| 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 | 2,910 | 177,852 | SH | | DFND | 1 | 177,852 | 0 | 0 |
| Activision Blizzard Inc | COM | 00507V109 | 30,923 | 415,973 | SH | | DFND | 1 | 415,973 | 0 | 0 |
| Adobe Inc | COM | 00724F101 | 13,985 | 50,818 | SH | | DFND | 1 | 50,818 | 0 | 0 |
| Albemarle Corp | COM | 012653101 | 2,353 | 8,898 | SH | | DFND | 1 | 8,898 | 0 | 0 |
| Alphabet Inc - CL C | CLS C | 02079K107 | 66,102 | 687,487 | SH | | DFND | 1 | 687,487 | 0 | 0 |
| Altria Group Inc | COM | 02209S103 | 25,499 | 631,486 | SH | | DFND | 1 | 631,486 | 0 | 0 |
| Amazon.Com Inc | COM | 023135106 | 23,973 | 212,154 | SH | | DFND | 1 | 212,154 | 0 | 0 |
| Ameren Corp | COM | 023608102 | 29,159 | 362,003 | SH | | DFND | 1 | 362,003 | 0 | 0 |
| American Water Works Co Inc | COM | 030420103 | 6,341 | 48,715 | SH | | DFND | 1 | 48,715 | 0 | 0 |
| Ansys Inc | COM | 03662Q105 | 1,069 | 4,822 | SH | | DFND | 1 | 4,822 | 0 | 0 |
| AT&T Inc | COM | 00206R102 | 19,226 | 1,253,349 | SH | | DFND | 1 | 1,253,349 | 0 | 0 |
| Bank of America Corp | COM | 060505104 | 28,916 | 957,478 | SH | | DFND | 1 | 957,478 | 0 | 0 |
| BHP Billiton Ltd Sponsored ADR | Sponsored ADS | 088606108 | 2,608 | 52,119 | SH | | DFND | 1 | 52,119 | 0 | 0 |
| Bristol-Myers Squibb Co | COM | 110122108 | 25,731 | 361,953 | SH | | DFND | 1 | 361,953 | 0 | 0 |
| Burlington Stores Inc | COM | 122017106 | 644 | 5,753 | SH | | DFND | 1 | 5,753 | 0 | 0 |
| CDW Corp/DE | COM | 12514G108 | 2,169 | 13,896 | SH | | DFND | 1 | 13,896 | 0 | 0 |
| Chevron Corp | COM | 166764100 | 15,810 | 110,042 | SH | | DFND | 1 | 110,042 | 0 | 0 |
| Church & Dwight Co Inc | COM | 171340102 | 1,033 | 14,460 | SH | | DFND | 1 | 14,460 | 0 | 0 |
| Cintas Corp | COM | 172908105 | 6,029 | 15,531 | SH | | DFND | 1 | 15,531 | 0 | 0 |
| Comcast Corp - A | CLS A | 20030N101 | 20,415 | 696,036 | SH | | DFND | 1 | 696,036 | 0 | 0 |
| Community Bank System Inc | COM | 203607106 | 798 | 13,281 | SH | | DFND | 1 | 13,281 | 0 | 0 |
| Congent Communications | COM | 19239V302 | 2,841 | 54,467 | SH | | DFND | 1 | 54,467 | 0 | 0 |
| Constellation Brands Inc - A | CLS A | 21036P108 | 7,025 | 30,584 | SH | | DFND | 1 | 30,584 | 0 | 0 |
| Costco Wholesale Corp Common | COM | 22160K105 | 6,631 | 14,040 | SH | | DFND | 1 | 14,040 | 0 | 0 |
| CROCS Inc | COM | 227046109 | 11,879 | 173,005 | SH | | DFND | 1 | 173,005 | 0 | 0 |
| Crown Castle International | COM | 22822V101 | 158 | 1,096 | SH | | DFND | 1 | 1,096 | 0 | 0 |
| CubeSmart | COM | 229663109 | 1,020 | 25,462 | SH | | DFND | 1 | 25,462 | 0 | 0 |
| Digital Realty Trust Inc | COM | 253868103 | 88 | 884 | SH | | DFND | 1 | 884 | 0 | 0 |
| Dun & Bradstreet Holdings | COM | 26484T106 | 8,517 | 687,444 | SH | | DFND | 1 | 687,444 | 0 | 0 |
| Elevance Health Inc | COM | 036752103 | 38,404 | 84,546 | SH | | DFND | 1 | 84,546 | 0 | 0 |
| EOG Resources Inc | COM | 26875P101 | 34,947 | 312,778 | SH | | DFND | 1 | 312,778 | 0 | 0 |
| EVI Industries Inc | COM | 26929N102 | 4,543 | 250,427 | SH | | DFND | 1 | 250,427 | 0 | 0 |
| Exact Sciences | COM | 30063P105 | 5,157 | 158,728 | SH | | DFND | 1 | 158,728 | 0 | 0 |
| Fidelity Growth Opportunities ETF | Fidelity Growth | 316092337 | 444 | 34,700 | SH | | DFND | 1 | 34,700 | 0 | 0 |
| Fidelity National Information Services | COM | 31620M106 | 20,434 | 270,403 | SH | | DFND | 1 | 270,403 | 0 | 0 |
| First Republic Bank/CA | COM | 33616C100 | 1,638 | 12,547 | SH | | DFND | 1 | 12,547 | 0 | 0 |
| First Trust International Equity | INTL EQUITY OPP | 33734X853 | 250 | 7,000 | SH | | DFND | 1 | 7,000 | 0 | 0 |
| Fiserv Inc | COM | 337738108 | 25,827 | 276,019 | SH | | DFND | 1 | 276,019 | 0 | 0 |
| Gentex Corp | COM | 371901109 | 24,603 | 1,032,015 | SH | | DFND | 1 | 1,032,015 | 0 | 0 |
| Hess Corp | COM | 42809H107 | 31,873 | 292,437 | SH | | DFND | 1 | 292,437 | 0 | 0 |
| Home Depot Inc | COM | 437076102 | 193 | 700 | SH | | DFND | 1 | 700 | 0 | 0 |
| Intercontinental Exchange | COM | 45866F104 | 11,166 | 123,586 | SH | | DFND | 1 | 123,586 | 0 | 0 |
| Invesco Russell 1000 Equal Weight ETF | RUSEL 1000 EQL | 46138E420 | 432 | 11,700 | SH | | DFND | 1 | 11,700 | 0 | 0 |
| iShares Core MSCI EAFE ETF | CORE MSCI EAFE | 46432F842 | 11,059 | 209,961 | SH | | DFND | 1 | 209,961 | 0 | 0 |
| iShares MSCI INTL Momentum Factor ETF | MSCI INTL MOMENT | 46434V449 | 863 | 32,130 | SH | | DFND | 1 | 32,130 | 0 | 0 |
| iShares MSCI USA Min Vol Factor ETF | MSCI USA MIN | 46429B697 | 4,758 | 71,989 | SH | | DFND | 1 | 71,989 | 0 | 0 |
| iShares MSCI USA Momentum Factor ETF | MSCI USA MMENTM | 46432F396 | 1,810 | 13,800 | SH | | DFND | 1 | 13,800 | 0 | 0 |
| iShares MSCI USA Quality Factor ETF | MSCI USA QLT FCT | 46432F339 | 3,196 | 30,747 | SH | | DFND | 1 | 30,747 | 0 | 0 |
| iShares Russell Mid-Cap ETF | RUS MID CAP ETF | 464287499 | 1,228 | 19,760 | SH | | DFND | 1 | 19,760 | 0 | 0 |
| iShares Russell Top 200 Growth ETF | RUS TP200 GR ETF | 464289438 | 681 | 5,700 | SH | | DFND | 1 | 5,700 | 0 | 0 |
| Jack Henry & Associates Inc | COM | 426281101 | 1,798 | 9,867 | SH | | DFND | 1 | 9,867 | 0 | 0 |
| Johnson & Johnson | COM | 478160104 | 44,135 | 270,170 | SH | | DFND | 1 | 270,170 | 0 | 0 |
| Lazard Ltd - A | SHS A | G54050102 | 590 | 18,525 | SH | | DFND | 1 | 18,525 | 0 | 0 |
| Mastercard Inc | CLS A | 57636Q104 | 43,511 | 153,025 | SH | | DFND | 1 | 153,025 | 0 | 0 |
| Maxar Technologies Ltd | COM | 57778K105 | 16,421 | 877,205 | SH | | DFND | 1 | 877,205 | 0 | 0 |
| Merck & Co Inc | COM | 58933Y105 | 62,912 | 730,516 | SH | | DFND | 1 | 730,516 | 0 | 0 |
| Micron Technology Inc | COM | 595112103 | 18,678 | 372,820 | SH | | DFND | 1 | 372,820 | 0 | 0 |
| Microsoft Corp | COM | 594918104 | 62,930 | 270,203 | SH | | DFND | 1 | 270,203 | 0 | 0 |
| Morningstar Inc | COM | 617700109 | 1,361 | 6,408 | SH | | DFND | 1 | 6,408 | 0 | 0 |
| Motorola Solutions Inc | COM | 620076307 | 12,475 | 55,701 | SH | | DFND | 1 | 55,701 | 0 | 0 |
| MSCI Inc | COM | 55354G100 | 5,751 | 13,634 | SH | | DFND | 1 | 13,634 | 0 | 0 |
| Nektar Therapeutics | COM | 640268108 | 327 | 102,178 | SH | | DFND | 1 | 102,178 | 0 | 0 |
| Newmont Corp | COM | 651639106 | 16,139 | 383,986 | SH | | DFND | 1 | 383,986 | 0 | 0 |
| Northrop Grumman Corp | COM | 666807102 | 20,852 | 44,335 | SH | | DFND | 1 | 44,335 | 0 | 0 |
| Omeros Corp | COM | 682143102 | 27 | 8,535 | SH | | DFND | 1 | 8,535 | 0 | 0 |
| OraSure Technologies Inc | COM | 68554V108 | 2,202 | 580,984 | SH | | DFND | 1 | 580,984 | 0 | 0 |
| Peabody Energy Corp | COM | 704551100 | 10,616 | 427,711 | SH | | DFND | 1 | 427,711 | 0 | 0 |
| PepsiCo Inc/NC | COM | 713448108 | 13,025 | 79,779 | SH | | DFND | 1 | 79,779 | 0 | 0 |
| Philip Morris International Inc | COM | 718172109 | 7,304 | 87,984 | SH | | DFND | 1 | 87,984 | 0 | 0 |
| PNC Financial Services Group Inc | COM | 693475105 | 34,339 | 229,814 | SH | | DFND | 1 | 229,814 | 0 | 0 |
| Raymond James Financial Inc | COM | 754730109 | 1,410 | 14,267 | SH | | DFND | 1 | 14,267 | 0 | 0 |
| Raytheon Technologies | COM | 75513E101 | 40,107 | 489,941 | SH | | DFND | 1 | 489,941 | 0 | 0 |
| Roper Technologies | COM | 776696106 | 11,591 | 32,230 | SH | | DFND | 1 | 32,230 | 0 | 0 |
| Ross Stores Inc | COM | 778296103 | 25,762 | 305,713 | SH | | DFND | 1 | 305,713 | 0 | 0 |
| SiteOne Landscape Supply | COM | 82982L103 | 4,446 | 42,696 | SH | | DFND | 1 | 42,696 | 0 | 0 |
| SPDR Gold Tracks | Gold SHS | 78463V107 | 302 | 1,955 | SH | | DFND | 1 | 1,955 | 0 | 0 |
| SPDR Portfolio S&P 500 Growth ETF | PRTFLO S&P500 GW | 78464A409 | 686 | 13,688 | SH | | DFND | 1 | 13,688 | 0 | 0 |
| Store Capital Corp | COM | 862121100 | 26,635 | 850,159 | SH | | DFND | 1 | 850,159 | 0 | 0 |
| T Rowe Price Blue Chip Growth ETF | PRICE BLUE CHIP | 87283Q107 | 344 | 16,520 | SH | | DFND | 1 | 16,520 | 0 | 0 |
| T Rowe Price Dividend Growth ETF | Price Div Grwt | 87283Q404 | 6,157 | 216,248 | SH | | DFND | 1 | 216,248 | 0 | 0 |
| Texas Instruments Inc | COM | 882508104 | 21,489 | 138,837 | SH | | DFND | 1 | 138,837 | 0 | 0 |
| TJX Companies Inc | COM | 872540109 | 35,946 | 578,659 | SH | | DFND | 1 | 578,659 | 0 | 0 |
| Truist Financial Corp | COM | 89832Q109 | 8,615 | 197,871 | SH | | DFND | 1 | 197,871 | 0 | 0 |
| Twilio Inc | CLS A | 90138F102 | 1,028 | 14,867 | SH | | DFND | 1 | 14,867 | 0 | 0 |
| Tyler Technologies Inc | COM | 902252105 | 19,803 | 56,987 | SH | | DFND | 1 | 56,987 | 0 | 0 |
| United Rentals Inc | COM | 911363109 | 57 | 212 | SH | | DFND | 1 | 212 | 0 | 0 |
| UnitedHealth Group Inc | COM | 91324P102 | 8,427 | 16,685 | SH | | DFND | 1 | 16,685 | 0 | 0 |
| Upwork Inc | COM | 91688F104 | 122 | 8,922 | SH | | DFND | 1 | 8,922 | 0 | 0 |
| Valero Energy Corp | COM | 91913Y100 | 46,316 | 433,465 | SH | | DFND | 1 | 433,465 | 0 | 0 |
| Vanguard International Dividend Apprec | INTL DVD ETF | 921946810 | 3,459 | 55,801 | SH | | DFND | 1 | 55,801 | 0 | 0 |
| Vanguard Russell 1000 Growth ETF | VNG RUS1000GRW | 92206C680 | 969 | 17,877 | SH | | DFND | 1 | 17,877 | 0 | 0 |
| Vanguard Russell 1000 Value | VNG RUS1000VAL | 92206C714 | 4,095 | 68,600 | SH | | DFND | 1 | 68,600 | 0 | 0 |
| Vanguard S&P 500 ETF | S&P 500 ETF SHS | 922908363 | 12,888 | 39,257 | SH | | DFND | 1 | 39,257 | 0 | 0 |
| Verizon Communications Inc | COM | 92343V104 | 14,293 | 376,430 | SH | | DFND | 1 | 376,430 | 0 | 0 |
| Visa Inc - A | CLS A | 92826C839 | 39,925 | 224,739 | SH | | DFND | 1 | 224,739 | 0 | 0 |
| Vontier Corp | COM | 928881101 | 7,912 | 473,461 | SH | | DFND | 1 | 473,461 | 0 | 0 |
| Warner Bros Discovery Inc | COM SER A | 934423104 | 3,487 | 303,199 | SH | | DFND | 1 | 303,199 | 0 | 0 |
| WEC Energy Group | COM | 92939U106 | 6,146 | 68,724 | SH | | DFND | 1 | 68,724 | 0 | 0 |
