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
3M CO COM 88579Y101   106,070 1,000 SH   DFND   0 0 1,000
3M CO COM 88579Y101   201,533 1,900 SH   SOLE   1,900 0 0
ABBOTT LABS COM 002824100   4,546 40 SH   DFND   40 0 0
ABBOTT LABS COM 002824100   125,026 1,100 SH   DFND 2 1,100 0 0
ABBOTT LABS COM 002824100   469,529 4,131 SH   SOLE   4,131 0 0
ABBVIE INC COM 00287Y109   323,592 1,777 SH   SOLE   1,777 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   19,064 55 SH   DFND   55 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,282,457 3,700 SH   SOLE   3,700 0 0
ADOBE INC COM 00724F101   25,230 50 SH   DFND   50 0 0
ADOBE INC COM 00724F101   1,278,152 2,533 SH   SOLE   2,533 0 0
AIR PRODS & CHEMS INC COM 009158106   15,748 65 SH   DFND   65 0 0
AIR PRODS & CHEMS INC COM 009158106   38,036 157 SH   DFND 2 157 0 0
AIR PRODS & CHEMS INC COM 009158106   1,449,259 5,982 SH   SOLE   5,982 0 0
ALLSTATE CORP COM 020002101   21,626 125 SH   DFND   125 0 0
ALLSTATE CORP COM 020002101   1,485,637 8,587 SH   SOLE   8,587 0 0
ALPHABET INC CAP STK CL A 02079K305   105,651 700 SH   DFND   700 0 0
ALPHABET INC CAP STK CL A 02079K305   176,135 1,167 SH   DFND 2 1,167 0 0
ALPHABET INC CAP STK CL A 02079K305   6,293,026 41,695 SH   SOLE   41,695 0 0
ALPHABET INC CAP STK CL C 02079K107   316,244 2,077 SH   SOLE   2,077 0 0
AMAZON COM INC COM 023135106   72,152 400 SH   DFND   400 0 0
AMAZON COM INC COM 023135106   5,933,239 32,893 SH   SOLE   32,893 0 0
AMERICAN ELEC PWR CO INC COM 025537101   212,925 2,473 SH   SOLE   2,473 0 0
AMERICAN EXPRESS CO COM 025816109   9,335 41 SH   DFND   41 0 0
AMERICAN EXPRESS CO COM 025816109   500,235 2,197 SH   SOLE   2,197 0 0
AMERICAN TOWER CORP NEW COM 03027X100   237,306 1,201 SH   SOLE   1,201 0 0
AMGEN INC COM 031162100   567,787 1,997 SH   SOLE   1,997 0 0
APPLE INC COM 037833100   231,155 1,348 SH   DFND   1,348 0 0
APPLE INC COM 037833100   69,278 404 SH   DFND 2 404 0 0
APPLE INC COM 037833100   10,381,914 60,543 SH   SOLE   60,543 0 0
APPLIED MATLS INC COM 038222105   11,549 56 SH   DFND   56 0 0
APPLIED MATLS INC COM 038222105   210,561 1,021 SH   SOLE   1,021 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   284,348 293 SH   SOLE   293 0 0
AUTODESK INC COM 052769106   23,438 90 SH   DFND   90 0 0
AUTODESK INC COM 052769106   1,172,932 4,504 SH   SOLE   4,504 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   177,815 712 SH   DFND 2 712 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   535,443 2,144 SH   SOLE   2,144 0 0
BADGER METER INC COM 056525108   729,278 4,507 SH   SOLE   4,507 0 0
BANK AMERICA CORP COM 060505104   73,224 1,931 SH   DFND   1,931 0 0
BANK AMERICA CORP COM 060505104   2,661,264 70,181 SH   SOLE   70,181 0 0
BAXTER INTL INC COM 071813109   2,137 50 SH   DFND   50 0 0
BAXTER INTL INC COM 071813109   669,736 15,670 SH   SOLE   15,670 0 0
BECTON DICKINSON & CO COM 075887109   24,745 100 SH   DFND   100 0 0
BECTON DICKINSON & CO COM 075887109   599,324 2,422 SH   SOLE   2,422 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   25,231 60 SH   DFND   60 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,556,345 3,701 SH   SOLE   3,701 0 0
BERRY GLOBAL GROUP INC COM 08579W103   6,169 102 SH   DFND   102 0 0
BERRY GLOBAL GROUP INC COM 08579W103   203,455 3,364 SH   SOLE   3,364 0 0
BLACKROCK INC COM 09247X101   58,359 70 SH   DFND   70 0 0
BLACKROCK INC COM 09247X101   2,698,687 3,237 SH   SOLE   3,237 0 0
BOEING CO COM 097023105   5,018 26 SH   DFND   26 0 0
BOEING CO COM 097023105   309,170 1,602 SH   SOLE   1,602 0 0
BOOKING HOLDINGS INC COM 09857L108   467,997 129 SH   SOLE   129 0 0
CANADIAN PACIFIC KANSAS CITY COM 13646K108   651,047 7,384 SH   SOLE   7,384 0 0
CATERPILLAR INC COM 149123101   80,981 221 SH   DFND   221 0 0
CATERPILLAR INC COM 149123101   2,647,457 7,225 SH   SOLE   7,225 0 0
CHEVRON CORP NEW COM 166764100   245,601 1,557 SH   DFND   357 0 1,200
CHEVRON CORP NEW COM 166764100   2,711,866 17,192 SH   SOLE   17,192 0 0
CHUBB LIMITED COM H1467J104   315,620 1,218 SH   SOLE   1,218 0 0
CISCO SYS INC COM 17275R102   6,339 127 SH   DFND   127 0 0
CISCO SYS INC COM 17275R102   119,784 2,400 SH   DFND 2 2,400 0 0
CISCO SYS INC COM 17275R102   328,058 6,573 SH   SOLE   6,573 0 0
CITIGROUP INC COM NEW 172967424   39,778 629 SH   DFND   629 0 0
CITIGROUP INC COM NEW 172967424   1,073,309 16,972 SH   SOLE   16,972 0 0
CME GROUP INC COM 12572Q105   213,352 991 SH   SOLE   991 0 0
COLGATE PALMOLIVE CO COM 194162103   261,145 2,900 SH   DFND   0 0 2,900
CONOCOPHILLIPS COM 20825C104   20,365 160 SH   DFND   160 0 0
CONOCOPHILLIPS COM 20825C104   1,173,140 9,217 SH   SOLE   9,217 0 0
CONSTELLATION BRANDS INC CL A 21036P108   7,066 26 SH   DFND   26 0 0
CONSTELLATION BRANDS INC CL A 21036P108   285,076 1,049 SH   SOLE   1,049 0 0
COSTCO WHSL CORP NEW COM 22160K105   47,621 65 SH   DFND   65 0 0
COSTCO WHSL CORP NEW COM 22160K105   2,803,775 3,827 SH   SOLE   3,827 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   32,059 100 SH   DFND   100 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105   1,488,179 4,642 SH   SOLE   4,642 0 0
CROWN CASTLE INC COM 22822V101   13,229 125 SH   DFND   125 0 0
CROWN CASTLE INC COM 22822V101   489,887 4,629 SH   SOLE   4,629 0 0
CUMMINS INC COM 231021106   29,465 100 SH   DFND   100 0 0
CUMMINS INC COM 231021106   1,250,789 4,245 SH   SOLE   4,245 0 0
DANAHER CORPORATION COM 235851102   149,582 599 SH   DFND 2 599 0 0
DANAHER CORPORATION COM 235851102   237,234 950 SH   SOLE   950 0 0
DATADOG INC CL A COM 23804L103   21,630 175 SH   DFND   175 0 0
DATADOG INC CL A COM 23804L103   1,164,806 9,424 SH   SOLE   9,424 0 0
DEERE & CO COM 244199105   54,218 132 SH   DFND   132 0 0
DEERE & CO COM 244199105   1,847,509 4,498 SH   SOLE   4,498 0 0
DELL TECHNOLOGIES INC CL C 24703L202   16,774 147 SH   DFND   147 0 0
DELL TECHNOLOGIES INC CL C 24703L202   309,580 2,713 SH   SOLE   2,713 0 0
DISNEY WALT CO COM 254687106   33,037 270 SH   DFND   270 0 0
DISNEY WALT CO COM 254687106   33,771 276 SH   DFND 2 276 0 0
DISNEY WALT CO COM 254687106   2,098,352 17,149 SH   SOLE   17,149 0 0
DOW INC COM 260557103   14,888 257 SH   DFND   257 0 0
DOW INC COM 260557103   877,350 15,145 SH   SOLE   15,145 0 0
EATON CORP PLC SHS G29183103   671,949 2,149 SH   SOLE   2,149 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   33,446 350 SH   DFND   350 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108   2,104,518 22,023 SH   SOLE   22,023 0 0
ELI LILLY & CO COM 532457108   607,587 781 SH   SOLE   781 0 0
EXXON MOBIL CORP COM 30231G102   650,944 5,600 SH   DFND   0 0 5,600
EXXON MOBIL CORP COM 30231G102   418,464 3,600 SH   SOLE   3,600 0 0
FEDEX CORP COM 31428X106   6,374 22 SH   DFND   22 0 0
FEDEX CORP COM 31428X106   608,164 2,099 SH   SOLE   2,099 0 0
GENERAL MLS INC COM 370334104   3,304,123 47,222 SH   DFND   0 0 47,222
GENERAL MLS INC COM 370334104   129,445 1,850 SH   SOLE   1,850 0 0
GERON CORP COM 374163103   33,000 10,000 SH   SOLE   10,000 0 0
HCA HEALTHCARE INC COM 40412C101   63,371 190 SH   DFND   190 0 0
HCA HEALTHCARE INC COM 40412C101   2,068,220 6,201 SH   SOLE   6,201 0 0
HOME DEPOT INC COM 437076102   23,016 60 SH   DFND   60 0 0
HOME DEPOT INC COM 437076102   1,853,172 4,831 SH   SOLE   4,831 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   8,784 46 SH   DFND   46 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101   408,272 2,138 SH   SOLE   2,138 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   53,877 135 SH   DFND   135 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   1,144,989 2,869 SH   SOLE   2,869 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   222,891 1,316 SH   SOLE   1,316 0 0
ISHARES INC CORE MSCI EMKT 46434G103   137,824 2,671 SH   DFND   2,671 0 0
ISHARES INC CORE MSCI EMKT 46434G103   8,498,778 164,705 SH   SOLE   164,705 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   247,688 7,685 SH   SOLE   7,685 0 0
ISHARES INC MSCI EMRG CHN 46434G764   225,847 3,923 SH   DFND   3,923 0 0
ISHARES INC MSCI EMRG CHN 46434G764   8,533,831 148,234 SH   SOLE   148,234 0 0
ISHARES TR SELECT DIVID ETF 464287168   215,565 1,750 SH   SOLE   1,750 0 0
ISHARES TR CORE US AGGBD ET 464287226   397,343 4,057 SH   SOLE   4,057 0 0
ISHARES TR CORE MSCI EAFE 46432F842   7,595,897 102,343 SH   SOLE   102,343 0 0
ISHARES TR CORE S&P MCP ETF 464287507   749,835 12,345 SH   SOLE   12,345 0 0
ISHARES TR US TREAS BD ETF 46429B267   25,867 1,136 SH   DFND   1,136 0 0
ISHARES TR US TREAS BD ETF 46429B267   2,181,525 95,807 SH   SOLE   95,807 0 0
ISHARES TR U.S. TECH ETF 464287721   432,192 3,200 SH   SOLE   3,200 0 0
ISHARES TR JPMORGAN USD EMG 464288281   233,680 2,606 SH   SOLE   2,606 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   514,141 6,434 SH   SOLE   6,434 0 0
ISHARES TR MSCI KLD400 SOC 464288570   4,066,272 40,336 SH   SOLE   40,336 0 0
ISHARES TR NATIONAL MUN ETF 464288414   1,346,937 12,518 SH   SOLE   12,518 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   565,233 1,677 SH   SOLE   1,677 0 0
ISHARES TR RUS 1000 VAL ETF 464287598   309,323 1,727 SH   SOLE   1,727 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   69,399 330 SH   DFND 2 330 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   146,579 697 SH   SOLE   697 0 0
ISHARES TR CORE S&P500 ETF 464287200   113,032 215 SH   DFND   215 0 0
ISHARES TR CORE S&P500 ETF 464287200   8,320,203 15,826 SH   SOLE   15,826 0 0
ISHARES TR S&P MC 400GR ETF 464287606   173,375 1,900 SH   DFND   1,900 0 0
ISHARES TR S&P MC 400GR ETF 464287606   1,150,024 12,603 SH   SOLE   12,603 0 0
ISHARES TR S&P MC 400VL ETF 464287705   112,376 950 SH   DFND   950 0 0
ISHARES TR S&P MC 400VL ETF 464287705   812,534 6,869 SH   SOLE   6,869 0 0
ISHARES TR SP SMCP600VL ETF 464287879   99,163 965 SH   DFND   965 0 0
ISHARES TR SP SMCP600VL ETF 464287879   713,668 6,945 SH   SOLE   6,945 0 0
ISHARES TR S&P SML 600 GWT 464287887   78,438 600 SH   DFND   600 0 0
ISHARES TR S&P SML 600 GWT 464287887   571,290 4,370 SH   SOLE   4,370 0 0
ISHARES TR MSCI EAFE ETF 464287465   574,992 7,200 SH   DFND   7,200 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,386,210 17,358 SH   SOLE   17,358 0 0
ISHARES TR CORE S&P SCP ETF 464287804   1,292,200 11,692 SH   SOLE   11,692 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   262,575 2,500 SH   DFND   2,500 0 0
ISHARES TR 10-20 YR TRS ETF 464288653   9,700,151 92,356 SH   SOLE   92,356 0 0
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   15,996 317 SH   DFND   317 0 0
ISHARES U S ETF TR BLACKROCK SH DUR 46431W507   2,904,679 57,564 SH   SOLE   57,564 0 0
JOHNSON & JOHNSON COM 478160104   286,640 1,812 SH   DFND   212 0 1,600
JOHNSON & JOHNSON COM 478160104   33,220 210 SH   DFND 2 210 0 0
JOHNSON & JOHNSON COM 478160104   2,537,209 16,039 SH   SOLE   16,039 0 0
JOHNSON CTLS INTL PLC SHS G51502105   378,595 5,796 SH   SOLE   5,796 0 0
JPMORGAN CHASE & CO COM 46625H100   92,939 464 SH   DFND   464 0 0
JPMORGAN CHASE & CO COM 46625H100   114,171 570 SH   DFND 2 570 0 0
JPMORGAN CHASE & CO COM 46625H100   4,511,758 22,525 SH   SOLE   22,525 0 0
KENVUE INC COM 49177J102   274,559 12,794 SH   SOLE   12,794 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   18,114 85 SH   DFND   85 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   641,005 3,008 SH   SOLE   3,008 0 0
LAM RESEARCH CORP COM 512807108   110,759 114 SH   DFND   114 0 0
LAM RESEARCH CORP COM 512807108   3,854,218 3,967 SH   SOLE   3,967 0 0
LAUDER ESTEE COS INC CL A 518439104   29,905 194 SH   DFND   194 0 0
LAUDER ESTEE COS INC CL A 518439104   614,596 3,987 SH   SOLE   3,987 0 0
LOCKHEED MARTIN CORP COM 539830109   15,011 33 SH   DFND   33 0 0
LOCKHEED MARTIN CORP COM 539830109   771,460 1,696 SH   SOLE   1,696 0 0
LULULEMON ATHLETICA INC COM 550021109   21,486 55 SH   DFND   55 0 0
LULULEMON ATHLETICA INC COM 550021109   750,439 1,921 SH   SOLE   1,921 0 0
M & T BK CORP COM 55261F104   201,725 1,387 SH   SOLE   1,387 0 0
MARSH & MCLENNAN COS INC COM 571748102   9,887 48 SH   DFND   48 0 0
MARSH & MCLENNAN COS INC COM 571748102   277,455 1,347 SH   SOLE   1,347 0 0
MASTERCARD INCORPORATED CL A 57636Q104   33,710 70 SH   DFND 2 70 0 0
MASTERCARD INCORPORATED CL A 57636Q104   236,451 491 SH   SOLE   491 0 0
MCDONALDS CORP COM 580135101   46,522 165 SH   DFND   165 0 0
MCDONALDS CORP COM 580135101   1,832,957 6,501 SH   SOLE   6,501 0 0
MEDTRONIC PLC SHS G5960L103   26,058 299 SH   DFND 2 299 0 0
MEDTRONIC PLC SHS G5960L103   240,447 2,759 SH   SOLE   2,759 0 0
MERCK & CO INC COM 58933Y105   28,237 214 SH   DFND   214 0 0
MERCK & CO INC COM 58933Y105   2,064,622 15,647 SH   SOLE   15,647 0 0
META PLATFORMS INC CL A 30303M102   258,814 533 SH   SOLE   533 0 0
MICROSOFT CORP COM 594918104   303,760 722 SH   DFND   722 0 0
MICROSOFT CORP COM 594918104   149,356 355 SH   DFND 2 355 0 0
MICROSOFT CORP COM 594918104   13,747,447 32,676 SH   SOLE   32,676 0 0
MONDELEZ INTL INC CL A 609207105   617,400 8,820 SH   SOLE   8,820 0 0
MORGAN STANLEY COM NEW 617446448   30,320 322 SH   DFND   322 0 0
MORGAN STANLEY COM NEW 617446448   1,141,690 12,125 SH   SOLE   12,125 0 0
NETFLIX INC COM 64110L106   33,403 55 SH   DFND   55 0 0
NETFLIX INC COM 64110L106   970,513 1,598 SH   SOLE   1,598 0 0
NEXTERA ENERGY INC COM 65339F101   12,782 200 SH   DFND   200 0 0
NEXTERA ENERGY INC COM 65339F101   943,184 14,758 SH   SOLE   14,758 0 0
NIKE INC CL B 654106103   23,495 250 SH   DFND   250 0 0
NIKE INC CL B 654106103   32,235 343 SH   DFND 2 343 0 0
NIKE INC CL B 654106103   1,336,584 14,222 SH   SOLE   14,222 0 0
NORFOLK SOUTHN CORP COM 655844108   31,094 122 SH   DFND   122 0 0
NORFOLK SOUTHN CORP COM 655844108   1,030,949 4,045 SH   SOLE   4,045 0 0
NUCOR CORP COM 670346105   18,207 92 SH   DFND   92 0 0
NUCOR CORP COM 670346105   417,569 2,110 SH   SOLE   2,110 0 0
NVIDIA CORPORATION COM 67066G104   189,748 210 SH   DFND   210 0 0
NVIDIA CORPORATION COM 67066G104   9,144,931 10,121 SH   SOLE   10,121 0 0
ORACLE CORP COM 68389X105   29,895 238 SH   DFND 2 238 0 0
ORACLE CORP COM 68389X105   238,157 1,896 SH   SOLE   1,896 0 0
PACCAR INC COM 693718108   1,793,308 14,475 SH   SOLE   14,475 0 0
PALO ALTO NETWORKS INC COM 697435105   32,675 115 SH   DFND   115 0 0
PALO ALTO NETWORKS INC COM 697435105   1,987,489 6,995 SH   SOLE   6,995 0 0
PARKER-HANNIFIN CORP COM 701094104   97,819 176 SH   DFND   176 0 0
PARKER-HANNIFIN CORP COM 701094104   53,356 96 SH   DFND 2 96 0 0
PARKER-HANNIFIN CORP COM 701094104   3,073,519 5,530 SH   SOLE   5,530 0 0
PEPSICO INC COM 713448108   196,886 1,125 SH   DFND   125 0 1,000
PEPSICO INC COM 713448108   122,507 700 SH   DFND 2 700 0 0
PEPSICO INC COM 713448108   1,752,375 10,013 SH   SOLE   10,013 0 0
PHILLIPS 66 COM 718546104   47,695 292 SH   DFND   292 0 0
PHILLIPS 66 COM 718546104   1,494,071 9,147 SH   SOLE   9,147 0 0
PNC FINL SVCS GROUP INC COM 693475105   29,734 184 SH   DFND   184 0 0
PNC FINL SVCS GROUP INC COM 693475105   1,622,464 10,040 SH   SOLE   10,040 0 0
PPG INDS INC COM 693506107   32,892 227 SH   DFND   227 0 0
PPG INDS INC COM 693506107   1,219,189 8,414 SH   SOLE   8,414 0 0
PROCTER AND GAMBLE CO COM 742718109   494,051 3,045 SH   DFND   50 0 2,995
PROCTER AND GAMBLE CO COM 742718109   12,169 75 SH   DFND 2 75 0 0
PROCTER AND GAMBLE CO COM 742718109   2,124,988 13,097 SH   SOLE   13,097 0 0
PROLOGIS INC. COM 74340W103   14,454 111 SH   DFND   111 0 0
PROLOGIS INC. COM 74340W103   613,206 4,709 SH   SOLE   4,709 0 0
PUBLIC STORAGE COM 74460D109   38,868 134 SH   DFND   134 0 0
PUBLIC STORAGE COM 74460D109   1,257,700 4,336 SH   SOLE   4,336 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   13,556 203 SH   DFND   203 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   461,316 6,908 SH   SOLE   6,908 0 0
QUALCOMM INC COM 747525103   5,926 35 SH   DFND   35 0 0
QUALCOMM INC COM 747525103   266,986 1,577 SH   SOLE   1,577 0 0
REGENERON PHARMACEUTICALS COM 75886F107   36,575 38 SH   DFND   38 0 0
REGENERON PHARMACEUTICALS COM 75886F107   1,226,212 1,274 SH   SOLE   1,274 0 0
SALESFORCE INC COM 79466L302   52,707 175 SH   DFND   175 0 0
SALESFORCE INC COM 79466L302   2,200,120 7,305 SH   SOLE   7,305 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   248,953 2,685 SH   SOLE   2,685 0 0
SERVICENOW INC COM 81762P102   41,932 55 SH   DFND   55 0 0
SERVICENOW INC COM 81762P102   2,046,282 2,684 SH   SOLE   2,684 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   640,761 1,225 SH   SOLE   1,225 0 0
STARBUCKS CORP COM 855244109   15,993 175 SH   DFND   175 0 0
STARBUCKS CORP COM 855244109   1,130,220 12,367 SH   SOLE   12,367 0 0
STRYKER CORPORATION COM 863667101   53,681 150 SH   DFND   150 0 0
STRYKER CORPORATION COM 863667101   1,771,457 4,950 SH   SOLE   4,950 0 0
TARGET CORP COM 87612E106   23,923 135 SH   DFND   135 0 0
TARGET CORP COM 87612E106   1,071,412 6,046 SH   SOLE   6,046 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   65,677 113 SH   DFND   113 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   2,332,396 4,013 SH   SOLE   4,013 0 0
TJX COS INC NEW COM 872540109   207,302 2,044 SH   SOLE   2,044 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   226,425 3,750 SH   SOLE   3,750 0 0
UNION PAC CORP COM 907818108   366,436 1,490 SH   DFND   27 0 1,463
UNION PAC CORP COM 907818108   462,594 1,881 SH   SOLE   1,881 0 0
UNITED RENTALS INC COM 911363109   92,302 128 SH   DFND   128 0 0
UNITED RENTALS INC COM 911363109   2,727,959 3,783 SH   SOLE   3,783 0 0
UNITEDHEALTH GROUP INC COM 91324P102   51,944 105 SH   DFND   105 0 0
UNITEDHEALTH GROUP INC COM 91324P102   2,534,348 5,123 SH   SOLE   5,123 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   240,115 961 SH   SOLE   961 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   248,371 2,872 SH   SOLE   2,872 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,277,397 25,245 SH   SOLE   25,245 0 0
VEEVA SYS INC CL A COM 922475108   15,060 65 SH   DFND   65 0 0
VEEVA SYS INC CL A COM 922475108   708,276 3,057 SH   SOLE   3,057 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   48,296 1,151 SH   DFND   1,151 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   2,090,070 49,811 SH   SOLE   49,811 0 0
VISA INC COM CL A 92826C839   55,816 200 SH   DFND   200 0 0
VISA INC COM CL A 92826C839   2,445,299 8,762 SH   SOLE   8,762 0 0
VISTRA CORP COM 92840M102   252,203 3,621 SH   SOLE   3,621 0 0
WALMART INC COM 931142103   9,387 156 SH   DFND   156 0 0
WALMART INC COM 931142103   306,566 5,095 SH   SOLE   5,095 0 0