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
2U INC. Equities 90214J101   24,999 10,121 SH   DFND   0 0 10,121
ABBOTT LAB Equities 002824100   3,567,179 36,832 SH   SOLE   36,832 0 0
ABBVIE INC Equities 00287Y109   389,047 2,610 SH   DFND   0 0 2,610
ABBVIE INC Equities 00287Y109   577,011 3,871 SH   SOLE   3,871 0 0
ACCENTURE PLC Equities G1151C101   1,522,037 4,956 SH   DFND   0 0 4,956
ACCENTURE PLC Equities G1151C101   5,555,927 18,091 SH   SOLE   18,091 0 0
ADOBE SYS INC Equities 00724F101   213,648 419 SH   DFND   0 0 419
AFLAC INC Equities 001055102   118,118 1,539 SH   DFND   0 0 1,539
AFLAC INC Equities 001055102   246,368 3,210 SH   SOLE   3,210 0 0
Agilent Technologies Inc Equities 464288257   537,893 5,823 SH   SOLE   5,823 0 0
AIRBNB INC CL A Equities 009066101   781,274 5,694 SH   DFND   0 0 5,694
ALASKA AIR GROUP Equities 011659109   246,137 6,638 SH   DFND   0 0 6,638
ALBEMARLE CORP. Equities 012653101   355,044 2,088 SH   DFND   0 0 2,088
Align Technology Inc Equities 016255101   214,945 704 SH   DFND   0 0 704
ALLEGHENY TECH Equities 01741R102   575,812 13,993 SH   DFND   0 0 13,993
ALLISON TRANSMISSION HOLDINGS I Equities 01973R101   618,594 10,474 SH   DFND   0 0 10,474
ALPHABET, INC. CLASS A Equities 02079K305   1,029,345 7,866 SH   DFND   0 0 7,866
ALPHABET, INC. CLASS A Equities 02079K305   188,438 1,440 SH   SOLE   1,440 0 0
ALPHABET, INC. CLASS C Equities 02079K107   1,031,331 7,822 SH   DFND   0 0 7,822
ALPHABET, INC. CLASS C Equities 02079K107   320,527 2,431 SH   SOLE   2,431 0 0
AMAZON.COM INC Equities 023135106   1,564,212 12,305 SH   DFND   0 0 12,305
AMAZON.COM INC Equities 023135106   3,455,503 27,183 SH   SOLE   27,183 0 0
AMERICAN EXPRESS CO Equities 025816109   1,294,223 8,675 SH   DFND   0 0 8,675
AMERICAN EXPRESS CO Equities 025816109   73,849 495 SH   SOLE   495 0 0
AMERICAN TOWER CORP A Equities 03027X100   1,156,577 7,033 SH   DFND   0 0 7,033
AMERICAN TOWER CORP A Equities 03027X100   2,960,593 18,003 SH   SOLE   18,003 0 0
AMERISOURCEBERGEN CORP Equities 03073E105   239,360 1,330 SH   DFND   0 0 1,330
AMERISOURCEBERGEN CORP Equities 03073E105   10,618 59 SH   SOLE   59 0 0
AMPHENOL CORP Equities 032095101   66,184 788 SH   DFND   0 0 788
AMPHENOL CORP Equities 032095101   2,975,430 35,426 SH   SOLE   35,426 0 0
AON PLC CLASS A Equities G0403H108   556,037 1,715 SH   DFND   0 0 1,715
Apollo Global Management Inc Cl Equities 03769M106   872,736 9,723 SH   DFND   0 0 9,723
APPLE INC Equities 037833100   2,850,647 16,650 SH   DFND   0 0 16,650
APPLE INC Equities 037833100   7,980,783 46,614 SH   SOLE   46,614 0 0
APPLIED MATLS INC Equities 038222105   394,583 2,850 SH   DFND   0 0 2,850
APPLIED MATLS INC Equities 038222105   69,917 505 SH   SOLE   505 0 0
Arch Capital Group Ltd Equities G0450A105   1,006,658 12,629 SH   DFND   0 0 12,629
ARISTA NETWORKS Equities 040413106   577,356 3,139 SH   DFND   0 0 3,139
Array Technologies Inc Equities 04271T100   487,803 21,983 SH   DFND   0 0 21,983
ASML HOLDING NV Equities N07059210   347,309 590 SH   DFND   0 0 590
ASTRAZENECA PLC ADR Equities 046353108   292,550 4,320 SH   DFND   0 0 4,320
Atlassian Corp Cl A Equities 049468101   363,726 1,805 SH   DFND   0 0 1,805
AUTOMATIC DATA PROC Equities 053015103   161,189 670 SH   DFND   0 0 670
AUTOMATIC DATA PROC Equities 053015103   292,305 1,215 SH   SOLE   1,215 0 0
Avantor Inc Equities 05352A100   215,606 10,228 SH   DFND   0 0 10,228
Azul Holdings Inc Equities 05501U106   283,144 32,962 SH   DFND   0 0 32,962
Beacon Roofing Supply Inc Equities 073685109   433,618 5,619 SH   DFND   0 0 5,619
BECTON DICKINSON & CO Equities 075887109   269,647 1,043 SH   SOLE   1,043 0 0
BELDEN INC Equities 077454106   259,237 2,685 SH   DFND   0 0 2,685
BERKSHIRE HATHAWAY INC CLASS B Equities 084670702   4,061,028 11,593 SH   SOLE   11,593 0 0
BLACKROCK INC. Equities 09247X101   3,134,184 4,848 SH   SOLE   4,848 0 0
BOOKING HOLDINGS INC. Equities 09857L108   484,180 157 SH   DFND   0 0 157
BOOKING HOLDINGS INC. Equities 09857L108   37,007 12 SH   SOLE   12 0 0
BORGWARNER INC. Equities 099724106   310,445 7,690 SH   DFND   0 0 7,690
BOYD GAMING CORP Equities 103304101   259,075 4,259 SH   DFND   0 0 4,259
BROADCOM INC. Equities 11135F101   335,554 404 SH   DFND   0 0 404
BROADCOM INC. Equities 11135F101   30,731 37 SH   SOLE   37 0 0
BUILDERS FIRSTSOURCE INC Equities 12008R107   543,772 4,368 SH   DFND   0 0 4,368
CADENCE DESIGN SYSTEMS, INC. Equities 127387108   331,535 1,415 SH   DFND   0 0 1,415
Caesars Entertainment Inc Equities 12769G100   368,992 7,961 SH   DFND   0 0 7,961
CANADIAN PACIFIC KANSAS CITY LT Equities 13646K108   539,919 7,256 SH   DFND   0 0 7,256
CANADIAN PACIFIC KANSAS CITY LT Equities 13646K108   27,606 371 SH   SOLE   371 0 0
CARDINAL HEALTH INC Equities 14149Y108   331,652 3,820 SH   DFND   0 0 3,820
CARPENTER TECHNOLOGY CORPORATIO Equities 144285103   262,321 3,903 SH   DFND   0 0 3,903
CATERPILLAR INC Equities 149123101   469,560 1,720 SH   DFND   0 0 1,720
CATERPILLAR INC Equities 149123101   117,390 430 SH   SOLE   430 0 0
CHEVRON CORP Equities 166764100   259,675 1,540 SH   DFND   0 0 1,540
CHEVRON CORP Equities 166764100   262,204 1,555 SH   SOLE   1,555 0 0
CHUBB LTD Equities H1467J104   1,407,297 6,760 SH   DFND   0 0 6,760
CHUBB LTD Equities H1467J104   5,829,665 28,003 SH   SOLE   28,003 0 0
CINTAS CORP. Equities 172908105   109,189 227 SH   DFND   0 0 227
CINTAS CORP. Equities 172908105   3,223,729 6,702 SH   SOLE   6,702 0 0
CISCO SYS INC Equities 17275R102   210,739 3,920 SH   DFND   0 0 3,920
CISCO SYS INC Equities 17275R102   199,127 3,704 SH   SOLE   3,704 0 0
COCA-COLA Equities 191216100   848,993 15,166 SH   DFND   0 0 15,166
COCA-COLA Equities 191216100   207,014 3,698 SH   SOLE   3,698 0 0
COLGATE-PALMOLIVE CO Equities 194162103   1,317,171 18,523 SH   DFND   0 0 18,523
COLGATE-PALMOLIVE CO Equities 194162103   37,973 534 SH   SOLE   534 0 0
COMCAST CORPORATION Equities 20030N101   154,747 3,490 SH   DFND   0 0 3,490
COMCAST CORPORATION Equities 20030N101   4,414,756 99,566 SH   SOLE   99,566 0 0
Controladora Vuela Cia De Aviac Equities 21240E105   172,228 25,365 SH   DFND   0 0 25,365
COOPER COMPANIES Equities 216648402   240,416 756 SH   DFND   0 0 756
COSTCO WHOLESALE CORP Equities 22160K105   5,325,878 9,427 SH   SOLE   9,427 0 0
CROWDSTRIKE HOLDINGS ORD SHS CL Equities 22788C105   200,856 1,200 SH   DFND   0 0 1,200
CUMMINS INC Equities 231021106   4,262,607 18,658 SH   SOLE   18,658 0 0
DANAHER CORP Equities 235851102   1,536,483 6,193 SH   DFND   0 0 6,193
DANAHER CORP Equities 235851102   36,967 149 SH   SOLE   149 0 0
DEERE CO Equities 244199105   90,571 240 SH   DFND   0 0 240
DEERE CO Equities 244199105   4,205,900 11,145 SH   SOLE   11,145 0 0
DOLLAR GENERAL CORPORATION Equities 256677105   28,778 272 SH   DFND   0 0 272
DOLLAR GENERAL CORPORATION Equities 256677105   2,284,222 21,590 SH   SOLE   21,590 0 0
DOVER CORPORATION Equities 260003108   2,612,185 18,724 SH   SOLE   18,724 0 0
EA BRIDGEWAY BLUE CHIP ETF Equities 02072L714   369,174 38,536 SH   SOLE   38,536 0 0
Eagle Materials Inc Equities 26969P108   382,330 2,296 SH   DFND   0 0 2,296
ELEVANCE HEALTH INC Equities 036752103   87,084 200 SH   DFND   0 0 200
ELEVANCE HEALTH INC Equities 036752103   246,012 565 SH   SOLE   565 0 0
ELI LILLY & CO Equities 532457108   327,649 610 SH   DFND   0 0 610
ELI LILLY & CO Equities 532457108   1,036,661 1,930 SH   SOLE   1,930 0 0
ENCOMPASS HEALTH CORPORATION Equities 29261A100   246,477 3,670 SH   DFND   0 0 3,670
EOG RESOURCES Equities 26875P101   83,662 660 SH   DFND   0 0 660
EOG RESOURCES Equities 26875P101   3,398,436 26,810 SH   SOLE   26,810 0 0
Epam Sys Inc Equities 29414B104   434,417 1,699 SH   DFND   0 0 1,699
EQUIFAX INC Equities 294429105   209,192 1,142 SH   DFND   0 0 1,142
EVEREST RE GROUP Equities G3223R108   570,513 1,535 SH   DFND   0 0 1,535
EXXON MOBIL Equities 30231G102   373,904 3,180 SH   DFND   0 0 3,180
EXXON MOBIL Equities 30231G102   384,839 3,273 SH   SOLE   3,273 0 0
Fabrinet Equities G3323L100   311,913 1,872 SH   DFND   0 0 1,872
Fair Isaac Corporation Equities 303250104   212,790 245 SH   DFND   0 0 245
FERGUSON PLC Equities G3421J106   294,566 1,791 SH   DFND   0 0 1,791
Ferrari N.V. Equities N3167Y103   434,444 1,470 SH   DFND   0 0 1,470
FIDELITY MSCI REAL ESTATE INDEX Equities 316092857   3,073,952 135,119 SH   DFND   133,752 0 1,367
FIDELITY MSCI REAL ESTATE INDEX Equities 316092857   78,856 3,466 SH   SOLE   3,466 0 0
First Bancorp Equities 318672706   242,670 18,029 SH   DFND   0 0 18,029
First Citizens BancShares Inc/N Equities 31946M103   263,599 191 SH   DFND   0 0 191
FLEXTRONICS INTL Equities Y2573F102   275,439 10,209 SH   DFND   0 0 10,209
FORTINET INC. Equities 34959E109   368,041 6,272 SH   DFND   0 0 6,272
FORTINET INC. Equities 34959E109   1,232 21 SH   SOLE   21 0 0
FTAI AVIATION LTD Equities G3730V105   380,598 10,706 SH   DFND   0 0 10,706
GENERAL ELECTRIC CO. Equities 369604301   332,756 3,010 SH   DFND   0 0 3,010
GENERAL ELECTRIC CO. Equities 369604301   64,893 587 SH   SOLE   587 0 0
GILEAD SCIENCES INC. Equities 375558103   89,928 1,200 SH   DFND   0 0 1,200
GILEAD SCIENCES INC. Equities 375558103   2,715,001 36,229 SH   SOLE   36,229 0 0
Goldman Sachs ActiveBeta US LgC Equities 381430503   276,215 3,279 SH   SOLE   3,279 0 0
GOODYEAR TIRE & RUBBER CO Equities 382550101   139,925 11,257 SH   DFND   0 0 11,257
GRANITE CONSTRUCTION INC Equities 387328107   206,525 5,432 SH   DFND   0 0 5,432
GRID DYNAMICS HOLDINGS INC ORDI Equities 39813G109   157,889 12,963 SH   DFND   0 0 12,963
GUIDEWIRE SOFTWARE INC Equities 40171V100   286,290 3,181 SH   DFND   0 0 3,181
HERSHEY FOODS CO Equities 427866108   3,727,490 18,630 SH   SOLE   18,630 0 0
Hologic Inc Equities 436440101   222,913 3,212 SH   DFND   0 0 3,212
HOME DEPOT INC. Equities 437076102   4,251,391 14,070 SH   SOLE   14,070 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   1,412,892 7,648 SH   DFND   0 0 7,648
HONEYWELL INTERNATIONAL INC Equities 438516106   5,097,346 27,592 SH   SOLE   27,592 0 0
HUBSPOT INC. Equities 443573100   251,668 511 SH   DFND   0 0 511
HUNT J B TRANS SVCS INC Equities 445658107   75,219 399 SH   DFND   0 0 399
HUNT J B TRANS SVCS INC Equities 445658107   3,024,049 16,041 SH   SOLE   16,041 0 0
I SHARES MSCI EAFE GROWTH Equities 464288885   443,359 5,138 SH   SOLE   5,138 0 0
ICICI BANK ADR Equities 45104G104   275,128 11,900 SH   DFND   0 0 11,900
Icon PLC ADR Equities G4705A100   430,445 1,748 SH   DFND   0 0 1,748
IDACORP Inc Equities 451107106   77,561,672 828,208 SH   SOLE   828,208 0 0
INOVIO PHARMACEUTICALS INC Equities 45773H201   9,077 23,333 SH   SOLE   23,333 0 0
Integral Ad Science Holding Cor Equities 45828L108   158,470 13,328 SH   DFND   0 0 13,328
INTERFACE INC. Equities 458665304   104,408 10,643 SH   DFND   0 0 10,643
INVESCO PREFERRED ETF Equities 46138E511   378,831 34,596 SH   SOLE   34,596 0 0
INVESCO QQQ TRUST Equities 46090E103   12,024,150 33,562 SH   SOLE   33,562 0 0
Invesco S&P MidCap Momentum ETF Equities 46137V464   711,739 8,840 SH   SOLE   8,840 0 0
INVESCO S&P SMALLCAP MOMENTUM E Equities 46137V498   816,116 16,824 SH   SOLE   16,824 0 0
ISHARE MSCI BRAZIL Equities 464286400   1,301,927 42,450 SH   SOLE   42,450 0 0
ISHARES 0-3 MONTH TREASURY BOND Equities 46436E718   11,973,012 118,933 SH   DFND   118,812 0 121
ISHARES BARCLAYS AGGREGATE BD F Equities 464287226   495,706 5,271 SH   SOLE   5,271 0 0
ISHARES BARCLAYS TIPS BOND Equities 464287176   540,169 5,219 SH   SOLE   5,219 0 0
ISHARES BROAD USD HIGH YLD CORP Equities 46435U853   9,014,703 259,715 SH   DFND   256,367 0 3,348
ISHARES BROAD USD HIGH YLD CORP Equities 46435U853   70 2 SH   SOLE   2 0 0
ISHARES CORE DIVIDEND GROWTH Equities 46434V621   44,994,945 908,438 SH   DFND   906,720 0 1,718
ISHARES CORE DIVIDEND GROWTH Equities 46434V621   53,415,029 1,078,438 SH   SOLE   1,078,438 0 0
iShares Core Growth Allocation Equities 464289875   289,392 7,434 SH   SOLE   7,434 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   4,302,515 10,019 SH   SOLE   10,019 0 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507   49,504,436 198,534 SH   SOLE   198,534 0 0
ISHARES CORE S&P TOTAL US STOCK Equities 464287150   785,404 8,339 SH   SOLE   8,339 0 0
iShares Core Total USD Bond Mar Equities 46434V613   1,201,475 27,484 SH   SOLE   27,484 0 0
ISHARES DJ US TECHNOLOGY SECTOR Equities 464287721   356,397 3,397 SH   SOLE   3,397 0 0
iShares ESG Aware MSCI USA Smal Equities 46435U663   310,571 9,228 SH   SOLE   9,228 0 0
ISHARES GOLD TRUST Equities 464285204   417,841 11,941 SH   SOLE   11,941 0 0
ISHARES INC GERMANY Equities 464286806   3,263,312 124,554 SH   SOLE   124,554 0 0
ISHARES MORNINGSTAR U.S. EQUITY Equities 464287127   892,761 15,157 SH   SOLE   15,157 0 0
ISHARES MSCI EAFE INDEX FD Equities 464287465   588,766 8,543 SH   SOLE   8,543 0 0
ISHARES MSCI EMERGING MARKETS I Equities 464287234   871,503 22,964 SH   SOLE   22,964 0 0
ISHARES MSCI INTL QUALITY FACTO Equities 46434V456   708,153 21,070 SH   SOLE   21,070 0 0
iShares MSCI Italy Capped Index Equities 46434G830   3,234,916 106,342 SH   SOLE   106,342 0 0
ISHARES RUSSELL 1000 VALUE INDE Equities 464287598   227,730 1,500 SH   DFND   750 0 750
ISHARES RUSSELL 1000 VALUE INDE Equities 464287598   136,572 900 SH   SOLE   900 0 0
ISHARES RUSSELL 2000 GROWTH IND Equities 464287648   125,524 560 SH   DFND   280 0 280
ISHARES RUSSELL 2000 GROWTH IND Equities 464287648   91,832 410 SH   SOLE   410 0 0
ISHARES RUSSELL 2000 VALUE INDE Equities 464287630   253,400 1,869 SH   SOLE   1,869 0 0
ISHARES RUSSELL MID CAP GROWTH Equities 464287481   203,290 2,225 SH   SOLE   2,225 0 0
ISHARES RUSSELL TOP 200 GROWTH Equities 464289438   981,941 6,383 SH   SOLE   6,383 0 0
ISHARES S&P 500 VAL IDX FD Equities 464287408   888,167 5,773 SH   SOLE   5,773 0 0
ISHARES S&P GROWTH INDEX FD Equities 464287309   938,410 13,716 SH   SOLE   13,716 0 0
ISHARES S&P MIDCAP 400 VALUE IN Equities 464287705   1,567,495 15,531 SH   SOLE   15,531 0 0
ISHARES US INFRASTRUCTURE ETF Equities 46435U713   5,419,397 148,111 SH   DFND   147,012 0 1,099
JABIL CIRCUIT INC Equities 466313103   551,591 4,347 SH   DFND   0 0 4,347
JAZZ PHARMACEUTICALS PLC Equities G50871105   235,710 1,821 SH   DFND   0 0 1,821
JOHNSON & JOHNSON Equities 478160104   1,045,083 6,710 SH   DFND   0 0 6,710
JOHNSON & JOHNSON Equities 478160104   5,595,319 35,925 SH   SOLE   35,925 0 0
JP MORGAN CHASE Equities 46625H100   352,399 2,430 SH   DFND   0 0 2,430
JP MORGAN CHASE Equities 46625H100   6,155,084 42,443 SH   SOLE   42,443 0 0
JP MORGAN ULTRA SHORT INCOME ET Equities 46641Q837   3,401,470 67,785 SH   SOLE   67,785 0 0
KBR INC. Equities 48242W106   490,911 8,329 SH   DFND   0 0 8,329
KLA CORP. Equities 482480100   156,862 342 SH   DFND   0 0 342
KLA CORP. Equities 482480100   4,355,894 9,497 SH   SOLE   9,497 0 0
Knight-Swift Transportation Hol Equities 499049104   386,406 7,705 SH   DFND   0 0 7,705
Leslies Poolmart Equities 527064109   69,510 12,281 SH   DFND   0 0 12,281
Lexington Corp Properties Trust Equities 529043101   112,799 12,674 SH   DFND   0 0 12,674
LINDE PLC Equities G54950103   1,635,734 4,393 SH   DFND   0 0 4,393
LINDE PLC Equities G54950103   5,300,402 14,235 SH   SOLE   14,235 0 0
LIVE NATION ENTERTAINMENT INC Equities 538034109   377,500 4,546 SH   DFND   0 0 4,546
LOCKHEED MARTIN CORPORATION Equities 539830109   605,670 1,481 SH   DFND   0 0 1,481
LOWES COS INC Equities 548661107   160,037 770 SH   DFND   0 0 770
LOWES COS INC Equities 548661107   142,578 686 SH   SOLE   686 0 0
Macom Tech Solutions Hldgs Inc Equities 55405Y100   249,635 3,060 SH   DFND   0 0 3,060
MAGNITE INC. Equities 55955D100   79,343 10,523 SH   DFND   0 0 10,523
Magnolia Oil & Gas Corp Equities 559663109   231,299 10,096 SH   DFND   0 0 10,096
MARATHON PETROLEUM CORP Equities 56585A102   45,402 300 SH   DFND   0 0 300
MARATHON PETROLEUM CORP Equities 56585A102   155,426 1,027 SH   SOLE   1,027 0 0
MARRIOTT INTL INC NEW Equities 571903202   416,511 2,119 SH   DFND   0 0 2,119
MARSH & MCLENNAN COMPANIES, INC Equities 571748102   1,429,914 7,514 SH   DFND   0 0 7,514
MARSH & MCLENNAN COMPANIES, INC Equities 571748102   3,897,915 20,483 SH   SOLE   20,483 0 0
Mastec Inc Equities 576323109   278,380 3,868 SH   DFND   0 0 3,868
Mastec Inc Equities 576323109   8,061 112 SH   SOLE   112 0 0
MASTERCARD INCORPORATED Equities 57636Q104   3,628,119 9,164 SH   SOLE   9,164 0 0
MATADOR RESOURCES CO Equities 576485205   8,149 137 SH   DFND   0 0 137
MATADOR RESOURCES CO Equities 576485205   208,180 3,500 SH   SOLE   3,500 0 0
MATTEL INC Equities 577081102   470,473 21,356 SH   DFND   0 0 21,356
MCDONALDS Equities 580135101   1,195,227 4,537 SH   DFND   0 0 4,537
MCDONALDS Equities 580135101   550,853 2,091 SH   SOLE   2,091 0 0
MCKESSON CORP Equities 58155Q103   741,854 1,706 SH   DFND   0 0 1,706
MCKESSON CORP Equities 58155Q103   11,741 27 SH   SOLE   27 0 0
MEDTRONIC CORPORATION Equities G5960L103   813,220 10,378 SH   DFND   0 0 10,378
MEDTRONIC CORPORATION Equities G5960L103   14,810 189 SH   SOLE   189 0 0
MERCK & CO, INC. NEW Equities 58933Y105   193,546 1,880 SH   DFND   0 0 1,880
MERCK & CO, INC. NEW Equities 58933Y105   224,328 2,179 SH   SOLE   2,179 0 0
MERLYN.AI SECTORSURFER MOMENTUM Equities 02072L862   547,221 9,095 SH   SOLE   9,095 0 0
META PLATFORMS INC. CL A Equities 30303M102   936,655 3,120 SH   DFND   0 0 3,120
META PLATFORMS INC. CL A Equities 30303M102   22,816 76 SH   SOLE   76 0 0
MICROSOFT Equities 594918104   4,188,108 13,264 SH   DFND   0 0 13,264
MICROSOFT Equities 594918104   8,666,075 27,446 SH   SOLE   27,446 0 0
Molina Healthcare Inc Equities 60855R100   313,135 955 SH   DFND   0 0 955
MONGODB INC. Equities 60937P106   229,651 664 SH   DFND   0 0 664
Monolithic Power Systems Equities 609839105   313,698 679 SH   DFND   0 0 679
MRC Global Equities 55345K103   357,387 34,867 SH   DFND   0 0 34,867
Navigator Holdings Equities Y62132108   173,577 11,752 SH   DFND   0 0 11,752
NEUROCRINE BIOSCIENCES INC Equities 64125C109   343,125 3,050 SH   DFND   0 0 3,050
NEXTERA ENERGY INC. Equities 65339F101   3,367,563 58,781 SH   SOLE   58,781 0 0
NIKE, INC Equities 654106103   1,412,021 14,767 SH   DFND   0 0 14,767
NIKE, INC Equities 654106103   2,606,027 27,254 SH   SOLE   27,254 0 0
NORFOLK SOUTHERN Equities 655844108   309,771 1,573 SH   SOLE   1,573 0 0
NORTHROP GRUMMAN CORP. Equities 666807102   1,653,794 3,757 SH   DFND   0 0 3,757
NORTHROP GRUMMAN CORP. Equities 666807102   1,321 3 SH   SOLE   3 0 0
NOVO-NORDISK A/S (DENMARK) Equities 670100205   546,913 6,014 SH   DFND   0 0 6,014
NUTANIX INC. Equities 67059N108   568,893 16,310 SH   DFND   0 0 16,310
NVIDIA CORP Equities 67066G104   1,565,964 3,600 SH   DFND   0 0 3,600
NVIDIA CORP Equities 67066G104   103,528 238 SH   SOLE   238 0 0
NVR INC. Equities 62944T105   685,780 115 SH   DFND   0 0 115
OKTA INC. CL A Equities 679295105   309,167 3,793 SH   DFND   0 0 3,793
Pactiv Evergreen Inc Equities 69526K105   91,658 11,274 SH   DFND   0 0 11,274
PALO ALTO NETWORKS INC Equities 697435105   344,158 1,468 SH   DFND   0 0 1,468
PARKER-HANNIFIN CORP Equities 701094104   93,485 240 SH   DFND   0 0 240
PARKER-HANNIFIN CORP Equities 701094104   110,624 284 SH   SOLE   284 0 0
PAYMENTUS HOLDINGS INC A Equities 70439P108   208,894 12,584 SH   DFND   0 0 12,584
PEPSI CO Equities 713448108   1,582,739 9,341 SH   DFND   0 0 9,341
PEPSI CO Equities 713448108   3,867,129 22,823 SH   SOLE   22,823 0 0
Perdoceo Ed Corp Equities 71363P106   176,882 10,344 SH   DFND   0 0 10,344
PERMIAN RESOURCES CORP CL A Equities 71424F105   433,653 31,064 SH   DFND   0 0 31,064
Pimco Enhanced Short Maturity E Equities 72201R833   437,249 4,366 SH   SOLE   4,366 0 0
Planet Fitness Inc Cl A Equities 72703H101   224,064 4,556 SH   DFND   0 0 4,556
Planet Labs PBC Equities 72703X106   54,072 20,797 SH   DFND   0 0 20,797
POOL CORPORATION Equities 73278L105   240,011 674 SH   SOLE   674 0 0
PROCTER & GAMBLE Equities 742718109   1,285,464 8,813 SH   DFND   0 0 8,813
PROCTER & GAMBLE Equities 742718109   3,375,346 23,141 SH   SOLE   23,141 0 0
PURE STORAGE INC Equities 74624M102   585,343 16,433 SH   DFND   0 0 16,433
QORVO INC. Equities 74736K101   222,350 2,329 SH   DFND   0 0 2,329
QUALCOMM INC Equities 747525103   305,415 2,750 SH   DFND   0 0 2,750
QUALCOMM INC Equities 747525103   59,528 536 SH   SOLE   536 0 0
QUANTA SERVICES INC. Equities 74762E102   367,967 1,967 SH   DFND   0 0 1,967
RENAISSANCERE HOLDINGS LTD. Equities G7496G103   258,286 1,305 SH   DFND   0 0 1,305
SCHWAB CORP Equities 808513105   3,403,745 61,999 SH   SOLE   61,999 0 0
SCHWAB FUNDAMENTAL INTL LARGE C Equities 808524755   15,213,509 480,376 SH   DFND   479,495 0 881
SCHWAB INTERNATIONAL EQUITY ETF Equities 808524805   648,877 19,107 SH   SOLE   19,107 0 0
Schwab US Aggregate Bond ETF - Equities 808524839   949,438 21,466 SH   SOLE   21,466 0 0
SCHWAB US DIVIDEND EQUITY Equities 808524797   33,066,010 467,298 SH   DFND   466,344 0 954
SCHWAB US DIVIDEND EQUITY Equities 808524797   33,410 472 SH   SOLE   472 0 0
SCHWAB US LARGE CAP Equities 808524201   52,030,460 1,028,270 SH   DFND   1,023,137 0 5,133
SCHWAB US MID-CAP ETF Equities 808524508   284,134 4,198 SH   SOLE   4,198 0 0
SECTOR SPDR ENERGY Equities 81369Y506   277,201 3,067 SH   SOLE   3,067 0 0
SELECT SECTOR SPDR-CONSUMER STA Equities 81369Y308   222,319 3,231 SH   SOLE   3,231 0 0
SHARES S&P 500 PURE GROWTH PORT Equities 46137V266   1,455,284 48,267 SH   SOLE   48,267 0 0
SHERWIN WILLIAMS CO. Equities 824348106   207,101 812 SH   DFND   0 0 812
SHERWIN WILLIAMS CO. Equities 824348106   1,753,724 6,876 SH   SOLE   6,876 0 0
SHIFT4 PAYMENTS INC Equities 82452J109   283,218 5,115 SH   DFND   0 0 5,115
Shoals Technologies Group Inc O Equities 82489W107   217,723 11,930 SH   DFND   0 0 11,930
SM ENERGY CO Equities 78454L100   456,728 11,519 SH   DFND   0 0 11,519
SMARTSHEET INC CLASS A Equities 83200N103   259,349 6,410 SH   DFND   0 0 6,410
SPDR DOW JONES INDUST AVERAGE E Equities 78467X109   383,590 1,145 SH   SOLE   1,145 0 0
SPDR GOLD TRGOLD SHS Equities 78463V107   4,738,833 27,640 SH   DFND   23,075 0 4,565
SPDR GOLD TRGOLD SHS Equities 78463V107   389,481 2,272 SH   SOLE   2,272 0 0
SPDR PORTFOLIO DEVELOPED WORLD Equities 78463X889   232,959 7,512 SH   SOLE   7,512 0 0
SPDR Portfolio Interm Term Corp Equities 78464A375   302,642 9,335 SH   SOLE   9,335 0 0
SPDR PORTFOLIO SMALL CAP ETF Equities 78468R853   471,967 12,790 SH   SOLE   12,790 0 0
SPDR S&P 500 Equities 78462F103   5,719,867 13,380 SH   SOLE   13,380 0 0
SPDR S&P 500 GROWTH ETF Equities 78464A409   3,035,860 51,213 SH   SOLE   51,213 0 0
SPDR S&P DIVIDEND ETF Equities 78464A763   4,591,496 39,923 SH   SOLE   39,923 0 0
SPLUNK INC. Equities 848637104   213,525 1,460 SH   DFND   0 0 1,460
STARBUCKS CORP Equities 855244109   2,596,084 28,444 SH   SOLE   28,444 0 0
Steris PLC Equities G8473T100   401,319 1,829 SH   DFND   0 0 1,829
STOCK YARDS BANCORP INC. Equities 861025104   328,268 8,355 SH   SOLE   8,355 0 0
Stoneridge Inc Equities 86183P102   242,606 12,088 SH   DFND   0 0 12,088
STRYKER CORP Equities 863667101   1,214,958 4,446 SH   DFND   0 0 4,446
STRYKER CORP Equities 863667101   2,736,526 10,014 SH   SOLE   10,014 0 0
Summit Materials Inc Equities 86614U100   230,498 7,402 SH   DFND   0 0 7,402
SYNOPSYS INC Equities 871607107   784,839 1,710 SH   DFND   0 0 1,710
TAIWAN SEMICONDUCTOR MFG CO LTD Equities 874039100   4,274,090 49,184 SH   SOLE   49,184 0 0
TARGET CORP Equities 87612E106   2,638,642 23,864 SH   SOLE   23,864 0 0
TESLA MOTORS INC. Equities 88160R101   745,656 2,980 SH   DFND   0 0 2,980
TEXAS INSTRUMENTS Equities 882508104   1,089,537 6,852 SH   DFND   0 0 6,852
TEXAS INSTRUMENTS Equities 882508104   3,077,162 19,352 SH   SOLE   19,352 0 0
THE TRADE DESK INC. Equities 88339J105   843,473 10,793 SH   DFND   0 0 10,793
THERMO FISHER SCIENTIFIC INC Equities 883556102   3,478,400 6,872 SH   SOLE   6,872 0 0
Thomson Reuters Corp. Equities 884903808   203,785 1,666 SH   DFND   0 0 1,666
TJX COMPANIES Equities 872540109   2,016,509 22,688 SH   DFND   0 0 22,688
TJX COMPANIES Equities 872540109   5,540,957 62,342 SH   SOLE   62,342 0 0
TRANSUNION Equities 89400J107   258,444 3,600 SH   DFND   0 0 3,600
TREX ORD SHS Equities 89531P105   231,729 3,760 SH   DFND   0 0 3,760
TRUIST FINANCIAL CORP. Equities 89832Q109   540,843 18,904 SH   SOLE   18,904 0 0
UNION PACIFIC CORP Equities 907818108   592,563 2,910 SH   DFND   0 0 2,910
UNION PACIFIC CORP Equities 907818108   63,533 312 SH   SOLE   312 0 0
UNITEDHEALTH GROUP Equities 91324P102   1,759,623 3,490 SH   DFND   0 0 3,490
UNITEDHEALTH GROUP Equities 91324P102   6,911,437 13,708 SH   SOLE   13,708 0 0
UNIVERSAL DISPLAY CORP. Equities 91347P105   355,739 2,266 SH   DFND   0 0 2,266
VANECK VECTORS FALLEN ANGEL HIY Equities 92189F437   444,283 16,419 SH   SOLE   16,419 0 0
VANGUARD DIVIDEND APPRECIATION Equities 921908844   907,532 5,841 SH   DFND   5,841 0 0
VANGUARD DIVIDEND APPRECIATION Equities 921908844   145,811 938 SH   SOLE   938 0 0
Vanguard Emerging Mrkts Govt Bo Equities 921946885   5,351,843 90,464 SH   DFND   82,470 0 7,994
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858   13,505,871 308,917 SH   DFND   299,338 0 9,579
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858   23,490,951 537,304 SH   SOLE   537,304 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858   9,283,073 236,753 SH   DFND   230,648 0 6,105
VANGUARD FTSE EMERGING MARKETS Equities 922042858   9,668,087 246,572 SH   SOLE   246,572 0 0
VANGUARD HEALTH CARE ETF Equities 92204A504   585,133 2,489 SH   SOLE   2,489 0 0
VANGUARD INTERMED TERM BOND ETF Equities 921937819   67,071,066 933,098 SH   SOLE   933,098 0 0
VANGUARD INTERMEDIATE TERM GOVE Equities 92206C706   28,255,336 494,407 SH   DFND   489,569 0 4,838
VANGUARD INTERMEDIATE TERM GOVE Equities 92206C706   1,166 20 SH   SOLE   20 0 0
VANGUARD INTERMEDIATE-TERM CORP Equities 92206C870   25,236,290 332,144 SH   DFND   329,387 0 2,757
VANGUARD INTERMEDIATE-TERM CORP Equities 92206C870   49,532 652 SH   SOLE   652 0 0
VANGUARD INTL DIV APPREC ETF Equities 921946810   17,017,338 238,572 SH   DFND   235,702 0 2,870
VANGUARD INTL DIV APPREC ETF Equities 921946810   128,370 1,800 SH   SOLE   1,800 0 0
VANGUARD LARGE CAP ETF Equities 922908637   272,400 1,392 SH   SOLE   1,392 0 0
Vanguard Mega Cap Growth ETF Equities 921910816   47,773,257 210,548 SH   DFND   203,157 0 7,391
Vanguard Mega Cap Growth ETF Equities 921910816   2,512,926 11,075 SH   SOLE   11,075 0 0
VANGUARD MID CAP ETF Equities 922908629   30,241,929 145,226 SH   DFND   138,667 0 6,559
VANGUARD MID CAP ETF Equities 922908629   29,449,735 141,422 SH   SOLE   141,422 0 0
VANGUARD MID CAP GROWTH ETF Equities 922908538   1,657,557 8,510 SH   SOLE   8,510 0 0
VANGUARD MID CAP VALUE ETF Equities 922908512   819,632 6,259 SH   SOLE   6,259 0 0
VANGUARD MORTGAGE-BACKED SECS E Equities 92206C771   26,485,791 604,975 SH   DFND   603,500 0 1,475
VANGUARD REAL ESTATE ETF Equities 922908553   923,865 12,211 SH   SOLE   12,211 0 0
VANGUARD S&P 500 Equities 922908363   167,172,883 425,701 SH   SOLE   425,701 0 0
Vanguard S&P Mid-Cap 400 Index Equities 921932885   542,949 6,423 SH   SOLE   6,423 0 0
VANGUARD SHORT-TERM CORP BD IDX Equities 92206C409   3,216,475 42,801 SH   DFND   36,762 0 6,039
VANGUARD SHORT-TERM CORP BD IDX Equities 92206C409   70,456 938 SH   SOLE   938 0 0
Vanguard Shrt-Term Infl-Prot Se Equities 922020805   3,973,802 84,048 SH   DFND   78,419 0 5,629
Vanguard Shrt-Term Infl-Prot Se Equities 922020805   302,818 6,405 SH   SOLE   6,405 0 0
VANGUARD SMALL CAP ETF Equities 922908751   18,561,708 98,174 SH   DFND   94,027 0 4,147
VANGUARD SMALL CAP ETF Equities 922908751   36,431,915 192,690 SH   SOLE   192,690 0 0
VANGUARD SMALL CAP GROWTH ETF Equities 922908595   579,498 2,695 SH   SOLE   2,695 0 0
VANGUARD SMALL CAP VALUE ETF Equities 922908611   377,013 2,365 SH   SOLE   2,365 0 0
VANGUARD ST BOND ETF Equities 921937827   227,606 3,028 SH   SOLE   3,028 0 0
VANGUARD TOTAL BOND MARKET ETF Equities 921937835   866,684 12,420 SH   SOLE   12,420 0 0
VANGUARD TOTAL INTERNATIONAL BO Equities 92203J407   4,843,203 101,259 SH   DFND   90,733 0 10,526
VANGUARD TOTAL INTERNATIONAL BO Equities 92203J407   6,285 131 SH   SOLE   131 0 0
VANGUARD ULTRA-SHORT BOND ETF Equities 92203C303   4,329,623 88,018 SH   DFND   84,385 0 3,633
VANGUARD UTILITIES ETF Equities 92204A876   334,383 2,622 SH   SOLE   2,622 0 0
VANGUARD VALUE ETF Equities 922908744   964,086 6,990 SH   SOLE   6,990 0 0
VEEVA SYSTEMS INC CLASS A Equities 922475108   950,722 4,673 SH   DFND   0 0 4,673
VG TOTL STK VPRS Equities 922908769   3,365,582 15,845 SH   SOLE   15,845 0 0
VISA INC Equities 92826C839   1,839,160 7,996 SH   DFND   0 0 7,996
VISA INC Equities 92826C839   3,316,284 14,418 SH   SOLE   14,418 0 0
WALMART INC. Equities 931142103   586,143 3,665 SH   SOLE   3,665 0 0
WALT DISNEY Equities 254687106   2,859,282 35,278 SH   SOLE   35,278 0 0
WASTE CONNECTIONS INC. Equities 94106B101   299,758 2,232 SH   DFND   0 0 2,232
WOLFSPEED INC Equities 977852102   265,481 6,968 SH   DFND   0 0 6,968
XPO LOGISTICS INC. Equities 983793100   560,473 7,507 SH   DFND   0 0 7,507
ZoomInfo Technologies Inc Equities 98980F104   175,447 10,698 SH   DFND   0 0 10,698
ZSCALER INC. Equities 98980G102   202,267 1,300 SH   DFND   0 0 1,300