American Trust 13F-HR Quarterly holdings report by institutional manager

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
Expires:	Oct 31, 2018
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
2U INC.	Equities	90214J101	82,482	13,155	SH		DFND		0	0	13,155
ABBOTT LAB	Equities	002824100	3,574,104	32,554	SH		SOLE		32,554	0	0
ABBVIE INC	Equities	00287Y109	595,856	3,687	SH		SOLE		3,687	0	0
ABBVIE INC	Equities	00287Y109	594,725	3,680	SH		DFND		0	0	3,680
ACCENTURE PLC	Equities	G1151C101	1,710,444	6,410	SH		DFND		0	0	6,410
ACCENTURE PLC	Equities	G1151C101	4,652,622	17,436	SH		SOLE		17,436	0	0
ACI WORLDWIDE INC.	Equities	004498101	239,729	10,423	SH		DFND		0	0	10,423
ADT CORPORATION	Equities	00090Q103	151,986	16,757	SH		DFND		0	0	16,757
ADVANCE AUTO PARTS INC	Equities	00751Y106	420,065	2,857	SH		DFND		0	0	2,857
AECOM	Equities	00766T100	353,733	4,165	SH		DFND		0	0	4,165
AFLAC INC	Equities	001055102	217,547	3,024	SH		DFND		0	0	3,024
AFLAC INC	Equities	001055102	230,927	3,210	SH		SOLE		3,210	0	0
AGILENT TECH	Equities	00846U101	1,153,353	7,707	SH		DFND		0	0	7,707
AIR PRODUCTS & CHEMICALS INC	Equities	009158106	707,457	2,295	SH		DFND		0	0	2,295
AIR PRODUCTS & CHEMICALS INC	Equities	009158106	42,232	137	SH		SOLE		137	0	0
AIRBNB INC CL A	Equities	009066101	321,480	3,760	SH		DFND		0	0	3,760
ALASKA AIR GROUP	Equities	011659109	333,944	7,777	SH		DFND		0	0	7,777
ALBEMARLE CORP.	Equities	012653101	301,219	1,389	SH		DFND		0	0	1,389
ALCON INC.	Equities	H01301128	495,617	7,230	SH		DFND		0	0	7,230
ALCON INC.	Equities	H01301128	69	1	SH		SOLE		1	0	0
ALLEGHENY TECH	Equities	01741R102	660,891	22,133	SH		DFND		0	0	22,133
ALLSTATE	Equities	020002101	680,848	5,021	SH		DFND		0	0	5,021
ALPHABET, INC. CLASS A	Equities	02079K305	123,522	1,400	SH		SOLE		1,400	0	0
ALPHABET, INC. CLASS A	Equities	02079K305	743,779	8,430	SH		DFND		0	0	8,430
ALPHABET, INC. CLASS C	Equities	02079K107	744,445	8,390	SH		DFND		0	0	8,390
ALPHABET, INC. CLASS C	Equities	02079K107	189,084	2,131	SH		SOLE		2,131	0	0
AMAZON.COM INC	Equities	023135106	2,608,284	31,051	SH		SOLE		31,051	0	0
AMAZON.COM INC	Equities	023135106	1,185,240	14,110	SH		DFND		0	0	14,110
Amcor PLC	Equities	G0250X107	144,349	12,120	SH		DFND		0	0	12,120
AMERICAN EXPRESS CO	Equities	025816109	73,136	495	SH		SOLE		495	0	0
AMERICAN EXPRESS CO	Equities	025816109	1,440,710	9,751	SH		DFND		0	0	9,751
AMERICAN TOWER CORP A	Equities	03027X100	1,038,750	4,903	SH		DFND		0	0	4,903
AMERICAN TOWER CORP A	Equities	03027X100	2,313,511	10,920	SH		SOLE		10,920	0	0
AMGEN	Equities	031162100	32,567	124	SH		SOLE		124	0	0
AMGEN	Equities	031162100	328,300	1,250	SH		DFND		0	0	1,250
AMPHENOL CORP	Equities	032095101	94,033	1,235	SH		DFND		0	0	1,235
AMPHENOL CORP	Equities	032095101	3,258,716	42,799	SH		SOLE		42,799	0	0
AON PLC CLASS A	Equities	G0403H108	915,127	3,049	SH		DFND		0	0	3,049
Apollo Global Management Inc Cl	Equities	03769M106	202,469	3,174	SH		DFND		0	0	3,174
APPLE INC	Equities	037833100	3,401,567	26,180	SH		DFND		0	0	26,180
APPLE INC	Equities	037833100	6,745,706	51,918	SH		SOLE		51,918	0	0
APPLIED MATLS INC	Equities	038222105	49,177	505	SH		SOLE		505	0	0
APPLIED MATLS INC	Equities	038222105	381,730	3,920	SH		DFND		0	0	3,920
Arch Capital Group Ltd	Equities	G0450A105	804,651	12,817	SH		DFND		0	0	12,817
ARISTA NETWORKS	Equities	040413106	625,074	5,151	SH		DFND		0	0	5,151
ARK INNOVATION ETF	Equities	00214Q104	581,399	18,611	SH		SOLE		18,611	0	0
Array Technologies Inc	Equities	04271T100	558,695	28,903	SH		DFND		0	0	28,903
ASML HOLDING NV	Equities	N07059210	423,460	775	SH		DFND		0	0	775
ASTRAZENECA PLC ADR	Equities	046353108	386,121	5,695	SH		DFND		0	0	5,695
AT&T INC	Equities	00206R102	37,151	2,018	SH		SOLE		2,018	0	0
AT&T INC	Equities	00206R102	282,409	15,340	SH		DFND		0	0	15,340
Atlassian Corp Cl A	Equities	049468101	398,393	3,096	SH		DFND		0	0	3,096
AUTOMATIC DATA PROC	Equities	053015103	171,979	720	SH		DFND		0	0	720
AUTOMATIC DATA PROC	Equities	053015103	279,944	1,172	SH		SOLE		1,172	0	0
AUTOZONE INC	Equities	053332102	875,494	355	SH		DFND		0	0	355
Avantis U.S. Equity ETF	Equities	025072885	895,966	13,174	SH		SOLE		13,174	0	0
AVANTIS U.S. SMALL CAP VALUE ET	Equities	025072877	372,314	4,997	SH		SOLE		4,997	0	0
Azul Holdings Inc	Equities	05501U106	117,929	19,301	SH		DFND		0	0	19,301
BANK OF AMERICA	Equities	060505104	511,373	15,440	SH		DFND		0	0	15,440
BANK OF AMERICA	Equities	060505104	87,072	2,629	SH		SOLE		2,629	0	0
BANK OF NEW YORK MELLON	Equities	064058100	227,646	5,001	SH		DFND		0	0	5,001
BAXTER INTL	Equities	071813109	794,724	15,592	SH		DFND		0	0	15,592
BAXTER INTL	Equities	071813109	42,509	834	SH		SOLE		834	0	0
Beacon Roofing Supply Inc	Equities	073685109	224,041	4,244	SH		DFND		0	0	4,244
BECTON DICKINSON & CO	Equities	075887109	367,972	1,447	SH		DFND		0	0	1,447
BECTON DICKINSON & CO	Equities	075887109	286,342	1,126	SH		SOLE		1,126	0	0
BELDEN INC	Equities	077454106	263,657	3,667	SH		DFND		0	0	3,667
BERRY GLOBAL GROUP INC	Equities	08579W103	260,574	4,312	SH		DFND		0	0	4,312
BIOMARIN PHARMACEUTICAL INC	Equities	09061G101	280,147	2,707	SH		DFND		0	0	2,707
BLACKROCK INC.	Equities	09247X101	3,401,424	4,800	SH		SOLE		4,800	0	0
BORGWARNER INC.	Equities	099724106	295,355	7,338	SH		DFND		0	0	7,338
BRISTOL-MYERS SQUIBB	Equities	110122108	231,175	3,213	SH		SOLE		3,213	0	0
BRISTOL-MYERS SQUIBB	Equities	110122108	312,263	4,340	SH		DFND		0	0	4,340
BROADCOM INC.	Equities	11135F101	338,274	605	SH		DFND		0	0	605
BUILDERS FIRSTSOURCE INC	Equities	12008R107	725,229	11,178	SH		DFND		0	0	11,178
Burlington Stores Inc	Equities	122017106	237,635	1,172	SH		DFND		0	0	1,172
CABOT OIL & GAS CORPORATION A	Equities	127097103	211,597	8,612	SH		DFND		0	0	8,612
CADENCE DESIGN SYSTEMS, INC.	Equities	127387108	324,493	2,020	SH		DFND		0	0	2,020
Caesars Entertainment Inc	Equities	12769G100	509,933	12,258	SH		DFND		0	0	12,258
Caesarstone Ltd	Equities	M20598104	71,084	12,449	SH		DFND		0	0	12,449
CANADIAN PACIFIC RAILWAY LTD.	Equities	13645T100	27,076	363	SH		SOLE		363	0	0
CANADIAN PACIFIC RAILWAY LTD.	Equities	13645T100	583,667	7,825	SH		DFND		0	0	7,825
CARPENTER TECHNOLOGY CORPORATIO	Equities	144285103	271,250	7,343	SH		DFND		0	0	7,343
CATERPILLAR INC	Equities	149123101	706,702	2,950	SH		DFND		0	0	2,950
CATERPILLAR INC	Equities	149123101	104,688	437	SH		SOLE		437	0	0
CHEESECAKE FACTORY	Equities	163072101	205,227	6,472	SH		DFND		0	0	6,472
CHEVRON CORP	Equities	166764100	253,440	1,412	SH		SOLE		1,412	0	0
CHEVRON CORP	Equities	166764100	276,415	1,540	SH		DFND		0	0	1,540
CHEWY INC.	Equities	16679L109	209,168	5,641	SH		DFND		0	0	5,641
CHIPOTLE MEXICAN GRILL	Equities	169656105	657,670	474	SH		DFND		0	0	474
CHUBB LTD	Equities	H1467J104	5,802,883	26,305	SH		SOLE		26,305	0	0
CHUBB LTD	Equities	H1467J104	2,716,689	12,315	SH		DFND		0	0	12,315
CIGNA CORPORATION NEW	Equities	125523100	23,856	72	SH		SOLE		72	0	0
CIGNA CORPORATION NEW	Equities	125523100	1,130,201	3,411	SH		DFND		0	0	3,411
CINTAS CORP.	Equities	172908105	327,876	726	SH		DFND		0	0	726
CINTAS CORP.	Equities	172908105	2,908,433	6,440	SH		SOLE		6,440	0	0
CISCO SYS INC	Equities	17275R102	473,542	9,940	SH		DFND		0	0	9,940
CISCO SYS INC	Equities	17275R102	182,414	3,829	SH		SOLE		3,829	0	0
COCA COLA EUROPEAN PARTNERS PLC	Equities	G25839104	528,804	9,559	SH		DFND		0	0	9,559
COCA-COLA	Equities	191216100	827,184	13,004	SH		DFND		0	0	13,004
COCA-COLA	Equities	191216100	235,484	3,702	SH		SOLE		3,702	0	0
COLGATE-PALMOLIVE CO	Equities	194162103	42,074	534	SH		SOLE		534	0	0
COLGATE-PALMOLIVE CO	Equities	194162103	1,809,412	22,965	SH		DFND		0	0	22,965
COMCAST CORPORATION	Equities	20030N101	3,046,516	87,118	SH		SOLE		87,118	0	0
COMCAST CORPORATION	Equities	20030N101	693,525	19,832	SH		DFND		0	0	19,832
COMERICA INC	Equities	200340107	231,836	3,468	SH		DFND		0	0	3,468
Commvault Systems Inc	Equities	204166102	257,016	4,090	SH		DFND		0	0	4,090
CONOCOPHILLIPS	Equities	20825C104	14,396	122	SH		SOLE		122	0	0
CONOCOPHILLIPS	Equities	20825C104	233,640	1,980	SH		DFND		0	0	1,980
Controladora Vuela Cia De Aviac	Equities	21240E105	237,574	28,418	SH		DFND		0	0	28,418
COOPER COMPANIES	Equities	216648402	324,387	981	SH		DFND		0	0	981
COSTCO WHOLESALE CORP	Equities	22160K105	4,487,852	9,831	SH		SOLE		9,831	0	0
COSTCO WHOLESALE CORP	Equities	22160K105	702,097	1,538	SH		DFND		0	0	1,538
CROWDSTRIKE HOLDINGS ORD SHS CL	Equities	22788C105	214,370	2,036	SH		DFND		0	0	2,036
CUMMINS INC	Equities	231021106	4,453,532	18,381	SH		SOLE		18,381	0	0
CVS HEALTH CORPORATION	Equities	126650100	832,746	8,936	SH		DFND		0	0	8,936
CVS HEALTH CORPORATION	Equities	126650100	29,821	320	SH		SOLE		320	0	0
D.R. HORTON INCORPORATED	Equities	23331A109	274,640	3,081	SH		DFND		0	0	3,081
Dana Inc	Equities	235825205	408,132	26,975	SH		DFND		0	0	26,975
DANAHER CORP	Equities	235851102	1,810,164	6,820	SH		DFND		0	0	6,820
DANAHER CORP	Equities	235851102	39,548	149	SH		SOLE		149	0	0
DATADOG INC. CL A	Equities	23804L103	208,005	2,830	SH		DFND		0	0	2,830
DEERE CO	Equities	244199105	273,978	639	SH		DFND		0	0	639
DEERE CO	Equities	244199105	5,224,869	12,186	SH		SOLE		12,186	0	0
DEVON ENERGY CORP	Equities	25179M103	377,241	6,133	SH		DFND		0	0	6,133
DEXCOM INC.	Equities	252131107	213,571	1,886	SH		DFND		0	0	1,886
DEXCOM INC.	Equities	252131107	13,589	120	SH		SOLE		120	0	0
DISCOVER FINANCIAL SERVICES	Equities	254709108	240,662	2,460	SH		DFND		0	0	2,460
DIVERSEY HOLDINGS LTD	Equities	G28923103	88,574	20,792	SH		DFND		0	0	20,792
DOLLAR GENERAL CORPORATION	Equities	256677105	211,775	860	SH		DFND		0	0	860
DOLLAR GENERAL CORPORATION	Equities	256677105	4,153,006	16,865	SH		SOLE		16,865	0	0
DOVER CORPORATION	Equities	260003108	2,743,948	20,264	SH		SOLE		20,264	0	0
DUKE ENERGY CORPORATION	Equities	26441C204	40,063	389	SH		SOLE		389	0	0
DUKE ENERGY CORPORATION	Equities	26441C204	271,894	2,640	SH		DFND		0	0	2,640
DUPONT DE NEMOURS INC.	Equities	26614N102	415,761	6,058	SH		DFND		0	0	6,058
EA BRIDGEWAY BLUE CHIP ETF	Equities	02072L714	610,970	75,897	SH		SOLE		75,897	0	0
Eagle Materials Inc	Equities	26969P108	313,127	2,357	SH		DFND		0	0	2,357
ECOLAB INC	Equities	278865100	1,555,017	10,683	SH		DFND		0	0	10,683
ELEVANCE HEALTH INC	Equities	036752103	256,485	500	SH		DFND		0	0	500
ELEVANCE HEALTH INC	Equities	036752103	213,908	417	SH		SOLE		417	0	0
ELI LILLY & CO	Equities	532457108	707,169	1,933	SH		SOLE		1,933	0	0
ENBRIDGE INC.	Equities	29250N105	455,945	11,661	SH		DFND		0	0	11,661
ENTERGY CORP	Equities	29364G103	423,900	3,768	SH		DFND		0	0	3,768
EOG RESOURCES	Equities	26875P101	317,324	2,450	SH		DFND		0	0	2,450
EOG RESOURCES	Equities	26875P101	2,099,131	16,207	SH		SOLE		16,207	0	0
Epam Sys Inc	Equities	29414B104	621,067	1,895	SH		DFND		0	0	1,895
EQUIFAX INC	Equities	294429105	216,323	1,113	SH		DFND		0	0	1,113
EVEREST RE GROUP	Equities	G3223R108	804,324	2,428	SH		DFND		0	0	2,428
EVEREST RE GROUP	Equities	G3223R108	12,588	38	SH		SOLE		38	0	0
EXACT SCIENCES CORP	Equities	30063P105	205,566	4,152	SH		DFND		0	0	4,152
EXELON CORP	Equities	30161N101	172,055	3,980	SH		DFND		0	0	3,980
EXELON CORP	Equities	30161N101	37,135	859	SH		SOLE		859	0	0
EXPEDITORS INTL OF WASHINGTON I	Equities	302130109	427,111	4,110	SH		DFND		0	0	4,110
EXXON MOBIL	Equities	30231G102	889,018	8,060	SH		DFND		0	0	8,060
EXXON MOBIL	Equities	30231G102	339,062	3,074	SH		SOLE		3,074	0	0
Fabrinet	Equities	G3323L100	334,782	2,611	SH		DFND		0	0	2,611
Fair Isaac Corporation	Equities	303250104	1,113,359	1,860	SH		DFND		0	0	1,860
FERGUSON PLC	Equities	G3421J106	239,211	1,884	SH		DFND		0	0	1,884
Ferrari N.V.	Equities	N3167Y103	414,516	1,935	SH		DFND		0	0	1,935
Fidelity Covington Trust - Fide	Equities	316092543	456,475	2,962	SH		SOLE		2,962	0	0
Fidelity MSCI Health Care Index	Equities	316092600	205,635	1,670	SH		SOLE		1,670	0	0
FIDELITY MSCI REAL ESTATE INDEX	Equities	316092857	4,226,669	170,361	SH		DFND		170,361	0	0
FIDELITY MSCI REAL ESTATE INDEX	Equities	316092857	128,781	5,191	SH		SOLE		5,191	0	0
FIDELITY MSCI TELECOMMUNICATION	Equities	316092873	407,265	13,112	SH		SOLE		13,112	0	0
FINANCIAL SELECT SECTOR SPDR	Equities	81369Y605	216,918	6,343	SH		SOLE		6,343	0	0
First Bancorp	Equities	318672706	344,559	27,088	SH		DFND		0	0	27,088
First Citizens BancShares Inc/N	Equities	31946M103	318,511	420	SH		DFND		0	0	420
FIRST TRUST DOW JONES SEL MICRO	Equities	33718M105	265,963	4,793	SH		SOLE		4,793	0	0
FLEXTRONICS INTL	Equities	Y2573F102	284,753	13,269	SH		DFND		0	0	13,269
FMC CORPORATION	Equities	302491303	287,165	2,301	SH		DFND		0	0	2,301
FORTINET INC.	Equities	34959E109	382,809	7,830	SH		DFND		0	0	7,830
Franklin LibertyQ U.S. Equity E	Equities	35473P801	207,056	6,880	SH		SOLE		6,880	0	0
Gartner Inc	Equities	366651107	779,845	2,320	SH		DFND		0	0	2,320
GENERAL DYNAMICS CORP.	Equities	369550108	32,006	129	SH		SOLE		129	0	0
GENERAL DYNAMICS CORP.	Equities	369550108	439,899	1,773	SH		DFND		0	0	1,773
Genpact Ltd	Equities	G3922B107	504,332	10,888	SH		DFND		0	0	10,888
Goldman Sachs Acss Invmt Grd Co	Equities	381430479	509,370	11,522	SH		SOLE		11,522	0	0
GOLDMAN SACHS GRP	Equities	38141G104	233,498	680	SH		DFND		0	0	680
GOLDMAN SACHS GRP	Equities	38141G104	106,448	310	SH		SOLE		310	0	0
Goldman Sachs Innovate Equity E	Equities	38149W820	310,347	7,605	SH		SOLE		7,605	0	0
GOODYEAR TIRE & RUBBER CO	Equities	382550101	121,993	12,019	SH		DFND		0	0	12,019
HAEMONETICS CORP.	Equities	405024100	207,636	2,640	SH		DFND		0	0	2,640
HCA HOLDINGS INC.	Equities	40412C101	309,548	1,290	SH		DFND		0	0	1,290
HELMERICH & PAYNE INC	Equities	423452101	254,393	5,132	SH		DFND		0	0	5,132
Herc Rentals Inc	Equities	42704L104	241,957	1,839	SH		DFND		0	0	1,839
HERSHEY FOODS CO	Equities	427866108	3,360,544	14,512	SH		SOLE		14,512	0	0
HERSHEY FOODS CO	Equities	427866108	180,625	780	SH		DFND		0	0	780
HESS CORP	Equities	42809H107	590,822	4,166	SH		DFND		0	0	4,166
Hologic Inc	Equities	436440101	411,679	5,503	SH		DFND		0	0	5,503
HOME DEPOT INC.	Equities	437076102	3,677,874	11,644	SH		SOLE		11,644	0	0
HONEYWELL INTERNATIONAL INC	Equities	438516106	5,699,951	26,598	SH		SOLE		26,598	0	0
HONEYWELL INTERNATIONAL INC	Equities	438516106	2,148,572	10,026	SH		DFND		0	0	10,026
HP INC.	Equities	40434L105	185,914	6,919	SH		DFND		0	0	6,919
HP INC.	Equities	40434L105	47,990	1,786	SH		SOLE		1,786	0	0
HUMANA INC	Equities	444859102	444,581	868	SH		DFND		0	0	868
HUNT J B TRANS SVCS INC	Equities	445658107	3,365,148	19,300	SH		SOLE		19,300	0	0
I SHARES MSCI EAFE GROWTH	Equities	464288885	317,701	4,996	SH		SOLE		4,996	0	0
IBM	Equities	459200101	17,611	125	SH		SOLE		125	0	0
IBM	Equities	459200101	194,428	1,380	SH		DFND		0	0	1,380
ICICI BANK ADR	Equities	45104G104	225,029	10,280	SH		DFND		0	0	10,280
Icon PLC ADR	Equities	G4705A100	336,053	1,730	SH		DFND		0	0	1,730
IDACORP Inc	Equities	451107106	216,455	2,007	SH		DFND		0	0	2,007
IDEX CORP.	Equities	45167R104	267,146	1,170	SH		DFND		0	0	1,170
INOVIO PHARMACEUTICALS INC	Equities	45773H201	43,159	27,666	SH		SOLE		27,666	0	0
INSPIRE MEDICAL SYSTEMS INC.	Equities	457730109	201,000	798	SH		DFND		0	0	798
Insulet Corporation	Equities	45784P101	586,719	1,993	SH		DFND		0	0	1,993
Integra LifeSciences Holdings C	Equities	457985208	382,229	6,817	SH		DFND		0	0	6,817
Integral Ad Science Holding Cor	Equities	45828L108	127,692	14,527	SH		DFND		0	0	14,527
INTERFACE INC.	Equities	458665304	136,551	13,835	SH		DFND		0	0	13,835
INTL FLAVORS & FRAGRANCES	Equities	459506101	395,561	3,773	SH		DFND		0	0	3,773
INVESCO EMERGING MKTS SOVEREIGN	Equities	46138E784	381,742	9,959	SH		SOLE		9,959	0	0
Invesco FTSE RAFI US 1000 ETF	Equities	46137V613	233,320	3,001	SH		SOLE		3,001	0	0
INVESCO PREFERRED ETF	Equities	46138E511	290,312	25,967	SH		SOLE		25,967	0	0
INVESCO QQQ TRUST	Equities	46090E103	9,671,556	36,321	SH		SOLE		36,321	0	0
Invesco S&P MidCap Momentum ETF	Equities	46137V464	619,134	8,222	SH		SOLE		8,222	0	0
IONIS PHARMACEUTICALS INC.	Equities	462222100	603,187	15,970	SH		DFND		0	0	15,970
iShares 0-5 Year High Yield Bon	Equities	46434V407	3,367,119	82,346	SH		DFND		82,346	0	0
ISHARES 3-7 YEAR TREASURY BD	Equities	464288661	1,474,433	12,833	SH		SOLE		12,833	0	0
iShares Aaa - A Rated Corporate	Equities	46429B291	763,179	16,172	SH		SOLE		16,172	0	0
ISHARES BARCLAYS 1-3 YR TREASUR	Equities	464287457	1,661,689	20,472	SH		SOLE		20,472	0	0
ISHARES BARCLAYS AGGREGATE BD F	Equities	464287226	7,129,606	73,509	SH		SOLE		73,509	0	0
ISHARES BARCLAYS TIPS BOND	Equities	464287176	965,193	9,084	SH		SOLE		9,084	0	0
ISHARES BROAD USD HIGH YLD CORP	Equities	46435U853	173,087	7,179	SH		SOLE		7,179	0	0
ISHARES BROAD USD HIGH YLD CORP	Equities	46435U853	5,346,035	221,735	SH		DFND		221,735	0	0
ISHARES CORE 1-5 YEAR USD BOND	Equities	46432F859	224,990	4,845	SH		SOLE		4,845	0	0
ISHARES CORE DIVIDEND GROWTH	Equities	46434V621	59,764,051	1,195,281	SH		SOLE		1,195,281	0	0
iShares Core Growth Allocation	Equities	464289875	269,428	7,088	SH		SOLE		7,088	0	0
iShares Core International Aggr	Equities	46435G672	402,863	8,472	SH		SOLE		8,472	0	0
ISHARES CORE MSCI EAFE ETF	Equities	46432F842	1,140,759	18,507	SH		SOLE		18,507	0	0
ISHARES CORE MSCI EMERGING MARK	Equities	46434G103	374,347	8,016	SH		SOLE		8,016	0	0
ISHARES CORE S&P 500 ETF	Equities	464287200	8,144,554	21,198	SH		SOLE		21,198	0	0
ISHARES CORE S&P MID-CAP ETF	Equities	464287507	49,334,581	203,955	SH		SOLE		203,955	0	0
ISHARES CORE S&P SMALL-CAP ETF	Equities	464287804	3,675,145	38,833	SH		SOLE		38,833	0	0
ISHARES CORE S&P TOTAL US STOCK	Equities	464287150	42,770,244	705,721	SH		SOLE		705,721	0	0
iShares Core S&P US Growth ETF	Equities	464287671	1,888,595	23,167	SH		SOLE		23,167	0	0
iShares Core Total USD Bond Mar	Equities	46434V613	3,328,598	74,084	SH		SOLE		74,084	0	0
iShares Currency Hedged MSCI EA	Equities	46434V803	7,826	290	SH		SOLE		290	0	0
iShares Currency Hedged MSCI EA	Equities	46434V803	5,732,292	212,309	SH		DFND		212,309	0	0
ISHARES DJ US TECHNOLOGY SECTOR	Equities	464287721	280,362	3,764	SH		SOLE		3,764	0	0
ISHARES EDGE MSCI USA QUALITY F	Equities	46432F339	11,041,122	96,886	SH		SOLE		96,886	0	0
iShares ESG Aware MSCI USA Smal	Equities	46435U663	396,009	13,320	SH		SOLE		13,320	0	0
ISHARES EXPANDED TECH SECTOR	Equities	464287549	548,517	11,079	SH		SOLE		11,079	0	0
iShares Exponential Technologie	Equities	46434V381	785,850	13,641	SH		SOLE		13,641	0	0
ISHARES GOLD TRUST	Equities	464285204	555,090	16,048	SH		SOLE		16,048	0	0
ISHARES IBOXX $ HIGH YIELD CORP	Equities	464288513	53,717,764	729,563	SH		SOLE		729,563	0	0
ISHARES IBOXX $ INVEST GRADE CO	Equities	464287242	357,177	3,388	SH		SOLE		3,388	0	0
iShares Morningstar Small-Cap G	Equities	464288604	241,294	6,695	SH		SOLE		6,695	0	0
ISHARES MORNINGSTAR U.S. EQUITY	Equities	464287127	2,013,389	18,630	SH		SOLE		18,630	0	0
ISHARES MSCI EAFE INDEX FD	Equities	464287465	1,917,340	29,210	SH		SOLE		29,210	0	0
ISHARES MSCI MEXICO INVESTABLE	Equities	464286822	3,287,576	66,483	SH		SOLE		66,483	0	0
ISHARES MSCI USA MINIMUM VOLATI	Equities	46429B697	672,694	9,330	SH		SOLE		9,330	0	0
ISHARES RUSSELL 1000 VALUE INDE	Equities	464287598	139,457	920	SH		SOLE		920	0	0
ISHARES RUSSELL 1000 VALUE INDE	Equities	464287598	538,358	3,550	SH		DFND		0	0	3,550
ISHARES RUSSELL 2000 GROWTH IND	Equities	464287648	209,801	978	SH		DFND		0	0	978
ISHARES RUSSELL 2000 GROWTH IND	Equities	464287648	74,948	349	SH		SOLE		349	0	0
ISHARES RUSSELL 2000 INDEX	Equities	464287655	636,052	3,648	SH		SOLE		3,648	0	0
ISHARES RUSSELL 2000 VALUE INDE	Equities	464287630	335,605	2,420	SH		SOLE		2,420	0	0
ISHARES RUSSELL MID CAP GROWTH	Equities	464287481	506,756	6,062	SH		SOLE		6,062	0	0
ISHARES RUSSELL TOP 200 GROWTH	Equities	464289438	886,358	8,414	SH		SOLE		8,414	0	0
ISHARES S&P 500 VAL IDX FD	Equities	464287408	825,583	5,691	SH		SOLE		5,691	0	0
ISHARES S&P GROWTH INDEX FD	Equities	464287309	684,861	11,707	SH		SOLE		11,707	0	0
ISHARES S&P MIDCAP 400 GROWTH I	Equities	464287606	261,212	3,824	SH		SOLE		3,824	0	0
ISHARES S&P MIDCAP 400 VALUE IN	Equities	464287705	2,175,432	21,582	SH		SOLE		21,582	0	0
ISHARES SHORT TREASURY BOND	Equities	464288679	426,507	3,880	SH		SOLE		3,880	0	0
ISHARES SHORT-TERM CORPORATE BO	Equities	464288646	242,840	6,203	SH		SOLE		6,203	0	0
ISHARES SMALL CAP 600 VALUE IND	Equities	464287879	448,653	4,914	SH		SOLE		4,914	0	0
ISHARES US INFRASTRUCTURE ETF	Equities	46435U713	25	1	SH		SOLE		1	0	0
ISHARES US INFRASTRUCTURE ETF	Equities	46435U713	6,480,983	178,712	SH		DFND		178,712	0	0
ISHARES US PREFERRED STOCK	Equities	464288687	229,946	11,114	SH		SOLE		11,114	0	0
JABIL CIRCUIT INC	Equities	466313103	866,890	12,711	SH		DFND		0	0	12,711
JOHNSON & JOHNSON	Equities	478160104	1,663,336	9,416	SH		DFND		0	0	9,416
JOHNSON & JOHNSON	Equities	478160104	5,477,210	31,006	SH		SOLE		31,006	0	0
JP MORGAN CHASE	Equities	46625H100	5,525,591	41,205	SH		SOLE		41,205	0	0
JP MORGAN CHASE	Equities	46625H100	1,392,629	10,385	SH		DFND		0	0	10,385
JP MORGAN ULTRA SHORT INCOME ET	Equities	46641Q837	202,240	9,298	SH		SOLE		9,298	0	0
KBR INC.	Equities	48242W106	736,296	13,945	SH		DFND		0	0	13,945
Kemper Corp	Equities	488401100	228,091	4,636	SH		DFND		0	0	4,636
KINDER MORGAN INC.	Equities	49456B101	211,880	11,719	SH		DFND		0	0	11,719
KKR & CO. INC. CLASS A	Equities	48251W104	254,567	5,484	SH		DFND		0	0	5,484
KLA CORP.	Equities	482480100	4,054,204	10,753	SH		SOLE		10,753	0	0
KLA CORP.	Equities	482480100	301,247	799	SH		DFND		0	0	799
Knight-Swift Transportation Hol	Equities	499049104	579,655	11,060	SH		DFND		0	0	11,060
LAM RESEARCH CORPORATION	Equities	512807108	310,181	738	SH		DFND		0	0	738
LANDSTAR SYSTEMS INC	Equities	515098101	728,163	4,470	SH		DFND		0	0	4,470
LENNAR CORP	Equities	526057104	235,934	2,607	SH		DFND		0	0	2,607
Leslies Poolmart	Equities	527064109	218,315	17,880	SH		DFND		0	0	17,880
LINDE PLC	Equities	G5494J103	4,634,039	14,207	SH		SOLE		14,207	0	0
LINDE PLC	Equities	G5494J103	1,828,239	5,605	SH		DFND		0	0	5,605
LIVE NATION ENTERTAINMENT INC	Equities	538034109	456,658	6,548	SH		DFND		0	0	6,548
LOCKHEED MARTIN CORPORATION	Equities	539830109	463,625	953	SH		DFND		0	0	953
LOWES COS INC	Equities	548661107	390,510	1,960	SH		DFND		0	0	1,960
LOWES COS INC	Equities	548661107	136,679	686	SH		SOLE		686	0	0
LPL FINANCIAL HOLDINGS INC.	Equities	50212V100	451,795	2,090	SH		DFND		0	0	2,090
LULULEMON ATHLETICA INC	Equities	550021109	248,615	776	SH		DFND		0	0	776
LYONDELLBASELL INDUSTRIES NV	Equities	N53745100	2,823	34	SH		SOLE		34	0	0
LYONDELLBASELL INDUSTRIES NV	Equities	N53745100	216,127	2,603	SH		DFND		0	0	2,603
Macom Tech Solutions Hldgs Inc	Equities	55405Y100	433,050	6,876	SH		DFND		0	0	6,876
Magnolia Oil & Gas Corp	Equities	559663109	292,445	12,471	SH		DFND		0	0	12,471
MARRIOTT INTL INC NEW	Equities	571903202	434,759	2,920	SH		DFND		0	0	2,920
MARSH & MCLENNAN COMPANIES, INC	Equities	571748102	3,819,609	23,082	SH		SOLE		23,082	0	0
MARSH & MCLENNAN COMPANIES, INC	Equities	571748102	1,819,287	10,994	SH		DFND		0	0	10,994
Masonite International Corp	Equities	575385109	255,776	3,173	SH		DFND		0	0	3,173
Mastec Inc	Equities	576323109	424,090	4,970	SH		DFND		0	0	4,970
MASTERCARD INCORPORATED	Equities	57636Q104	212,115	610	SH		DFND		0	0	610
MASTERCARD INCORPORATED	Equities	57636Q104	3,811,121	10,960	SH		SOLE		10,960	0	0
MATADOR RESOURCES CO	Equities	576485205	200,340	3,500	SH		SOLE		3,500	0	0
MATADOR RESOURCES CO	Equities	576485205	13,108	229	SH		DFND		0	0	229
MATTEL INC	Equities	577081102	505,211	28,319	SH		DFND		0	0	28,319
MCDONALDS	Equities	580135101	1,568,531	5,952	SH		DFND		0	0	5,952
MCDONALDS	Equities	580135101	551,041	2,091	SH		SOLE		2,091	0	0
MCKESSON CORP	Equities	58155Q103	945,302	2,520	SH		DFND		0	0	2,520
MCKESSON CORP	Equities	58155Q103	10,128	27	SH		SOLE		27	0	0
MEDTRONIC CORPORATION	Equities	G5960L103	1,427,328	18,365	SH		DFND		0	0	18,365
MEDTRONIC CORPORATION	Equities	G5960L103	14,689	189	SH		SOLE		189	0	0
MERCK & CO, INC. NEW	Equities	58933Y105	1,648,495	14,858	SH		DFND		0	0	14,858
MERCK & CO, INC. NEW	Equities	58933Y105	267,168	2,408	SH		SOLE		2,408	0	0
MERLYN.AI SECTORSURFER MOMENTUM	Equities	02072L862	934,412	15,407	SH		SOLE		15,407	0	0
Mettler-Toledo International In	Equities	592688105	689,480	477	SH		DFND		0	0	477
MICROCHIP TECHNOLOGY INC	Equities	595017104	222,622	3,169	SH		DFND		0	0	3,169
MICROSOFT	Equities	594918104	6,545,407	27,293	SH		SOLE		27,293	0	0
MICROSOFT	Equities	594918104	4,697,354	19,587	SH		DFND		0	0	19,587
Modine Manufacturing Co	Equities	607828100	230,853	11,624	SH		DFND		0	0	11,624
Molina Healthcare Inc	Equities	60855R100	467,922	1,417	SH		DFND		0	0	1,417
MOLSON COORS	Equities	60871R209	284,081	5,514	SH		DFND		0	0	5,514
Monolithic Power Systems	Equities	609839105	276,169	781	SH		DFND		0	0	781
MORGAN STANLEY	Equities	617446448	64,870	763	SH		SOLE		763	0	0
MORGAN STANLEY	Equities	617446448	214,250	2,520	SH		DFND		0	0	2,520
MRC Global	Equities	55345K103	454,943	39,287	SH		DFND		0	0	39,287
MSCI Inc	Equities	55354G100	230,259	495	SH		DFND		0	0	495
Navigator Holdings	Equities	Y62132108	182,725	15,278	SH		DFND		0	0	15,278
NEUROCRINE BIOSCIENCES INC	Equities	64125C109	779,943	6,530	SH		DFND		0	0	6,530
NEXTERA ENERGY INC.	Equities	65339F101	4,288,847	51,302	SH		SOLE		51,302	0	0
NIKE, INC	Equities	654106103	2,301,353	19,668	SH		DFND		0	0	19,668
NIKE, INC	Equities	654106103	3,093,627	26,439	SH		SOLE		26,439	0	0
NMI Hldgs Inc	Equities	629209305	200,368	9,587	SH		DFND		0	0	9,587
Nomad Foods Limited	Equities	G6564A105	190,554	11,053	SH		DFND		0	0	11,053
NORTHERN TRUST CORPORATION	Equities	665859104	388,117	4,386	SH		DFND		0	0	4,386
NORTHROP GRUMMAN CORP.	Equities	666807102	1,649,379	3,023	SH		DFND		0	0	3,023
NORTHROP GRUMMAN CORP.	Equities	666807102	1,637	3	SH		SOLE		3	0	0
NOVO-NORDISK A/S (DENMARK)	Equities	670100205	537,570	3,972	SH		DFND		0	0	3,972
NUCOR CORP	Equities	670346105	241,476	1,832	SH		DFND		0	0	1,832
NUCOR CORP	Equities	670346105	17,794	135	SH		SOLE		135	0	0
NVIDIA CORP	Equities	67066G104	42,088	288	SH		SOLE		288	0	0
NVIDIA CORP	Equities	67066G104	689,781	4,720	SH		DFND		0	0	4,720
OCCIDENTAL PETROLEUM CORPORATIO	Equities	674599105	253,850	4,030	SH		DFND		0	0	4,030
ORACLE CORP	Equities	68389X105	105,690	1,293	SH		SOLE		1,293	0	0
ORACLE CORP	Equities	68389X105	562,453	6,881	SH		DFND		0	0	6,881
OUSTER INC	Equities	68989M103	9,770	11,361	SH		DFND		0	0	11,361
PACER BENCHMARK DATA & INFRASTR	Equities	69374H741	297,000	9,049	SH		SOLE		9,049	0	0
Pactiv Evergreen Inc	Equities	69526K105	146,817	12,924	SH		DFND		0	0	12,924
PALO ALTO NETWORKS INC	Equities	697435105	476,948	3,418	SH		DFND		0	0	3,418
Paycom Software Inc	Equities	70432V102	391,611	1,262	SH		DFND		0	0	1,262
PAYMENTUS HOLDINGS INC A	Equities	70439P108	110,065	13,741	SH		DFND		0	0	13,741
PEPSI CO	Equities	713448108	2,988,297	16,541	SH		SOLE		16,541	0	0
PEPSI CO	Equities	713448108	2,283,000	12,637	SH		DFND		0	0	12,637
Perdoceo Ed Corp	Equities	71363P106	257,928	18,556	SH		DFND		0	0	18,556
PERFORMANCE FOOD GROUP CO.	Equities	71377A103	623,080	10,671	SH		DFND		0	0	10,671
PERMIAN RESOURCES CORP CL A	Equities	71424F105	206,997	22,021	SH		DFND		0	0	22,021
PFIZER	Equities	717081103	635,888	12,410	SH		DFND		0	0	12,410
PFIZER	Equities	717081103	93,769	1,830	SH		SOLE		1,830	0	0
PHILIP MORRIS INTERNATIONAL, IN	Equities	718172109	1,141,750	11,281	SH		DFND		0	0	11,281
PHILIP MORRIS INTERNATIONAL, IN	Equities	718172109	5,061	50	SH		SOLE		50	0	0
PHILLIPS 66	Equities	718546104	12,177	117	SH		SOLE		117	0	0
PHILLIPS 66	Equities	718546104	885,200	8,505	SH		DFND		0	0	8,505
Physicians Realty Trust	Equities	71943U104	150,662	10,412	SH		DFND		0	0	10,412
Pimco Enhanced Short Maturity E	Equities	72201R833	568,639	5,764	SH		SOLE		5,764	0	0
PINNACLE WEST CAPITAL CORP.	Equities	723484101	392,518	5,162	SH		DFND		0	0	5,162
PIONEER NATURAL RESOURCES COMPA	Equities	723787107	42,481	186	SH		SOLE		186	0	0
PIONEER NATURAL RESOURCES COMPA	Equities	723787107	226,106	990	SH		DFND		0	0	990
Planet Fitness Inc Cl A	Equities	72703H101	551,048	6,993	SH		DFND		0	0	6,993
PNC BANK	Equities	693475105	150,201	951	SH		SOLE		951	0	0
PNC BANK	Equities	693475105	161,099	1,020	SH		DFND		0	0	1,020
POOL CORPORATION	Equities	73278L105	203,770	674	SH		SOLE		674	0	0
PROCTER & GAMBLE	Equities	742718109	2,043,635	13,484	SH		DFND		0	0	13,484
PROCTER & GAMBLE	Equities	742718109	3,421,164	22,573	SH		SOLE		22,573	0	0
PULTEGROUP INC	Equities	745867101	226,648	4,978	SH		DFND		0	0	4,978
PURE STORAGE INC	Equities	74624M102	488,638	18,260	SH		DFND		0	0	18,260
QORVO INC.	Equities	74736K101	221,071	2,439	SH		DFND		0	0	2,439
QUALCOMM INC	Equities	747525103	63,325	576	SH		SOLE		576	0	0
QUALCOMM INC	Equities	747525103	515,619	4,690	SH		DFND		0	0	4,690
QUANTA SERVICES INC.	Equities	74762E102	511,718	3,591	SH		DFND		0	0	3,591
Radius Global Infrastructure In	Equities	750481103	197,961	16,748	SH		DFND		0	0	16,748
RAYMOND JAMES FINANCIAL	Equities	754730109	255,692	2,393	SH		DFND		0	0	2,393
RAYTHEON TECHNOLOGIES	Equities	75513E101	26,542	263	SH		SOLE		263	0	0
RAYTHEON TECHNOLOGIES	Equities	75513E101	614,300	6,087	SH		DFND		0	0	6,087
REAL ESTATE SELECT SECTOR SPDR	Equities	81369Y860	201,299	5,451	SH		SOLE		5,451	0	0
REGIONS FINL	Equities	7591EP100	11,233	521	SH		SOLE		521	0	0
REGIONS FINL	Equities	7591EP100	228,213	10,585	SH		DFND		0	0	10,585
REINSURANCE GROUP OF AMERICA, I	Equities	759351604	413,198	2,908	SH		DFND		0	0	2,908
RELIANCE STL & ALMN	Equities	759509102	220,255	1,088	SH		DFND		0	0	1,088
RENAISSANCERE HOLDINGS LTD.	Equities	G7496G103	250,184	1,358	SH		DFND		0	0	1,358
RESMED INC	Equities	761152107	417,925	2,008	SH		DFND		0	0	2,008
SCHWAB CORP	Equities	808513105	3,609,654	43,354	SH		SOLE		43,354	0	0
SCHWAB EMERGING MARKETS EQUITY	Equities	808524706	5,913,057	249,812	SH		SOLE		249,812	0	0
SCHWAB INTERNATIONAL EQUITY ETF	Equities	808524805	30,890,676	959,040	SH		SOLE		959,040	0	0
SCHWAB SHORT TERM US TREASURY E	Equities	808524862	463,575	9,610	SH		SOLE		9,610	0	0
SCHWAB U.S. BROAD MARKET ETF	Equities	808524102	3,683,733	82,208	SH		SOLE		82,208	0	0
Schwab US Aggregate Bond ETF -	Equities	808524839	24,816,626	543,628	SH		SOLE		543,628	0	0
SCHWAB US DIVIDEND EQUITY	Equities	808524797	7,965,730	253,121	SH		DFND		253,121	0	0
SCHWAB US DIVIDEND EQUITY	Equities	808524797	575,713	18,294	SH		SOLE		18,294	0	0
SCHWAB US LARGE CAP	Equities	808524201	55,149,655	1,221,476	SH		DFND		1,221,476	0	0
SCHWAB US LARGE CAP VALUE ETF	Equities	808524409	256,941	5,219	SH		SOLE		5,219	0	0
SCHWAB US LARGE-CAP GROWTH ETF	Equities	808524300	6,114,980	110,061	SH		SOLE		110,061	0	0
SCHWAB US MID-CAP ETF	Equities	808524508	1,193,672	18,193	SH		SOLE		18,193	0	0
SCHWAB US REIT ETF	Equities	808524847	482,479	25,012	SH		SOLE		25,012	0	0
SCHWAB US SMALL CAP	Equities	808524607	193,043	4,720	SH		SOLE		4,720	0	0
SCHWAB US SMALL CAP	Equities	808524607	20,829,867	509,288	SH		DFND		509,288	0	0
SECTOR SPDR ENERGY	Equities	81369Y506	447,260	5,113	SH		SOLE		5,113	0	0
SELECT SECTOR SPDR-CONSUMER STA	Equities	81369Y308	229,280	3,076	SH		SOLE		3,076	0	0
SEMPRA ENERGY	Equities	816851109	139,086	900	SH		DFND		0	0	900
SEMPRA ENERGY	Equities	816851109	68,307	442	SH		SOLE		442	0	0
SHARES S&P 500 PURE GROWTH PORT	Equities	46137V266	1,267,028	8,357	SH		SOLE		8,357	0	0
SHERWIN WILLIAMS CO.	Equities	824348106	273,641	1,153	SH		DFND		0	0	1,153
SHERWIN WILLIAMS CO.	Equities	824348106	1,436,084	6,051	SH		SOLE		6,051	0	0
Shoals Technologies Group Inc O	Equities	82489W107	249,192	10,101	SH		DFND		0	0	10,101
Signify Health	Equities	82671G100	233,636	8,152	SH		DFND		0	0	8,152
Sitime Corporation Com	Equities	82982T106	225,495	2,219	SH		DFND		0	0	2,219
SM ENERGY CO	Equities	78454L100	504,791	14,493	SH		DFND		0	0	14,493
SPDR BARCLAYS SHORT TERM CORPOR	Equities	78464A474	744,672	17,318	SH		SOLE		17,318	0	0
SPDR BLOOMBERG BARCLAYS 1 TO 3	Equities	78468R663	3,898,096	42,611	SH		SOLE		42,611	0	0
SPDR GOLD TRGOLD SHS	Equities	78463V107	3,721,751	21,939	SH		DFND		21,939	0	0
SPDR GOLD TRGOLD SHS	Equities	78463V107	337,221	1,988	SH		SOLE		1,988	0	0
SPDR Portfolio Aggregate Bond E	Equities	78464A649	2,027,120	5,825	SH		SOLE		5,825	0	0
SPDR PORTFOLIO DEVELOPED WORLD	Equities	78463X889	889,261	29,952	SH		SOLE		29,952	0	0
SPDR PORTFOLIO EMERGING MARKETS	Equities	78463X509	496,674	15,069	SH		SOLE		15,069	0	0
SPDR Portfolio Long Term Treasu	Equities	78464A664	235,572	8,115	SH		SOLE		8,115	0	0
SPDR Portfolio S&P 500 Value ET	Equities	78464A508	1,162,013	29,879	SH		SOLE		29,879	0	0
SPDR Portfolio TIPS	Equities	78464A656	259,860	11,632	SH		SOLE		11,632	0	0
SPDR PORTFOLIO TOTAL STOCK MARK	Equities	78464A805	573,235	20,299	SH		SOLE		20,299	0	0
SPDR S&P 500	Equities	78462F103	5,840,496	15,272	SH		SOLE		15,272	0	0
SPDR S&P 500 GROWTH ETF	Equities	78464A409	2,175,188	54,957	SH		SOLE		54,957	0	0
SPDR S&P 600 Small Cap Growth E	Equities	78464A201	633,332	8,767	SH		SOLE		8,767	0	0
SPDR S&P 600 Small Cap Value ET	Equities	78464A300	587,119	10,899	SH		SOLE		10,899	0	0
SPDR S&P DIVIDEND ETF	Equities	78464A763	5,141,621	41,097	SH		SOLE		41,097	0	0
SPDR S&P MIDCAP 400	Equities	78467Y107	461,551	1,042	SH		SOLE		1,042	0	0
SPDR S&P Transportation ETF	Equities	78464A532	293,244	4,363	SH		SOLE		4,363	0	0
STAG Industrial Inc.	Equities	85254J102	229,918	7,116	SH		DFND		0	0	7,116
STANLEY BLACK & DECKER, INC.	Equities	854502101	391,075	5,206	SH		DFND		0	0	5,206
STARBUCKS CORP	Equities	855244109	3,418,928	34,465	SH		SOLE		34,465	0	0
Steris PLC	Equities	G8473T100	314,896	1,705	SH		DFND		0	0	1,705
Stifel Financial Corp	Equities	860630102	284,087	4,867	SH		DFND		0	0	4,867
STOCK YARDS BANCORP INC.	Equities	861025104	672,868	10,355	SH		SOLE		10,355	0	0
Stoneridge Inc	Equities	86183P102	269,047	12,479	SH		DFND		0	0	12,479
STRYKER CORP	Equities	863667101	1,730,989	7,080	SH		DFND		0	0	7,080
STRYKER CORP	Equities	863667101	3,016,029	12,336	SH		SOLE		12,336	0	0
Summit Materials Inc	Equities	86614U100	273,140	9,621	SH		DFND		0	0	9,621
SYNOPSYS INC	Equities	871607107	820,575	2,570	SH		DFND		0	0	2,570
SYNOVUS FINANCIAL CORPORATION N	Equities	87161C501	345,760	9,208	SH		DFND		0	0	9,208
TAIWAN SEMICONDUCTOR	Equities	874039100	3,854,560	51,746	SH		SOLE		51,746	0	0
TAPESTRY ORD SHS	Equities	876030107	229,394	6,024	SH		DFND		0	0	6,024
TARGET CORP	Equities	87612E106	2,981,545	20,005	SH		SOLE		20,005	0	0
TECHNOLOGY SELECT SECTOR SPDR	Equities	81369Y803	374,171	3,007	SH		SOLE		3,007	0	0
TESLA MOTORS INC.	Equities	88160R101	939,248	7,625	SH		DFND		0	0	7,625
TEXAS INSTRUMENTS	Equities	882508104	190,003	1,150	SH		DFND		0	0	1,150
TEXAS INSTRUMENTS	Equities	882508104	3,175,363	19,219	SH		SOLE		19,219	0	0
The Bancorp Inc	Equities	05969A105	360,568	12,705	SH		DFND		0	0	12,705
THERMO FISHER SCIENTIFIC INC	Equities	883556102	3,281,562	5,959	SH		SOLE		5,959	0	0
THOMSON REUTERS CORP.	Equities	884903709	250,954	2,200	SH		DFND		0	0	2,200
TJX COMPANIES	Equities	872540109	4,981,925	62,587	SH		SOLE		62,587	0	0
TJX COMPANIES	Equities	872540109	2,494,107	31,333	SH		DFND		0	0	31,333
Tortoise North American Pipelin	Equities	56167N720	342,074	13,855	SH		SOLE		13,855	0	0
TRANSUNION	Equities	89400J107	211,961	3,735	SH		DFND		0	0	3,735
TRAVELERS COMPANIES INC	Equities	89417E109	312,546	1,667	SH		DFND		0	0	1,667
TREX ORD SHS	Equities	89531P105	206,867	4,887	SH		DFND		0	0	4,887
Triumph Group Inc	Equities	896818101	105,326	10,012	SH		DFND		0	0	10,012
TRUIST FINANCIAL CORP.	Equities	89832Q109	817,656	19,002	SH		SOLE		19,002	0	0
TRUIST FINANCIAL CORP.	Equities	89832Q109	117,902	2,740	SH		DFND		0	0	2,740
ULTA BEAUTY INC.	Equities	90384S303	562,884	1,200	SH		DFND		0	0	1,200
UNION PACIFIC CORP	Equities	907818108	1,112,173	5,371	SH		DFND		0	0	5,371
UNION PACIFIC CORP	Equities	907818108	74,752	361	SH		SOLE		361	0	0
UNITED PARCEL SERVICE INC CL B	Equities	911312106	325,081	1,870	SH		DFND		0	0	1,870
UNITED PARCEL SERVICE INC CL B	Equities	911312106	522	3	SH		SOLE		3	0	0
UNITED RENTALS INC	Equities	911363109	895,658	2,520	SH		DFND		0	0	2,520
UNITEDHEALTH GROUP	Equities	91324P102	5,863,791	11,060	SH		SOLE		11,060	0	0
UNITEDHEALTH GROUP	Equities	91324P102	3,764,278	7,100	SH		DFND		0	0	7,100
UNIVERSAL DISPLAY CORP.	Equities	91347P105	222,346	2,058	SH		DFND		0	0	2,058
US BANCORP	Equities	902973304	383,594	8,796	SH		DFND		0	0	8,796
US BANCORP	Equities	902973304	23,331	535	SH		SOLE		535	0	0
VALERO ENERGY CORPORATION	Equities	91913Y100	358,633	2,827	SH		DFND		0	0	2,827
VANECK BIOTECH ETF	Equities	92189F726	377,075	2,361	SH		SOLE		2,361	0	0
VANECK VECTORS FALLEN ANGEL HIY	Equities	92189F437	2,794,383	103,419	SH		SOLE		103,419	0	0
VANGUARD DIVIDEND APPRECIATION	Equities	921908844	766,603	5,048	SH		SOLE		5,048	0	0
VANGUARD DIVIDEND APPRECIATION	Equities	921908844	24,783,786	163,212	SH		DFND		163,212	0	0
Vanguard Emerging Mrkts Govt Bo	Equities	921946885	4,968,636	81,480	SH		DFND		81,480	0	0
Vanguard Emerging Mrkts Govt Bo	Equities	921946885	80,029	1,312	SH		SOLE		1,312	0	0
Vanguard Extended Duration Trs	Equities	921910709	302,475	10,274	SH		SOLE		10,274	0	0
VANGUARD FTSE ALL-WORLD EX-US E	Equities	922042775	342,636	6,834	SH		SOLE		6,834	0	0
VANGUARD FTSE DEVELOPED MARKETS	Equities	921943858	3,941,179	93,905	SH		SOLE		93,905	0	0
VANGUARD FTSE DEVELOPED MARKETS	Equities	921943858	20,015,748	476,906	SH		DFND		476,906	0	0
VANGUARD FTSE EMERGING MARKETS	Equities	922042858	7,910,603	202,940	SH		DFND		202,940	0	0
VANGUARD FTSE EMERGING MARKETS	Equities	922042858	3,271,560	83,929	SH		SOLE		83,929	0	0
VANGUARD GROWTH ETF	Equities	922908736	1,067,546	5,009	SH		SOLE		5,009	0	0
VANGUARD HEALTH CARE ETF	Equities	92204A504	963,567	3,885	SH		SOLE		3,885	0	0
VANGUARD HIGH DIVDEND YIELD	Equities	921946406	276,880	2,559	SH		SOLE		2,559	0	0
VANGUARD INFORMATION TECHNOLOGY	Equities	92204A702	7,591,929	23,769	SH		SOLE		23,769	0	0
VANGUARD INTERMED TERM BOND ETF	Equities	921937819	218,724	2,943	SH		SOLE		2,943	0	0
VANGUARD INTERMEDIATE TERM GOVE	Equities	92206C706	18,448,829	315,472	SH		DFND		315,472	0	0
VANGUARD INTERMEDIATE TERM GOVE	Equities	92206C706	33,249	569	SH		SOLE		569	0	0
VANGUARD INTERMEDIATE-TERM CORP	Equities	92206C870	16,734,826	215,909	SH		DFND		215,909	0	0
VANGUARD INTERMEDIATE-TERM CORP	Equities	92206C870	414,332	5,346	SH		SOLE		5,346	0	0
VANGUARD INTL DIV APPREC ETF	Equities	921946810	8,107,700	116,440	SH		DFND		116,440	0	0
VANGUARD INTL DIV APPREC ETF	Equities	921946810	66,318	952	SH		SOLE		952	0	0
VANGUARD LARGE CAP ETF	Equities	922908637	4,923,202	28,262	SH		SOLE		28,262	0	0
VANGUARD LONG TERM GOVERNMENT B	Equities	92206C847	42,551	691	SH		SOLE		691	0	0
VANGUARD LONG TERM GOVERNMENT B	Equities	92206C847	5,643,687	91,596	SH		DFND		91,596	0	0
VANGUARD LONG-TERM CORPORATE BO	Equities	92206C813	4,572,202	60,391	SH		DFND		60,391	0	0
Vanguard Mega Cap Growth ETF	Equities	921910816	244,953	1,424	SH		SOLE		1,424	0	0
VANGUARD MID CAP ETF	Equities	922908629	3,092,778	15,175	SH		SOLE		15,175	0	0
VANGUARD MID CAP ETF	Equities	922908629	30,874,262	151,486	SH		DFND		151,486	0	0
VANGUARD MID CAP GROWTH ETF	Equities	922908538	290,328	1,376	SH		SOLE		1,376	0	0
VANGUARD MID CAP VALUE ETF	Equities	922908512	2,113,377	15,627	SH		SOLE		15,627	0	0
VANGUARD MORTGAGE-BACKED SECS E	Equities	92206C771	15,098,820	331,696	SH		DFND		331,696	0	0
VANGUARD REAL ESTATE ETF	Equities	922908553	1,446,523	17,538	SH		SOLE		17,538	0	0
VANGUARD S&P 500	Equities	922908363	4,162,848	11,848	SH		SOLE		11,848	0	0
VANGUARD SHORT TERM GOVERNMENT	Equities	92206C102	814,154	14,081	SH		SOLE		14,081	0	0
VANGUARD SHORT-TERM CORP BD IDX	Equities	92206C409	27,019	359	SH		SOLE		359	0	0
VANGUARD SHORT-TERM CORP BD IDX	Equities	92206C409	3,553,494	47,260	SH		DFND		47,260	0	0
Vanguard Shrt-Term Infl-Prot Se	Equities	922020805	5,908,599	126,495	SH		DFND		126,495	0	0
Vanguard Shrt-Term Infl-Prot Se	Equities	922020805	1,087,808	23,289	SH		SOLE		23,289	0	0
VANGUARD SMALL CAP ETF	Equities	922908751	24,147,824	131,567	SH		SOLE		131,567	0	0
VANGUARD SMALL CAP GROWTH ETF	Equities	922908595	995,606	4,965	SH		SOLE		4,965	0	0
VANGUARD SMALL CAP VALUE ETF	Equities	922908611	727,924	4,584	SH		SOLE		4,584	0	0
VANGUARD ST BOND ETF	Equities	921937827	308,173	4,094	SH		SOLE		4,094	0	0
VANGUARD TOTAL BOND MARKET ETF	Equities	921937835	1,786,349	24,866	SH		SOLE		24,866	0	0
VANGUARD TOTAL INTERNATIONAL BO	Equities	92203J407	427,461	9,012	SH		SOLE		9,012	0	0
VANGUARD TOTAL INTERNATIONAL BO	Equities	92203J407	4,250,418	89,615	SH		DFND		89,615	0	0
Vanguard Total World Stock Inde	Equities	922042742	1,289,810	14,965	SH		SOLE		14,965	0	0
VANGUARD VALUE ETF	Equities	922908744	4,369,964	31,132	SH		SOLE		31,132	0	0
Vertiv Hldg Co Class A	Equities	92537N108	314,098	22,994	SH		DFND		0	0	22,994
VG EXT MKT VIPERS	Equities	922908652	621,846	4,680	SH		SOLE		4,680	0	0
VG TOTL STK VPRS	Equities	922908769	3,645,924	19,070	SH		SOLE		19,070	0	0
VISA INC	Equities	92826C839	2,149,693	10,347	SH		DFND		0	0	10,347
VISA INC	Equities	92826C839	3,465,021	16,678	SH		SOLE		16,678	0	0
WALMART INC.	Equities	931142103	512,145	3,612	SH		SOLE		3,612	0	0
WALT DISNEY	Equities	254687106	2,591,109	29,824	SH		SOLE		29,824	0	0
WASTE CONNECTIONS INC.	Equities	94106B101	434,664	3,279	SH		DFND		0	0	3,279
WASTE MANAGEMENT	Equities	94106L109	406,319	2,590	SH		DFND		0	0	2,590
WASTE MANAGEMENT	Equities	94106L109	5,648	36	SH		SOLE		36	0	0
WELLS FARGO & CO	Equities	949746101	593,668	14,378	SH		DFND		0	0	14,378
WELLS FARGO & CO	Equities	949746101	32,619	790	SH		SOLE		790	0	0
WINTRUST FINL CORP	Equities	97650W108	370,620	4,385	SH		DFND		0	0	4,385
WOLFSPEED INC	Equities	977852102	488,044	7,069	SH		DFND		0	0	7,069
Workiva Inc	Equities	98139A105	218,070	2,597	SH		DFND		0	0	2,597
WR BERKLEY CORP.	Equities	084423102	416,552	5,740	SH		DFND		0	0	5,740
XPO LOGISTICS INC.	Equities	983793100	470,687	14,139	SH		DFND		0	0	14,139
ZIONS BANCORPORATION NA	Equities	989701107	224,071	4,558	SH		DFND		0	0	4,558
ZUORA INC. CL A	Equities	98983V106	67,696	10,644	SH		DFND		0	0	10,644