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
3M CO COM 88579Y101 199 1,350 SH   DFND   350 0 1,000
3M CO COM 88579Y101 280 1,900 SH   SOLE   1,900 0 0
ABBOTT LABS COM 002824100 238 2,026 SH   DFND   2,026 0 0
ABBOTT LABS COM 002824100 467 3,968 SH   SOLE   3,968 0 0
ABBVIE INC COM 00287Y109 651 4,011 SH   SOLE   4,011 0 0
ABBVIE INC COM 00287Y109 144 886 SH   DFND   886 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 18 55 SH   DFND   55 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 835 2,614 SH   SOLE   2,614 0 0
ACTIVISION BLIZZARD INC COM 00507V109 32 400 SH   DFND   400 0 0
ACTIVISION BLIZZARD INC COM 00507V109 292 3,695 SH   SOLE   3,695 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,057 2,514 SH   SOLE   2,514 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 21 50 SH   DFND   50 0 0
AIR PRODS & CHEMS INC COM 009158106 30 120 SH   DFND   120 0 0
AIR PRODS & CHEMS INC COM 009158106 1,383 5,601 SH   SOLE   5,601 0 0
ALLSTATE CORP COM 020002101 18 125 SH   DFND   125 0 0
ALLSTATE CORP COM 020002101 1,273 9,019 SH   SOLE   9,019 0 0
ALPHABET INC CAP STK CL A 02079K305 4,808 1,897 SH   SOLE   1,897 0 0
ALPHABET INC CAP STK CL A 02079K305 195 77 SH   DFND   77 0 0
ALPHABET INC CAP STK CL C 02079K107 366 144 SH   SOLE   144 0 0
AMAZON COM INC COM 023135106 3,626 1,195 SH   SOLE   1,195 0 0
AMAZON COM INC COM 023135106 61 20 SH   DFND   20 0 0
AMERICAN EXPRESS CO COM 025816109 7 41 SH   DFND   41 0 0
AMERICAN EXPRESS CO COM 025816109 407 2,248 SH   SOLE   2,248 0 0
AMERICAN TOWER CORP NEW COM 03027X100 223 873 SH   SOLE   873 0 0
AMGEN INC COM 031162100 675 2,657 SH   SOLE   2,657 0 0
APPLE INC COM 037833100 11,696 70,762 SH   SOLE   70,762 0 0
APPLE INC COM 037833100 707 4,277 SH   DFND   4,277 0 0
APPLIED MATLS INC COM 038222105 204 1,799 SH   SOLE   1,799 0 0
AUTODESK INC COM 052769106 791 4,020 SH   SOLE   4,020 0 0
AUTODESK INC COM 052769106 28 140 SH   DFND   140 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 418 1,824 SH   SOLE   1,824 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 172 752 SH   DFND   752 0 0
BADGER METER INC COM 056525108 546 5,823 SH   SOLE   5,823 0 0
BAXTER INTL INC COM 071813109 213 2,780 SH   SOLE   2,780 0 0
BAXTER INTL INC COM 071813109 4 50 SH   DFND   50 0 0
BECTON DICKINSON & CO COM 075887109 27 100 SH   DFND   100 0 0
BECTON DICKINSON & CO COM 075887109 595 2,190 SH   SOLE   2,190 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 48 140 SH   DFND   140 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 754 2,190 SH   SOLE   2,190 0 0
BK OF AMERICA CORP COM 060505104 2,149 57,194 SH   SOLE   57,194 0 0
BK OF AMERICA CORP COM 060505104 89 2,371 SH   DFND   2,371 0 0
BLACKROCK INC COM 09247X101 80 116 SH   DFND   116 0 0
BLACKROCK INC COM 09247X101 2,056 2,987 SH   SOLE   2,987 0 0
BOEING CO COM 097023105 5 26 SH   DFND   26 0 0
BOEING CO COM 097023105 494 2,717 SH   SOLE   2,717 0 0
BOOKING HOLDINGS INC COM 09857L108 617 277 SH   SOLE   277 0 0
BOOKING HOLDINGS INC COM 09857L108 11 5 SH   DFND   5 0 0
CANADIAN PAC RY LTD COM 13645T100 564 7,384 SH   SOLE   7,384 0 0
CAPITAL ONE FINL CORP COM 14040H105 393 2,962 SH   SOLE   2,962 0 0
CATERPILLAR INC COM 149123101 57 251 SH   DFND   251 0 0
CATERPILLAR INC COM 149123101 1,671 7,336 SH   SOLE   7,336 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 298 536 SH   SOLE   536 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 14 25 SH   DFND   25 0 0
CHEVRON CORP NEW COM 166764100 3,239 18,874 SH   SOLE   18,874 0 0
CHEVRON CORP NEW COM 166764100 267 1,557 SH   DFND   357 0 1,200
CISCO SYS INC COM 17275R102 352 6,871 SH   SOLE   6,871 0 0
CISCO SYS INC COM 17275R102 123 2,400 SH   DFND   2,400 0 0
CITIGROUP INC COM NEW 172967424 1,030 20,221 SH   SOLE   20,221 0 0
CITIGROUP INC COM NEW 172967424 33 654 SH   DFND   654 0 0
COLGATE PALMOLIVE CO COM 194162103 243 3,000 SH   DFND   0 0 3,000
COLGATE PALMOLIVE CO COM 194162103 8 100 SH   SOLE   100 0 0
CONOCOPHILLIPS COM 20825C104 1,336 13,183 SH   SOLE   13,183 0 0
CONOCOPHILLIPS COM 20825C104 16 160 SH   DFND   160 0 0
CONSTELLATION BRANDS INC CL A 21036P108 218 869 SH   SOLE   869 0 0
CONSTELLATION BRANDS INC CL A 21036P108 7 26 SH   DFND   26 0 0
COSTCO WHSL CORP NEW COM 22160K105 38 65 SH   DFND   65 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,212 3,746 SH   SOLE   3,746 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 24 125 SH   DFND   125 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 653 3,387 SH   SOLE   3,387 0 0
CUMMINS INC COM 231021106 20 100 SH   DFND   100 0 0
CUMMINS INC COM 231021106 825 4,211 SH   SOLE   4,211 0 0
DANAHER CORPORATION COM 235851102 196 709 SH   SOLE   709 0 0
DANAHER CORPORATION COM 235851102 166 599 SH   DFND   599 0 0
DATADOG INC CL A COM 23804L103 20 150 SH   DFND   150 0 0
DATADOG INC CL A COM 23804L103 1,148 8,438 SH   SOLE   8,438 0 0
DEERE & CO COM 244199105 58 132 SH   DFND   132 0 0
DEERE & CO COM 244199105 2,279 5,219 SH   SOLE   5,219 0 0
DIGITAL RLTY TR INC COM 253868103 210 1,451 SH   SOLE   1,451 0 0
DISNEY WALT CO COM 254687106 82 625 SH   DFND   625 0 0
DISNEY WALT CO COM 254687106 1,154 8,842 SH   SOLE   8,842 0 0
DOW INC COM 260557103 795 12,138 SH   SOLE   12,138 0 0
DOW INC COM 260557103 17 257 SH   DFND   257 0 0
EATON CORP PLC SHS G29183103 289 2,064 SH   SOLE   2,064 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 2,088 17,397 SH   SOLE   17,397 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 51 425 SH   DFND   425 0 0
EXXON MOBIL CORP COM 30231G102 525 5,974 SH   DFND   374 0 5,600
EXXON MOBIL CORP COM 30231G102 296 3,371 SH   SOLE   3,371 0 0
FEDEX CORP COM 31428X106 22 107 SH   DFND   107 0 0
FEDEX CORP COM 31428X106 848 4,124 SH   SOLE   4,124 0 0
FIRST HORIZON CORPORATION COM 320517105 201 8,705 SH   SOLE   8,705 0 0
GENERAL MLS INC COM 370334104 3,376 47,607 SH   DFND   0 0 47,607
GENERAL MLS INC COM 370334104 140 1,969 SH   SOLE   1,969 0 0
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479 304 6,360 SH   SOLE   6,360 0 0
HCA HEALTHCARE INC COM 40412C101 1,290 4,942 SH   SOLE   4,942 0 0
HCA HEALTHCARE INC COM 40412C101 50 190 SH   DFND   190 0 0
HOME DEPOT INC COM 437076102 1,629 5,349 SH   SOLE   5,349 0 0
HOME DEPOT INC COM 437076102 39 128 SH   DFND   128 0 0
HONEYWELL INTL INC COM 438516106 442 2,264 SH   SOLE   2,264 0 0
INTEL CORP COM 458140100 255 5,573 SH   SOLE   5,573 0 0
INTEL CORP COM 458140100 103 2,255 SH   DFND   2,255 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 206 1,630 SH   SOLE   1,630 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 6 46 SH   DFND   46 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 849 3,034 SH   SOLE   3,034 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 38 135 SH   DFND   135 0 0
ISHARES INC CORE MSCI EMKT 46434G103 158 2,900 SH   DFND   2,900 0 0
ISHARES INC MSCI EMRG CHN 46434G764 159 2,791 SH   DFND   2,791 0 0
ISHARES INC MSCI EMRG CHN 46434G764 1 11 SH   OTR   11 0 0
ISHARES INC CORE MSCI EMKT 46434G103 184 3,384 SH   SOLE   3,384 0 0
ISHARES INC MSCI EMRG CHN 46434G764 6,179 108,465 SH   SOLE   108,403 0 62
ISHARES TR S&P MC 400VL ETF 464287705 223 2,079 SH   SOLE   2,079 0 0
ISHARES TR S&P MC 400GR ETF 464287606 206 2,746 SH   SOLE   2,746 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,355 5,357 SH   SOLE   5,357 0 0
ISHARES TR RUS MID CAP ETF 464287499 625 8,150 SH   SOLE   8,150 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 60 300 SH   DFND   300 0 0
ISHARES TR SP SMCP600VL ETF 464287879 292 2,895 SH   SOLE   2,895 0 0
ISHARES TR CORE S&P SCP ETF 464287804 1,618 15,390 SH   SOLE   15,390 0 0
ISHARES TR NATIONAL MUN ETF 464288414 2,731 25,327 SH   SOLE   25,327 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 296 1,789 SH   SOLE   1,789 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 475 1,814 SH   SOLE   1,814 0 0
ISHARES TR NATIONAL MUN ETF 464288414 97 900 SH   DFND   900 0 0
ISHARES TR MSCI EAFE ETF 464287465 519 7,200 SH   DFND   7,200 0 0
ISHARES TR MSCI EAFE ETF 464287465 1,569 21,779 SH   SOLE   21,779 0 0
ISHARES TR S&P SML 600 GWT 464287887 428 3,551 SH   SOLE   3,551 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,266 6,363 SH   SOLE   6,363 0 0
ISHARES TR MSCI KLD400 SOC 464288570 3,382 40,816 SH   SOLE   40,816 0 0
ISHARES TR US TREAS BD ETF 46429B267 6,102 251,530 SH   SOLE   250,551 0 979
ISHARES TR MSCI EMG MKT ETF 464287234 537 12,130 SH   SOLE   12,130 0 0
ISHARES TR TIPS BD ETF 464287176 559 4,614 SH   SOLE   4,614 0 0
ISHARES TR CALIF MUN BD ETF 464288356 264 4,650 SH   DFND   4,650 0 0
ISHARES TR CORE MSCI EAFE 46432F842 2,563 37,660 SH   SOLE   37,660 0 0
ISHARES TR CORE S&P MCP ETF 464287507 466 1,780 SH   SOLE   1,780 0 0
ISHARES TR SELECT DIVID ETF 464287168 309 2,400 SH   SOLE   2,400 0 0
ISHARES TR US TREAS BD ETF 46429B267 110 4,516 SH   DFND   4,516 0 0
ISHARES TR US TREAS BD ETF 46429B267 7 301 SH   OTR   301 0 0
ISHARES TR U.S. TECH ETF 464287721 302 3,200 SH   SOLE   3,200 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 1,159 14,895 SH   SOLE   14,895 0 0
ISHARES TR JPMORGAN USD EMG 464288281 3 31 SH   OTR   31 0 0
ISHARES TR JPMORGAN USD EMG 464288281 3,722 39,722 SH   SOLE   39,603 0 119
ISHARES TR JPMORGAN USD EMG 464288281 102 1,092 SH   DFND   1,092 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 24,947 503,770 SH   SOLE   503,002 0 768
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 12 236 SH   OTR   236 0 0
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 392 7,923 SH   DFND   7,923 0 0
JOHNSON & JOHNSON COM 478160104 401 2,227 SH   DFND   627 0 1,600
JOHNSON & JOHNSON COM 478160104 2,465 13,702 SH   SOLE   13,702 0 0
JOHNSON CTLS INTL PLC SHS G51502105 351 5,708 SH   SOLE   5,708 0 0
JPMORGAN CHASE & CO COM 46625H100 152 1,204 SH   DFND   1,204 0 0
JPMORGAN CHASE & CO COM 46625H100 2,872 22,773 SH   SOLE   22,773 0 0
LAM RESEARCH CORP COM 512807108 2,427 5,320 SH   SOLE   5,320 0 0
LAM RESEARCH CORP COM 512807108 61 134 SH   DFND   134 0 0
LAUDER ESTEE COS INC CL A 518439104 961 3,641 SH   SOLE   3,641 0 0
LAUDER ESTEE COS INC CL A 518439104 58 219 SH   DFND   219 0 0
LENNAR CORP CL A 526057104 240 3,120 SH   SOLE   3,120 0 0
LENNAR CORP CL A 526057104 4 50 SH   DFND   50 0 0
LILLY ELI & CO COM 532457108 394 1,306 SH   SOLE   1,306 0 0
LOCKHEED MARTIN CORP COM 539830109 15 33 SH   DFND   33 0 0
LOCKHEED MARTIN CORP COM 539830109 1,286 2,750 SH   SOLE   2,750 0 0
LULULEMON ATHLETICA INC COM 550021109 12 30 SH   DFND   30 0 0
LULULEMON ATHLETICA INC COM 550021109 748 1,913 SH   SOLE   1,913 0 0
M & T BK CORP COM 55261F104 251 1,571 SH   SOLE   1,571 0 0
MARSH & MCLENNAN COS INC COM 571748102 233 1,375 SH   SOLE   1,375 0 0
MARSH & MCLENNAN COS INC COM 571748102 8 48 SH   DFND   48 0 0
MCDONALDS CORP COM 580135101 2,049 8,179 SH   SOLE   8,179 0 0
MCDONALDS CORP COM 580135101 41 165 SH   DFND   165 0 0
MEDTRONIC PLC SHS G5960L103 257 2,359 SH   SOLE   2,359 0 0
MERCK & CO INC COM 58933Y105 40 464 SH   DFND   464 0 0
MERCK & CO INC COM 58933Y105 1,564 17,991 SH   SOLE   17,991 0 0
META PLATFORMS INC CL A 30303M102 24 115 SH   DFND   115 0 0
META PLATFORMS INC CL A 30303M102 817 3,887 SH   SOLE   3,887 0 0
MICROSOFT CORP COM 594918104 9,562 34,172 SH   SOLE   34,172 0 0
MICROSOFT CORP COM 594918104 560 2,002 SH   DFND   2,002 0 0
MONDELEZ INTL INC CL A 609207105 64 1,000 SH   DFND   1,000 0 0
MONDELEZ INTL INC CL A 609207105 348 5,457 SH   SOLE   5,457 0 0
MORGAN STANLEY COM NEW 617446448 27 322 SH   DFND   322 0 0
MORGAN STANLEY COM NEW 617446448 1,095 12,917 SH   SOLE   12,917 0 0
NETFLIX INC COM 64110L106 19 55 SH   DFND   55 0 0
NETFLIX INC COM 64110L106 636 1,863 SH   SOLE   1,863 0 0
NEXTERA ENERGY INC COM 65339F101 17 200 SH   DFND   200 0 0
NEXTERA ENERGY INC COM 65339F101 981 11,841 SH   SOLE   11,841 0 0
NIKE INC CL B 654106103 33 250 SH   DFND   250 0 0
NIKE INC CL B 654106103 2,111 15,818 SH   SOLE   15,818 0 0
NORFOLK SOUTHN CORP COM 655844108 1,087 4,131 SH   SOLE   4,131 0 0
NORFOLK SOUTHN CORP COM 655844108 32 122 SH   DFND   122 0 0
NUCOR CORP COM 670346105 531 3,212 SH   SOLE   3,212 0 0
NUCOR CORP COM 670346105 15 92 SH   DFND   92 0 0
NVIDIA CORPORATION COM 67066G104 61 285 SH   DFND   285 0 0
NVIDIA CORPORATION COM 67066G104 3,044 14,320 SH   SOLE   14,320 0 0
OUTSET MED INC COM 690145107 1,830 41,718 SH   SOLE   41,718 0 0
PALO ALTO NETWORKS INC COM 697435105 1,560 2,489 SH   SOLE   2,489 0 0
PALO ALTO NETWORKS INC COM 697435105 34 55 SH   DFND   55 0 0
PARKER-HANNIFIN CORP COM 701094104 55 201 SH   DFND   201 0 0
PARKER-HANNIFIN CORP COM 701094104 1,817 6,634 SH   SOLE   6,634 0 0
PAYPAL HLDGS INC COM 70450Y103 564 5,516 SH   SOLE   5,516 0 0
PEPSICO INC COM 713448108 387 2,250 SH   DFND   1,250 0 1,000
PEPSICO INC COM 713448108 955 5,557 SH   SOLE   5,557 0 0
PFIZER INC COM 717081103 397 7,481 SH   SOLE   7,481 0 0
PFIZER INC COM 717081103 126 2,364 SH   DFND   0 0 2,364
PHILIP MORRIS INTL INC COM 718172109 184 1,806 SH   SOLE   1,806 0 0
PHILIP MORRIS INTL INC COM 718172109 66 650 SH   DFND   650 0 0
PHILLIPS 66 COM 718546104 810 9,780 SH   SOLE   9,780 0 0
PHILLIPS 66 COM 718546104 17 200 SH   DFND   200 0 0
PNC FINL SVCS GROUP INC COM 693475105 32 184 SH   DFND   184 0 0
PNC FINL SVCS GROUP INC COM 693475105 1,511 8,633 SH   SOLE   8,633 0 0
PPG INDS INC COM 693506107 984 7,674 SH   SOLE   7,674 0 0
PPG INDS INC COM 693506107 29 227 SH   DFND   227 0 0
PROCTER AND GAMBLE CO COM 742718109 510 3,215 SH   DFND   150 0 3,065
PROCTER AND GAMBLE CO COM 742718109 1,034 6,522 SH   SOLE   6,522 0 0
PROLOGIS INC. COM 74340W103 694 4,268 SH   SOLE   4,268 0 0
PROLOGIS INC. COM 74340W103 51 311 SH   DFND   311 0 0
PUBLIC STORAGE COM 74460D109 330 808 SH   SOLE   808 0 0
PUBLIC STORAGE COM 74460D109 14 34 SH   DFND   34 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 15 203 SH   DFND   203 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 396 5,441 SH   SOLE   5,441 0 0
QUALCOMM INC COM 747525103 300 2,192 SH   SOLE   2,192 0 0
QUALCOMM INC COM 747525103 5 35 SH   DFND   35 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 146 1,398 SH   SOLE   1,398 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 94 900 SH   DFND   900 0 0
REGENERON PHARMACEUTICALS COM 75886F107 342 467 SH   SOLE   467 0 0
SALESFORCE COM INC COM 79466L302 38 200 SH   DFND   200 0 0
SALESFORCE COM INC COM 79466L302 1,169 6,173 SH   SOLE   6,173 0 0
SERVICENOW INC COM 81762P102 28 55 SH   DFND   55 0 0
SERVICENOW INC COM 81762P102 1,349 2,659 SH   SOLE   2,659 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 481 1,099 SH   SOLE   1,099 0 0
STARBUCKS CORP COM 855244109 880 11,067 SH   SOLE   11,067 0 0
STARBUCKS CORP COM 855244109 22 275 SH   DFND   275 0 0
STRYKER CORPORATION COM 863667101 118 450 SH   DFND   450 0 0
STRYKER CORPORATION COM 863667101 1,337 5,108 SH   SOLE   5,108 0 0
TARGET CORP COM 87612E106 1,253 5,282 SH   SOLE   5,282 0 0
TARGET CORP COM 87612E106 50 210 SH   DFND   210 0 0
TEXAS INSTRS INC COM 882508104 405 2,335 SH   SOLE   2,335 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 57 100 SH   DFND   100 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 2,170 3,814 SH   SOLE   3,814 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 325 4,369 SH   SOLE   4,369 0 0
TRUIST FINL CORP COM 89832Q109 357 6,849 SH   SOLE   6,849 0 0
TYSON FOODS INC CL A 902494103 10 108 SH   DFND   108 0 0
TYSON FOODS INC CL A 902494103 558 5,841 SH   SOLE   5,841 0 0
UNION PAC CORP COM 907818108 367 1,490 SH   DFND   27 0 1,463
UNION PAC CORP COM 907818108 1,142 4,637 SH   SOLE   4,637 0 0
UNITED RENTALS INC COM 911363109 1,476 4,459 SH   SOLE   4,459 0 0
UNITED RENTALS INC COM 911363109 42 128 SH   DFND   128 0 0
UNITEDHEALTH GROUP INC COM 91324P102 86 160 SH   DFND   160 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,842 5,313 SH   SOLE   5,313 0 0
UNITY SOFTWARE INC COM 91332U101 569 6,386 SH   SOLE   6,386 0 0
UNITY SOFTWARE INC COM 91332U101 9 100 SH   DFND   100 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 221 950 SH   DFND   950 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 128 550 SH   SOLE   550 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 502 4,621 SH   SOLE   4,621 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 241 5,298 SH   SOLE   5,298 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 259 5,500 SH   SOLE   5,500 0 0
VEEVA SYS INC CL A COM 922475108 427 2,228 SH   SOLE   2,228 0 0
VEEVA SYS INC CL A COM 922475108 11 55 SH   DFND   55 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,248 23,185 SH   SOLE   22,862 0 323
VERIZON COMMUNICATIONS INC COM 92343V104 32 591 SH   DFND   591 0 0
VISA INC COM CL A 92826C839 43 200 SH   DFND   200 0 0
VISA INC COM CL A 92826C839 2,068 9,719 SH   SOLE   9,719 0 0
WALMART INC COM 931142103 260 1,654 SH   SOLE   1,654 0 0
ZIONS BANCORPORATION N A COM 989701107 45 720 SH   DFND   720 0 0
ZIONS BANCORPORATION N A COM 989701107 1,579 25,097 SH   SOLE   25,097 0 0