23 | 124,479 | 0 | 0 |
MAGNA INTERNATIONAL INC | Common Stock | 559222401 | 9,227 | 143,732 | SH | | DFND | 23 | 143,732 | 0 | 0 |
MCDONALD'S CORP | Common Stock | 580135101 | 37,889 | 153,223 | SH | | DFND | 23 | 153,223 | 0 | 0 |
MERCK & CO. INC. | Common Stock | 58933Y105 | 52,042 | 634,275 | SH | | DFND | 23 | 634,275 | 0 | 0 |
MOTOROLA SOLUTIONS INC | Common Stock | 620076307 | 2,440 | 10,073 | SH | | DFND | 23 | 10,073 | 0 | 0 |
NRG ENERGY INC | Common Stock | 629377508 | 1,590 | 41,450 | SH | | DFND | 23 | 41,450 | 0 | 0 |
NETAPP INC | Common Stock | 64110D104 | 4,797 | 57,795 | SH | | DFND | 23 | 57,795 | 0 | 0 |
OMNICOM GROUP | Common Stock | 681919106 | 8,986 | 105,873 | SH | | DFND | 23 | 105,873 | 0 | 0 |
ORACLE CORP | Common Stock | 68389X105 | 6,073 | 73,411 | SH | | DFND | 23 | 73,411 | 0 | 0 |
PAYCHEX INC | Common Stock | 704326107 | 14,959 | 109,615 | SH | | DFND | 23 | 109,615 | 0 | 0 |
PEPSICO INC | Common Stock | 713448108 | 65,477 | 391,189 | SH | | DFND | 23 | 391,189 | 0 | 0 |
PFIZER INC | Common Stock | 717081103 | 35,124 | 678,453 | SH | | DFND | 23 | 678,453 | 0 | 0 |
PHILIP MORRIS INTERNATIONAL | Common Stock | 718172109 | 53,668 | 571,309 | SH | | DFND | 23 | 571,309 | 0 | 0 |
PHILLIPS 66 | Common Stock | 718546104 | 4,583 | 53,051 | SH | | DFND | 23 | 53,051 | 0 | 0 |
T ROWE PRICE GROUP INC | Common Stock | 74144T108 | 5,847 | 38,676 | SH | | DFND | 23 | 38,676 | 0 | 0 |
PROCTER & GAMBLE CO/THE | Common Stock | 742718109 | 99,248 | 649,529 | SH | | DFND | 23 | 649,529 | 0 | 0 |
QUALCOMM INC | Common Stock | 747525103 | 11,582 | 75,784 | SH | | DFND | 23 | 75,784 | 0 | 0 |
REGIONS FINANCIAL CORP | Common Stock | 7591EP100 | 26,535 | 1,192,073 | SH | | DFND | 23 | 1,192,073 | 0 | 0 |
ROGERS COMMUNICATIONS INC-B | Common Stock | 775109200 | 19,703 | 348,938 | SH | | DFND | 23 | 348,938 | 0 | 0 |
ROYAL BANK OF CANADA | Common Stock | 780087102 | 21,912 | 199,018 | SH | | DFND | 23 | 199,018 | 0 | 0 |
SPDR PORTFOLIO SHORT TERMCORPORATE | ETP | 78464A474 | 3,678 | 122,083 | SH | | DFND | 2 | 122,083 | 0 | 0 |
STARBUCKS CORP | Common Stock | 855244109 | 15,042 | 165,358 | SH | | DFND | 2,23 | 165,358 | 0 | 0 |
SYNCHRONY FINANCIAL | Common Stock | 87165B103 | 13,464 | 386,790 | SH | | DFND | 23 | 386,790 | 0 | 0 |
SYSCO CORP | Common Stock | 871829107 | 11,458 | 140,331 | SH | | DFND | 23 | 140,331 | 0 | 0 |
TARGET CORP | Common Stock | 87612E106 | 21,115 | 99,495 | SH | | DFND | 23 | 99,495 | 0 | 0 |
TEXAS INSTRUMENTS INC | Common Stock | 882508104 | 46,726 | 254,671 | SH | | DFND | 23 | 254,671 | 0 | 0 |
3M CO | Common Stock | 88579Y101 | 35,654 | 239,487 | SH | | DFND | 23 | 239,487 | 0 | 0 |
TORONTO-DOMINION BANK | Common Stock | 891160509 | 19,681 | 248,055 | SH | | DFND | 23 | 248,055 | 0 | 0 |
TRUECAR INC | Common Stock | 89785L107 | 33,695 | 8,530,351 | SH | | DFND | 23 | 8,530,351 | 0 | 0 |
US BANCORP | Common Stock | 902973304 | 41,760 | 785,686 | SH | | DFND | 23 | 785,686 | 0 | 0 |
UNION PACIFIC CORP | Common Stock | 907818108 | 32,488 | 118,909 | SH | | DFND | 23 | 118,909 | 0 | 0 |
UNITED PARCEL SERVICE-CL B | Common Stock | 911312106 | 43,970 | 205,029 | SH | | DFND | 23 | 205,029 | 0 | 0 |
UNITEDHEALTH GROUP INC | Common Stock | 91324P102 | 61,080 | 119,773 | SH | | DFND | 23 | 119,773 | 0 | 0 |
VANECK HIGH YIELD MUNI ETF | ETP | 92189H409 | 1,547 | 26,957 | SH | | DFND | 2 | 26,957 | 0 | 0 |
MFC VANGUARD SPECIALIZED FUNDS S&P US DIVID GROWERS INDEX ETF SHS | ETP | 921908844 | 17,922 | 110,525 | SH | | DFND | | 110,525 | 0 | 0 |
VANGUARD TOTAL INTL STOCK | ETP | 921909768 | 15,743 | 263,517 | SH | | DFND | | 263,517 | 0 | 0 |
VANGUARD SHORT-TERM BOND ETF | ETP | 921937827 | 41,458 | 532,195 | SH | | DFND | | 532,195 | 0 | 0 |
VANGUARD BD INDEX FD INC TOTAL BD | ETP | 921937835 | 29,113 | 133,294 | SH | | DFND | 2 | 133,294 | 0 | 0 |
MFC VANGUARD WHITEHALL FDS HIGH DIVIDENDYIELD ETF SHS | ETP | 921946406 | 18,515 | 164,944 | SH | | DFND | | 164,944 | 0 | 0 |
MFC VANGUARD INTL EQUITY INDEX FDS VANGUARD FTSE ALL WORLD EX US ETF | ETP | 922042775 | 65,682 | 1,140,514 | SH | | DFND | | 1,140,514 | 0 | 0 |
VANGUARD S/T CORP BOND ETF | ETP | 92206C409 | 19,489 | 19,700 | SH | | DFND | | 19,700 | 0 | 0 |
VANGUARD LONG-TERM CORP BOND | ETP | 92206C813 | 18,019 | 192,362 | SH | | DFND | | 192,362 | 0 | 0 |
VANGUARD INT-TERM CORPORATE | ETP | 92206C870 | 18,684 | 2,198,667 | SH | | DFND | | 2,198,667 | 0 | 0 |
VANGUARD S&P 500 ETF | ETP | 922908363 | 106,789 | 257,217 | SH | | DFND | | 257,217 | 0 | 0 |
VANGUARD EXTENDED MARKET ETF | ETP | 922908652 | 31,816 | 140,201 | SH | | DFND | | 140,201 | 0 | 0 |
MFC VANGUARD INDEX FDS TOTAL STOCK MARKET ETF | ETP | 922908769 | 10,071 | 44,234 | SH | | DFND | | 44,234 | 0 | 0 |
VERIZON COMMUNICATIONS INC COM | Common Stock | 92343V104 | 46,069 | 904,398 | SH | | DFND | 2,23 | 904,398 | 0 | 0 |
MFC VICTORY PORTFOLIOS II SHARES USAA CORE INTERMEDIATE TERM BOND | ETP | 92647N527 | 88,383 | 1,776,863 | SH | | DFND | | 1,776,863 | 0 | 0 |
WALMART INC | Common Stock | 931142103 | 11,274 | 75,708 | SH | | DFND | 23 | 75,708 | 0 | 0 |
WASTE MANAGEMENT INC | Common Stock | 94106L109 | 6,716 | 42,370 | SH | | DFND | 23 | 42,370 | 0 | 0 |
ISHARES SHORT-TERM NATIONAL MUNI | ETP | 464288158 | 1,442 | 13,784 | SH | | DFND | 2 | 13,784 | 0 | 0 |
INDEXIQ ETF TR IQ MERGER ARBITRAGE | ETP | 45409B800 | 1,407 | 44,054 | SH | | DFND | 2 | 44,054 | 0 | 0 |
VANGUARD SCOTTSDALE FDS VANGUARD | ETP | 92206C771 | 2,944 | 58,757 | SH | | DFND | 2 | 58,757 | 0 | 0 |
VANGUARD MALVERN FDS SHORT-TERM | ETP | 922020805 | 1,948 | 38,031 | SH | | DFND | 2 | 38,031 | 0 | 0 |
PRINCIPAL EXCHANGE TRADED FDS | ETP | 74255Y888 | 1,764 | 92,917 | SH | | DFND | 2 | 92,917 | 0 | 0 |
SEAGATE TECHNOLOGY HOLDINGS | Common Stock | G7997R103 | 7,772 | 86,455 | SH | | DFND | 23 | 86,455 | 0 | 0 |
ISHARES GOLD TR ISHARES NEW | ETP | 464285204 | 5,382 | 146,123 | SH | | DFND | 2 | 146,123 | 0 | 0 |
COINBASE GLOBAL INC -CLASS A | Common Stock | 19260Q107 | 102,524 | 540,000 | SH | | DFND | 29 | 540,000 | 0 | 0 |
RANI THERAPEUTICS HOLDINGS-A | Common Stock | 753018100 | 6,498 | 481,300 | SH | | DFND | 23 | 481,300 | 0 | 0 |
WEBSTER FINANCIAL CORP | Common Stock | 947890109 | 4,314 | 76,860 | SH | | DFND | 23 | 76,860 | 0 | 0 |