| 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 |
| ACADIA Pharmaceuticals Inc | COM | 004225108 | 3,928 | 168,276 | SH | | DFND | 1 | 168,276 | 0 | 0 |
| Activision Blizzard Inc | COM | 00507V109 | 26,436 | 397,359 | SH | | DFND | 1 | 397,359 | 0 | 0 |
| Albemarle Corp | COM | 012653101 | 1,989 | 8,510 | SH | | DFND | 1 | 8,510 | 0 | 0 |
| Alphabet Inc - CL C | CLS C | 02079K107 | 92,453 | 31,951 | SH | | DFND | 1 | 31,951 | 0 | 0 |
| Altria Group Inc | COM | 02209S103 | 27,522 | 580,750 | SH | | DFND | 1 | 580,750 | 0 | 0 |
| Amazon.Com Inc | COM | 023135106 | 31,863 | 9,556 | SH | | DFND | 1 | 9,556 | 0 | 0 |
| Ameren Corp | COM | 023608102 | 30,484 | 342,476 | SH | | DFND | 1 | 342,476 | 0 | 0 |
| American Water Works Co Inc | COM | 030420103 | 9,250 | 48,976 | SH | | DFND | 1 | 48,976 | 0 | 0 |
| Ansys Inc | COM | 03662Q105 | 1,850 | 4,613 | SH | | DFND | 1 | 4,613 | 0 | 0 |
| Anthem Inc | COM | 036752103 | 44,633 | 96,288 | SH | | DFND | 1 | 96,288 | 0 | 0 |
| AT&T Inc | COM | 00206R102 | 29,516 | 1,199,843 | SH | | DFND | 1 | 1,199,843 | 0 | 0 |
| Automatic Data Processing Inc | COM | 053015103 | 4,935 | 20,015 | SH | | DFND | 1 | 20,015 | 0 | 0 |
| Bank of America Corp | COM | 060505104 | 36,735 | 825,684 | SH | | DFND | 1 | 825,684 | 0 | 0 |
| BHP Billiton Ltd Sponsored ADR | Sponsored ADS | 088606108 | 2,167 | 35,912 | SH | | DFND | 1 | 35,912 | 0 | 0 |
| Bristol-Myers Squibb Co | COM | 110122108 | 29,506 | 473,239 | SH | | DFND | 1 | 473,239 | 0 | 0 |
| Burlington Stores Inc | COM | 122017106 | 1,604 | 5,501 | SH | | DFND | 1 | 5,501 | 0 | 0 |
| CDW Corp/DE | COM | 12514G108 | 2,721 | 13,289 | SH | | DFND | 1 | 13,289 | 0 | 0 |
| Chevron Corp | COM | 166764100 | 18,694 | 159,298 | SH | | DFND | 1 | 159,298 | 0 | 0 |
| Church & Dwight Co Inc | COM | 171340102 | 1,417 | 13,828 | SH | | DFND | 1 | 13,828 | 0 | 0 |
| Cintas Corp | COM | 172908105 | 6,996 | 15,786 | SH | | DFND | 1 | 15,786 | 0 | 0 |
| Comcast Corp - A | CLS A | 20030N101 | 33,341 | 662,455 | SH | | DFND | 1 | 662,455 | 0 | 0 |
| Community Bank System Inc | COM | 203607106 | 946 | 12,704 | SH | | DFND | 1 | 12,704 | 0 | 0 |
| Congent Communications | COM | 19239V302 | 3,051 | 41,694 | SH | | DFND | 1 | 41,694 | 0 | 0 |
| Constellation Brands Inc - A | CLS A | 21036P108 | 7,319 | 29,162 | SH | | DFND | 1 | 29,162 | 0 | 0 |
| Costco Wholesale Corp Common | COM | 22160K105 | 7,651 | 13,477 | SH | | DFND | 1 | 13,477 | 0 | 0 |
| Covetrus Inc | COM | 22304C100 | 1,286 | 64,378 | SH | | DFND | 1 | 64,378 | 0 | 0 |
| CROCS Inc | COM | 227046109 | 367 | 2,859 | SH | | DFND | 1 | 2,859 | 0 | 0 |
| Crown Castle International | COM | 22822V101 | 206 | 985 | SH | | DFND | 1 | 985 | 0 | 0 |
| CubeSmart | COM | 229663109 | 1,386 | 24,352 | SH | | DFND | 1 | 24,352 | 0 | 0 |
| Digital Realty Trust Inc | COM | 253868103 | 201 | 1,139 | SH | | DFND | 1 | 1,139 | 0 | 0 |
| Dun & Bradstreet Holdings | COM | 26484T106 | 9,175 | 447,771 | SH | | DFND | 1 | 447,771 | 0 | 0 |
| EOG Resources Inc | COM | 26875P101 | 26,272 | 295,758 | SH | | DFND | 1 | 295,758 | 0 | 0 |
| EVI Industries Inc | COM | 26929N102 | 7,614 | 243,793 | SH | | DFND | 1 | 243,793 | 0 | 0 |
| Exact Sciences | COM | 30063P105 | 11,703 | 150,371 | SH | | DFND | 1 | 150,371 | 0 | 0 |
| Fidelity National Information Services | COM | 31620M106 | 32,662 | 299,238 | SH | | DFND | 1 | 299,238 | 0 | 0 |
| First Republic Bank/CA | COM | 33616C100 | 2,593 | 12,555 | SH | | DFND | 1 | 12,555 | 0 | 0 |
| First Trust International Equity | INTL EQUITY OPP | 33734X853 | 346 | 6,000 | SH | | DFND | 1 | 6,000 | 0 | 0 |
| Fiserv Inc | COM | 337738108 | 30,430 | 293,186 | SH | | DFND | 1 | 293,186 | 0 | 0 |
| Gentex Corp | COM | 371901109 | 25,784 | 739,856 | SH | | DFND | 1 | 739,856 | 0 | 0 |
| Global X Thematic Growth ETF | THMATC GWT ETF | 37954Y418 | 622 | 14,000 | SH | | DFND | 1 | 14,000 | 0 | 0 |
| Home Depot Inc | COM | 437076102 | 173 | 417 | SH | | DFND | 1 | 417 | 0 | 0 |
| Intercontinental Exchange | COM | 45866F104 | 16,250 | 118,816 | SH | | DFND | 1 | 118,816 | 0 | 0 |
| International Flavors & Fragrances Inc | COM | 459506101 | 67 | 448 | SH | | DFND | 1 | 448 | 0 | 0 |
| Invesco Russell 1000 Equal Weight ETF | RUSEL 1000 EQL | 46138E420 | 1,065 | 22,500 | SH | | DFND | 1 | 22,500 | 0 | 0 |
| iShares Core MSCI Pacific ETF | CORE MSCI PAC | 46434V696 | 3,417 | 53,500 | SH | | DFND | 1 | 53,500 | 0 | 0 |
| ishares MSCI EAFE Growth ETF | EAFE GRWTH ETF | 464288885 | 706 | 6,400 | SH | | DFND | 1 | 6,400 | 0 | 0 |
| iShares MSCI INTL Momentum Factor ETF | MSCI INTL MOMENT | 46434V449 | 1,507 | 39,630 | SH | | DFND | 1 | 39,630 | 0 | 0 |
| iShares MSCI USA Min Vol Factor ETF | MSCI USA MIN | 46429B697 | 7,185 | 88,815 | SH | | DFND | 1 | 88,815 | 0 | 0 |
| iShares MSCI USA Momentum Factor ETF | MSCI USA MMENTM | 46432F396 | 1,483 | 8,158 | SH | | DFND | 1 | 8,158 | 0 | 0 |
| iShares MSCI USA Quality Factor ETF | MSCI USA QLT FCT | 46432F339 | 6,048 | 41,547 | SH | | DFND | 1 | 41,547 | 0 | 0 |
| iShares Russell Mid-Cap ETF | RUS MID CAP ETF | 464287499 | 5,666 | 68,260 | SH | | DFND | 1 | 68,260 | 0 | 0 |
| iShares Russell Top 200 Growth ETF | RUS TP200 GR ETF | 464289438 | 1,161 | 6,700 | SH | | DFND | 1 | 6,700 | 0 | 0 |
| Jack Henry & Associates Inc | COM | 426281101 | 1,576 | 9,436 | SH | | DFND | 1 | 9,436 | 0 | 0 |
| Johnson & Johnson | COM | 478160104 | 46,212 | 270,137 | SH | | DFND | 1 | 270,137 | 0 | 0 |
| Lazard Ltd - A | SHS A | G54050102 | 773 | 17,721 | SH | | DFND | 1 | 17,721 | 0 | 0 |
| Lowe's Cos Inc | COM | 548661107 | 43,254 | 167,339 | SH | | DFND | 1 | 167,339 | 0 | 0 |
| Mastercard Inc | CLS A | 57636Q104 | 55,457 | 154,339 | SH | | DFND | 1 | 154,339 | 0 | 0 |
| Maxar Technologies Ltd | COM | 57778K105 | 15,096 | 511,203 | SH | | DFND | 1 | 511,203 | 0 | 0 |
| Merck & Co Inc | COM | 58933Y105 | 61,092 | 797,123 | SH | | DFND | 1 | 797,123 | 0 | 0 |
| Meta Platforms Inc | CLS A | 30303M102 | 45,814 | 136,209 | SH | | DFND | 1 | 136,209 | 0 | 0 |
| Micron Technology Inc | COM | 595112103 | 38,038 | 408,353 | SH | | DFND | 1 | 408,353 | 0 | 0 |
| Microsoft Corp | COM | 594918104 | 68,121 | 202,549 | SH | | DFND | 1 | 202,549 | 0 | 0 |
| Morningstar Inc | COM | 617700109 | 2,096 | 6,130 | SH | | DFND | 1 | 6,130 | 0 | 0 |
| Motorola Solutions Inc | COM | 620076307 | 14,461 | 53,223 | SH | | DFND | 1 | 53,223 | 0 | 0 |
| MSCI Inc | COM | 55354G100 | 8,391 | 13,695 | SH | | DFND | 1 | 13,695 | 0 | 0 |
| Nektar Therapeutics | COM | 640268108 | 1,300 | 96,245 | SH | | DFND | 1 | 96,245 | 0 | 0 |
| Newmont Corp | COM | 651639106 | 24,919 | 401,790 | SH | | DFND | 1 | 401,790 | 0 | 0 |
| Northrop Grumman Corp | COM | 666807102 | 16,209 | 41,876 | SH | | DFND | 1 | 41,876 | 0 | 0 |
| Omeros Corp | COM | 682143102 | 53 | 8,251 | SH | | DFND | 1 | 8,251 | 0 | 0 |
| OraSure Technologies Inc | COM | 68554V108 | 7,108 | 817,905 | SH | | DFND | 1 | 817,905 | 0 | 0 |
| Parker Hannifin Corp | COM | 701094104 | 11,071 | 34,802 | SH | | DFND | 1 | 34,802 | 0 | 0 |
| PepsiCo Inc/NC | COM | 713448108 | 13,107 | 75,456 | SH | | DFND | 1 | 75,456 | 0 | 0 |
| Philip Morris International Inc | COM | 718172109 | 54,748 | 576,290 | SH | | DFND | 1 | 576,290 | 0 | 0 |
| PNC Financial Services Group Inc | COM | 693475105 | 52,902 | 263,823 | SH | | DFND | 1 | 263,823 | 0 | 0 |
| Progressive Corp | COM | 743315103 | 10,607 | 103,333 | SH | | DFND | 1 | 103,333 | 0 | 0 |
| Raymond James Financial Inc | COM | 754730109 | 1,370 | 13,645 | SH | | DFND | 1 | 13,645 | 0 | 0 |
| Raytheon Technologies | COM | 75513E101 | 40,129 | 466,290 | SH | | DFND | 1 | 466,290 | 0 | 0 |
| Roper Technologies | COM | 776696106 | 14,963 | 30,421 | SH | | DFND | 1 | 30,421 | 0 | 0 |
| Ross Stores Inc | COM | 778296103 | 26,898 | 235,369 | SH | | DFND | 1 | 235,369 | 0 | 0 |
| Spirit Aerosystems Hold - A | CLS A | 848574109 | 5,218 | 121,106 | SH | | DFND | 1 | 121,106 | 0 | 0 |
| Store Capital Corp | COM | 862121100 | 39,820 | 1,157,552 | SH | | DFND | 1 | 1,157,552 | 0 | 0 |
| Teradyne Inc | COM | 880770102 | 26,865 | 164,282 | SH | | DFND | 1 | 164,282 | 0 | 0 |
| Texas Instruments Inc | COM | 882508104 | 30,695 | 162,862 | SH | | DFND | 1 | 162,862 | 0 | 0 |
| TJX Companies Inc | COM | 872540109 | 17,616 | 232,038 | SH | | DFND | 1 | 232,038 | 0 | 0 |
| Truist Financial Corp | COM | 89832Q109 | 14,558 | 248,639 | SH | | DFND | 1 | 248,639 | 0 | 0 |
| Twilio Inc | COM | 90138F102 | 3,703 | 14,060 | SH | | DFND | 1 | 14,060 | 0 | 0 |
| Tyler Technologies Inc | COM | 902252105 | 28,643 | 53,245 | SH | | DFND | 1 | 53,245 | 0 | 0 |
| United Rentals Inc | COM | 911363109 | 7,724 | 23,245 | SH | | DFND | 1 | 23,245 | 0 | 0 |
| UnitedHealth Group Inc | COM | 91324P102 | 8,516 | 16,960 | SH | | DFND | 1 | 16,960 | 0 | 0 |
| Valero Energy Corp | COM | 91913Y100 | 19,880 | 264,673 | SH | | DFND | 1 | 264,673 | 0 | 0 |
| Vanguard FTSE Emerging Market ETF | FTSE EMR MKT ETF | 922042858 | 767 | 15,500 | SH | | DFND | 1 | 15,500 | 0 | 0 |
| Vanguard International Dividend Apprec | INTL DVD ETF | 921946810 | 5,288 | 61,901 | SH | | DFND | 1 | 61,901 | 0 | 0 |
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 2,089 | 26,600 | SH | | DFND | 1 | 26,600 | 0 | 0 |
| Vanguard Russell 1000 Value | VNG RUS1000VAL | 92206C714 | 5,604 | 76,000 | SH | | DFND | 1 | 76,000 | 0 | 0 |
| Vanguard S&P 500 ETF | S&P 500 ETF SHS | 922908363 | 9,403 | 21,539 | SH | | DFND | 1 | 21,539 | 0 | 0 |
| Verizon Communications Inc | COM | 92343V104 | 18,824 | 362,270 | SH | | DFND | 1 | 362,270 | 0 | 0 |
| Visa Inc - A | CLS A | 92826C839 | 47,626 | 219,768 | SH | | DFND | 1 | 219,768 | 0 | 0 |
| Vontier Corp | COM | 928881101 | 13,679 | 445,125 | SH | | DFND | 1 | 445,125 | 0 | 0 |
| WEC Energy Group | COM | 92939U106 | 6,309 | 64,992 | SH | | DFND | 1 | 64,992 | 0 | 0 |
