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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC Com 00206R102 270 12,883 SH   SOLE 0 12,883 0 0
AT&T INC Com 00206R102 83 3,940 SH   DFND 0 3,940 0 0
ABBVIE INC Com 00287Y109 4,407 28,776 SH   SOLE 0 28,776 0 0
ABBVIE INC Com 00287Y109 1,228 8,015 SH   DFND 0 8,015 0 0
ADOBE SYSTEMS INC Com 00724F101 783 2,138 SH   SOLE 0 2,138 0 0
ADOBE SYSTEMS INC Com 00724F101 128 350 SH   DFND 0 350 0 0
ALPHABET INC-CL C Com 02079K107 1,938 886 SH   SOLE 0 886 0 0
ALPHABET INC-CL A Com 02079K305 4,546 2,086 SH   SOLE 0 2,086 0 0
ALPHABET INC-CL A Com 02079K305 416 191 SH   DFND 0 191 0 0
ALTRIA GROUP INC Com 02209S103 231 5,533 SH   SOLE 0 5,533 0 0
ALTRIA GROUP INC Com 02209S103 214 5,131 SH   DFND 0 5,131 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 650 2,734 SH   SOLE 0 2,734 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 164 690 SH   DFND 0 690 0 0
ANALOG DEVICES INC Com 032654105 199 1,359 SH   SOLE 0 1,359 0 0
ANALOG DEVICES INC Com 032654105 30 204 SH   DFND 0 204 0 0
ASTRAZENECA PLC ADR Com 046353108 24 367 SH   SOLE 0 367 0 0
ASTRAZENECA PLC ADR Com 046353108 264 3,997 SH   DFND 0 3,997 0 0
Bank of America Pfd Stk 060505EH3 48 50,000 SH   SOLE 0 50,000 0 0
Bank of America Pfd Stk 060505EH3 194 200,000 SH   DFND 0 200,000 0 0
Bank Amer Corp Pfd Stk 060505EU4 99 100,000 SH   DFND 0 100,000 0 0
BLACKROCK INC Com 09247X101 902 1,481 SH   SOLE 0 1,481 0 0
BLACKROCK INC Com 09247X101 37 61 SH   DFND 0 61 0 0
BLACKSTONE INC Com 09260D107 253 2,776 SH   SOLE 0 2,776 0 0
BLACKSTONE INC Com 09260D107 228 2,500 SH   DFND 0 2,500 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 889 11,544 SH   SOLE 0 11,544 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 715 9,288 SH   DFND 0 9,288 0 0
BROADCOM INC Com 11135F101 363 747 SH   SOLE 0 747 0 0
BROADCOM INC Com 11135F101 48 99 SH   DFND 0 99 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 612 7,141 SH   SOLE 0 7,141 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 274 3,192 SH   DFND 0 3,192 0 0
CVS HEALTH CORP Com 126650100 2,368 25,559 SH   SOLE 0 25,559 0 0
CVS HEALTH CORP Com 126650100 276 2,975 SH   DFND 0 2,975 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 610 5,853 SH   SOLE 0 5,853 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 115 1,102 SH   DFND 0 1,102 0 0
CARLISLE COS INC Com 142339100 1,331 5,579 SH   SOLE 0 0 0 5,579
CARRIER GLOBAL CORPORATION Com 14448C104 602 16,872 SH   SOLE 0 15,200 0 1,672
CARRIER GLOBAL CORPORATION Com 14448C104 31 870 SH   DFND 0 870 0 0
CATERPILLAR INC Com 149123101 595 3,326 SH   SOLE 0 3,326 0 0
CATERPILLAR INC Com 149123101 80 450 SH   DFND 0 450 0 0
CHEVRON CORP Com 166764100 4,157 28,713 SH   SOLE 0 26,970 0 1,743
CHEVRON CORP Com 166764100 525 3,628 SH   DFND 0 3,628 0 0
CISCO SYSTEMS INC Com 17275R102 1,274 29,867 SH   SOLE 0 29,867 0 0
CISCO SYSTEMS INC Com 17275R102 333 7,803 SH   DFND 0 7,803 0 0
CITIGROUP INC Com 172967424 586 12,749 SH   SOLE 0 12,749 0 0
CITIGROUP INC Com 172967424 8 165 SH   DFND 0 165 0 0
COCA-COLA CO/THE Com 191216100 7,108 112,991 SH   SOLE 0 112,991 0 0
COCA-COLA CO/THE Com 191216100 153 2,429 SH   DFND 0 2,429 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 38 566 SH   SOLE 0 566 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 270 4,000 SH   DFND 0 4,000 0 0
COMCAST CORP-CLASS A Com 20030N101 261 6,662 SH   SOLE 0 6,662 0 0
COMCAST CORP-CLASS A Com 20030N101 27 676 SH   DFND 0 676 0 0
CONOCOPHILLIPS Com 20825C104 1,046 11,649 SH   SOLE 0 11,649 0 0
CONOCOPHILLIPS Com 20825C104 168 1,875 SH   DFND 0 1,875 0 0
CONSOLIDATED EDISON INC Com 209115104 228 2,395 SH   SOLE 0 2,395 0 0
COSTCO WHOLESALE CORP Com 22160K105 4,672 9,748 SH   SOLE 0 9,748 0 0
COSTCO WHOLESALE CORP Com 22160K105 350 731 SH   DFND 0 731 0 0
CUMMINS INC Com 231021106 251 1,298 SH   SOLE 0 1,298 0 0
CUMMINS INC Com 231021106 87 450 SH   DFND 0 450 0 0
DTE ENERGY COMPANY Com 233331107 418 3,300 SH   SOLE 0 3,300 0 0
DTE ENERGY COMPANY Com 233331107 114 900 SH   DFND 0 900 0 0
DANAHER CORP Com 235851102 484 1,909 SH   SOLE 0 1,909 0 0
DANAHER CORP Com 235851102 374 1,477 SH   DFND 0 1,477 0 0
DEERE & CO Com 244199105 1,256 4,195 SH   SOLE 0 4,195 0 0
DEERE & CO Com 244199105 210 700 SH   DFND 0 700 0 0
WALT DISNEY CO/THE Com 254687106 1,548 16,401 SH   SOLE 0 16,401 0 0
WALT DISNEY CO/THE Com 254687106 104 1,105 SH   DFND 0 1,105 0 0
DOMINION RESOURCES INC/VA Com 25746U109 202 2,527 SH   SOLE 0 2,527 0 0
DOW INC COM Com 260557103 204 3,961 SH   SOLE 0 3,961 0 0
DOW INC COM Com 260557103 9 180 SH   DFND 0 180 0 0
DUKE REALTY CORP Com 264411505 774 14,089 SH   SOLE 0 14,089 0 0
DUKE ENERGY CORP Com 26441C204 183 1,704 SH   SOLE 0 1,704 0 0
DUKE ENERGY CORP Com 26441C204 19 180 SH   DFND 0 180 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201 515 11,250 SH   SOLE 0 11,250 0 0
ECOLAB INC Com 278865100 1,092 7,105 SH   SOLE 0 7,105 0 0
EMERSON ELECTRIC CO Com 291011104 738 9,277 SH   SOLE 0 9,277 0 0
EMERSON ELECTRIC CO Com 291011104 288 3,617 SH   DFND 0 3,617 0 0
ENBRIDGE INC Com 29250N105 1,691 40,020 SH   SOLE 0 40,020 0 0
ENBRIDGE INC Com 29250N105 337 7,982 SH   DFND 0 7,982 0 0
EXXON MOBIL CORP Com 30231G102 2,336 27,273 SH   SOLE 0 25,486 0 1,787
EXXON MOBIL CORP Com 30231G102 1,220 14,240 SH   DFND 0 14,240 0 0
META PLATFORMS INC Com 30303M102 768 4,763 SH   SOLE 0 4,763 0 0
FEDEX CORP Com 31428X106 499 2,201 SH   SOLE 0 2,201 0 0
FEDEX CORP Com 31428X106 554 2,445 SH   DFND 0 2,445 0 0
FISERV INC Com 337738108 1,024 11,515 SH   SOLE 0 11,515 0 0
FISERV INC Com 337738108 22 250 SH   DFND 0 250 0 0
FORD MOTOR CO Com 345370860 285 25,600 SH   SOLE 0 25,600 0 0
FRANKLIN CALIF TAX FREE INCOME Com 352518104 1,097 160,809 SH   SOLE 0 160,809 0 0
GENERAL DYNAMICS CORP Com 369550108 324 1,465 SH   SOLE 0 1,465 0 0
GENERAL MILLS INC Com 370334104 547 7,251 SH   SOLE 0 7,251 0 0
GENERAL MILLS INC Com 370334104 85 1,120 SH   DFND 0 1,120 0 0
GILEAD SCIENCES INC Com 375558103 341 5,509 SH   SOLE 0 5,509 0 0
GILEAD SCIENCES INC Com 375558103 26 415 SH   DFND 0 415 0 0
GLOBAL X S&P 500 CATHOLIC VALUES ETF Com 37954Y889 284 6,190 SH   SOLE 0 6,190 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 715 2,408 SH   SOLE 0 2,408 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 53 179 SH   DFND 0 179 0 0
GOLDMAN ACTIVEBETA US LC ETF Com 381430503 701 9,360 SH   SOLE 0 9,360 0 0
WW GRAINGER INC Com 384802104 7 15 SH   SOLE 0 15 0 0
WW GRAINGER INC Com 384802104 815 1,793 SH   DFND 0 1,793 0 0
HP INC Com 40434L105 580 17,693 SH   SOLE 0 17,693 0 0
HP INC Com 40434L105 149 4,531 SH   DFND 0 4,531 0 0
HOME DEPOT INC Com 437076102 825 3,007 SH   SOLE 0 3,007 0 0
HOME DEPOT INC Com 437076102 528 1,926 SH   DFND 0 1,926 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 1,011 5,817 SH   SOLE 0 5,817 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 175 1,009 SH   DFND 0 1,009 0 0
ILLINOIS TOOL WORKS Com 452308109 846 4,643 SH   SOLE 0 4,643 0 0
INTEL CORP Com 458140100 847 22,628 SH   SOLE 0 22,628 0 0
INTEL CORP Com 458140100 364 9,725 SH   DFND 0 9,725 0 0
INTL BUSINESS MACHINES CORP Com 459200101 1,251 8,860 SH   SOLE 0 8,460 0 400
INTL BUSINESS MACHINES CORP Com 459200101 361 2,560 SH   DFND 0 2,560 0 0
INVESCO QQQ TRUST Com 46090E103 4,024 14,357 SH   SOLE 0 14,357 0 0
INVESCO QQQ TRUST Com 46090E103 87 311 SH   DFND 0 311 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 1,062 7,763 SH   SOLE 0 7,763 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 94 684 SH   DFND 0 684 0 0
INVITATION HOMES INC Com 46187W107 671 18,849 SH   SOLE 0 18,849 0 0
INVITATION HOMES INC Com 46187W107 100 2,800 SH   DFND 0 2,800 0 0
ISHARES GOLD TRUST ISHARES Com 464285204 899 26,192 SH   SOLE 0 26,192 0 0
ISHARES GOLD TRUST ISHARES Com 464285204 66 1,921 SH   DFND 0 1,921 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150 1,863 22,240 SH   SOLE 0 22,240 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150 551 6,582 SH   DFND 0 6,582 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 2,441 20,744 SH   SOLE 0 20,744 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 72 610 SH   DFND 0 610 0 0
ISHARES CORE S&P 500 ETF Com 464287200 6,808 17,957 SH   SOLE 0 17,957 0 0
ISHARES CORE S&P 500 ETF Com 464287200 496 1,308 SH   DFND 0 1,308 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 111 2,771 SH   SOLE 0 2,771 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 131 3,274 SH   DFND 0 3,274 0 0
ISHARES S&P GLOBAL TECHNOLOGY SECTOR Com 464287291 1,875 41,035 SH   SOLE 0 41,035 0 0
ISHARES S&P 500 GROWTH ETF Com 464287309 999 16,554 SH   SOLE 0 16,554 0 0
ISHARES S&P 500 VALUE ETF Com 464287408 1,222 8,890 SH   SOLE 0 8,890 0 0
ISHARES MSCI EAFE ETF Com 464287465 1,868 29,891 SH   SOLE 0 29,891 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473 272 2,680 SH   SOLE 0 2,680 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473 91 900 SH   DFND 0 900 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499 1,325 20,497 SH   SOLE 0 20,497 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499 116 1,799 SH   DFND 0 1,799 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 8,521 37,666 SH   SOLE 0 37,666 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 374 1,652 SH   DFND 0 1,652 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 9,963 68,723 SH   SOLE 0 68,723 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 373 2,574 SH   DFND 0 2,574 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606 456 7,160 SH   SOLE 0 7,160 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606 198 3,100 SH   DFND 0 3,100 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 20,673 94,528 SH   SOLE 0 94,528 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 1,265 5,786 SH   DFND 0 5,786 0 0
ISHARES RUSSELL 1000 ETF Com 464287622 1,788 8,604 SH   SOLE 0 8,604 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630 179 1,314 SH   SOLE 0 1,314 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630 66 483 SH   DFND 0 483 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 3,525 17,088 SH   SOLE 0 17,088 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 86 415 SH   DFND 0 415 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 2,762 16,309 SH   SOLE 0 16,309 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 247 1,459 SH   DFND 0 1,459 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705 385 4,076 SH   SOLE 0 4,076 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705 181 1,920 SH   DFND 0 1,920 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 2,647 33,109 SH   SOLE 0 33,109 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 177 2,220 SH   DFND 0 2,220 0 0
ISHARES DOW JONES US ENERGY SECTOR FUND Com 464287796 763 20,010 SH   SOLE 0 20,010 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 5,438 58,850 SH   SOLE 0 58,850 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 261 2,827 SH   DFND 0 2,827 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879 142 1,600 SH   SOLE 0 1,600 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879 178 2,000 SH   DFND 0 2,000 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887 412 3,909 SH   SOLE 0 3,909 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887 228 2,166 SH   DFND 0 2,166 0 0
ISHARES TR AGENCY BOND ETF Com 464288166 226 2,052 SH   SOLE 0 2,052 0 0
ISHARES TR AGENCY BOND ETF Com 464288166 14 128 SH   DFND 0 128 0 0
ISHARES TR GL CLEAN ENERGY ETF Com 464288224 1,295 68,003 SH   SOLE 0 68,003 0 0
ISHARES MSCI ACWI ETF Com 464288257 862 10,280 SH   SOLE 0 10,280 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 522 6,119 SH   SOLE 0 6,119 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 163 1,913 SH   DFND 0 1,913 0 0
ISHARES S&P GLOBAL INFRASTRUCTURE INDEX FUND Com 464288372 333 7,128 SH   SOLE 0 7,128 0 0
ISHARES S&P GLOBAL INFRASTRUCTURE INDEX FUND Com 464288372 21 440 SH   DFND 0 440 0 0
ISHARES TR MBS ETF Com 464288588 284 2,910 SH   SOLE 0 2,910 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF Com 464288646 733 14,506 SH   SOLE 0 14,506 0 0
ISHARES S&P PREF STK ETF Com 464288687 2,843 86,463 SH   SOLE 0 86,463 0 0
ISHARES S&P PREF STK ETF Com 464288687 33 1,000 SH   DFND 0 1,000 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810 1,808 35,842 SH   SOLE 0 35,842 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885 202 2,511 SH   SOLE 0 2,511 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 7,937 332,102 SH   SOLE 0 332,102 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 1,150 48,103 SH   DFND 0 48,103 0 0
ISHARES AAA - A RATED CORPORATE BOND ETF Com 46429B291 201 4,174 SH   SOLE 0 4,174 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 7,622 108,553 SH   SOLE 0 108,553 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 678 9,660 SH   DFND 0 9,660 0 0
ISHARES TR 0-5 YR TIPS ETF Com 46429B747 1,119 11,035 SH   SOLE 0 11,035 0 0
ISHARES TR 0-5 YR TIPS ETF Com 46429B747 43 422 SH   DFND 0 422 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 10,812 219,485 SH   SOLE 0 219,485 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 5,870 119,155 SH   DFND 0 119,155 0 0
ISHARES GSCI COMMODITY DYNAMIC ROLL ST ETF Com 46431W853 1,037 25,323 SH   SOLE 0 25,323 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339 7,012 62,762 SH   SOLE 0 62,762 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339 118 1,053 SH   DFND 0 1,053 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388 2,345 25,907 SH   SOLE 0 25,907 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388 120 1,330 SH   DFND 0 1,330 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 5,230 88,875 SH   SOLE 0 88,875 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 1,283 21,793 SH   DFND 0 21,793 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 1,050 21,412 SH   SOLE 0 21,412 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 277 5,656 SH   DFND 0 5,656 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF Com 46434G764 1,497 31,353 SH   SOLE 0 31,353 0 0
ISHARES MSCI EM ESG OPTIMIZED Com 46434G863 1,097 33,949 SH   SOLE 0 33,949 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407 3,243 79,983 SH   SOLE 0 79,983 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407 372 9,166 SH   DFND 0 9,166 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Com 46434V613 1,099 23,472 SH   SOLE 0 23,472 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Com 46434V613 214 4,573 SH   DFND 0 4,573 0 0
ISHA CURR HEDGED MSCI EAFE Com 46434V803 498 15,663 SH   SOLE 0 15,663 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425 4,793 57,129 SH   SOLE 0 57,129 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425 59 700 SH   DFND 0 700 0 0
ISHARES FALLEN ANGELS USD BOND ETF Com 46435G474 1,369 55,616 SH   SOLE 0 55,616 0 0
ISHARES FALLEN ANGELS USD BOND ETF Com 46435G474 90 3,659 SH   DFND 0 3,659 0 0
ISHARES MSCI EAFE ESG SELECT ETF Com 46435G516 499 7,948 SH   SOLE 0 7,948 0 0
ISHARES MSCI USA SMALL-CAP ESG OPTIMIZED ETF Com 46435U663 511 16,216 SH   SOLE 0 16,216 0 0
JPMORGAN CHASE & CO Com 46625H100 3,133 27,822 SH   SOLE 0 27,822 0 0
JPMORGAN CHASE & CO Com 46625H100 767 6,812 SH   DFND 0 6,812 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4 50 50,000 SH   SOLE 0 50,000 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4 201 200,000 SH   DFND 0 200,000 0 0
JPMORGAN ULTRA-SHORT INCOME ETF Com 46641Q837 780 15,565 SH   SOLE 0 15,565 0 0
JPMORGAN ULTRA-SHORT INCOME ETF Com 46641Q837 4 70 SH   DFND 0 70 0 0
JACOBS ENGR GROUP INC Com 469814107 200 1,576 SH   SOLE 0 1,576 0 0
JACOBS ENGR GROUP INC Com 469814107 20 160 SH   DFND 0 160 0 0
JOHNSON & JOHNSON Com 478160104 2,417 13,617 SH   SOLE 0 13,617 0 0
JOHNSON & JOHNSON Com 478160104 1,600 9,015 SH   DFND 0 9,015 0 0
KIMBERLY-CLARK CORP Com 494368103 691 5,111 SH   SOLE 0 5,111 0 0
KIMBERLY-CLARK CORP Com 494368103 28 204 SH   DFND 0 204 0 0
LKQ CORPORATION Com 501889208 581 11,838 SH   SOLE 0 11,838 0 0
LKQ CORPORATION Com 501889208 142 2,895 SH   DFND 0 2,895 0 0
ELI LILLY & CO Com 532457108 3,272 10,091 SH   SOLE 0 10,091 0 0
ELI LILLY & CO Com 532457108 555 1,712 SH   DFND 0 1,712 0 0
LOCKHEED MARTIN CORP Com 539830109 163 378 SH   SOLE 0 378 0 0
LOCKHEED MARTIN CORP Com 539830109 40 92 SH   DFND 0 92 0 0
LOWE'S COS INC Com 548661107 696 3,984 SH   SOLE 0 3,984 0 0
LOWE'S COS INC Com 548661107 185 1,060 SH   DFND 0 1,060 0 0
MASTERCARD INC-CLASS A Com 57636Q104 911 2,889 SH   SOLE 0 2,889 0 0
MASTERCARD INC-CLASS A Com 57636Q104 74 235 SH   DFND 0 235 0 0
MCDONALD'S CORP Com 580135101 1,254 5,079 SH   SOLE 0 5,079 0 0
MCDONALD'S CORP Com 580135101 244 990 SH   DFND 0 990 0 0
MCKESSON CORP Com 58155Q103 852 2,611 SH   SOLE 0 2,611 0 0
MCKESSON CORP Com 58155Q103 261 800 SH   DFND 0 800 0 0
MERCK & CO. INC. Com 58933Y105 847 9,285 SH   SOLE 0 9,285 0 0
MERCK & CO. INC. Com 58933Y105 895 9,818 SH   DFND 0 9,818 0 0
MICROSOFT CORP Com 594918104 9,000 35,041 SH   SOLE 0 35,041 0 0
MICROSOFT CORP Com 594918104 3,702 14,413 SH   DFND 0 14,413 0 0
MICRON TECHNOLOGY INC Com 595112103 357 6,465 SH   SOLE 0 6,465 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 296 4,763 SH   SOLE 0 4,763 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 272 4,386 SH   DFND 0 4,386 0 0
MOTOROLA SOLUTIONS INC Com 620076307 241 1,152 SH   DFND 0 1,152 0 0
NEXTERA ENERGY INC Com 65339F101 1,592 20,554 SH   SOLE 0 20,554 0 0
NEXTERA ENERGY INC Com 65339F101 194 2,508 SH   DFND 0 2,508 0 0
NIKE INC -CL B Com 654106103 1,430 13,997 SH   SOLE 0 13,997 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109 371 4,388 SH   SOLE 0 4,388 0 0
NVIDIA CORP Com 67066G104 5,043 33,269 SH   SOLE 0 33,269 0 0
NVIDIA CORP Com 67066G104 617 4,067 SH   DFND 0 4,067 0 0
ORACLE CORP Com 68389X105 444 6,359 SH   SOLE 0 6,359 0 0
ORACLE CORP Com 68389X105 269 3,847 SH   DFND 0 3,847 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 185 1,175 SH   SOLE 0 1,175 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 66 420 SH   DFND 0 420 0 0
PALO ALTO NETWORKS INC Com 697435105 1,410 2,854 SH   SOLE 0 2,854 0 0
PEPSICO INC Com 713448108 883 5,301 SH   SOLE 0 5,301 0 0
PEPSICO INC Com 713448108 1,218 7,307 SH   DFND 0 7,307 0 0
PFIZER INC Com 717081103 2,912 55,545 SH   SOLE 0 55,545 0 0
PFIZER INC Com 717081103 528 10,073 SH   DFND 0 10,073 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 306 3,102 SH   SOLE 0 3,102 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 455 4,613 SH   DFND 0 4,613 0 0
PHILLIPS 66 Com 718546104 279 3,407 SH   SOLE 0 3,407 0 0
PHILLIPS 66 Com 718546104 12 148 SH   DFND 0 148 0 0
PIMCO 15 YEAR US TIPS INDEX FUND Com 72201R304 249 3,826 SH   SOLE 0 3,826 0 0
PIONEER NATURAL RESOURCES Com 723787107 685 3,070 SH   SOLE 0 3,070 0 0
PROCTER & GAMBLE CO/THE Com 742718109 2,265 15,751 SH   SOLE 0 15,751 0 0
PROCTER & GAMBLE CO/THE Com 742718109 809 5,628 SH   DFND 0 5,628 0 0
PROLOGIS INC Com 74340W103 285 2,421 SH   SOLE 0 2,421 0 0
PROLOGIS INC Com 74340W103 115 980 SH   DFND 0 980 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106 632 9,989 SH   SOLE 0 9,989 0 0
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PUBLIC STORAGE Com 74460D109 72 230 SH   DFND 0 230 0 0
QUALCOMM INC Com 747525103 719 5,628 SH   SOLE 0 5,628 0 0
QUALCOMM INC Com 747525103 82 642 SH   DFND 0 642 0 0
ROPER TECHNOLOGIES INC Com 776696106 457 1,158 SH   SOLE 0 1,158 0 0
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SCHWAB (CHARLES) CORP Com 808513105 1,490 23,586 SH   SOLE 0 23,586 0 0
The Charles Schwab Corporation Pfd Stk 808513AP0 57 60,000 SH   SOLE 0 60,000 0 0
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UTILITIES SELECT SECTOR SPDR Com 81369Y886 2,150 30,655 SH   SOLE 0 30,655 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886 346 4,930 SH   DFND 0 4,930 0 0
SOUTHERN CO/THE Com 842587107 461 6,459 SH   SOLE 0 6,459 0 0
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STANLEY BLACK & DECKER INC Com 854502101 157 1,496 SH   SOLE 0 1,496 0 0
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STARBUCKS CORP Com 855244109 529 6,921 SH   SOLE 0 6,921 0 0
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STRYKER CORP Com 863667101 574 2,885 SH   SOLE 0 2,885 0 0
STRYKER CORP Com 863667101 85 425 SH   DFND 0 425 0 0
TJX COMPANIES INC Com 872540109 271 4,860 SH   SOLE 0 4,860 0 0
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3M CO Com 88579Y101 754 5,829 SH   SOLE 0 5,829 0 0
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UNITEDHEALTH GROUP INC Com 91324P102 1,016 1,978 SH   SOLE 0 1,978 0 0
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VF CORP Com 918204108 362 8,204 SH   SOLE 0 8,204 0 0
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