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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
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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 LABORATORIES Equities 002824100   781,095 8,065 SH   DFND   8,065 0 0
ABBOTT LABORATORIES Equities 002824100   609,574 6,294 SH   SOLE   6,269 0 25
ABBVIE INC Equities 00287Y109   1,198,442 8,040 SH   DFND   8,040 0 0
ABBVIE INC Equities 00287Y109   860,971 5,776 SH   SOLE   5,742 0 34
ACCENTURE PLC A Equities G1151C101   408,763 1,331 SH   SOLE   1,331 0 0
ADOBE INC Equities 00724F101   5,099 10 SH   DFND   10 0 0
ADOBE INC Equities 00724F101   351,831 690 SH   SOLE   682 0 8
ALPHABET INC CAP STK CLASS C Equities 02079K107   10,548 80 SH   DFND   80 0 0
ALPHABET INC CAP STK CLASS C Equities 02079K107   1,109,913 8,418 SH   SOLE   8,371 0 47
ALPHABET INC CLASS A Equities 02079K305   10,469 80 SH   DFND   80 0 0
ALPHABET INC CLASS A Equities 02079K305   768,279 5,871 SH   SOLE   5,824 0 47
AMAZON.COM INC Equities 023135106   17,797 140 SH   DFND   140 0 0
AMAZON.COM INC Equities 023135106   1,142,300 8,986 SH   SOLE   8,941 0 45
AMERICAN EXPRESS COMMON Equities 025816109   354,326 2,375 SH   DFND   2,375 0 0
AMERICAN EXPRESS COMMON Equities 025816109   211,104 1,415 SH   SOLE   1,415 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   166,818 506 SH   DFND   506 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   205,391 623 SH   SOLE   616 0 7
AON PLC Equities G0403H108   502,217 1,549 SH   SOLE   1,549 0 0
APOLLO GLOBAL MGMT INC Equities 03769M106   318,020 3,543 SH   SOLE   3,543 0 0
APPLE INC COMMON Equities 037833100   24,312 142 SH   DFND   142 0 0
APPLE INC COMMON Equities 037833100   3,030,075 17,698 SH   SOLE   17,612 0 86
APPLIED MATERIALS INC Equities 038222105   328,403 2,372 SH   SOLE   2,372 0 0
ARCH CAPITAL GROUP LTD Equities G0450A105   217,768 2,732 SH   SOLE   2,732 0 0
ARCHER DANIELS MIDLAND CO Equities 039483102   98,125,870 1,301,059 SH   SOLE   1,301,059 0 0
AT&T INC Equities 00206R102   8,216 547 SH   DFND   547 0 0
AT&T INC Equities 00206R102   363,649 24,211 SH   SOLE   24,076 0 135
AUTOMATIC DATA PROCESSING INC Equities 053015103   96,232 400 SH   DFND   400 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   642,349 2,670 SH   SOLE   2,670 0 0
BANK AMER CORP COMMON Equities 060505104   310,927 11,356 SH   SOLE   11,356 0 0
BERKSHIRE HATHAWAY INC DEL CLAS Equities 084670702   753,145 2,150 SH   SOLE   2,150 0 0
BROADCOM INC Equities 11135F101   9,136 11 SH   DFND   11 0 0
BROADCOM INC Equities 11135F101   270,769 326 SH   SOLE   321 0 5
CAPITAL ONE FINL CORP COMMON Equities 14040H105   246,410 2,539 SH   SOLE   2,539 0 0
CATERPILLAR INC. Equities 149123101   6,825 25 SH   DFND   25 0 0
CATERPILLAR INC. Equities 149123101   216,762 794 SH   SOLE   783 0 11
CHEVRON CORP Equities 166764100   464,042 2,752 SH   SOLE   2,745 0 7
CISCO SYSTEMS INC Equities 17275R102   153,646 2,858 SH   DFND   2,858 0 0
CISCO SYSTEMS INC Equities 17275R102   741,942 13,801 SH   SOLE   13,700 0 101
COCA-COLA CO Equities 191216100   727,740 13,000 SH   DFND   13,000 0 0
COCA-COLA CO Equities 191216100   619,587 11,068 SH   SOLE   11,068 0 0
COMCAST CORP NEW CL A Equities 20030N101   323,638 7,299 SH   SOLE   7,299 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   7,344 13 SH   DFND   13 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   303,384 537 SH   SOLE   531 0 6
DANAHER CORP COMMON Equities 235851102   324,019 1,306 SH   SOLE   1,306 0 0
DELL TECHNOLOGIES INC Equities 24703L202   250,796 3,640 SH   SOLE   3,640 0 0
EATON CORP PLC Equities G29183103   314,588 1,475 SH   SOLE   1,465 0 10
EXXON MOBIL CORP Equities 30231G102   1,352,170 11,500 SH   DFND   11,500 0 0
EXXON MOBIL CORP Equities 30231G102   639,400 5,438 SH   SOLE   5,438 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805   288,077 6,850 SH   DFND   6,850 0 0
GENERAL ELECTRIC CO Equities 369604301   248,738 2,250 SH   DFND   2,250 0 0
GENERAL ELECTRIC CO Equities 369604301   292,073 2,642 SH   SOLE   2,642 0 0
HUBBELL INC NPV Equities 443510607   791,360 2,525 SH   DFND   2,525 0 0
INTEL CORP Equities 458140100   4,550 128 SH   DFND   128 0 0
INTEL CORP Equities 458140100   844,064 23,743 SH   SOLE   23,657 0 86
INTERCONTINENTALEXCHANGE GROUP Equities 45866F104   204,860 1,859 SH   SOLE   1,859 0 0
INVESCO AC VAR ETF Equities 46090A879   261,370 10,478 SH   DFND   10,478 0 0
INVESCO AC VAR ETF Equities 46090A879   13,097,661 525,070 SH   SOLE   521,553 0 3,517
INVESCO QQQ TRUST SERIES 1 Equities 46090E103   336,057 938 SH   SOLE   938 0 0
ISHARES AAA-A RATED CORP BOND E Equities 46429B291   716,772 15,900 SH   SOLE   15,900 0 0
ISHARES AGENCY BOND ETF Equities 464288166   2,437,121 23,035 SH   SOLE   23,035 0 0
ISHARES CORE MSCI EMERG MARKTET Equities 46434G103   750,209 15,764 SH   SOLE   15,764 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   1,628,399 3,792 SH   SOLE   3,792 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   709,928 7,526 SH   DFND   7,526 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   13,065,554 138,509 SH   SOLE   138,111 0 398
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   648,500 6,896 SH   DFND   6,896 0 0
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   39,367,025 418,620 SH   SOLE   416,266 0 2,354
ISHARES GLBL MAT ETF Equities 464288695   497,917 6,343 SH   SOLE   6,343 0 0
ISHARES GLOBAL CONSUMER DISCR E Equities 464288745   455,655 3,109 SH   SOLE   3,109 0 0
ISHARES GNMA BOND ETF Equities 46429B333   2,313,776 55,380 SH   SOLE   55,380 0 0
ISHARES MSCI EAFE Equities 464287465   59,960 870 SH   DFND   870 0 0
ISHARES MSCI EAFE Equities 464287465   943,101 13,684 SH   SOLE   13,684 0 0
ISHARES MSCI EMERG Equities 464287234   29,335 773 SH   DFND   773 0 0
ISHARES MSCI EMERG Equities 464287234   443,446 11,685 SH   SOLE   11,685 0 0
ISHARES RUSSELL 1000 VALUE Equities 464287598   568,262 3,743 SH   SOLE   3,743 0 0
ISHARES RUSSELL 2000 Equities 464287655   73,877 418 SH   DFND   418 0 0
ISHARES RUSSELL 2000 Equities 464287655   1,586,948 8,979 SH   SOLE   8,979 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   54,736 800 SH   DFND   800 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   328,348 4,799 SH   SOLE   4,799 0 0
ISHARES S&P GLO INDS Equities 464288729   519,846 4,600 SH   SOLE   4,600 0 0
ISHARES S&P GLOB TECH SECTOR ID Equities 464287291   514,487 8,895 SH   SOLE   8,895 0 0
ISHARES S&P GLOBAL FINANCIALS I Equities 464287333   505,089 7,170 SH   SOLE   7,170 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   190,849 3,830 SH   DFND   3,830 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   166,931 3,350 SH   SOLE   3,350 0 0
ISHARES TR MSCI Equities 464288257   1,391,092 15,060 SH   SOLE   15,060 0 0
ISHARES TR S&P MIDCAP 400 INDEX Equities 464287507   353,080 1,416 SH   SOLE   1,416 0 0
ISHS INTL SEL DV ETF Equities 464288448   356,133 14,021 SH   DFND   14,021 0 0
ISHS INTL SEL DV ETF Equities 464288448   2,833,472 111,554 SH   SOLE   105,155 0 6,399
JOHNSON & JOHNSON Equities 478160104   940,419 6,038 SH   DFND   6,038 0 0
JOHNSON & JOHNSON Equities 478160104   650,568 4,177 SH   SOLE   4,162 0 15
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   481,284 10,580 SH   DFND   10,580 0 0
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   11,704,122 257,290 SH   SOLE   255,896 0 1,394
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   206,491 4,115 SH   DFND   4,115 0 0
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   231,330 4,610 SH   SOLE   4,610 0 0
JPMORGAN CHASE & CO Equities 46625H100   10,151 70 SH   DFND   70 0 0
JPMORGAN CHASE & CO Equities 46625H100   977,725 6,742 SH   SOLE   6,728 0 14
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   655,547 12,994 SH   DFND   12,994 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   8,579,880 170,067 SH   SOLE   170,067 0 0
KROGER CO Equities 501044101   474,082 10,594 SH   SOLE   10,594 0 0
LILLY ELI & COMMON Equities 532457108   7,520 14 SH   DFND   14 0 0
LILLY ELI & COMMON Equities 532457108   849,203 1,581 SH   SOLE   1,573 0 8
MASTERCARD CL A Equities 57636Q104   5,939 15 SH   DFND   15 0 0
MASTERCARD CL A Equities 57636Q104   507,953 1,283 SH   SOLE   1,283 0 0
MCDONALDS CORP COMMON Equities 580135101   213,123 809 SH   SOLE   809 0 0
MERCK & CO INC NEW Equities 58933Y105   625,421 6,075 SH   DFND   6,075 0 0
MERCK & CO INC NEW Equities 58933Y105   964,642 9,370 SH   SOLE   9,346 0 24
META PLATFORMS INC. Equities 30303M102   8,706 29 SH   DFND   29 0 0
META PLATFORMS INC. Equities 30303M102   886,820 2,954 SH   SOLE   2,928 0 26
MICROSOFT CORP Equities 594918104   61,571 195 SH   DFND   195 0 0
MICROSOFT CORP Equities 594918104   2,364,020 7,487 SH   SOLE   7,445 0 42
MOODYS CORP Equities 615369105   272,539 862 SH   SOLE   862 0 0
NVIDIA CORP Equities 67066G104   7,830 18 SH   DFND   18 0 0
NVIDIA CORP Equities 67066G104   935,663 2,151 SH   SOLE   2,126 0 25
ORACLE CORP Equities 68389X105   105,920 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   317,124 2,994 SH   SOLE   2,994 0 0
PAYCHEX COMMON Equities 704326107   5,882 51 SH   DFND   51 0 0
PAYCHEX COMMON Equities 704326107   223,048 1,934 SH   SOLE   1,913 0 21
PEPSICO INC Equities 713448108   366,668 2,164 SH   SOLE   2,164 0 0
PFIZER INC Equities 717081103   130,690 3,940 SH   DFND   3,940 0 0
PFIZER INC Equities 717081103   228,110 6,877 SH   SOLE   6,877 0 0
PHILIP MORRIS INTL INC COMMON Equities 718172109   9,258 100 SH   DFND   100 0 0
PHILIP MORRIS INTL INC COMMON Equities 718172109   207,101 2,237 SH   SOLE   2,237 0 0
PROCTER & GAMBLE CO Equities 742718109   16,208,109 111,121 SH   SOLE   111,121 0 0
PRUDENTIAL FINL INC Equities 744320102   6,547 69 SH   DFND   69 0 0
PRUDENTIAL FINL INC Equities 744320102   255,159 2,689 SH   SOLE   2,665 0 24
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   335,956 4,668 SH   DFND   4,668 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   71,322 991 SH   SOLE   991 0 0
S&P GLOBAL INC COM Equities 78409V104   438,492 1,200 SH   DFND   1,200 0 0
S&P GLOBAL INC COM Equities 78409V104   183,070 501 SH   SOLE   501 0 0
SALESFORCE INC Equities 79466L302   6,489 32 SH   DFND   32 0 0
SALESFORCE INC Equities 79466L302   498,028 2,456 SH   SOLE   2,439 0 17
SCHWAB STRATEGIC TR Equities 808524706   250,700 10,472 SH   SOLE   10,472 0 0
SCHWAB STRATEGIC TR Equities 808524805   455,845 13,423 SH   SOLE   13,423 0 0
SPDR BARCLAYS BLOOMBERG ST BD E Equities 78464A474   135,458 4,620 SH   DFND   4,620 0 0
SPDR BARCLAYS BLOOMBERG ST BD E Equities 78464A474   199,933 6,819 SH   SOLE   6,819 0 0
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408   203,899 8,336 SH   DFND   8,336 0 0
SPDR BARCLAYS SHORT TERM HIGHI Equities 78468R408   1,983,021 81,072 SH   SOLE   78,066 0 3,006
SPDR GOLD TR GOLD SHS Equities 78463V107   85,725 500 SH   DFND   500 0 0
SPDR GOLD TR GOLD SHS Equities 78463V107   171,964 1,003 SH   SOLE   1,003 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   486,900 1,139 SH   DFND   1,139 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   15,963,813 37,344 SH   SOLE   37,344 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   73,062 160 SH   DFND   160 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   1,488,646 3,260 SH   SOLE   3,245 0 15
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739   2,331,379 50,430 SH   SOLE   50,430 0 0
TARGET CORP Equities 87612E106   555,835 5,027 SH   SOLE   5,027 0 0
TECH SELECT SEC SPDR Equities 81369Y803   40,983 250 SH   DFND   250 0 0
TECH SELECT SEC SPDR Equities 81369Y803   872,599 5,323 SH   SOLE   5,323 0 0
TESLA MTRS INC Equities 88160R101   7,006 28 SH   DFND   28 0 0
TESLA MTRS INC Equities 88160R101   646,068 2,582 SH   SOLE   2,555 0 27
THE HOME DEPOT INC Equities 437076102   8,763 29 SH   DFND   29 0 0
THE HOME DEPOT INC Equities 437076102   567,759 1,879 SH   SOLE   1,871 0 8
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   5,062 10 SH   DFND   10 0 0
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   328,504 649 SH   SOLE   644 0 5
UNION PACIFIC CORP Equities 907818108   977,424 4,800 SH   DFND   4,800 0 0
UNION PACIFIC CORP Equities 907818108   148,650 730 SH   SOLE   730 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   8,571 17 SH   DFND   17 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   726,538 1,441 SH   SOLE   1,436 0 5
VANGUARD FTSE EMERGING MARKETS Equities 922042858   306,269 7,811 SH   DFND   7,811 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858   9,525,834 242,944 SH   SOLE   242,432 0 512
VANGUARD IND FD MID-CAP ETF Equities 922908629   301,740 1,449 SH   SOLE   1,449 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   30,673 214 SH   DFND   214 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   850,090 5,931 SH   SOLE   5,931 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   1,816,003 9,280 SH   DFND   9,280 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   25,694,097 131,300 SH   SOLE   131,300 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   2,133,043 44,346 SH   DFND   44,346 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   27,469,189 571,085 SH   SOLE   571,085 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   1,586,119 29,636 SH   DFND   29,636 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   52,805,187 986,644 SH   SOLE   986,644 0 0
VERIZON COMMUNICATIONS INC COMM Equities 92343V104   202,757 6,256 SH   SOLE   6,256 0 0
VISA COMMON CL A Equities 92826C839   11,040 48 SH   DFND   48 0 0
VISA COMMON CL A Equities 92826C839   702,451 3,054 SH   SOLE   3,032 0 22
WAL-MART STORES COMMON Equities 931142103   258,447 1,616 SH   SOLE   1,616 0 0
WELLS FARGO & CO Equities 949746101   255,702 6,258 SH   SOLE   6,258 0 0