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
ISHARES LONG TERM CORP BOND ETF 10+ YR CR BD ETF 464289511 296 4,210 SH   DFND   4,210 0 0
ISHARES SHORT TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 57,919 1,054,795 SH   DFND   1,036,982 958 16,855
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 17,311 142,106 SH   DFND   140,000 123 1,983
GOLDMAN SACHS TREAS ACC ETF ACCES TREASURY 381430529 2,512 25,016 SH   DFND   24,242 0 774
GOLDMAN SACHS ACCESS INV GRADE CORP BOND ETF ACCESS INVT GR 381430479 1,878 34,044 SH   DFND   34,044 0 0
NOVO-NORDISK A/S SPONS ADR ADR 670100205 752 10,835 SH   DFND   10,835 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 2,896 1,976 SH   DFND   1,976 0 0
ALPHABET INC CL C CAP STK CL C 02079K107 4,570 3,110 SH   DFND   3,110 0 0
LITHIA MOTORS INC CL A CL A 536797103 452 1,985 SH   DFND   1,985 0 0
TWILIO INC - A CL A 90138F102 574 2,325 SH   DFND   2,325 0 0
ESTEE LAUDER COS INC CL A CL A 518439104 616 2,821 SH   DFND   2,821 0 0
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 799 13,907 SH   DFND   13,907 0 0
ZOETIS INC. CL A 98978V103 1,733 10,477 SH   DFND   10,477 0 0
FACEBOOK INC CL A 30303M102 2,159 8,243 SH   DFND   8,143 0 100
BERKSHIRE HATHAWAY INC DEL CL A 084670108 17,280 54 SH   DFND   54 0 0
COMCAST CORP NEW COM CL A CL A 20030N101 153,271 3,313,244 SH   DFND   2,783,312 1,622 528,310
VIACOMCBS INC CL B 92556H206 330 11,790 SH   DFND   11,790 0 0
BROWN-FORMAN CORP CL B 115637209 529 7,025 SH   DFND   7,025 0 0
NIKE INC CL B CL B 654106103 2,641 21,039 SH   DFND   17,039 0 4,000
UNITED PARCEL SVC INC CL B CL B 911312106 68,233 409,489 SH   DFND   406,052 199 3,238
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 5,698 26,759 SH   DFND   25,659 0 1,100
MASTERCARD CLA 57636Q104 203,866 602,852 SH   DFND   504,103 380 98,369
REPUBLIC FIRST BANCORP INC COM COM 760416107 92 46,565 SH   DFND   46,565 0 0
OCCIDENTAL PETE CORP COM 674599105 138 13,788 SH   DFND   13,788 0 0
CAMPBELL SOUP CO COM 134429109 209 4,314 SH   DFND   1,705 0 2,609
L3HARRIS TECHNOLOGIES INC COM 502431109 211 1,240 SH   DFND   1,240 0 0
WALGREENS BOOTS ALLIANCE, INC COM 931427108 212 5,903 SH   DFND   5,903 0 0
OTIS WORLDWIDE CORP COM 68902V107 221 3,547 SH   DFND   3,547 0 0
REGENERON PHARMACEUTICALS COM 75886F107 224 400 SH   DFND   400 0 0
HUBBELL INC COM 443510607 234 1,710 SH   DFND   1,710 0 0
PROGRESSIVE CORP OHIO COM 743315103 242 2,558 SH   DFND   2,558 0 0
EXELON CORP COM 30161N101 242 6,778 SH   DFND   6,778 0 0
CARRIER GLOBAL CORP COM 14448C104 246 8,052 SH   DFND   8,052 0 0
GENERAL ELECTRIC COM 369604103 249 39,897 SH   DFND   39,897 0 0
BLACK KNIGHT INC COM 09215C105 263 3,023 SH   DFND   3,023 0 0
DIGITAL REALTY TRUST COM 253868103 273 1,862 SH   DFND   1,862 0 0
AMETEK INC COM 031100100 295 2,965 SH   DFND   2,965 0 0
ALLSTATE CORP COM 020002101 298 3,165 SH   DFND   3,165 0 0
INTL FLAVORS & FRAGRANCES COM 459506101 304 2,485 SH   DFND   2,485 0 0
INTERACTIVE BROKERS GROUP COM 45841N107 309 6,400 SH   DFND   6,400 0 0
CITIZENS FINANCIAL COM 174610105 319 12,625 SH   DFND   12,625 0 0
DOVER CORP COM 260003108 336 3,100 SH   DFND   3,100 0 0
PAYCHEX INC COM 704326107 343 4,301 SH   DFND   4,301 0 0
LINDE PLC COM G5494J103 347 1,456 SH   DFND   1,456 0 0
V F CORPORATION COM 918204108 372 5,293 SH   DFND   5,293 0 0
CUMMINS INC COM 231021106 376 1,781 SH   DFND   1,781 0 0
SEI INVESTMENTS CO COM 784117103 380 7,500 SH   DFND   7,500 0 0
NUVEEN MA QUALITY MUNI INC FD COM 67061E104 386 27,500 SH   DFND   27,500 0 0
UGI CORP NEW COM 902681105 404 12,258 SH   DFND   12,258 0 0
FASTENAL COMPANY COM 311900104 413 9,170 SH   DFND   9,170 0 0
PPL CORP COM COM 69351T106 415 15,236 SH   DFND   15,236 0 0
M & T BK CORP COM 55261F104 417 4,531 SH   DFND   4,531 0 0
ROSS STORES INC COM 778296103 426 4,565 SH   DFND   4,565 0 0
SOUTHERN CO COM 842587107 453 8,361 SH   DFND   8,361 0 0
FLEETCOR TECHNOLOGIES INC. COM 339041105 476 2,000 SH   DFND   2,000 0 0
PUBLIC SVC ENTERPRISES COM 744573106 543 9,893 SH   DFND   9,893 0 0
TRAVELERS COMPANIES INC COM 89417E109 558 5,158 SH   DFND   2,325 0 2,833
HANOVER FOODS CORP - CL A COM 41078W100 587 7,333 SH   DFND   7,333 0 0
LILLY, ELI & COMPANY COM 532457108 594 4,014 SH   DFND   3,814 0 200
COPART, INC COM 217204106 595 5,654 SH   DFND   5,654 0 0
CANADIAN NATL RAILWAY CO COM 136375102 601 5,650 SH   DFND   5,650 0 0
TRANSDIGM GROUP, INC. COM 893641100 618 1,300 SH   DFND   1,300 0 0
FIDELITY NATIONAL INFO SVCS COM 31620M106 627 4,257 SH   DFND   4,257 0 0
ZIMMER HLDGS INC COM 98956P102 632 4,640 SH   DFND   4,640 0 0
CIGNA CORP COM 125523100 640 3,777 SH   DFND   3,777 0 0
PHILLIPS 66 COM 718546104 662 12,769 SH   DFND   12,769 0 0
JACK HENRY & ASSOCIATES INC. COM 426281101 683 4,200 SH   DFND   3,900 300 0
CLOROX CO COM 189054109 753 3,582 SH   DFND   3,582 0 0
NETFLIX INC COM 64110L106 758 1,515 SH   DFND   1,515 0 0
PPG INDS INC COM 693506107 773 6,331 SH   DFND   6,331 0 0
DEERE & CO. COM 244199105 775 3,499 SH   DFND   3,499 0 0
THE HERSHEY COMPANY COM 427866108 781 5,452 SH   DFND   5,452 0 0
PUBLIC STORAGE COM 74460D109 824 3,700 SH   DFND   3,700 0 0
BOEING CO COM 097023105 848 5,129 SH   DFND   5,051 0 78
KROGER CO COM 501044101 903 26,637 SH   DFND   26,637 0 0
AFLAC COM 001055102 909 25,000 SH   DFND   25,000 0 0
CATERPILLAR INC COM 149123101 943 6,326 SH   DFND   6,076 0 250
SYSCO CORP COM 871829107 946 15,200 SH   DFND   15,200 0 0
ANTHEM INC COM 036752103 1,013 3,770 SH   DFND   3,770 0 0
GENERAL MILLS INC COM 370334104 1,040 16,858 SH   DFND   13,958 0 2,900
ESSENTIAL UTILITIES INC COM 29670G102 1,088 27,028 SH   DFND   25,071 0 1,957
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 1,142 3,750 SH   DFND   3,750 0 0
CONOCOPHILLIPS COM 20825C104 1,147 34,921 SH   DFND   34,921 0 0
PAYPAL HOLDINGS, INC. COM 70450Y103 1,219 6,188 SH   DFND   6,013 175 0
CONSOLIDATED EDISON INC COM 209115104 1,250 16,069 SH   DFND   16,069 0 0
WELLS FARGO CO COM 949746101 1,271 54,074 SH   DFND   54,074 0 0
CHEMOURS COMPANY COM 163851108 1,332 63,721 SH   DFND   63,721 0 0
TEXAS INSTRUMENTS INC COM 882508104 1,344 9,409 SH   DFND   9,409 0 0
DOMINION ENERGY INC COM 25746U109 1,353 17,144 SH   DFND   17,144 0 0
CHUBB LTD COM H1467J104 1,430 12,319 SH   DFND   12,319 0 0
FEDEX CORP COM 31428X106 1,461 5,808 SH   DFND   5,808 0 0
PNC FINANCIAL CORP COM 693475105 1,509 13,732 SH   DFND   13,732 0 0
CHURCH & DWIGHT CO COM 171340102 1,528 16,306 SH   DFND   16,306 0 0
ENTERPRISE PRODUCTS PARTNERS COM 293792107 1,533 97,061 SH   DFND   97,061 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 1,588 3,596 SH   DFND   3,596 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,857 5,885 SH   DFND   5,885 0 0
AMERICAN EXPRESS CO COM 025816109 2,007 20,015 SH   DFND   20,015 0 0
GLATFELTER P H CO COM 377316104 2,233 162,145 SH   DFND   162,145 0 0
EMERSON ELECTRIC CO COM 291011104 2,433 37,098 SH   DFND   33,598 0 3,500
QUALCOMM INC COM 747525103 2,542 21,604 SH   DFND   21,604 0 0
STRYKER CORP COM 863667101 2,605 12,500 SH   DFND   12,500 0 0
DANAHER CORP COM 235851102 2,660 12,353 SH   DFND   12,353 0 0
WALMART INC COM 931142103 2,720 19,440 SH   DFND   19,440 0 0
WASTE MGMT INC DEL COM 94106L109 2,771 24,483 SH   DFND   24,483 0 0
INTERNATIONAL BUSINESS MACHINES COM 459200101 2,796 22,980 SH   DFND   21,406 0 1,574
NESTLE S A SPON ADR REG COM 641069406 3,092 25,931 SH   DFND   25,931 0 0
COLGATE-PALMOLIVE CO COM 194162103 3,582 46,427 SH   DFND   33,957 0 12,470
NORFOLK SOUTHERN CORP COM 655844108 3,606 16,851 SH   DFND   16,851 0 0
SHERWIN WILLIAMS CO COM 824348106 3,714 5,330 SH   DFND   5,244 86 0
TARGET CORP COM 87612E106 3,733 23,713 SH   DFND   23,588 0 125
ILLINOIS TOOL WKS INC COM 452308109 4,073 21,081 SH   DFND   20,882 199 0
CORTEVA INC COM 22052L104 4,230 146,832 SH   DFND   146,832 0 0
NEXTERA ENERGY INC COM 65339F101 4,453 16,045 SH   DFND   16,045 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 4,862 80,651 SH   DFND   79,451 0 1,200
AMAZON.COM INC COM 023135106 5,378 1,708 SH   DFND   1,708 0 0
EXXON MOBIL CORP COM 30231G102 6,138 178,808 SH   DFND   168,380 0 10,428
3M COMPANY COM 88579Y101 6,446 40,243 SH   DFND   29,043 0 11,200
ALTRIA GROUP INC COM COM 02209S103 7,277 188,335 SH   DFND   187,142 0 1,193
KIMBERLY CLARK CORP COM 494368103 7,311 49,510 SH   DFND   48,250 0 1,260
ABBVIE INC. COM 00287Y109 8,059 92,006 SH   DFND   72,003 0 20,003
ABBOTT LABS COM 002824100 8,245 75,762 SH   DFND   63,860 0 11,902
AMERICAN ELECTRIC POWER COM 025537101 10,744 131,457 SH   DFND   130,916 0 541
AT&T INC COM 00206R102 11,396 399,718 SH   DFND   395,187 0 4,531
UNION PACIFIC CORP COM 907818108 11,647 59,159 SH   DFND   57,649 0 1,510
INTEL CORP COM 458140100 14,748 284,815 SH   DFND   283,550 0 1,265
VERIZON COMMUNICATIONS COM 92343V104 15,105 253,903 SH   DFND   250,153 0 3,750
LOCKHEED MARTIN CORP COM 539830109 15,322 39,977 SH   DFND   39,817 0 160
AMGEN INC COM 031162100 15,822 62,254 SH   DFND   62,254 0 0
PFIZER INC COM 717081103 17,228 469,427 SH   DFND   458,608 0 10,819
DOW INC COM 260557103 24,191 514,159 SH   DFND   512,710 0 1,449
CHEVRON CORPORATION COM 166764100 25,852 359,062 SH   DFND   347,269 259 11,534
AMERICAN TOWER CORP COM 03027X100 29,363 121,469 SH   DFND   119,791 216 1,462
PROCTER & GAMBLE COM 742718109 31,847 229,135 SH   DFND   162,208 0 66,927
HOME DEPOT INC COM 437076102 32,786 118,059 SH   DFND   114,318 0 3,741
TRUIST FINANCIAL CORP COM 89832Q109 35,768 940,035 SH   DFND   930,394 1,230 8,411
PHILIP MORRIS INTL,INC COM 718172109 37,181 495,819 SH   DFND   491,445 616 3,758
AUTOMATIC DATA PROCESSING COM 053015103 40,876 293,042 SH   DFND   288,655 240 4,147
GENUINE PARTS CO COM 372460105 43,499 457,064 SH   DFND   453,848 476 2,740
CISCO SYS INC COM 17275R102 46,505 1,180,617 SH   DFND   1,171,589 944 8,084
MERCK & CO COM 58933Y105 55,293 666,584 SH   DFND   651,175 778 14,631
MCDONALDS CORP COM 580135101 57,738 263,057 SH   DFND   239,802 311 22,944
ECOLAB INC COM 278865100 70,379 352,176 SH   DFND   305,615 315 46,246
RAYTHEON TECHNOLOGIES CORP COM 75513E101 77,692 1,350,223 SH   DFND   1,159,670 693 189,860
COSTCO WHSL CORP NEW COM COM 22160K105 84,596 238,299 SH   DFND   207,605 228 30,466
COCA-COLA CO COM 191216100 85,346 1,728,702 SH   DFND   1,477,318 871 250,513
STARBUCKS CORP COM 855244109 86,935 1,011,813 SH   DFND   873,727 672 137,414
ORACLE SYS CORP COM 68389X105 96,657 1,619,052 SH   DFND   1,355,636 811 262,605
BAXTER INTL INC COM 071813109 99,356 1,235,459 SH   DFND   1,050,152 563 184,744
DUPONT DE NEMOURS INC COM 26614N102 109,631 1,976,040 SH   DFND   1,760,216 1,057 214,767
AIR PRODUCTS & CHEMICALS INC COM 009158106 111,764 375,223 SH   DFND   325,248 192 49,783
S&P GLOBAL INC COM 78409V104 113,964 316,039 SH   DFND   264,519 350 51,170
HONEYWELL INTERNATIONAL, INC. COM 438516106 117,364 712,984 SH   DFND   620,066 485 92,433
BECTON DICKINSON COM 075887109 128,426 551,941 SH   DFND   467,436 383 84,122
CVS HEALTH CORPORATION COM 126650100 133,918 2,293,121 SH   DFND   2,023,257 1,264 268,600
TJX COS INC NEW COM 872540109 140,549 2,525,582 SH   DFND   2,105,548 1,214 418,820
J.P. MORGAN CHASE & CO COM 46625H100 140,686 1,461,364 SH   DFND   1,253,529 896 206,939
DOLLAR GENERAL CORP COM 256677105 143,841 686,197 SH   DFND   586,392 452 99,353
UNITEDHEALTH GROUP INC COM 91324P102 160,319 514,223 SH   DFND   423,203 277 90,743
PEPSICO INC COM 713448108 162,597 1,173,139 SH   DFND   1,007,544 477 165,118
JOHNSON & JOHNSON COM 478160104 171,536 1,152,178 SH   DFND   988,467 826 162,885
BLACKROCK INC COM 09247X101 176,025 312,351 SH   DFND   266,418 154 45,779
LOWES COS INC COM 548661107 220,725 1,330,792 SH   DFND   1,112,133 600 218,059
MICROSOFT CORP COM 594918104 292,301 1,389,728 SH   DFND   1,238,372 800 150,556
APPLE INC COM 037833100 323,766 2,795,665 SH   DFND   2,416,335 1,844 377,486
CME GROUP INC. COM CL A 12572Q105 216 1,294 SH   DFND   1,294 0 0
VISA INC COM CL A 92826C839 2,576 12,883 SH   DFND   12,883 0 0
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 128,146 1,032,769 SH   DFND   861,732 554 170,483
U S BANCORP COM NEW 902973304 483 13,480 SH   DFND   4,480 0 9,000
DUKE ENERGY CORP COM NEW 26441C204 1,019 11,508 SH   DFND   11,508 0 0
MCCORMICK & CO COM NON VTG 579780206 267 1,375 SH   DFND   1,375 0 0
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 284 8,295 SH   DFND   8,295 0 0
ENERGY TRANSFER COM UT LTD PTN 29273V100 534 98,545 SH   DFND   98,545 0 0
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 956 16,101 SH   DFND   16,101 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 114,419 1,898,122 SH   DFND   1,840,420 2,162 55,540
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 280,259 5,307,942 SH   DFND   5,158,700 6,448 142,794
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,085 18,590 SH   DFND   18,590 0 0
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 146,914 437,165 SH   DFND   430,722 476 5,967
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 84,286 454,840 SH   DFND   443,261 449 11,130
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 148,928 2,120,570 SH   DFND   2,069,800 2,109 48,661
ISHARES CORE TOTAL U.S. BOND MARKET ETF CORE US AGGBD ET 464287226 377 3,195 SH   DFND   3,195 0 0
VANGUARD DIVIDEND DIV APP ETF 921908844 18,894 146,850 SH   DFND   146,850 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 282 3,136 SH   DFND   3,136 0 0
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 1,517 27,500 SH   DFND   27,500 0 0
COLUMBIA EMERGING MARKETS CONSUMER ETF EMRG MARKETS ETF 19762B509 402 16,025 SH   DFND   16,025 0 0
VANGUARD ESG INTL STOCK ETF ESG INTL STK ETF 921910725 1,079 20,920 SH   DFND   20,920 0 0
VANGUARD ESG US STOCK ETF ESG US STK ETF 921910733 530 8,573 SH   DFND   8,573 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXPANDED TECH 464287515 303 975 SH   DFND   975 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 1,960 38,653 SH   DFND   38,653 0 0
FNF GROUP FNF GROUP COM 31620R303 281 8,990 SH   DFND   8,990 0 0
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 4,860 118,836 SH   DFND   118,836 0 0
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 5,720 132,295 SH   DFND   132,295 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 639 12,183 SH   DFND   12,183 0 0
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 42,689 405,444 SH   DFND   393,373 587 11,484
SPDR GOLD TRUST GOLD SHS 78463V107 1,775 10,021 SH   DFND   10,021 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 294 1,290 SH   DFND   1,290 0 0
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 1,097 13,555 SH   DFND   13,555 0 0
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 421 5,023 SH   DFND   5,023 0 0
ISHARES IBOXX INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 1,017 7,551 SH   DFND   6,911 0 640
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 3,318 10,655 SH   DFND   10,655 0 0
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 66,912 983,277 SH   DFND   963,527 1,028 18,722
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 46,706 768,071 SH   DFND   755,514 788 11,769
WISDOMTREE DEFA FUND INTL EQUITY FD 97717W703 442 9,720 SH   DFND   9,720 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 461 18,494 SH   DFND   18,494 0 0
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 624 5,297 SH   DFND   5,297 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 271 2,830 SH   DFND   2,830 0 0
VANGUARD LARGE - CAP ETF LARGE CAP ETF 922908637 233 1,490 SH   DFND   1,490 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 79,318 718,465 SH   DFND   706,193 432 11,840
VANGUARD MID-CAP GROWTH ETF MCAP GR IDXVIP 922908538 284 1,574 SH   DFND   1,574 0 0
VANGUARD MID-CAP ETF MID CAP ETF 922908629 1,019 5,781 SH   DFND   5,781 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,158 14,494 SH   DFND   14,494 0 0
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 8,468 184,123 SH   DFND   183,028 125 970
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 1,177 18,485 SH   DFND   18,485 0 0
ISHARES MSCI EMERGING MARKETS INDEX FUND MSCI EMG MKT ETF 464287234 534 12,101 SH   DFND   12,101 0 0
UNILEVER N V WI N Y SHS NEW 904784709 3,168 52,444 SH   DFND   35,209 0 17,235
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 904 7,800 SH   DFND   7,800 0 0
NUVEEN ESG EMERGING MARKETS NUVEEN ESG EMRGN 67092P888 610 21,500 SH   DFND   21,500 0 0
VANGUARD REIT ETF REIT ETF 922908553 3,389 42,916 SH   DFND   42,916 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 309 1,649 SH   DFND   1,649 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 4,752 21,909 SH   DFND   21,909 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 627 5,309 SH   DFND   5,309 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 1,185 5,350 SH   DFND   5,350 0 0
ISHARES RUSSELL MID CAP VALUE INDEX FUND RUS MDCP VAL ETF 464287473 305 3,771 SH   DFND   3,771 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 1,344 7,772 SH   DFND   7,772 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 1,234 21,504 SH   DFND   21,504 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 1,846 12,327 SH   DFND   12,327 0 0
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 274 1,400 SH   DFND   1,400 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 4,834 15,714 SH   DFND   15,714 0 0
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 1,595 6,904 SH   DFND   6,904 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 285 3,082 SH   DFND   3,082 0 0
INVESCO S&P 500 EQUAL WEIGHT S&P500 EQL TEC 46137V282 232 1,100 SH   DFND   1,100 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 8,602 79,570 SH   DFND   79,570 0 0
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 819 13,788 SH   DFND   13,788 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 3,732 45,768 SH   DFND   45,768 0 0
ISHARES S&P SHORT TERM NATIONAL AMT-FREE MUNICIPAL SHRT NAT MUN ETF 464288158 1,193 11,037 SH   DFND   11,037 0 0
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 7,787 190,631 SH   DFND   189,753 0 878
EATON CORP, PLC SHS G29183103 9,080 88,998 SH   DFND   88,650 0 348
MEDTRONIC PLC SHS G5960L103 87,423 841,251 SH   DFND   754,000 593 86,658
ACCENTURE LTD SHS CLASS A G1151C101 171,682 759,691 SH   DFND   627,253 427 132,011
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 3,776 75,357 SH   DFND   75,357 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 1,750 11,381 SH   DFND   11,381 0 0
SAP SE SPONSORED ADR SPON ADR 803054204 925 5,937 SH   DFND   5,937 0 0
ROYAL DUTCH SHELL PLC - ADR SPON ADR B 780259107 5,081 209,793 SH   DFND   208,551 0 1,242
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 10,519 170,546 SH   DFND   169,946 0 600
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 23,425 170,164 SH   DFND   168,642 282 1,240
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 629 25,008 SH   DFND   24,308 0 700
BP PLC SPONSORED ADR 055622104 1,236 70,768 SH   DFND   70,768 0 0
NOVARTIS AG - ADR SPONSORED ADR 66987V109 3,004 34,543 SH   DFND   33,543 0 1,000
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 12,223 324,742 SH   DFND   234,411 806 89,525
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 16,275 487,997 SH   DFND   482,833 357 4,807
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 422 3,619 SH   DFND   3,619 0 0
ISHARES BARCLAYS TIPS BOND FUND TIPS BD ETF 464287176 403 3,187 SH   DFND   3,187 0 0
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 34,690 203,688 SH   DFND   203,688 0 0
SPDR TR UNIT SER 1 TR UNIT 78462F103 48,109 143,655 SH   DFND   103,180 0 40,475
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 1,584 43,445 SH   DFND   43,445 0 0
ISHARES DJ US TECHNOLOGY SECTOR INDEX FUND U.S. TECH ETF 464287721 835 2,772 SH   DFND   2,772 0 0
ISHARES ULTRA SHORT-TERM BOND ULTR SH TRM BD 46434V878 14,239 281,569 SH   DFND   279,569 0 2,000
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 6,780 24,403 SH   DFND   24,245 0 158
SCHWAB US DVD EQUITY ETF US DIVIDEND EQ 808524797 258 4,659 SH   DFND   4,659 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 297 1,473 SH   DFND   1,473 0 0
ISHARES US TREASURY BOND ETF US TREAS BD ETF 46429B267 442 15,818 SH   DFND   15,818 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 1,407 4,154 SH   DFND   4,154 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 365 3,490 SH   DFND   3,490 0 0
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 3,342 64,069 SH   DFND   64,069 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 207 1,411 SH   DFND   1,411 0 0
ISHARES TR MSCI USA ESG SLC 464288802 210 1,430 SH   DFND   1,430 0 0
JP MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 212 4,170 SH   DFND   4,170 0 0
XYLEM INC COM 98419M100 212 2,520 SH   DFND   2,520 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 214 1,475 SH   DFND   1,475 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 214 3,367 SH   DFND   3,367 0 0
ARK ETF TR INNOVATION ETF 00214Q104 216 2,352 SH   DFND   2,352 0 0
ISHARES TR GLOBAL TECH ETF 464287291 217 822 SH   DFND   822 0 0
CHARTER COMMUNICATIONS INC N CL A 16119P108 217 348 SH   DFND   348 0 0
SALESFORCE.COM INC COM 79466L302 222 882 SH   DFND   882 0 0
GRAINGER W W INC COM 384802104 227 635 SH   DFND   635 0 0
THE TRADE DESK INC COM CL A 88339J105 244 470 SH   DFND   470 0 0
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409 286 6,760 SH   DFND   6,760 0 0
QUANTA SVCS INC COM 74762E102 367 6,936 SH   DFND   6,936 0 0
ISHARES TR ESG AWARE MSCI 46435U663 411 15,480 SH   DFND   15,480 0 0
BLACKSTONE GROUP INC COM CL A 09260D107 415 7,942 SH   DFND   7,942 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 457 4,450 SH   DFND   4,450 0 0
AON PLC SHS CL A G0403H108 491 2,382 SH   DFND   2,382 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 494 13,861 SH   DFND   13,861 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 25,625 176,116 SH   DFND   173,576 225 2,315