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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
22nd Century Group Inc COM 90137F202   7,448 40,000 SH   DFND   40,000 0 0
3M Co COM 88579Y101   4,791,168 43,827 SH   DFND   43,827 0 0
ADVANCED MICRO DEV COM 007903107   2,324,361 15,768 SH   DFND   15,768 0 0
ALPHABET INC CAP STK CL A 02079K305   14,066,224 100,696 SH   DFND   98,922 0 1,774
ALTRIA GROUP INC COM 02209S103   248,898 6,170 SH   DFND   6,170 0 0
AMER EXPRESS CO COM 025816109   392,852 2,097 SH   DFND   1,797 0 300
AMETEK Inc COM 031100100   1,331,816 8,077 SH   DFND   7,657 0 420
ANALOG DEVICES INC COM 032654105   280,764 1,414 SH   DFND   1,069 0 345
APPLIED MATERIALS COM 038222105   903,378 5,574 SH   DFND   4,374 0 1,200
ARISTA NETWORKS INC COM 040413106   2,523,019 10,713 SH   DFND   10,683 0 30
ASML HOLDING NV N Y REGISTRY SHS N07059210   3,458,367 4,569 SH   DFND   4,569 0 0
AT&T INC COM 00206R102   592,703 35,322 SH   DFND   33,214 0 2,108
AUTOMATIC DATA PROCESSING COM 053015103   11,778,963 50,560 SH   DFND   48,564 0 1,996
AUTOZONE INC COM 053332102   2,040,046 789 SH   DFND   789 0 0
AbbVie Inc COM 00287Y109   12,239,221 78,978 SH   DFND   74,653 0 4,325
Abbott Laboratories COM 002824100   15,668,244 142,348 SH   DFND   138,611 0 3,737
Accenture PLC SHS CLASS A G1151C101   5,355,588 15,262 SH   DFND   15,018 0 244
Adobe Inc COM 00724F101   5,272,154 8,837 SH   DFND   8,606 0 231
Aflac Inc COM 001055102   351,285 4,258 SH   DFND   2,508 0 1,750
Air Products and Chemicals Inc COM 009158106   5,397,145 19,712 SH   DFND   18,221 0 1,491
Akamai Technologies Inc COM 00971T101   1,486,594 12,561 SH   DFND   12,547 0 14
Alphabet Inc CAP STK CL C 02079K107   4,270,179 30,300 SH   DFND   28,900 0 1,400
Amazon.com Inc COM 023135106   12,781,953 84,125 SH   DFND   83,397 0 728
American Tower Corp COM 03027X100   4,923,791 22,808 SH   DFND   22,258 0 550
American Water Works Co Inc COM 030420103   585,904 4,439 SH   DFND   4,339 0 100
Amgen Inc COM 031162100   802,712 2,787 SH   DFND   2,587 0 200
Amphenol Corp CL A 032095101   3,088,296 31,154 SH   DFND   30,830 0 324
Aon PLC SHS CL A G0403H108   1,003,146 3,447 SH   DFND   3,447 0 0
Apple Inc COM 037833100   52,634,814 273,385 SH   DFND   261,927 0 11,458
AvalonBay Communities Inc COM 053484101   372,381 1,989 SH   DFND   1,824 0 165
BAKER HUGHES INC CL A 05722G100   5,819,316 170,255 SH   DFND   169,203 0 1,052
BALL CORP COM 058498106   3,760,945 65,385 SH   DFND   65,185 0 200
BARRICK GOLD CORP COM 067901108   8,043,791 444,654 SH   DFND   441,654 0 3,000
BECTON DICKINSON COM 075887109   1,900,655 7,795 SH   DFND   7,545 0 250
BK OF AMERICA CORP COM 060505104   3,786,663 112,464 SH   DFND   112,395 0 69
BLACKROCK FUNDS/CLOSED-END/USA COM 09254F100   149,998 12,305 SH   DFND   0 0 12,305
BOEING CO COM 097023105   310,968 1,193 SH   DFND   1,048 0 145
BP PLC SPONSORED ADR 055622104   258,526 7,303 SH   DFND   6,861 0 442
BRISTOL-MYRS SQUIB COM 110122108   1,784,100 34,771 SH   DFND   33,371 0 1,400
Bar Harbor Bankshares COM 066849100   12,430,025 423,366 SH   DFND   11,600 0 411,766
Berkshire Hathaway Inc CL B NEW 084670702   14,014,598 39,294 SH   DFND   37,885 0 1,409
BlackRock Fund Advisors CORE S&P TTL STK 464287150   5,701,362 54,180 SH   DFND   54,180 0 0
BlackRock Fund Advisors MSCI EAFE ETF 464287465   2,026,237 26,891 SH   DFND   26,741 0 150
BlackRock Fund Advisors RUS MID CAP ETF 464287499   500,503 6,439 SH   DFND   6,439 0 0
BlackRock Fund Advisors CORE S&P MCP ETF 464287507   24,319,358 87,748 SH   DFND   87,356 0 392
BlackRock Fund Advisors S&P MC 400GR ETF 464287606   441,810 5,577 SH   DFND   5,577 0 0
BlackRock Fund Advisors RUS 1000 ETF 464287622   215,578 822 SH   DFND   822 0 0
BlackRock Fund Advisors S&P MC 400VL ETF 464287705   238,686 2,093 SH   DFND   2,093 0 0
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   22,197,962 205,062 SH   DFND   202,983 0 2,079
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638   17,480,736 336,168 SH   DFND   332,424 0 3,744
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   19,761,387 385,400 SH   DFND   382,768 0 2,632
BlackRock Fund Advisors PFD AND INCM SEC 464288687   386,101 12,379 SH   DFND   10,879 0 1,500
BlackRock Fund Advisors MSCI USA ESG SLC 464288802   208,357 2,073 SH   DFND   1,873 0 200
BlackRock Funds/Closed-End/USA COM 09253X102   158,595 13,625 SH   DFND   0 0 13,625
BlackRock Inc COM 09247X101   885,674 1,091 SH   DFND   1,091 0 0
Blackstone Inc COM 09260D107   360,685 2,755 SH   DFND   2,755 0 0
Booking Holdings Inc COM 09857L108   2,752,643 776 SH   DFND   776 0 0
Booz Allen Hamilton Holding Co CL A 099502106   10,276,161 80,339 SH   DFND   79,864 0 475
Broadcom Inc COM 11135F101   646,309 579 SH   DFND   119 0 460
Brown & Brown Inc COM 115236101   11,618,308 163,385 SH   DFND   162,335 0 1,050
CARRIER GLOBAL CORP COM 14448C104   565,538 9,844 SH   DFND   6,350 0 3,494
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   456,780 6,000 SH   DFND   6,000 0 0
CHUBB LIMITED COM COM H1467J104   4,997,538 22,113 SH   DFND   21,265 0 848
CINTAS CORP COM 172908105   721,986 1,198 SH   DFND   1,198 0 0
CISCO SYSTEMS COM 17275R102   4,521,844 89,506 SH   DFND   86,836 0 2,670
COLGATE-PALMOLIVE COM 194162103   11,465,247 143,837 SH   DFND   143,837 0 0
CONOCOPHILLIPS COM 20825C104   361,210 3,112 SH   DFND   2,622 0 490
CSX CORP COM 126408103   2,732,620 78,818 SH   DFND   66,818 0 12,000
CVS Health Corp COM 126650100   588,568 7,454 SH   DFND   7,154 0 300
Camden National Corp COM 133034108   352,142 9,358 SH   DFND   9,358 0 0
Caterpillar Inc COM 149123101   15,426,287 52,174 SH   DFND   52,174 0 0
Chevron Corp COM 166764100   15,216,855 102,017 SH   DFND   100,813 0 1,204
Church & Dwight Co Inc COM 171340102   214,178 2,265 SH   DFND   2,265 0 0
Cigna Group/The COM 125523100   224,288 749 SH   DFND   328 0 421
Clorox Co/The COM 189054109   342,929 2,405 SH   DFND   2,405 0 0
Coca-Cola Co/The COM 191216100   3,865,042 65,587 SH   DFND   62,687 0 2,900
Comcast Corp CL A 20030N101   3,558,690 81,156 SH   DFND   78,718 0 2,438
Consolidated Edison Inc COM 209115104   296,927 3,264 SH   DFND   3,164 0 100
Costco Wholesale Corp COM 22160K105   24,880,395 37,693 SH   DFND   37,515 0 178
DEERE & CO COM 244199105   693,374 1,734 SH   DFND   1,684 0 50
DENTSPLY SIRONA COM 24906P109   4,931,493 138,564 SH   DFND   138,564 0 0
DOMINION RES(VIR) COM 25746U109   865,270 18,410 SH   DFND   17,395 0 1,015
DTE Energy Co COM 233331107   203,871 1,849 SH   DFND   1,849 0 0
DUKE ENERGY CORP COM NEW 26441C204   363,027 3,741 SH   DFND   3,341 0 400
Danaher Corp COM 235851102   7,084,556 30,624 SH   DFND   30,008 0 616
Dollar Tree Inc COM 256746108   1,298,763 9,143 SH   DFND   9,132 0 11
Dover Corp COM 260003108   550,486 3,579 SH   DFND   3,299 0 280
Dow Inc COM 260557103   1,043,112 19,021 SH   DFND   18,573 0 448
Dreyfus Funds/Closed-end/USA COM SHS 09662W109   124,493 12,075 SH   DFND   0 0 12,075
DuPont de Nemours Inc COM 26614N102   1,024,015 13,311 SH   DFND   12,863 0 448
ECOLAB INC COM 278865100   817,797 4,123 SH   DFND   4,123 0 0
EMERSON ELECTRIC COM 291011104   6,379,982 65,550 SH   DFND   65,550 0 0
EQUINIX INC COM 29444U700   2,121,398 2,634 SH   DFND   2,620 0 14
EQUITY COMMONWEALTH 6.5% CNV PFD D 294628201   5,578,684 221,993 SH   DFND   218,243 0 3,750
Eaton Corp PLC SHS G29183103   3,041,075 12,628 SH   DFND   11,793 0 835
Eaton Vance Management SH BEN INT 27826U108   131,716 13,413 SH   DFND   0 0 13,413
Elevance Health Inc COM 036752103   275,863 585 SH   DFND   585 0 0
Eli Lilly & Co COM 532457108   45,970,820 78,863 SH   DFND   78,863 0 0
Essential Utilities Inc COM 29670G102   230,337 6,167 SH   DFND   6,167 0 0
Eversource Energy COM 30040W108   232,746 3,771 SH   DFND   3,771 0 0
Exxon Mobil Corp COM 30231G102   17,242,051 172,455 SH   DFND   164,525 0 7,930
FEDEX CORP COM 31428X106   3,692,856 14,598 SH   DFND   14,589 0 9
FMC Corp COM NEW 302491303   273,133 4,332 SH   DFND   4,332 0 0
First American Financial Corp COM 31847R102   2,673,229 41,484 SH   DFND   41,484 0 0
First Bancorp Inc/The COM 31866P102   295,802 10,482 SH   DFND   10,482 0 0
GE HealthCare Technologies Inc COMMON STOCK 36266G107   1,943,980 25,142 SH   DFND   24,946 0 196
GENERAL MILLS INC COM 370334104   1,168,612 17,940 SH   DFND   16,660 0 1,280
GSK PLC SPONSORED ADR 37733W204   2,486,429 67,092 SH   DFND   67,092 0 0
General Electric Co COM NEW 369604301   484,866 3,799 SH   DFND   3,211 0 588
Genuine Parts Co COM 372460105   754,133 5,445 SH   DFND   5,445 0 0
Gilead Sciences Inc COM 375558103   325,499 4,018 SH   DFND   3,518 0 500
Harbor ETF Trust SCIENTIFIC HIGH 41151J109   220,599 4,876 SH   DFND   1,472 0 3,404
Hewlett Packard Enterprise Co COM 42824C109   172,296 10,147 SH   DFND   10,147 0 0
Home Depot Inc/The COM 437076102   8,904,949 25,696 SH   DFND   25,107 0 589
Honeywell International Inc COM 438516106   1,194,088 5,694 SH   DFND   4,894 0 800
Huntington Ingalls Industries COM 446413106   9,779,600 37,666 SH   DFND   37,666 0 0
ILLINOIS TOOL WKS COM 452308109   1,551,995 5,925 SH   DFND   4,960 0 965
INTERCONTINENTAL EXCHANGE COM 45866F104   3,887,448 30,269 SH   DFND   29,742 0 527
INTL BUSINESS MCHN COM 459200101   11,551,210 70,628 SH   DFND   70,600 0 28
ISHARES MSCI STH AFR ETF 464286780   669,685 16,025 SH   DFND   16,025 0 0
ISHARES SELECT DIVID ETF 464287168   865,904 7,387 SH   DFND   7,387 0 0
ISHARES CORE S&P500 ETF 464287200   45,296,519 94,836 SH   DFND   94,345 0 491
ISHARES IBOXX INV CP ETF 464287242   5,753,435 51,992 SH   DFND   51,526 0 466
ISHARES S&P 500 GRWT ETF 464287309   660,730 8,798 SH   DFND   8,278 0 520
ISHARES ISHARES BIOTECH 464287556   1,984,769 14,610 SH   DFND   14,541 0 69
ISHARES RUSSELL 2000 ETF 464287655   519,036 2,586 SH   DFND   2,586 0 0
ISHARES CORE MSCI EAFE 46432F842   273,873 3,893 SH   DFND   3,893 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,244,259 30,944 SH   DFND   30,194 0 750
ISHARES TRUST TIPS BD ETF 464287176   842,722 7,840 SH   DFND   7,605 0 235
ISHARES TRUST GLOBAL 100 ETF 464287572   287,456 3,570 SH   DFND   3,570 0 0
ISHARES TRUST GL CLEAN ENE ETF 464288224   184,006 11,818 SH   DFND   11,818 0 0
ISHARES TRUST IBOXX HI YD ETF 464288513   628,020 8,115 SH   DFND   8,115 0 0
ISHARES/USA S&P SML 600 GWT 464287887   224,877 1,797 SH   DFND   1,797 0 0
ISHARES/USA NATIONAL MUN ETF 464288414   356,452 3,288 SH   DFND   3,288 0 0
Intel Corp COM 458140100   3,802,820 75,678 SH   DFND   73,378 0 2,300
Invesco ETFs/USA UNIT SER 1 46090E103   14,116,564 34,471 SH   DFND   34,471 0 0
JPMorgan Chase & Co COM 46625H100   14,662,790 86,201 SH   DFND   85,227 0 974
Johnson & Johnson COM 478160104   37,909,920 241,865 SH   DFND   235,157 0 6,708
KIMBERLY-CLARK CP COM 494368103   1,109,629 9,132 SH   DFND   9,132 0 0
KLA Corp COM NEW 482480100   279,024 480 SH   DFND   480 0 0
KRAFT FOODS INC CL A 609207105   344,043 4,750 SH   DFND   4,750 0 0
Kellanova COM 487836108   762,556 13,639 SH   DFND   12,839 0 800
Kinder Morgan Inc COM 49456B101   3,188,413 180,749 SH   DFND   180,048 0 701
L3Harris Technologies Inc COM 502431109   4,060,543 19,279 SH   DFND   19,252 0 27
LEGG MASON PARTNERS FUND ADVISOR LLC COM 95766M105   423,906 41,682 SH   DFND   0 0 41,682
LOWE'S COS INC COM 548661107   2,259,995 10,155 SH   DFND   9,935 0 220
Lam Research Corp COM 512807108   4,472,415 5,710 SH   DFND   5,705 0 5
Linde PLC SHS G54950103   864,545 2,105 SH   DFND   1,990 0 115
Lockheed Martin Corp COM 539830109   1,061,942 2,343 SH   DFND   2,343 0 0
M&T Bank Corp COM 55261F104   329,541 2,404 SH   DFND   2,345 0 59
MARSH & MCLENNAN COM 571748102   833,479 4,399 SH   DFND   4,275 0 124
MASTERCARD INC CL A 57636Q104   7,903,657 18,531 SH   DFND   18,435 0 96
MCDONALD'S CORP COM 580135101   5,196,041 17,524 SH   DFND   15,799 0 1,725
MICROSOFT CORP COM 594918104   32,307,853 85,916 SH   DFND   80,558 0 5,358
MOODYS CORP COM 615369105   540,144 1,383 SH   DFND   1,383 0 0
Marathon Petroleum Corp COM 56585A102   718,211 4,841 SH   DFND   4,841 0 0
Medtronic PLC SHS G5960L103   9,455,082 114,774 SH   DFND   114,149 0 625
Merck & Co Inc COM 58933Y105   14,979,675 137,403 SH   DFND   135,198 0 2,205
Microchip Technology Inc COM 595017104   216,432 2,400 SH   DFND   200 0 2,200
NEXTERA ENERGY COM 65339F101   6,292,057 103,590 SH   DFND   100,325 0 3,265
NIKE INC CL B 654106103   5,112,669 47,091 SH   DFND   46,554 0 537
NVIDIA Corp COM 67066G104   2,026,936 4,093 SH   DFND   4,018 0 75
NVR Inc COM 62944T105   210,014 30 SH   DFND   30 0 0
Nelnet Inc CL A 64031N108   9,350,614 105,992 SH   DFND   105,492 0 500
Neuberger Berman Funds/Closed- COM 64124P101   205,603 19,865 SH   DFND   630 0 19,235
Noble Holding Corp PLC ORD SHS A G65431127   4,528,100 94,022 SH   DFND   94,022 0 0
Norfolk Southern Corp COM 655844108   1,661,515 7,029 SH   DFND   6,829 0 200
Novartis AG SPONSORED ADR 66987V109   355,415 3,520 SH   DFND   3,120 0 400
Novo Holdings A/S ADR 670100205   26,335,060 254,568 SH   DFND   249,882 0 4,686
Nuveen Closed-End Funds/USA COM 670657105   194,821 17,711 SH   DFND   3,014 0 14,697
Nuveen Closed-End Funds/USA COM 67066V101   149,137 13,025 SH   DFND   2,550 0 10,475
Nuveen Closed-End Funds/USA COM 670928100   4,961,246 576,889 SH   DFND   561,889 0 15,000
OGE Energy Corp COM 670837103   478,681 13,704 SH   DFND   13,704 0 0
ON Semiconductor Corp COM 682189105   2,859,149 34,229 SH   DFND   34,180 0 49
ORACLE CORP COM 68389X105   555,616 5,270 SH   DFND   4,620 0 650
Otis Worldwide Corp COM 68902V107   446,098 4,986 SH   DFND   3,240 0 1,746
PACCAR INC COM 693718108   6,407,402 65,616 SH   DFND   65,594 0 22
PARKER-HANNIFIN COM 701094104   9,298,769 20,184 SH   DFND   20,084 0 100
PEPSICO INC COM 713448108   10,829,678 63,764 SH   DFND   60,445 0 3,319
PHILIP MORRIS INTL COM 718172109   463,720 4,929 SH   DFND   4,929 0 0
PNC Financial Services Group I COM 693475105   438,226 2,830 SH   DFND   2,830 0 0
Palo Alto Networks Inc COM 697435105   1,447,566 4,909 SH   DFND   4,904 0 5
Paychex Inc COM 704326107   266,092 2,234 SH   DFND   2,234 0 0
Pfizer Inc COM 717081103   6,281,114 218,170 SH   DFND   208,675 0 9,495
Pfizer Inc CL A 98978V103   288,950 1,464 SH   DFND   1,464 0 0
Phillips 66 COM 718546104   672,490 5,051 SH   DFND   4,826 0 225
Procter & Gamble Co/The COM 742718109   12,602,733 86,002 SH   DFND   80,905 0 5,097
PureCycle Technologies Inc COM 74623V103   52,650 13,000 SH   DFND   13,000 0 0
QUALCOMM Inc COM 747525103   782,449 5,410 SH   DFND   4,385 0 1,025
ROCKWELL AUTOMATION COM 773903109   1,408,338 4,536 SH   DFND   3,986 0 550
ROPER INDUSTRIES INC COM 776696106   605,683 1,111 SH   DFND   991 0 120
RTX Corp COM 75513E101   1,875,565 22,291 SH   DFND   18,339 0 3,952
S&P Global Inc COM 78409V104   1,029,055 2,336 SH   DFND   1,836 0 500
SALESFORCE.COM INC COM 79466L302   3,496,867 13,289 SH   DFND   13,284 0 5
SANDSTORM GOLD LTD COM NEW 80013R206   5,916,523 1,176,247 SH   DFND   1,158,227 0 18,020
SELECT SECTOR SPDR SBI MATERIALS 81369Y100   3,890,787 45,485 SH   DFND   45,460 0 25
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   20,846,774 152,858 SH   DFND   152,543 0 315
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308   12,231,846 169,816 SH   DFND   169,696 0 120
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407   23,457,011 131,184 SH   DFND   131,033 0 151
SELECT SECTOR SPDR ENERGY 81369Y506   7,133,107 85,080 SH   DFND   85,025 0 55
SELECT SECTOR SPDR FINANCIAL 81369Y605   15,928,789 423,638 SH   DFND   422,782 0 856
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   92,559,783 480,880 SH   DFND   480,379 0 501
SELECT SECTOR SPDR SBI INT-UTILS 81369Y886   4,557,037 71,957 SH   DFND   71,870 0 87
SSGA Funds Management Inc S&P DIVID ETF 78464A763   1,361,298 10,893 SH   DFND   10,539 0 354
SSgA Funds Management Inc COMMUNICATION 81369Y852   5,170,558 71,161 SH   DFND   71,027 0 134
STARBUCKS CORP COM 855244109   2,847,369 29,657 SH   DFND   29,638 0 19
STATE STREET ETF/USA NUVEEN BLOOMBERG 78464A284   385,774 15,248 SH   DFND   0 0 15,248
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107   347,555 685 SH   DFND   395 0 290
Schlumberger NV COM STK 806857108   491,049 9,436 SH   DFND   8,936 0 500
Southern Co/The COM 842587107   452,414 6,452 SH   DFND   6,252 0 200
State Street ETF/USA TR UNIT 78462F103   4,503,562 9,475 SH   DFND   9,320 0 155
State Street Global Advisors Inc INDL 81369Y704   17,709,486 155,360 SH   DFND   155,280 0 80
State Street Global Advisors Inc RL EST SEL SEC 81369Y860   2,736,579 68,312 SH   DFND   68,212 0 100
Synopsys Inc COM 871607107   282,171 548 SH   DFND   548 0 0
Sysco Corp COM 871829107   9,374,901 128,195 SH   DFND   125,484 0 2,711
TEXAS INSTRUMENTS COM 882508104   1,484,365 8,708 SH   DFND   8,348 0 360
TJX Cos Inc/The COM 872540109   8,918,985 95,075 SH   DFND   94,225 0 850
TRACTOR SUPPLY CO COM 892356106   1,277,493 5,941 SH   DFND   5,906 0 35
TRAVELERS CO INC COM 89417E109   317,356 1,666 SH   DFND   1,666 0 0
Target Corp COM 87612E106   797,552 5,600 SH   DFND   5,538 0 62
Tesla Inc COM 88160R101   226,366 911 SH   DFND   911 0 0
Texas Pacific Land Corp COM 88262P102   11,843,693 7,532 SH   DFND   7,487 0 45
Thermo Fisher Scientific Inc COM 883556102   4,670,421 8,799 SH   DFND   8,592 0 207
Timken Co/The COM 887389104   2,877,706 35,904 SH   DFND   35,904 0 0
UTD PARCEL SERV CL B 911312106   13,658,884 86,872 SH   DFND   86,522 0 350
Ulta Beauty Inc COM 90384S303   1,281,814 2,616 SH   DFND   2,616 0 0
Unilever PLC SPON ADR NEW 904767704   2,442,568 50,383 SH   DFND   50,343 0 40
Union Pacific Corp COM 907818108   1,809,974 7,369 SH   DFND   6,824 0 545
UnitedHealth Group Inc COM 91324P102   6,698,804 12,724 SH   DFND   12,612 0 112
VANGUARD S&P 500 ETF SHS 922908363   650,832 1,490 SH   DFND   1,490 0 0
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   5,902,988 143,625 SH   DFND   140,499 0 3,126
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409   5,510,291 71,220 SH   DFND   71,220 0 0
VANGUARD ETF/USA INT-TERM CORP 92206C870   323,657 3,982 SH   DFND   3,982 0 0
VANGUARD ETF/USA TOTAL STK MKT 922908769   432,927 1,825 SH   DFND   1,825 0 0
VERIZON COMMUN COM 92343V104   5,650,212 149,873 SH   DFND   145,018 0 4,855
VISA INC COM CL A 92826C839   3,202,565 12,301 SH   DFND   12,161 0 140
Valero Energy Corp COM 91913Y100   1,776,840 13,668 SH   DFND   13,668 0 0
Van Kampen Funds/Closed-end/US COM 46132C107   190,230 19,795 SH   DFND   0 0 19,795
Van Kampen Funds/Closed-end/US COM 46133G107   126,939 13,348 SH   DFND   0 0 13,348
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   18,088,860 377,638 SH   DFND   376,957 0 681
Vanguard ETF/USA REAL ESTATE ETF 922908553   278,423 3,151 SH   DFND   3,151 0 0
Vanguard ETF/USA MID CAP ETF 922908629   2,954,993 12,702 SH   DFND   12,673 0 29
Vanguard ETF/USA SMALL CP ETF 922908751   383,781 1,799 SH   DFND   1,799 0 0
Vulcan Materials Co COM 929160109   213,162 939 SH   DFND   439 0 500
WASTE MANAGEMENT COM 94106L109   4,716,241 26,333 SH   DFND   26,320 0 13
WISDOMTREE ASSET MANAGEMENT INC US LARGECAP FUND 97717W588   385,184 7,686 SH   DFND   7,686 0 0
WW Grainger Inc COM 384802104   266,838 322 SH   DFND   322 0 0
Walgreens Boots Alliance Inc COM 931427108   2,222,170 85,108 SH   DFND   85,108 0 0
Walmart Inc COM 931142103   8,869,704 56,262 SH   DFND   56,153 0 109
Walt Disney Co/The COM 254687106   3,911,544 43,322 SH   DFND   41,376 0 1,946
Western Asset Trust Closed End COM 958435109   116,347 15,110 SH   DFND   0 0 15,110
Xcel Energy Inc COM 98389B100   352,206 5,689 SH   DFND   5,689 0 0
YUM BRANDS INC COM 988498101   668,979 5,120 SH   DFND   5,120 0 0
ZIMMER HLDGS INC COM 98956P102   3,237,950 26,606 SH   DFND   26,590 0 16
iShares ETFs/USA CORE US AGGBD ET 464287226   49,217,778 495,897 SH   DFND   492,856 0 3,041