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
ABBOTT LABS COM 002824100   701,997 6,394 SH   SOLE   6,394 0 0
ABBOTT LABS COM 002824100   3,002,866 27,351 SH   DFND 6 0 27,351 0
ABBOTT LABS COM 002824100   737,679 6,719 SH   DFND 5 0 6,719 0
ABBOTT LABS COM 002824100   121,318 1,105 SH   DFND 7 0 1,105 0
ABBOTT LABS COM 002824100   21,958 200 SH   DFND 1 0 200 0
ABBVIE COM 00287Y109   16,161 100 SH   SOLE   100 0 0
ABBVIE COM 00287Y109   1,664,583 10,300 SH   DFND 6 0 10,300 0
ADVANCED MICRO DEVICES INC COM 007903107   367,246 5,670 SH   SOLE   5,670 0 0
ADVANCED MICRO DEVICES INC COM 007903107   899,914 13,894 SH   DFND 6 0 13,894 0
ADVANCED MICRO DEVICES INC COM 007903107   411,937 6,360 SH   DFND 5 0 6,360 0
ADVANCED MICRO DEVICES INC COM 007903107   75,198 1,161 SH   DFND 7 0 1,161 0
ADVANCED MICRO DEVICES INC COM 007903107   15,156 234 SH   DFND 1 0 234 0
ALPHABET INC CL A COM 02079K305   538,203 6,100 SH   SOLE   6,100 0 0
ALPHABET INC CL A COM 02079K305   1,875,770 21,260 SH   DFND 6 0 21,260 0
ALPHABET INC CL A COM 02079K305   577,730 6,548 SH   DFND 5 0 6,548 0
ALPHABET INC CL A COM 02079K305   105,876 1,200 SH   DFND 7 0 1,200 0
ALPHABET INC CL A COM 02079K305   17,646 200 SH   DFND 1 0 200 0
AMAZON.COM COM 023135106   316,680 3,770 SH   SOLE   3,770 0 0
AMAZON.COM COM 023135106   722,820 8,605 SH   DFND 6 0 8,605 0
AMAZON.COM COM 023135106   357,840 4,260 SH   DFND 5 0 4,260 0
AMAZON.COM COM 023135106   58,800 700 SH   DFND 7 0 700 0
AMAZON.COM COM 023135106   11,760 140 SH   DFND 1 0 140 0
ANALOG DEVICES COM 032654105   615,112 3,750 SH   SOLE   3,750 0 0
ANALOG DEVICES COM 032654105   1,934,734 11,795 SH   DFND 6 0 11,795 0
ANALOG DEVICES COM 032654105   729,605 4,448 SH   DFND 5 0 4,448 0
ANALOG DEVICES COM 032654105   134,505 820 SH   DFND 7 0 820 0
ANALOG DEVICES COM 032654105   20,504 125 SH   DFND 1 0 125 0
APPLE INC COM 037833100   708,768 5,455 SH   SOLE   5,455 0 0
APPLE INC COM 037833100   3,121,178 24,022 SH   DFND 6 0 24,022 0
APPLE INC COM 037833100   736,703 5,670 SH   DFND 5 0 5,670 0
APPLE INC COM 037833100   137,726 1,060 SH   DFND 7 0 1,060 0
APPLE INC COM 037833100   29,234 225 SH   DFND 1 0 225 0
APTARGROUP COM 038336103   477,973 4,346 SH   SOLE   4,346 0 0
APTARGROUP COM 038336103   2,755,989 25,059 SH   DFND 6 0 25,059 0
APTARGROUP COM 038336103   532,743 4,844 SH   DFND 5 0 4,844 0
APTARGROUP COM 038336103   96,232 875 SH   DFND 7 0 875 0
APTARGROUP COM 038336103   21,996 200 SH   DFND 1 0 200 0
AUTOMATIC DATA PROCESSING COM 053015103   820,006 3,433 SH   SOLE   3,433 0 0
AUTOMATIC DATA PROCESSING COM 053015103   3,944,773 16,515 SH   DFND 6 0 16,515 0
AUTOMATIC DATA PROCESSING COM 053015103   777,250 3,254 SH   DFND 5 0 3,254 0
AUTOMATIC DATA PROCESSING COM 053015103   150,482 630 SH   DFND 7 0 630 0
AUTOMATIC DATA PROCESSING COM 053015103   33,440 140 SH   DFND 1 0 140 0
BECTON DICKINSON COM 075887109   194,539 765 SH   SOLE   765 0 0
BECTON DICKINSON COM 075887109   729,332 2,868 SH   DFND 6 0 2,868 0
BECTON DICKINSON COM 075887109   19,072 75 SH   DFND 7 0 75 0
BECTON DICKINSON COM 075887109   10,172 40 SH   DFND 1 0 40 0
BECTON DICKINSON COM 075887109   133,507 525 SH   DFND 5 0 525 0
BERKSHIRE HATHAWAY CL B COM 084670702   106,570 345 SH   SOLE   345 0 0
BERKSHIRE HATHAWAY CL B COM 084670702   494,240 1,600 SH   DFND 6 0 1,600 0
CANADIAN NATL RAILWAY COM 136375102   743,119 6,251 SH   SOLE   6,251 0 0
CANADIAN NATL RAILWAY COM 136375102   3,406,506 28,655 SH   DFND 6 0 28,655 0
CANADIAN NATL RAILWAY COM 136375102   677,259 5,697 SH   DFND 5 0 5,697 0
CANADIAN NATL RAILWAY COM 136375102   130,768 1,100 SH   DFND 7 0 1,100 0
CANADIAN NATL RAILWAY COM 136375102   31,503 265 SH   DFND 1 0 265 0
CHEVRON COM 166764100   372,442 2,075 SH   SOLE   2,075 0 0
CHEVRON COM 166764100   1,478,998 8,240 SH   DFND 6 0 8,240 0
CHEVRON COM 166764100   651,728 3,631 SH   DFND 5 0 3,631 0
CHEVRON COM 166764100   26,923 150 SH   DFND 7 0 150 0
CHEVRON COM 166764100   8,974 50 SH   DFND 1 0 50 0
CHUBB LIMITED COM H1467J104   220,600 1,000 SH   DFND 6 0 1,000 0
CHURCH & DWIGHT COM 171340102   201,525 2,500 SH   DFND 6 0 2,500 0
CVS HEALTH COM 126650100   354,122 3,800 SH   SOLE   3,800 0 0
CVS HEALTH COM 126650100   2,554,990 27,417 SH   DFND 6 0 27,417 0
CVS HEALTH COM 126650100   34,760 373 SH   DFND 5 0 373 0
CVS HEALTH COM 126650100   6,989 75 SH   DFND 1 0 75 0
CVS HEALTH COM 126650100   20,968 225 SH   DFND 7 0 225 0
DANAHER CORP COM 235851102   621,879 2,343 SH   SOLE   2,343 0 0
DANAHER CORP COM 235851102   2,321,629 8,747 SH   DFND 6 0 8,747 0
DANAHER CORP COM 235851102   676,556 2,549 SH   DFND 5 0 2,549 0
DANAHER CORP COM 235851102   135,364 510 SH   DFND 7 0 510 0
DANAHER CORP COM 235851102   30,523 115 SH   DFND 1 0 115 0
DISNEY COM 254687106   223,195 2,569 SH   SOLE   2,569 0 0
DISNEY COM 254687106   280,101 3,224 SH   DFND 6 0 3,224 0
DISNEY COM 254687106   137,879 1,587 SH   DFND 5 0 1,587 0
DISNEY COM 254687106   28,236 325 SH   DFND 7 0 325 0
DOMINION RES INC COM 25746U109   209,224 3,412 SH   DFND 6 0 3,412 0
EDWARDS LIFESCIENCES COM 28176E108   131,687 1,765 SH   SOLE   1,765 0 0
EDWARDS LIFESCIENCES COM 28176E108   68,268 915 SH   DFND 5 0 915 0
EDWARDS LIFESCIENCES COM 28176E108   2,984 40 SH   DFND 1 0 40 0
EMERSON ELECTRIC COM 291011104   14,409 150 SH   SOLE   150 0 0
EMERSON ELECTRIC COM 291011104   384,240 4,000 SH   DFND 6 0 4,000 0
EXXON MOBIL COM 30231G102   77,210 700 SH   SOLE   700 0 0
EXXON MOBIL COM 30231G102   2,393,510 21,700 SH   DFND 6 0 21,700 0
EXXON MOBIL COM 30231G102   85,152 772 SH   DFND 7 0 772 0
EXXON MOBIL COM 30231G102   38,605 350 SH   DFND 1 0 350 0
FISERV COM 337738108   555,380 5,495 SH   SOLE   5,495 0 0
FISERV COM 337738108   2,274,378 22,503 SH   DFND 6 0 22,503 0
FISERV COM 337738108   565,082 5,591 SH   DFND 5 0 5,591 0
FISERV COM 337738108   117,747 1,165 SH   DFND 7 0 1,165 0
FISERV COM 337738108   20,214 200 SH   DFND 1 0 200 0
GENERAL MILLS COM 370334104   1,415,807 16,885 SH   DFND 6 0 16,885 0
HOME DEPOT COM 437076102   488,004 1,545 SH   SOLE   1,545 0 0
HOME DEPOT COM 437076102   1,979,810 6,268 SH   DFND 6 0 6,268 0
HOME DEPOT COM 437076102   648,461 2,053 SH   DFND 5 0 2,053 0
HOME DEPOT COM 437076102   110,551 350 SH   DFND 7 0 350 0
HOME DEPOT COM 437076102   12,634 40 SH   DFND 1 0 40 0
HONEYWELL INTL COM 438516106   217,514 1,015 SH   SOLE   1,015 0 0
HONEYWELL INTL COM 438516106   1,098,287 5,125 SH   DFND 6 0 5,125 0
HONEYWELL INTL COM 438516106   178,940 835 SH   DFND 5 0 835 0
HONEYWELL INTL COM 438516106   120,008 560 SH   DFND 7 0 560 0
HONEYWELL INTL COM 438516106   17,144 80 SH   DFND 1 0 80 0
ILLUMINA COM 452327109   126,375 625 SH   SOLE   625 0 0
ILLUMINA COM 452327109   310,377 1,535 SH   DFND 6 0 1,535 0
ILLUMINA COM 452327109   261,445 1,293 SH   DFND 5 0 1,293 0
ILLUMINA COM 452327109   4,044 20 SH   DFND 7 0 20 0
INTEL CORP COM 458140100   5,286 200 SH   SOLE   200 0 0
INTEL CORP COM 458140100   629,034 23,800 SH   DFND 6 0 23,800 0
JOHNSON & JOHNSON COM 478160104   666,324 3,772 SH   SOLE   3,772 0 0
JOHNSON & JOHNSON COM 478160104   3,208,317 18,162 SH   DFND 6 0 18,162 0
JOHNSON & JOHNSON COM 478160104   629,227 3,562 SH   DFND 5 0 3,562 0
JOHNSON & JOHNSON COM 478160104   150,152 850 SH   DFND 7 0 850 0
JOHNSON & JOHNSON COM 478160104   30,914 175 SH   DFND 1 0 175 0
MASTERCARD COM 57636Q104   743,447 2,138 SH   SOLE   2,138 0 0
MASTERCARD COM 57636Q104   3,206,418 9,221 SH   DFND 6 0 9,221 0
MASTERCARD COM 57636Q104   730,581 2,101 SH   DFND 5 0 2,101 0
MASTERCARD COM 57636Q104   133,876 385 SH   DFND 7 0 385 0
MASTERCARD COM 57636Q104   27,818 80 SH   DFND 1 0 80 0
MEDTRONIC COM G5960L103   212,176 2,730 SH   SOLE   2,730 0 0
MEDTRONIC COM G5960L103   294,403 3,788 SH   DFND 6 0 3,788 0
MEDTRONIC COM G5960L103   115,958 1,492 SH   DFND 5 0 1,492 0
MEDTRONIC COM G5960L103   26,813 345 SH   DFND 7 0 345 0
MEDTRONIC COM G5960L103   7,772 100 SH   DFND 1 0 100 0
MESOBLAST LIMITED COM 590717104   5,820 2,000 SH   SOLE   2,000 0 0
MESOBLAST LIMITED COM 590717104   64,020 22,000 SH   DFND 6 0 22,000 0
MICROSOFT CORP COM 594918104   610,342 2,545 SH   SOLE   2,545 0 0
MICROSOFT CORP COM 594918104   2,513,314 10,480 SH   DFND 6 0 10,480 0
MICROSOFT CORP COM 594918104   646,315 2,695 SH   DFND 5 0 2,695 0
MICROSOFT CORP COM 594918104   127,105 530 SH   DFND 7 0 530 0
MICROSOFT CORP COM 594918104   27,579 115 SH   DFND 1 0 115 0
NESTLE SA ADR COM 641069406   602,305 5,222 SH   SOLE   5,222 0 0
NESTLE SA ADR COM 641069406   3,058,471 26,517 SH   DFND 6 0 26,517 0
NESTLE SA ADR COM 641069406   687,888 5,964 SH   DFND 5 0 5,964 0
NESTLE SA ADR COM 641069406   98,039 850 SH   DFND 7 0 850 0
NESTLE SA ADR COM 641069406   28,835 250 SH   DFND 1 0 250 0
NIKE INC CLASS B COM 654106103   315,927 2,700 SH   SOLE   2,700 0 0
NIKE INC CLASS B COM 654106103   395,845 3,383 SH   DFND 6 0 3,383 0
NIKE INC CLASS B COM 654106103   247,359 2,114 SH   DFND 5 0 2,114 0
NIKE INC CLASS B COM 654106103   36,858 315 SH   DFND 7 0 315 0
NIKE INC CLASS B COM 654106103   11,701 100 SH   DFND 1 0 100 0
NORFOLK SOUTHERN COM 655844108   628,371 2,550 SH   DFND 6 0 2,550 0
NOVARTIS AG ADR COM 66987V109   508,213 5,602 SH   SOLE   5,602 0 0
NOVARTIS AG ADR COM 66987V109   2,025,415 22,326 SH   DFND 6 0 22,326 0
NOVARTIS AG ADR COM 66987V109   349,091 3,848 SH   DFND 5 0 3,848 0
NOVARTIS AG ADR COM 66987V109   38,556 425 SH   DFND 7 0 425 0
NOVARTIS AG ADR COM 66987V109   22,680 250 SH   DFND 1 0 250 0
NOVO NORDISK A S ADR COM 670100205   10,150 75 SH   SOLE   75 0 0
NOVO NORDISK A S ADR COM 670100205   1,392,649 10,290 SH   DFND 6 0 10,290 0
NOVOZYMES A S DKK 2.0 COM B798FW902   3,787 75 SH   SOLE   75 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902   252,488 5,000 SH   DFND 6 0 5,000 0
NOVOZYMES A S DKK 2.0 COM B798FW902   75,746 1,500 SH   DFND 5 0 1,500 0
NVIDIA CORP COM 67066G104   166,892 1,142 SH   SOLE   1,142 0 0
NVIDIA CORP COM 67066G104   607,212 4,155 SH   DFND 6 0 4,155 0
NVIDIA CORP COM 67066G104   107,705 737 SH   DFND 5 0 737 0
NVIDIA CORP COM 67066G104   24,113 165 SH   DFND 7 0 165 0
NVIDIA CORP COM 67066G104   8,768 60 SH   DFND 1 0 60 0
PAYPAL HOLDINGS COM 70450Y103   198,704 2,790 SH   SOLE   2,790 0 0
PAYPAL HOLDINGS COM 70450Y103   113,881 1,599 SH   DFND 6 0 1,599 0
PAYPAL HOLDINGS COM 70450Y103   223,488 3,138 SH   DFND 5 0 3,138 0
PAYPAL HOLDINGS COM 70450Y103   12,107 170 SH   DFND 7 0 170 0
PEPSICO COM 713448108   324,285 1,795 SH   SOLE   1,795 0 0
PEPSICO COM 713448108   1,680,138 9,300 SH   DFND 6 0 9,300 0
PEPSICO COM 713448108   47,875 265 SH   DFND 7 0 265 0
PEPSICO COM 713448108   27,099 150 SH   DFND 1 0 150 0
PFIZER COM 717081103   10,248 200 SH   SOLE   200 0 0
PFIZER COM 717081103   691,740 13,500 SH   DFND 6 0 13,500 0
PROCTER & GAMBLE COM 742718109   622,154 4,105 SH   SOLE   4,105 0 0
PROCTER & GAMBLE COM 742718109   3,535,440 23,327 SH   DFND 6 0 23,327 0
PROCTER & GAMBLE COM 742718109   706,724 4,663 SH   DFND 5 0 4,663 0
PROCTER & GAMBLE COM 742718109   127,310 840 SH   DFND 7 0 840 0
PROCTER & GAMBLE COM 742718109   34,101 225 SH   DFND 1 0 225 0
RAYTHEON TECHNOLOGIES COM 75513E101   576,556 5,713 SH   SOLE   5,713 0 0
RAYTHEON TECHNOLOGIES COM 75513E101   1,426,908 14,139 SH   DFND 6 0 14,139 0
RAYTHEON TECHNOLOGIES COM 75513E101   740,248 7,335 SH   DFND 5 0 7,335 0
RAYTHEON TECHNOLOGIES COM 75513E101   143,811 1,425 SH   DFND 7 0 1,425 0
RAYTHEON TECHNOLOGIES COM 75513E101   25,230 250 SH   DFND 1 0 250 0
ROCKWELL AUTOMATION COM 773903109   633,622 2,460 SH   SOLE   2,460 0 0
ROCKWELL AUTOMATION COM 773903109   2,421,931 9,403 SH   DFND 6 0 9,403 0
ROCKWELL AUTOMATION COM 773903109   633,107 2,458 SH   DFND 5 0 2,458 0
ROCKWELL AUTOMATION COM 773903109   123,634 480 SH   DFND 7 0 480 0
ROCKWELL AUTOMATION COM 773903109   9,015 35 SH   DFND 1 0 35 0
TJX COS COM 872540109   476,008 5,980 SH   SOLE   5,980 0 0
TJX COS COM 872540109   1,456,680 18,300 SH   DFND 6 0 18,300 0
TJX COS COM 872540109   402,378 5,055 SH   DFND 5 0 5,055 0
TJX COS COM 872540109   112,236 1,410 SH   DFND 7 0 1,410 0
TJX COS COM 872540109   15,920 200 SH   DFND 1 0 200 0
UNILEVER PLC NEW ADR COM 904767704   80,560 1,600 SH   SOLE   1,600 0 0
UNILEVER PLC NEW ADR COM 904767704   648,105 12,872 SH   DFND 6 0 12,872 0
UNION PACIFIC COM 907818108   1,033,693 4,992 SH   DFND 6 0 4,992 0
UNITED HEALTH GROUP COM 91324P102   447,472 844 SH   SOLE   844 0 0
UNITED HEALTH GROUP COM 91324P102   1,083,688 2,044 SH   DFND 6 0 2,044 0
UNITED HEALTH GROUP COM 91324P102   551,387 1,040 SH   DFND 5 0 1,040 0
UNITED HEALTH GROUP COM 91324P102   100,734 190 SH   DFND 7 0 190 0
UNITED HEALTH GROUP COM 91324P102   21,207 40 SH   DFND 1 0 40 0
XYLEM INC COM 98419M100   487,614 4,410 SH   SOLE   4,410 0 0
XYLEM INC COM 98419M100   1,144,952 10,355 SH   DFND 6 0 10,355 0
XYLEM INC COM 98419M100   566,892 5,127 SH   DFND 5 0 5,127 0
XYLEM INC COM 98419M100   97,854 885 SH   DFND 7 0 885 0