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   285,566 2,089 SH   DFND   0 0 2,089
3M Co COM 88579Y101   324,389 2,373 SH   SOLE   2,373 0 0
ADVANCED MICRO DEV COM 007903107   13,947 85 SH   DFND   0 0 85
ADVANCED MICRO DEV COM 007903107   28,714 175 SH   SOLE   175 0 0
AGILENT TECHS INC COM 00846U101   93,542 630 SH   DFND   325 0 305
ALBEMARLE CORP COM 012653101   271,534 2,867 SH   DFND   0 0 2,867
ALBEMARLE CORP COM 012653101   16,574 175 SH   SOLE   175 0 0
ALCON AG ORD SHS H01301128   22,015 220 SH   SOLE   220 0 0
ALPHABET INC CAP STK CL A 02079K305   298,530 1,800 SH   DFND   100 0 1,700
ALPHABET INC CAP STK CL A 02079K305   12,414,868 74,856 SH   SOLE   73,698 0 1,158
ALTRIA GROUP INC COM 02209S103   222,126 4,352 SH   DFND   0 0 4,352
ALTRIA GROUP INC COM 02209S103   94,373 1,849 SH   SOLE   1,849 0 0
AMER EXPRESS CO COM 025816109   352,560 1,300 SH   DFND   0 0 1,300
AMER EXPRESS CO COM 025816109   324,898 1,198 SH   SOLE   1,198 0 0
AMER INTL GRP COM NEW 026874784   14,280 195 SH   DFND   0 0 195
AMER INTL GRP COM NEW 026874784   159,202 2,174 SH   SOLE   2,174 0 0
ANALOG DEVICES INC COM 032654105   4,143 18 SH   SOLE   18 0 0
APA Corp COM 03743Q108   51,415 2,102 SH   DFND   0 0 2,102
APPLIED MATERIALS COM 038222105   10,103 50 SH   SOLE   50 0 0
ASML HOLDING NV N Y REGISTRY SHS N07059210   16,665 20 SH   SOLE   20 0 0
AT&T INC COM 00206R102   646,910 29,405 SH   DFND   2,700 0 26,705
AT&T INC COM 00206R102   182,996 8,318 SH   SOLE   8,318 0 0
AUTOMATIC DATA PROCESSING COM 053015103   1,783,802 6,446 SH   DFND   161 0 6,285
AUTOMATIC DATA PROCESSING COM 053015103   1,284,581 4,642 SH   SOLE   4,642 0 0
AUTOZONE INC COM 053332102   340,204 108 SH   DFND   0 0 108
AbbVie Inc COM 00287Y109   5,279,825 26,736 SH   DFND   0 0 26,736
AbbVie Inc COM 00287Y109   1,389,272 7,035 SH   SOLE   7,035 0 0
Abbott Laboratories COM 002824100   2,641,384 23,168 SH   DFND   150 0 23,018
Abbott Laboratories COM 002824100   8,965,404 78,637 SH   SOLE   77,855 0 782
Accenture PLC SHS CLASS A G1151C101   41,004 116 SH   DFND   20 0 96
Accenture PLC SHS CLASS A G1151C101   6,382,788 18,057 SH   SOLE   17,684 0 373
Adobe Inc COM 00724F101   211,772 409 SH   DFND   9 0 400
Adobe Inc COM 00724F101   6,700,591 12,941 SH   SOLE   12,725 0 216
Aflac Inc COM 001055102   37,229 333 SH   SOLE   333 0 0
Air Products and Chemicals Inc COM 009158106   615,131 2,066 SH   DFND   0 0 2,066
Air Products and Chemicals Inc COM 009158106   52,105 175 SH   SOLE   175 0 0
Alcoa Corp COM 013872106   77,160 2,000 SH   DFND   0 0 2,000
Allstate Corp/The COM 020002101   8,345 44 SH   DFND   0 0 44
Allstate Corp/The COM 020002101   2,465 13 SH   SOLE   13 0 0
Alphabet Inc CAP STK CL C 02079K107   502 3 SH   DFND   0 0 3
Alphabet Inc CAP STK CL C 02079K107   715,573 4,280 SH   SOLE   4,280 0 0
Amazon.com Inc COM 023135106   372,474 1,999 SH   DFND   200 0 1,799
Amazon.com Inc COM 023135106   13,892,392 74,558 SH   SOLE   73,099 0 1,459
Amcor PLC ORD G0250X107   4,997 441 SH   SOLE   441 0 0
American Airlines Group Inc COM 02376R102   8,823 785 SH   DFND   0 0 785
American Electric Power Co Inc COM 025537101   111,424 1,086 SH   DFND   0 0 1,086
American Electric Power Co Inc COM 025537101   19,084 186 SH   SOLE   186 0 0
American Software Inc/GA CL A 029683109   13,428 1,200 SH   DFND   1,200 0 0
American Tower Corp COM 03027X100   151,164 650 SH   DFND   650 0 0
American Tower Corp COM 03027X100   3,023 13 SH   SOLE   13 0 0
American Water Works Co Inc COM 030420103   117,284 802 SH   DFND   0 0 802
American Water Works Co Inc COM 030420103   3,585,366 24,517 SH   SOLE   24,517 0 0
Ameriprise Financial Inc COM 03076C106   74,700 159 SH   DFND   0 0 159
Amgen Inc COM 031162100   29,321 91 SH   DFND   27 0 64
Amgen Inc COM 031162100   10,413,827 32,320 SH   SOLE   31,900 0 420
Amphenol Corp CL A 032095101   7,559 116 SH   SOLE   116 0 0
Annaly Capital Management Inc COM NEW 035710839   10,035 500 SH   DFND   0 0 500
Apple Inc COM 037833100   4,200,524 18,028 SH   DFND   5,258 0 12,770
Apple Inc COM 037833100   45,196,408 193,976 SH   SOLE   191,158 0 2,818
Aptiv PLC SHS G6095L109   7,201 100 SH   DFND   100 0 0
ArcBest Corp COM 03937C105   2,711 25 SH   DFND   0 0 25
Archer-Daniels-Midland Co COM 039483102   22,343 374 SH   SOLE   374 0 0
Arthur J Gallagher & Co COM 363576109   319,074 1,134 SH   DFND   43 0 1,091
Arthur J Gallagher & Co COM 363576109   14,099,451 50,110 SH   SOLE   49,686 0 424
Ashland Inc COM 044186104   299,351 3,442 SH   DFND   0 0 3,442
AstraZeneca PLC SPONSORED ADR 046353108   194,775 2,500 SH   DFND   0 0 2,500
Atmos Energy Corp COM 049560105   104,033 750 SH   DFND   0 0 750
Autoliv Inc COM 052800109   560 6 SH   DFND   0 0 6
Azenta Inc COM 114340102   29,064 600 SH   DFND   600 0 0
BAXTER INTL INC COM 071813109   18,985 500 SH   DFND   400 0 100
BCE Inc COM NEW 05534B760   13,920 400 SH   DFND   400 0 0
BCE Inc COM NEW 05534B760   3,367,457 96,766 SH   SOLE   96,766 0 0
BECTON DICKINSON COM 075887109   36,165 150 SH   SOLE   150 0 0
BEST BUY CO INC COM 086516101   87,805 850 SH   DFND   0 0 850
BK OF AMERICA CORP COM 060505104   250,460 6,312 SH   DFND   0 0 6,312
BK OF AMERICA CORP COM 060505104   58,131 1,465 SH   SOLE   1,465 0 0
BK OF MONTREAL COM 063671101   90,200 1,000 SH   DFND   0 0 1,000
BK OF NOVA SCOTIA COM 064149107   70,837 1,300 SH   DFND   0 0 1,300
BK OF NY MELLON CP COM 064058100   214,861 2,990 SH   DFND   0 0 2,990
BK OF NY MELLON CP COM 064058100   16,097 224 SH   SOLE   224 0 0
BOEING CO COM 097023105   74,196 488 SH   DFND   0 0 488
BOEING CO COM 097023105   15,204 100 SH   SOLE   100 0 0
BP PLC SPONSORED ADR 055622104   9,040 288 SH   DFND   0 0 288
BP PLC SPONSORED ADR 055622104   37,668 1,200 SH   SOLE   1,200 0 0
BRIGHTHOUSE FINANCIAL INC. COM 10922N103   675 15 SH   SOLE   15 0 0
BRISTOL-MYRS SQUIB COM 110122108   73,988 1,430 SH   DFND   200 0 1,230
BRISTOL-MYRS SQUIB COM 110122108   396,121 7,656 SH   SOLE   7,656 0 0
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   3,658 100 SH   DFND   0 0 100
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107   18,034 493 SH   SOLE   493 0 0
BXP Inc COM 101121101   4,023 50 SH   SOLE   50 0 0
Bar Harbor Bankshares COM 066849100   50,886 1,650 SH   DFND   0 0 1,650
Beam Global COM 07373B109   25 5 SH   DFND   0 0 5
Berkshire Hathaway Inc CL B NEW 084670702   17,030 37 SH   DFND   30 0 7
Berkshire Hathaway Inc CL B NEW 084670702   10,004,672 21,737 SH   SOLE   21,395 0 342
Beyond Meat Inc COM 08862E109   576 85 SH   DFND   0 0 85
Biogen Inc COM 09062X103   15,701 81 SH   SOLE   81 0 0
Black Hills Corp COM 092113109   24,448 400 SH   DFND   400 0 0
BlackRock Fund Advisors US EQT FACTOR 09290C103   30,869 624 SH   SOLE   624 0 0
BlackRock Fund Advisors MSCI JAPN SMCETF 464286582   29,599 375 SH   DFND   0 0 375
BlackRock Fund Advisors MSCI EAFE ETF 464287465   75,267 900 SH   DFND   0 0 900
BlackRock Fund Advisors MSCI EAFE ETF 464287465   1,132,099 13,537 SH   SOLE   13,537 0 0
BlackRock Fund Advisors S&P MC 400GR ETF 464287606   189,835 2,065 SH   DFND   0 0 2,065
BlackRock Fund Advisors S&P MC 400GR ETF 464287606   256,760 2,793 SH   SOLE   2,793 0 0
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   270,645 2,314 SH   DFND   0 0 2,314
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   896,849 7,668 SH   SOLE   7,668 0 0
BlackRock Fund Advisors SHRT NAT MUN ETF 464288158   2,264,608 21,326 SH   SOLE   21,326 0 0
BlackRock Fund Advisors EAFE SML CP ETF 464288273   88,010 1,300 SH   DFND   0 0 1,300
BlackRock Fund Advisors EAFE SML CP ETF 464288273   17,670 261 SH   SOLE   261 0 0
BlackRock Fund Advisors MRGSTR SM CP GR 464288604   95,178 1,944 SH   DFND   0 0 1,944
BlackRock Fund Advisors 3 7 YR TREAS BD 464288661   18,778 157 SH   DFND   0 0 157
BlackRock Fund Advisors EAFE GRWTH ETF 464288885   17,978 167 SH   SOLE   167 0 0
BlackRock Fund Advisors INDIA 50 ETF 464289529   22,520 400 SH   DFND   0 0 400
BlackRock Fund Advisors US TREAS BD ETF 46429B267   586 25 SH   DFND   0 0 25
BlackRock Fund Advisors 0-5 YR TIPS ETF 46429B747   13,273 131 SH   SOLE   131 0 0
BlackRock Fund Advisors CORE MSCI EMKT 46434G103   306,856 5,345 SH   DFND   0 0 5,345
BlackRock Fund Advisors CORE MSCI EMKT 46434G103   359,042 6,254 SH   SOLE   6,254 0 0
BlackRock Fund Advisors MSCI SINGPOR ETF 46434G780   22,150 1,000 SH   DFND   0 0 1,000
BlackRock Fund Advisors MSCI JPN ETF NEW 46434G822   28,616 400 SH   DFND   0 0 400
BlackRock Fund Advisors ESG AWR MSCI EM 46434G863   4,478 123 SH   SOLE   123 0 0
BlackRock Fund Advisors CORE MSCI INTL 46435G326   2,054 29 SH   DFND   0 0 29
BlackRock Funds/Closed-End/USA COM 09255C106   152,077 13,627 SH   DFND   0 0 13,627
BlackRock Inc COM 09247X101   218,387 230 SH   DFND   78 0 152
BlackRock Inc COM 09247X101   10,550,955 11,112 SH   SOLE   11,064 0 48
Blackstone Inc COM 09260D107   229,695 1,500 SH   SOLE   1,500 0 0
Block Inc CL A 852234103   1,007 15 SH   DFND   0 0 15
Bloom Energy Corp COM CL A 093712107   3,168 300 SH   DFND   300 0 0
Booking Holdings Inc COM 09857L108   286,424 68 SH   SOLE   68 0 0
Broadcom Inc COM 11135F101   146,625 850 SH   DFND   850 0 0
Broadcom Inc COM 11135F101   51,750 300 SH   SOLE   300 0 0
Broadstone Net Lease Inc COM 11135E203   2,201,819 116,191 SH   SOLE   116,191 0 0
CARRIER GLOBAL CORP COM 14448C104   18,915 235 SH   DFND   0 0 235
CARRIER GLOBAL CORP COM 14448C104   30,908 384 SH   SOLE   384 0 0
CDN NATL RAILWAYS COM 136375102   23,430 200 SH   SOLE   200 0 0
CDW Corp/DE COM 12514G108   113,150 500 SH   DFND   0 0 500
CHARLES SCHWAB INVESTMENT MANAGEMENT INC EMRG MKTEQ ETF 808524706   13,248 454 SH   SOLE   454 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   67,624 800 SH   DFND   0 0 800
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   13,356 158 SH   SOLE   158 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US TIPS ETF 808524870   7,240 135 SH   DFND   0 0 135
CHUBB LIMITED COM COM H1467J104   54,506 189 SH   SOLE   189 0 0
CIBC COM 136069101   122,680 2,000 SH   DFND   0 0 2,000
CIBC COM 136069101   6,379 104 SH   SOLE   104 0 0
CISCO SYSTEMS COM 17275R102   911,393 17,125 SH   DFND   3,286 0 13,839
CISCO SYSTEMS COM 17275R102   12,088,976 227,151 SH   SOLE   225,016 0 2,135
CME Group Inc COM 12572Q105   110,325 500 SH   DFND   0 0 500
CME Group Inc COM 12572Q105   22,065 100 SH   SOLE   100 0 0
COGNIZANT TECHNOLO CL A 192446102   10,033 130 SH   DFND   0 0 130
COGNIZANT TECHNOLO CL A 192446102   207,537 2,689 SH   SOLE   2,689 0 0
COLGATE-PALMOLIVE COM 194162103   487,907 4,700 SH   SOLE   4,700 0 0
CONAGRA FOODS INC COM 205887102   78,048 2,400 SH   DFND   0 0 2,400
CONAGRA FOODS INC COM 205887102   16,195 498 SH   SOLE   498 0 0
CONOCOPHILLIPS COM 20825C104   164,026 1,558 SH   DFND   0 0 1,558
CONOCOPHILLIPS COM 20825C104   203,296 1,931 SH   SOLE   1,931 0 0
CORNING INC COM 219350105   614,762 13,616 SH   DFND   2,600 0 11,016
CORNING INC COM 219350105   553,313 12,255 SH   SOLE   12,255 0 0
CRANE HOLDINGS CO COM 224441105   5,049 90 SH   DFND   0 0 90
CVS Health Corp COM 126650100   389,856 6,200 SH   DFND   0 0 6,200
CVS Health Corp COM 126650100   40,117 638 SH   SOLE   638 0 0
Campbell Soup Co COM 134429109   489 10 SH   DFND   0 0 10
Cantaloupe Inc COM 138103106   6,697 905 SH   DFND   0 0 905
Capital One Financial Corp COM 14040H105   136,404 911 SH   DFND   0 0 911
CarMax Inc COM 143130102   77,380 1,000 SH   DFND   0 0 1,000
Cardinal Health Inc COM 14149Y108   13,262 120 SH   SOLE   120 0 0
Carpenter Technology Corp COM 144285103   1,284,300 8,048 SH   SOLE   8,048 0 0
Casella Waste Systems Inc CL A 147448104   2,654,095 26,677 SH   SOLE   26,677 0 0
Caterpillar Inc COM 149123101   607,800 1,554 SH   DFND   304 0 1,250
Caterpillar Inc COM 149123101   181,871 465 SH   SOLE   465 0 0
Cenovus Energy Inc COM 15135U109   24,627 1,472 SH   DFND   0 0 1,472
ChargePoint Holdings Inc COM CL A 15961R105   151 110 SH   DFND   0 0 110
Charles Schwab Corp/The COM 808513105   243,232 3,753 SH   SOLE   3,753 0 0
Charles Schwab Investment Management Inc US BRD MKT ETF 808524102   864,627 12,998 SH   DFND   0 0 12,998
Charles Schwab Investment Management Inc US LRG CAP ETF 808524201   5,360 79 SH   SOLE   79 0 0
Charles Schwab Investment Management Inc US SML CAP ETF 808524607   1,339 26 SH   SOLE   26 0 0
Charles Schwab Investment Management Inc INTL EQTY ETF 808524805   1,892 46 SH   SOLE   46 0 0
Charles Schwab Investment Management Inc US AGGREGATE B 808524839   1,140 24 SH   SOLE   24 0 0
Chemed Corp COM 16359R103   186,301 310 SH   SOLE   310 0 0
Chemours Co/The COM 163851108   4,958 244 SH   DFND   0 0 244
Chemours Co/The COM 163851108   406 20 SH   SOLE   20 0 0
Chevron Corp COM 166764100   685,100 4,652 SH   DFND   0 0 4,652
Chevron Corp COM 166764100   2,335,408 15,858 SH   SOLE   15,858 0 0
Chewy Inc CL A 16679L109   305,758 10,439 SH   DFND   0 0 10,439
Chipotle Mexican Grill Inc COM 169656105   8,643 150 SH   SOLE   150 0 0
Church & Dwight Co Inc COM 171340102   191,219 1,826 SH   SOLE   1,826 0 0
Churchill Downs Inc COM 171484108   1,352 10 SH   DFND   0 0 10
Cigna Group/The COM 125523100   25,290 73 SH   DFND   0 0 73
Citigroup Inc COM NEW 172967424   20,470 327 SH   DFND   0 0 327
Clorox Co/The COM 189054109   702,631 4,313 SH   DFND   174 0 4,139
Clorox Co/The COM 189054109   23,296 143 SH   SOLE   143 0 0
Coca-Cola Co/The COM 191216100   1,182,887 16,461 SH   DFND   0 0 16,461
Coca-Cola Co/The COM 191216100   890,992 12,399 SH   SOLE   12,399 0 0
Comcast Corp CL A 20030N101   145,861 3,492 SH   DFND   0 0 3,492
Comcast Corp CL A 20030N101   86,297 2,066 SH   SOLE   2,066 0 0
Conduent Inc COM 206787103   81 20 SH   SOLE   20 0 0
Consolidated Edison Inc COM 209115104   133,599 1,283 SH   DFND   0 0 1,283
Constellation Brands Inc CL A 21036P108   963,761 3,740 SH   SOLE   3,740 0 0
Constellation Energy Corp COM 21037T109   48,364 186 SH   DFND   0 0 186
Constellation Energy Corp COM 21037T109   21,062 81 SH   SOLE   81 0 0
Constellium SE CL A SHS F21107101   3,252 200 SH   DFND   0 0 200
Corteva Inc COM 22052L104   1,235 21 SH   DFND   0 0 21
Corteva Inc COM 22052L104   15,756 268 SH   SOLE   268 0 0
Costco Wholesale Corp COM 22160K105   867,017 978 SH   DFND   454 0 524
Costco Wholesale Corp COM 22160K105   11,968,020 13,500 SH   SOLE   13,140 0 360
Cracker Barrel Old Country Sto COM 22410J106   4,444 98 SH   SOLE   98 0 0
Crane Co COMMON STOCK 224408104   14,245 90 SH   DFND   0 0 90
Crown Castle Inc COM 22822V101   246,276 2,076 SH   DFND   0 0 2,076
DEERE & CO COM 244199105   816,297 1,956 SH   DFND   0 0 1,956
DIAGEO SPON ADR NEW 25243Q205   73,538 524 SH   SOLE   524 0 0
DOMINION RES(VIR) COM 25746U109   145,631 2,520 SH   DFND   300 0 2,220
DOMINION RES(VIR) COM 25746U109   74,549 1,290 SH   SOLE   1,290 0 0
DUKE ENERGY CORP COM NEW 26441C204   315,230 2,734 SH   DFND   72 0 2,662
DUKE ENERGY CORP COM NEW 26441C204   9,488,844 82,297 SH   SOLE   81,833 0 464
Dana Inc COM 235825205   1,056 100 SH   DFND   100 0 0
Danaher Corp COM 235851102   31,694 114 SH   DFND   22 0 92
Danaher Corp COM 235851102   9,474,644 34,079 SH   SOLE   33,708 0 371
Darden Restaurants Inc COM 237194105   17,070 104 SH   DFND   0 0 104
Darden Restaurants Inc COM 237194105   33,483 204 SH   SOLE   204 0 0
Dell Technologies Inc CL C 24703L202   9,365 79 SH   SOLE   79 0 0
Delta Air Lines Inc COM NEW 247361702   70,039 1,379 SH   DFND   0 0 1,379
Dick's Sporting Goods Inc COM 253393102   292,180 1,400 SH   DFND   0 0 1,400
Dimensional Fund Advisors LP INTL SMALL CAP E 25434V773   456 17 SH   DFND   0 0 17
Dollar General Corp COM 256677105   126,855 1,500 SH   DFND   0 0 1,500
Douglas Dynamics Inc COM 25960R105   55,160 2,000 SH   DFND   0 0 2,000
Dover Corp COM 260003108   14,381 75 SH   SOLE   75 0 0
Dow Inc COM 260557103   128,162 2,346 SH   DFND   0 0 2,346
Dow Inc COM 260557103   18,683 342 SH   SOLE   342 0 0
DuPont de Nemours Inc COM 26614N102   8,555 96 SH   DFND   0 0 96
DuPont de Nemours Inc COM 26614N102   3,743 42 SH   SOLE   42 0 0
ECOLAB INC COM 278865100   254,564 997 SH   SOLE   997 0 0
EMERSON ELECTRIC COM 291011104   737,919 6,747 SH   DFND   1,700 0 5,047
EMERSON ELECTRIC COM 291011104   1,087,138 9,940 SH   SOLE   9,940 0 0
ENBRIDGE INC COM 29250N105   10,559 260 SH   SOLE   260 0 0
EOG Resources Inc COM 26875P101   138,296 1,125 SH   DFND   0 0 1,125
EOG Resources Inc COM 26875P101   17,087 139 SH   SOLE   139 0 0
EXCHANGE TRADED CONCEPTS LLC ROBO GLB ETF 301505707   571 10 SH   DFND   0 0 10
EXELON CORP COM 30161N101   135,761 3,348 SH   DFND   0 0 3,348
EXELON CORP COM 30161N101   30,575 754 SH   SOLE   754 0 0
Eaton Corp PLC SHS G29183103   1,004,595 3,031 SH   DFND   0 0 3,031
Elevance Health Inc COM 036752103   30,680 59 SH   SOLE   59 0 0
Eli Lilly & Co COM 532457108   1,463,573 1,652 SH   DFND   30 0 1,622
Eli Lilly & Co COM 532457108   25,984,620 29,330 SH   SOLE   29,070 0 260
Energy Transfer LP COM UT LTD PTN 29273V100   200,625 12,500 SH   DFND   0 0 12,500
Entergy Corp COM 29364G103   157,932 1,200 SH   DFND   0 0 1,200
Entergy Corp COM 29364G103   7,107 54 SH   SOLE   54 0 0
Essential Utilities Inc COM 29670G102   11,571 300 SH   DFND   200 0 100
Essential Utilities Inc COM 29670G102   53,419 1,385 SH   SOLE   1,385 0 0
Etsy Inc COM 29786A106   27,765 500 SH   DFND   0 0 500
Eversource Energy COM 30040W108   5,104 75 SH   DFND   0 0 75
Extra Space Storage Inc COM 30225T102   117,124 650 SH   DFND   0 0 650
Exxon Mobil Corp COM 30231G102   2,115,469 18,047 SH   DFND   2,440 0 15,607
Exxon Mobil Corp COM 30231G102   16,218,090 138,356 SH   SOLE   137,985 0 371
FEDEX CORP COM 31428X106   137,661 503 SH   DFND   0 0 503
FEDEX CORP COM 31428X106   114,672 419 SH   SOLE   419 0 0
FIRST TRUST ADVISORS LP DJ INTERNT IDX 33733E302   21,183 100 SH   DFND   0 0 100
FISERV INC COM 337738108   70,243 391 SH   DFND   0 0 391
FISERV INC COM 337738108   6,288 35 SH   SOLE   35 0 0
FMC Corp COM NEW 302491303   1,121 17 SH   SOLE   17 0 0
FORD MOTOR CO COM 345370860   66,718 6,318 SH   DFND   800 0 5,518
FORD MOTOR CO COM 345370860   76,740 7,267 SH   SOLE   7,267 0 0
FRANCO-NEVADA CORP COM 351858105   8,076 65 SH   DFND   0 0 65
FREEPORT-MCMOR C&G CL B 35671D857   29,503 591 SH   SOLE   591 0 0
FTI Consulting Inc COM 302941109   22,756 100 SH   DFND   0 0 100
Fastenal Co COM 311900104   142,840 2,000 SH   DFND   0 0 2,000
Fidelity Management & Research Co LLC ENHANCED LARGE 316092113   31,256 974 SH   SOLE   974 0 0
Fidelity National Information COM 31620M106   83,750 1,000 SH   DFND   0 0 1,000
Financial Institutions Inc COM 317585404   76,919 3,020 SH   SOLE   3,020 0 0
First Financial Bancorp COM 320209109   28,031 1,111 SH   SOLE   1,111 0 0
First Trust Advisors LP NAT GAS ETF 33733E807   231,800 9,760 SH   DFND   0 0 9,760
FirstEnergy Corp COM 337932107   6,653 150 SH   DFND   0 0 150
FirstEnergy Corp COM 337932107   2,883 65 SH   SOLE   65 0 0
Flowserve Corp COM 34354P105   31,014 600 SH   DFND   600 0 0
Fortrea Holdings Inc COMMON STOCK 34965K107   20,000 1,000 SH   DFND   0 0 1,000
Four Corners Property Trust In COM 35086T109   2,931 100 SH   DFND   0 0 100
Franklin Resources Inc COM 354613101   40,300 2,000 SH   DFND   0 0 2,000
Fulton Financial Corp COM 360271100   82,528 4,552 SH   SOLE   4,552 0 0
GARRETT MOTION INC COM 366505105   25 3 SH   SOLE   3 0 0
GE HealthCare Technologies Inc COMMON STOCK 36266G107   110,180 1,174 SH   DFND   200 0 974
GE HealthCare Technologies Inc COMMON STOCK 36266G107   29,657 316 SH   SOLE   316 0 0
GE Vernova Inc COM 36828A101   175,936 690 SH   DFND   0 0 690
GE Vernova Inc COM 36828A101   65,020 255 SH   SOLE   255 0 0
GEN DYNAMICS CORP COM 369550108   14,203 47 SH   DFND   42 0 5
GEN DYNAMICS CORP COM 369550108   7,864,453 26,024 SH   SOLE   25,905 0 119
GENERAL MILLS INC COM 370334104   226,055 3,061 SH   DFND   0 0 3,061
GENERAL MILLS INC COM 370334104   119,637 1,620 SH   SOLE   1,620 0 0
GOLDMAN SACHS GRP COM 38141G104   247,555 500 SH   DFND   0 0 500
GOLDMAN SACHS GRP COM 38141G104   321,822 650 SH   SOLE   650 0 0
GORMAN-RUPP CO/THE COM 383082104   46,740 1,200 SH   DFND   1,200 0 0
GSK PLC SPONSORED ADR 37733W204   4,088 100 SH   DFND   100 0 0
GSK PLC SPONSORED ADR 37733W204   42,515 1,040 SH   SOLE   1,040 0 0
Generac Holdings Inc COM 368736104   3,972 25 SH   DFND   25 0 0
General Electric Co COM NEW 369604301   529,155 2,806 SH   DFND   0 0 2,806
General Electric Co COM NEW 369604301   214,038 1,135 SH   SOLE   1,135 0 0
General Motors Co COM 37045V100   94,164 2,100 SH   DFND   0 0 2,100
Genuine Parts Co COM 372460105   40,228 288 SH   DFND   288 0 0
Genuine Parts Co COM 372460105   11,174 80 SH   SOLE   80 0 0
Gilead Sciences Inc COM 375558103   167,177 1,994 SH   SOLE   1,994 0 0
Global X Management Co LLC SOCIAL MED ETF 37950E416   30,310 700 SH   DFND   0 0 700
Global X Management Co LLC GBL X BLOCKCHAIN 37960A735   14,100 300 SH   DFND   0 0 300
Goldman Sachs ETF Trust ACTIVEBETA INT 381430107   8,717 241 SH   DFND   0 0 241
Goldman Sachs ETF Trust ACTIVEBETA INT 381430107   83,408 2,306 SH   SOLE   2,306 0 0
Goldman Sachs ETF Trust ACTIVEBETA US LG 381430503   202,501 1,793 SH   SOLE   1,793 0 0
Grayscale Investments LLC/USA SHS REP COM UT 389637109   57,621 1,141 SH   DFND   0 0 1,141
HALLIBURTON COM 406216101   9,528 328 SH   DFND   100 0 228
HANESBRANDS INC COM 410345102   5,366 730 SH   DFND   0 0 730
HERSHEY CO (THE) COM 427866108   158,602 827 SH   DFND   0 0 827
HERSHEY CO (THE) COM 427866108   419,806 2,189 SH   SOLE   2,189 0 0
HP Inc COM 40434L105   21,343 595 SH   DFND   0 0 595
Haleon PLC SPON ADS 405552100   13,754 1,300 SH   SOLE   1,300 0 0
Hartford Financial Services Gr COM 416515104   358,475 3,048 SH   DFND   0 0 3,048
Hartford Funds Management Co LLC TOTAL RTRN ETF 41653L305   100,021 2,861 SH   SOLE   2,861 0 0
Healthpeak Properties Inc COM 42250P103   114,350 5,000 SH   DFND   0 0 5,000
Helmerich & Payne Inc COM 423452101   5,445 179 SH   DFND   0 0 179
Hess Midstream LP CL A SHS 428103105   70,540 2,000 SH   DFND   0 0 2,000
Hewlett Packard Enterprise Co COM 42824C109   11,826 578 SH   DFND   0 0 578
Home Depot Inc/The COM 437076102   827,418 2,042 SH   DFND   53 0 1,989
Home Depot Inc/The COM 437076102   13,040,552 32,183 SH   SOLE   31,946 0 237
Honeywell International Inc COM 438516106   360,502 1,744 SH   DFND   243 0 1,501
Honeywell International Inc COM 438516106   10,146,774 49,087 SH   SOLE   48,617 0 470
Howmet Aerospace Inc COM 443201108   360,900 3,600 SH   DFND   0 0 3,600
Huntington Bancshares Inc/OH COM 446150104   7,409 504 SH   SOLE   504 0 0
Huntington Ingalls Industries COM 446413106   132,190 500 SH   DFND   0 0 500
IDACORP Inc COM 451107106   5,155 50 SH   DFND   50 0 0
ILLINOIS TOOL WKS COM 452308109   448,664 1,712 SH   DFND   262 0 1,450
ILLINOIS TOOL WKS COM 452308109   72,331 276 SH   SOLE   276 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   10,763 67 SH   DFND   52 0 15
INTERCONTINENTAL EXCHANGE COM 45866F104   5,264,655 32,773 SH   SOLE   32,143 0 630
INTL BUSINESS MCHN COM 459200101   1,204,444 5,448 SH   DFND   300 0 5,148
INTL BUSINESS MCHN COM 459200101   764,495 3,458 SH   SOLE   3,458 0 0
ISHARES S&P 100 ETF 464287101   348,164 1,258 SH   SOLE   1,258 0 0
ISHARES SELECT DIVID ETF 464287168   822,306 6,088 SH   DFND   0 0 6,088
ISHARES SELECT DIVID ETF 464287168   652,388 4,830 SH   SOLE   4,830 0 0
ISHARES CORE S&P500 ETF 464287200   1,599,522 2,773 SH   DFND   0 0 2,773
ISHARES CORE S&P500 ETF 464287200   360,513 625 SH   SOLE   625 0 0
ISHARES IBOXX INV CP ETF 464287242   2,076,120 18,376 SH   SOLE   18,148 0 228
ISHARES GBL COMM SVC ETF 464287275   37,652 400 SH   DFND   0 0 400
ISHARES S&P 500 GRWT ETF 464287309   906,561 9,468 SH   SOLE   9,468 0 0
ISHARES GLOB HLTHCRE ETF 464287325   284,664 2,900 SH   DFND   0 0 2,900
ISHARES GLOBAL ENERG ETF 464287341   194,304 4,800 SH   DFND   0 0 4,800
ISHARES S&P 500 VAL ETF 464287408   142,554 723 SH   SOLE   723 0 0
ISHARES ISHARES BIOTECH 464287556   109,200 750 SH   DFND   0 0 750
ISHARES RUS 2000 VAL ETF 464287630   29,194 175 SH   SOLE   175 0 0
ISHARES RUSSELL 2000 ETF 464287655   652,067 2,952 SH   DFND   0 0 2,952
ISHARES RUSSELL 2000 ETF 464287655   224,203 1,015 SH   SOLE   1,015 0 0
ISHARES U.S. TECH ETF 464287721   13,949 92 SH   SOLE   92 0 0
ISHARES SP SMCP600VL ETF 464287879   1,202,132 11,166 SH   SOLE   11,166 0 0
ISHARES SHORT TREAS BD 464288679   99,567 900 SH   DFND   0 0 900
ISHARES EAFE VALUE ETF 464288877   460 8 SH   DFND   0 0 8
ISHARES EAFE VALUE ETF 464288877   36,244 630 SH   SOLE   630 0 0
ISHARES ISHARES 46428Q109   71,025 2,500 SH   DFND   0 0 2,500
ISHARES ISHARES 46428Q109   125,913 4,432 SH   SOLE   4,432 0 0
ISHARES CORE MSCI EAFE 46432F842   673,572 8,630 SH   DFND   1,222 0 7,408
ISHARES CORE MSCI EAFE 46432F842   278,951 3,574 SH   SOLE   3,574 0 0
ISHARES GOLD TRUST ISHARES NEW 464285204   52,086 1,048 SH   SOLE   1,048 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   840,479 10,958 SH   SOLE   10,958 0 0
ISHARES TRUST TIPS BD ETF 464287176   14,140 128 SH   DFND   0 0 128
ISHARES TRUST GLOBAL TECH ETF 464287291   371,385 4,500 SH   DFND   0 0 4,500
ISHARES TRUST 1 3 YR TREAS BD 464287457   411,676 4,951 SH   DFND   251 0 4,700
ISHARES TRUST 1 3 YR TREAS BD 464287457   6,420,677 77,218 SH   SOLE   76,363 0 855
ISHARES TRUST GL TIMB FORE ETF 464288174   43,085 500 SH   DFND   0 0 500
ISHARES TRUST IBOXX HI YD ETF 464288513   2,489 31 SH   SOLE   31 0 0
ISHARES TRUST CORE HIGH DV ETF 46429B663   52,929 450 SH   SOLE   450 0 0
ISHARES/USA RUS 1000 GRW ETF 464287614   225,228 600 SH   DFND   0 0 600
ISHARES/USA NATIONAL MUN ETF 464288414   733,253 6,750 SH   DFND   0 0 6,750
ITRON INC COM 465741106   37,384 350 SH   DFND   300 0 50
ITT Inc COM 45073V108   1,495 10 SH   DFND   0 0 10
Intel Corp COM 458140100   180,619 7,699 SH   DFND   749 0 6,950
Intel Corp COM 458140100   254,729 10,858 SH   SOLE   10,858 0 0
International Paper Co COM 460146103   97,700 2,000 SH   DFND   0 0 2,000
International Paper Co COM 460146103   63,505 1,300 SH   SOLE   1,300 0 0
Interpublic Group of Cos Inc/T COM 460690100   56,618 1,790 SH   DFND   0 0 1,790
Intuit Inc COM 461202103   14,904 24 SH   SOLE   24 0 0
Intuitive Surgical Inc COM NEW 46120E602   16,703 34 SH   DFND   25 0 9
Intuitive Surgical Inc COM NEW 46120E602   8,233,194 16,759 SH   SOLE   16,517 0 242
Invesco Capital Management LLC INDIA ETF 46137R109   73,704 2,400 SH   DFND   0 0 2,400
Invesco Capital Management LLC WILDERHIL CLAN 46137V134   4,006 200 SH   DFND   0 0 200
Invesco Capital Management LLC S&P500 EQL HLT 46137V332   32,230 1,000 SH   DFND   0 0 1,000
Invesco Capital Management LLC NASDAQ INTERNT 46137V530   21,725 500 SH   DFND   0 0 500
Invesco Capital Management LLC AI AND NEXT GEN 46137V639   13,650 300 SH   DFND   0 0 300
Invesco Capital Management LLC S&P GBL WATER 46138E263   122,400 2,000 SH   DFND   0 0 2,000
Invesco Capital Management LLC S&P SMALLCAP 600 46138G664   4,114 90 SH   DFND   0 0 90
Invesco Capital Management LLC S&P SMALLCAP 600 46138G664   41,550 909 SH   SOLE   909 0 0
Invesco ETFs/USA UNIT SER 1 46090E103   1,326,086 2,717 SH   DFND   0 0 2,717
Invesco ETFs/USA UNIT SER 1 46090E103   276,248 566 SH   SOLE   566 0 0
Invesco ETFs/USA S&P500 EQL ENR 46137V365   91,968 1,200 SH   DFND   0 0 1,200
Invesco ETFs/USA PHARMACEUTICALS 46137V662   52,182 600 SH   DFND   0 0 600
Invesco ETFs/USA S&P500 LOW VOL 46138E354   1,356,629 18,913 SH   SOLE   18,913 0 0
Invesco ETFs/USA PFD ETF 46138E511   21,773 1,763 SH   DFND   0 0 1,763
Invesco ETFs/USA PFD ETF 46138E511   14,808 1,199 SH   SOLE   1,199 0 0
Invesco ETFs/USA S&P 500 REVENUE 46138G698   71,591 730 SH   DFND   70 0 660
Invesco ETFs/USA S&P 500 REVENUE 46138G698   4,087,460 41,679 SH   SOLE   41,097 0 582
JAZZ PHARMA PLC SHS USD G50871105   5,571 50 SH   DFND   50 0 0
JPMorgan Chase & Co COM 46625H100   805,063 3,818 SH   DFND   1,641 0 2,177
JPMorgan Chase & Co COM 46625H100   15,372,116 72,902 SH   SOLE   72,253 0 649
Johnson & Johnson COM 478160104   2,104,187 12,984 SH   DFND   328 0 12,656
Johnson & Johnson COM 478160104   3,113,659 19,213 SH   SOLE   19,213 0 0
Johnson Controls International SHS G51502105   16,609 214 SH   DFND   0 0 214
Johnson Controls International SHS G51502105   2,794 36 SH   SOLE   36 0 0
KIMBERLY-CLARK CP COM 494368103   341,614 2,401 SH   DFND   0 0 2,401
KIMBERLY-CLARK CP COM 494368103   7,462,301 52,448 SH   SOLE   52,059 0 389
KIMCO REALTY COM 49446R109   20,898 900 SH   DFND   0 0 900
KNIFE RIV HOL CO. COMMON STOCK 498894104   46,930 525 SH   DFND   525 0 0
Kellanova COM 487836108   3,874 48 SH   DFND   0 0 48
Kellanova COM 487836108   104,923 1,300 SH   SOLE   1,300 0 0
Kenvue Inc COM 49177J102   925 40 SH   DFND   0 0 40
Kenvue Inc COM 49177J102   5,343 231 SH   SOLE   231 0 0
Kinder Morgan Inc COM 49456B101   44,180 2,000 SH   DFND   0 0 2,000
Kingdom of Norway Ministry of SPONSORED ADR 29446M102   22,797 900 SH   DFND   900 0 0
Kraft Heinz Co/The COM 500754106   27,737 790 SH   DFND   0 0 790
Krane Funds Advisors LLC QUADRTC INT RT 500767736   21,753 1,130 SH   DFND   0 0 1,130
Kronos I UK Ltd SPONSORED ADS 042068205   8,581 60 SH   SOLE   60 0 0
Kyndryl Holdings Inc COMMON STOCK 50155Q100   15,190 661 SH   DFND   0 0 661
L3Harris Technologies Inc COM 502431109   102,284 430 SH   DFND   0 0 430
L3Harris Technologies Inc COM 502431109   66,841 281 SH   SOLE   281 0 0
LEAP THERAPEUTICS INC COM NEW 52187K200   308 120 SH   DFND   120 0 0
LOWE'S COS INC COM 548661107   255,412 943 SH   DFND   248 0 695
LOWE'S COS INC COM 548661107   861,032 3,179 SH   SOLE   3,179 0 0
LULULEMON ATHLETIC COM 550021109   37,989 140 SH   DFND   0 0 140
Labcorp Holdings Inc COM SHS 504922105   223,480 1,000 SH   DFND   0 0 1,000
Lamb Weston Holdings Inc COM 513272104   17,221 266 SH   DFND   0 0 266
Linde PLC SHS G54950103   136,382 286 SH   DFND   0 0 286
Linde PLC SHS G54950103   55,316 116 SH   SOLE   116 0 0
Lindsay Corp COM 535555106   74,784 600 SH   DFND   600 0 0
Lockheed Martin Corp COM 539830109   26,890 46 SH   DFND   0 0 46
Lockheed Martin Corp COM 539830109   63,132 108 SH   SOLE   108 0 0
Loews Corp COM 126117100   29,364 600 SH   DFND   0 0 600
Lumentum Holdings Inc COM 55024U109   6,338 100 SH   DFND   0 0 100
LyondellBasell Industries NV SHS - A - N53745100   9,015 94 SH   SOLE   94 0 0
M&T Bank Corp COM 55261F104   92,266 518 SH   DFND   0 0 518
M&T Bank Corp COM 55261F104   190,232 1,068 SH   SOLE   1,068 0 0
MARATHON OIL CORP COM 565849106   52,568 1,974 SH   DFND   0 0 1,974
MARSH & MCLENNAN COM 571748102   111,991 502 SH   SOLE   502 0 0
MASTERCARD INC CL A 57636Q104   119,993 243 SH   DFND   112 0 131
MASTERCARD INC CL A 57636Q104   11,048,281 22,374 SH   SOLE   21,984 0 390
MATTEL INC COM 577081102   1,905 100 SH   DFND   0 0 100
MCDONALD'S CORP COM 580135101   2,236,626 7,345 SH   DFND   526 0 6,819
MCDONALD'S CORP COM 580135101   12,191,362 40,036 SH   SOLE   39,724 0 312
MDU RES GROUP INC COM 552690109   74,007 2,700 SH   DFND   2,700 0 0
MDU RES GROUP INC COM 552690109   46,707 1,704 SH   SOLE   1,704 0 0
METLIFE INC COM 59156R108   123,720 1,500 SH   DFND   0 0 1,500
METLIFE INC COM 59156R108   33,322 404 SH   SOLE   404 0 0
MICROSOFT CORP COM 594918104   9,626,672 22,372 SH   DFND   1,132 0 21,240
MICROSOFT CORP COM 594918104   37,882,751 88,038 SH   SOLE   86,839 0 1,199
MOLSON COORS BREWING CO CL B 60871R209   115,040 2,000 SH   DFND   0 0 2,000
MORGAN STANLEY COM NEW 617446448   104,240 1,000 SH   DFND   0 0 1,000
MORGAN STANLEY COM NEW 617446448   3,127 30 SH   SOLE   30 0 0
MSC Industrial Direct Co Inc CL A 553530106   137,696 1,600 SH   DFND   0 0 1,600
Marathon Petroleum Corp COM 56585A102   264,566 1,624 SH   DFND   0 0 1,624
Marathon Petroleum Corp COM 56585A102   8,308 51 SH   SOLE   51 0 0
Marriott International Inc/MD CL A 571903202   243,379 979 SH   SOLE   979 0 0
Masco Corp COM 574599106   251,820 3,000 SH   DFND   0 0 3,000
Medtronic PLC SHS G5960L103   110,377 1,226 SH   DFND   0 0 1,226
Medtronic PLC SHS G5960L103   11,254 125 SH   SOLE   125 0 0
Merck & Co Inc COM 58933Y105   572,797 5,044 SH   DFND   726 0 4,318
Merck & Co Inc COM 58933Y105   10,620,472 93,523 SH   SOLE   92,801 0 722
Meta Platforms Inc CL A 30303M102   37,781 66 SH   DFND   36 0 30
Meta Platforms Inc CL A 30303M102   277,633 485 SH   SOLE   485 0 0
Microchip Technology Inc COM 595017104   263,351 3,280 SH   DFND   0 0 3,280
Microchip Technology Inc COM 595017104   270,256 3,366 SH   SOLE   3,366 0 0
Micron Technology Inc COM 595112103   4,667 45 SH   DFND   0 0 45
Moderna Inc COM 60770K107   14,034 210 SH   DFND   100 0 110
Moderna Inc COM 60770K107   1,136 17 SH   SOLE   17 0 0
Mondelez International Inc CL A 609207105   140,636 1,909 SH   DFND   0 0 1,909
Mondelez International Inc CL A 609207105   132,606 1,800 SH   SOLE   1,800 0 0
NBT Bancorp Inc COM 628778102   1,447,559 32,728 SH   DFND   0 0 32,728
NBT Bancorp Inc COM 628778102   444,335 10,046 SH   SOLE   10,046 0 0
NET Lease Office Properties COM 64110Y108   551 18 SH   SOLE   18 0 0
NETFLIX INC COM 64110L106   7,093 10 SH   SOLE   10 0 0
NEXTERA ENERGY COM 65339F101   180,387 2,134 SH   DFND   0 0 2,134
NEXTERA ENERGY COM 65339F101   645,978 7,642 SH   SOLE   7,642 0 0
NIKE INC CL B 654106103   113,152 1,280 SH   DFND   0 0 1,280
NIKE INC CL B 654106103   342,727 3,877 SH   SOLE   3,877 0 0
NORTHERN TRUST CORP COM 665859104   90,030 1,000 SH   DFND   0 0 1,000
NVIDIA Corp COM 67066G104   525,107 4,324 SH   DFND   0 0 4,324
NVIDIA Corp COM 67066G104   31,714,663 261,155 SH   SOLE   243,615 0 17,540
National Amusements Inc CLASS B COM 92556H206   276 26 SH   DFND   0 0 26
National Fuel Gas Co COM 636180101   312,929 5,163 SH   SOLE   5,163 0 0
National Grid PLC SPONSORED ADR NE 636274409   9,127 131 SH   SOLE   131 0 0
New Jersey Resources Corp COM 646025106   14,160 300 SH   DFND   300 0 0
New York Times Co/The CL A 650111107   12,526 225 SH   SOLE   225 0 0
Nokia Oyj SPONSORED ADR 654902204   874 200 SH   SOLE   200 0 0
Norfolk Southern Corp COM 655844108   109,340 440 SH   DFND   0 0 440
Norfolk Southern Corp COM 655844108   95,673 385 SH   SOLE   385 0 0
Novartis AG SPONSORED ADR 66987V109   208,186 1,810 SH   DFND   1,250 0 560
Novartis AG SPONSORED ADR 66987V109   126,522 1,100 SH   SOLE   1,100 0 0
Novocure Ltd ORD SHS G6674U108   1,563 100 SH   DFND   0 0 100
Nucor Corp COM 670346105   7,517 50 SH   DFND   0 0 50
Nuveen Closed-End Funds/USA COM 67066X107   99,673 8,454 SH   SOLE   8,454 0 0
OCCIDENTAL PETROLEUM CORP *W EXP 08/03/202 674599162   6,960 234 SH   DFND   0 0 234
OCCIDENTAL PETROLEUM CORP *W EXP 08/03/202 674599162   357 12 SH   SOLE   12 0 0
OGE Energy Corp COM 670837103   28,714 700 SH   DFND   600 0 100
OMNICOM GROUP INC COM 681919106   151,880 1,469 SH   DFND   0 0 1,469
OMNICOM GROUP INC COM 681919106   5,997 58 SH   SOLE   58 0 0
ORACLE CORP COM 68389X105   294,962 1,731 SH   DFND   765 0 966
ORACLE CORP COM 68389X105   1,433,746 8,414 SH   SOLE   8,414 0 0
Occidental Petroleum Corp COM 674599105   76,073 1,476 SH   DFND   0 0 1,476
OceanFirst Financial Corp COM 675234108   22,308 1,200 SH   DFND   1,200 0 0
Old Second Bancorp Inc COM 680277100   17,851 1,145 SH   SOLE   1,145 0 0
Organon & Co COMMON STOCK 68622V106   45,663 2,387 SH   DFND   0 0 2,387
Otis Worldwide Corp COM 68902V107   12,161 117 SH   DFND   0 0 117
Otis Worldwide Corp COM 68902V107   10,394 100 SH   SOLE   100 0 0
Ovintiv Inc COM 69047Q102   11,263 294 SH   DFND   0 0 294
Owens & Minor Inc COM 690732102   785 50 SH   DFND   0 0 50
PAN AMER SILVER COM 697900108   9,016 432 SH   SOLE   432 0 0
PEPSICO INC COM 713448108   888,681 5,226 SH   DFND   1,139 0 4,087
PEPSICO INC COM 713448108   9,645,236 56,720 SH   SOLE   56,340 0 380
PG&E CORP COM 69331C108   5,931 300 SH   DFND   0 0 300
PHILIP MORRIS INTL COM 718172109   552,370 4,550 SH   DFND   0 0 4,550
PHILIP MORRIS INTL COM 718172109   270,479 2,228 SH   SOLE   2,228 0 0
PNC Financial Services Group I COM 693475105   468,410 2,534 SH   DFND   0 0 2,534
PNC Financial Services Group I COM 693475105   8,873 48 SH   SOLE   48 0 0
PPG Industries Inc COM 693506107   202,399 1,528 SH   DFND   0 0 1,528
PPG Industries Inc COM 693506107   19,869 150 SH   SOLE   150 0 0
PPL CORP COM 69351T106   11,280 341 SH   SOLE   341 0 0
PROSHARE ADVISORS LLC S&P 500 DV ARIST 74348A467   2,135 20 SH   DFND   0 0 20
PROSHARE ADVISORS LLC S&P 500 DV ARIST 74348A467   9,075 85 SH   SOLE   85 0 0
PRUDENTIAL FINL COM 744320102   8,840 73 SH   DFND   0 0 73
PRUDENTIAL FINL COM 744320102   35,603 294 SH   SOLE   294 0 0
Palantir Technologies Inc CL A 69608A108   18,600 500 SH   SOLE   500 0 0
PayPal Holdings Inc COM 70450Y103   32,070 411 SH   DFND   363 0 48
PayPal Holdings Inc COM 70450Y103   13,577 174 SH   SOLE   174 0 0
Paychex Inc COM 704326107   205,042 1,528 SH   DFND   0 0 1,528
Paychex Inc COM 704326107   1,476,761 11,005 SH   SOLE   11,005 0 0
Paylocity Holding Corp COM 70438V106   82,485 500 SH   DFND   0 0 500
Pfizer Inc COM 717081103   839,984 29,025 SH   DFND   3,300 0 25,725
Pfizer Inc COM 717081103   331,595 11,458 SH   SOLE   11,458 0 0
Phillips 66 COM 718546104   163,524 1,244 SH   DFND   0 0 1,244
Phillips 66 COM 718546104   18,534 141 SH   SOLE   141 0 0
Plug Power Inc COM NEW 72919P202   271 120 SH   DFND   0 0 120
Portland General Electric Co COM NEW 736508847   28,740 600 SH   DFND   600 0 0
Procter & Gamble Co/The COM 742718109   6,440,442 37,185 SH   DFND   0 0 37,185
Procter & Gamble Co/The COM 742718109   2,258,182 13,038 SH   SOLE   13,038 0 0
Prologis Inc COM 74340W103   3,031 24 SH   SOLE   24 0 0
Public Service Enterprise Grou COM 744573106   89,032 998 SH   DFND   0 0 998
Public Service Enterprise Grou COM 744573106   11,270,256 126,334 SH   SOLE   125,452 0 882
Public Storage COM 74460D109   30,929 85 SH   DFND   81 0 4
Public Storage COM 74460D109   8,895,894 24,448 SH   SOLE   24,250 0 198
QUALCOMM Inc COM 747525103   450,633 2,650 SH   DFND   0 0 2,650
Quest Diagnostics Inc COM 74834L100   8,228 53 SH   SOLE   53 0 0
REALTY INCOME CORP COM 756109104   110,985 1,750 SH   DFND   0 0 1,750
REALTY INCOME CORP COM 756109104   7,674 121 SH   SOLE   121 0 0
RESTAURANT BRANDS INTERNATIONA COM 76131D103   72,120 1,000 SH   DFND   0 0 1,000
RMR Group Inc/The CL A 74967R106   1,244 49 SH   DFND   0 0 49
ROCKWELL AUTOMATION COM 773903109   138,525 516 SH   DFND   0 0 516
ROCKWELL AUTOMATION COM 773903109   6,712 25 SH   SOLE   25 0 0
RTX Corp COM 75513E101   571,148 4,714 SH   DFND   0 0 4,714
RTX Corp COM 75513E101   27,867 230 SH   SOLE   230 0 0
Ralph Lauren Corp CL A 751212101   157,035 810 SH   DFND   0 0 810
Regency Centers Corp COM 758849103   76,564 1,060 SH   DFND   0 0 1,060
Resideo Technologies Inc COM 76118Y104   121 6 SH   SOLE   6 0 0
Rio Tinto PLC SPONSORED ADR 767204100   170,808 2,400 SH   DFND   0 0 2,400
Rivian Automotive Inc COM CL A 76954A103   168 15 SH   DFND   0 0 15
Roundhill Financial Inc ROUNDHILL SPORTS 53656F789   7,580 400 SH   DFND   0 0 400
Royal Bank of Canada COM 780087102   299,352 2,400 SH   DFND   0 0 2,400
S&P Global Inc COM 78409V104   144,654 280 SH   SOLE   280 0 0
SANDSTORM GOLD LTD COM NEW 80013R206   7,200 1,200 SH   DFND   0 0 1,200
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   22,949 149 SH   SOLE   149 0 0
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308   124,500 1,500 SH   SOLE   1,500 0 0
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407   58,308 291 SH   SOLE   291 0 0
SELECT SECTOR SPDR ENERGY 81369Y506   105,360 1,200 SH   DFND   0 0 1,200
SELECT SECTOR SPDR FINANCIAL 81369Y605   55,834 1,232 SH   SOLE   1,232 0 0
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   3,625,706 16,060 SH   DFND   0 0 16,060
SMUCKER(JM)CO COM NEW 832696405   28,459 235 SH   DFND   0 0 235
SNAP INC CL A 83304A106   107 10 SH   DFND   0 0 10
SPDR DOW JONES IND UT SER 1 78467X109   1,398,412 3,305 SH   DFND   0 0 3,305
SPDR GOLD TRUST GOLD SHS 78463V107   243,060 1,000 SH   SOLE   1,000 0 0
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359   100,180 1,308 SH   SOLE   1,308 0 0
SPDR SERIES TRUST DJ REIT ETF 78464A607   21,346 200 SH   DFND   0 0 200
SPDR SERIES TRUST S&P REGL BKG 78464A698   101,880 1,800 SH   SOLE   1,800 0 0
SPROTT ASSET MANAGEMENT LP/CAN UNIT 85207H104   876,340 43,000 SH   DFND   0 0 43,000
SPROTT ASSET MANAGEMENT LP/CAN UNIT 85207H104   14,266 700 SH   SOLE   700 0 0
SSGA FUNDS MANAGEMENT INC NYSE TECH ETF 78464A102   98,763 500 SH   DFND   0 0 500
SSGA FUNDS MANAGEMENT INC PRTFLO S&P500 GW 78464A409   912 11 SH   SOLE   11 0 0
SSGA FUNDS MANAGEMENT INC PRTFLO S&P500 VL 78464A508   687 13 SH   DFND   0 0 13
SSGA FUNDS MANAGEMENT INC PRTFLO S&P500 VL 78464A508   899 17 SH   SOLE   17 0 0
SSGA FUNDS MANAGEMENT INC PORTFOLIO S&P400 78464A847   32,261 590 SH   SOLE   590 0 0
SSGA FUNDS MANAGEMENT INC BLOOMBERG SHT TE 78468R408   52,813 2,051 SH   SOLE   2,051 0 0
SSGA FUNDS MANAGEMENT INC PORTFLI HIGH YLD 78468R606   53,199 2,212 SH   SOLE   2,212 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763   97,297 685 SH   DFND   0 0 685
SSGA Funds Management Inc S&P DIVID ETF 78464A763   235,076 1,655 SH   SOLE   1,655 0 0
SSgA Funds Management Inc S&P 400 MDCP VAL 78464A839   397 5 SH   DFND   0 0 5
SSgA Funds Management Inc S&P BIOTECH 78464A870   49,400 500 SH   DFND   0 0 500
SSgA Funds Management Inc BLOOMBERG HIGH Y 78468R622   1,467 15 SH   SOLE   15 0 0
SSgA Funds Management Inc BLOOMBERG 1-3 MO 78468R663   4,407 48 SH   DFND   48 0 0
SSgA Funds Management Inc BLOOMBERG 1-3 MO 78468R663   17,412,317 189,656 SH   SOLE   186,809 0 2,847
SSgA Funds Management Inc COMMUNICATION 81369Y852   316,400 3,500 SH   DFND   0 0 3,500
STARBUCKS CORP COM 855244109   7,019 72 SH   DFND   0 0 72
STARBUCKS CORP COM 855244109   94,858 973 SH   SOLE   973 0 0
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107   1,084,633 1,904 SH   DFND   0 0 1,904
STMicroelectronics NV NY REGISTRY 861012102   59,460 2,000 SH   DFND   0 0 2,000
SUNPOWER CORP COM 867652406   0 50 SH   DFND   0 0 50
Salesforce Inc COM 79466L302   156,288 571 SH   DFND   21 0 550
Sanofi SA SPONSORED ADR 80105N105   10,258 178 SH   SOLE   178 0 0
Sarepta Therapeutics Inc COM 803607100   20,232 162 SH   SOLE   162 0 0
Schlumberger NV COM STK 806857108   243,310 5,800 SH   DFND   2,200 0 3,600
Schwab ETFs/USA US REIT ETF 808524847   25,626 1,106 SH   SOLE   1,106 0 0
Selective Insurance Group Inc COM 816300107   117,185 1,256 SH   SOLE   1,256 0 0
Shake Shack Inc CL A 819047101   5,161 50 SH   DFND   0 0 50
Shell PLC SPON ADS 780259305   213,019 3,230 SH   DFND   0 0 3,230
Sherwin-Williams Co/The COM 824348106   3,435 9 SH   SOLE   9 0 0
Skyworks Solutions Inc COM 83088M102   9,877 100 SH   DFND   0 0 100
Snap-on Inc COM 833034101   131,818 455 SH   DFND   0 0 455
Snowflake Inc CL A 833445109   11,486 100 SH   DFND   100 0 0
Solventum Corp COM SHS 83444M101   50,338 722 SH   DFND   0 0 722
Sony Group Corp SPONSORED ADR 835699307   4,829 50 SH   DFND   0 0 50
Southern Co/The COM 842587107   50,050 555 SH   DFND   0 0 555
Southern Co/The COM 842587107   179,458 1,990 SH   SOLE   1,990 0 0
Sprott Asset Management CEFs TR UNIT 85207K107   654,180 62,601 SH   DFND   0 0 62,601
Sprott Asset Management CEFs TR UNIT 85208R101   710,210 29,000 SH   DFND   0 0 29,000
Stanley Black & Decker Inc COM 854502101   131,055 1,190 SH   DFND   0 0 1,190
State Street Corp COM 857477103   46,889 530 SH   DFND   200 0 330
State Street Corp COM 857477103   13,271 150 SH   SOLE   150 0 0
State Street ETF/USA TR UNIT 78462F103   3,082,239 5,372 SH   DFND   650 0 4,722
State Street ETF/USA TR UNIT 78462F103   1,931,276 3,366 SH   SOLE   3,366 0 0
State Street ETF/USA S&P INTL SMLCP 78463X871   47,782 1,400 SH   DFND   0 0 1,400
State Street ETF/USA S&P 600 SMCP GRW 78464A201   18,622 200 SH   DFND   0 0 200
State Street ETF/USA S&P RETAIL ETF 78464A714   46,614 600 SH   DFND   0 0 600
State Street ETF/USA PRTFLO S&P500 HI 78468R788   123,255 2,700 SH   SOLE   2,700 0 0
State Street ETF/USA INDL 81369Y704   53,092 392 SH   SOLE   392 0 0
State Street Global Advisors Inc S&P SEMICNDCTR 78464A862   24,025 100 SH   DFND   0 0 100
Stryker Corp COM 863667101   304,181 842 SH   DFND   524 0 318
Stryker Corp COM 863667101   5,802,197 16,061 SH   SOLE   15,625 0 436
Summit Materials Inc CL A 86614U100   39,654 1,016 SH   DFND   1,016 0 0
Super Micro Computer Inc COM 86800U104   15,407 37 SH   DFND   0 0 37
Synopsys Inc COM 871607107   3,855,147 7,613 SH   SOLE   7,444 0 169
Sysco Corp COM 871829107   702,540 9,000 SH   DFND   300 0 8,700
Sysco Corp COM 871829107   19,515 250 SH   SOLE   250 0 0
TC Energy Corp COM 87807B107   8,321 175 SH   SOLE   175 0 0
TE Connectivity Ltd SHS H84989104   9,210 61 SH   SOLE   61 0 0
TEXAS INSTRUMENTS COM 882508104   444,126 2,150 SH   DFND   0 0 2,150
TEXAS INSTRUMENTS COM 882508104   216,485 1,048 SH   SOLE   1,048 0 0
TIDEWATER INC *W EXP 11/14/202 88642R174   1 2 SH   DFND   0 0 2
TJX Cos Inc/The COM 872540109   204,285 1,738 SH   DFND   90 0 1,648
TJX Cos Inc/The COM 872540109   11,196,155 95,254 SH   SOLE   93,645 0 1,609
TORONTO-DOMINION COM NEW 891160509   75,912 1,200 SH   DFND   0 0 1,200
TRAVELERS CO INC COM 89417E109   70,236 300 SH   DFND   0 0 300
TRAVELERS CO INC COM 89417E109   107,461 459 SH   SOLE   459 0 0
TSMC SPONSORED ADS 874039100   225,771 1,300 SH   DFND   1,300 0 0
TSMC SPONSORED ADS 874039100   8,684 50 SH   SOLE   50 0 0
Target Corp COM 87612E106   299,251 1,920 SH   DFND   0 0 1,920
Target Corp COM 87612E106   289,744 1,859 SH   SOLE   1,859 0 0
Tesla Inc COM 88160R101   299,828 1,146 SH   DFND   0 0 1,146
Tesla Inc COM 88160R101   68,285 261 SH   SOLE   261 0 0
Thermo Fisher Scientific Inc COM 883556102   617,333 998 SH   DFND   498 0 500
Thermo Fisher Scientific Inc COM 883556102   351,966 569 SH   SOLE   569 0 0
Tompkins Financial Corp COM 890110109   40,306,445 697,464 SH   DFND   0 0 697,464
Tompkins Financial Corp COM 890110109   26,265,035 454,491 SH   SOLE   0 0 454,491
TotalEnergies SE SPONSORED ADS 89151E109   7,884 122 SH   SOLE   122 0 0
Truist Financial Corp COM 89832Q109   128,524 3,005 SH   DFND   0 0 3,005
Truist Financial Corp COM 89832Q109   7,100 166 SH   SOLE   166 0 0
Tyson Foods Inc CL A 902494103   17,451 293 SH   SOLE   293 0 0
UGI Corp COM 902681105   63,150 2,524 SH   SOLE   2,524 0 0
US Bancorp COM NEW 902973304   8,231 180 SH   SOLE   180 0 0
UTD PARCEL SERV CL B 911312106   106,345 780 SH   DFND   310 0 470
UTD PARCEL SERV CL B 911312106   107,027 785 SH   SOLE   785 0 0
Unilever PLC SPON ADR NEW 904767704   6,496 100 SH   SOLE   100 0 0
Union Pacific Corp COM 907818108   174,508 708 SH   DFND   0 0 708
Union Pacific Corp COM 907818108   180,177 731 SH   SOLE   731 0 0
UnitedHealth Group Inc COM 91324P102   584,680 1,000 SH   DFND   0 0 1,000
UnitedHealth Group Inc COM 91324P102   425,062 727 SH   SOLE   727 0 0
Universal Insurance Holdings I COM 91359V107   241,478 10,897 SH   SOLE   10,897 0 0
V2X Inc COM 92242T101   56 1 SH   DFND   0 0 1
VANECK VECTORS ETF MRNGSTR WDE MOAT 92189F643   214,550 2,213 SH   DFND   2,213 0 0
VANECK VECTORS ETF MRNGSTR WDE MOAT 92189F643   32,886,506 339,211 SH   SOLE   338,848 0 363
VANECK VECTORS ETF AGRIBUSINESS ETF 92189F700   75,510 1,000 SH   DFND   0 0 1,000
VANECK VECTORS ETF VANECK VIETNAM 92189F817   15,336 1,200 SH   DFND   1,200 0 0
VANGUARD S&P 500 ETF SHS 922908363   761,428 1,443 SH   DFND   0 0 1,443
VANGUARD S&P 500 ETF SHS 922908363   18,401,964 34,874 SH   SOLE   34,583 0 291
VANGUARD ETF/USA DIV APP ETF 921908844   79,224 400 SH   DFND   0 0 400
VANGUARD ETF/USA DIV APP ETF 921908844   33,274 168 SH   SOLE   168 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805   22,288 452 SH   DFND   0 0 452
VANGUARD ETF/USA GLB EX US ETF 922042676   28,146 600 SH   DFND   0 0 600
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   23,925 500 SH   DFND   500 0 0
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   29,380 614 SH   SOLE   614 0 0
VANGUARD ETF/USA INF TECH ETF 92204A702   126,102 215 SH   DFND   0 0 215
VANGUARD ETF/USA INF TECH ETF 92204A702   38,124 65 SH   SOLE   65 0 0
VANGUARD ETF/USA VNG RUS1000GRW 92206C680   52,314 542 SH   SOLE   542 0 0
VANGUARD ETF/USA INT-TERM CORP 92206C870   6,868 82 SH   DFND   0 0 82
VANGUARD ETF/USA INT-TERM CORP 92206C870   251 3 SH   SOLE   3 0 0
VANGUARD ETF/USA SM CP VAL ETF 922908611   12,448 62 SH   SOLE   62 0 0
VANGUARD ETF/USA TOTAL STK MKT 922908769   1,900,287 6,711 SH   DFND   0 0 6,711
VANGUARD ETF/USA TOTAL STK MKT 922908769   73,622 260 SH   SOLE   260 0 0
VANGUARD INTL EQUI FTSE EUROPE ETF 922042874   233,066 3,278 SH   SOLE   3,278 0 0
VANGUARD WHITEHALL HIGH DIV YLD 921946406   833,941 6,505 SH   SOLE   6,505 0 0
VERIZON COMMUN COM 92343V104   463,381 10,318 SH   DFND   0 0 10,318
VERIZON COMMUN COM 92343V104   907,721 20,212 SH   SOLE   20,212 0 0
VF Corp COM 918204108   858 43 SH   SOLE   43 0 0
VIATRIS INC COM 92556V106   15,534 1,338 SH   DFND   0 0 1,338
VIATRIS INC COM 92556V106   1,567 135 SH   SOLE   135 0 0
VISA INC COM CL A 92826C839   9,623 35 SH   DFND   0 0 35
VISA INC COM CL A 92826C839   45,092 164 SH   SOLE   164 0 0
Valero Energy Corp COM 91913Y100   2,025 15 SH   SOLE   15 0 0
Valvoline Inc COM 92047W101   395,231 9,444 SH   DFND   0 0 9,444
Van Eck Associates Corp FALLEN ANGEL HG 92189F437   45,733 1,555 SH   DFND   0 0 1,555
Van Eck Associates Corp RARE EARTH AND S 92189H805   49,210 1,067 SH   DFND   1 0 1,066
Van Eck Associates Corp DIGI TRANSFRM 92189H821   3,528 300 SH   DFND   0 0 300
Vanguard ETF/USA 500 GRTH IDX F 921932505   2,254,053 6,528 SH   SOLE   6,528 0 0
Vanguard ETF/USA TOTAL BND MRKT 921937835   16,199,499 215,677 SH   SOLE   213,724 0 1,953
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   166,668 3,156 SH   DFND   0 0 3,156
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   22,316,291 422,577 SH   SOLE   421,713 0 864
Vanguard ETF/USA ENERGY ETF 92204A306   97,976 800 SH   DFND   0 0 800
Vanguard ETF/USA HEALTH CAR ETF 92204A504   56,440 200 SH   DFND   0 0 200
Vanguard ETF/USA HEALTH CAR ETF 92204A504   151,259 536 SH   SOLE   536 0 0
Vanguard ETF/USA UTILITIES ETF 92204A876   87,025 500 SH   DFND   0 0 500
Vanguard ETF/USA REAL ESTATE ETF 922908553   60,888 625 SH   DFND   0 0 625
Vanguard ETF/USA REAL ESTATE ETF 922908553   439,267 4,509 SH   SOLE   3,489 0 1,020
Vanguard ETF/USA SML CP GRW ETF 922908595   37,164 139 SH   SOLE   139 0 0
Vanguard ETF/USA MID CAP ETF 922908629   26,383 100 SH   DFND   0 0 100
Vanguard ETF/USA MID CAP ETF 922908629   116,877 443 SH   SOLE   443 0 0
Vanguard ETF/USA GROWTH ETF 922908736   44,152 115 SH   SOLE   115 0 0
Vanguard ETF/USA VALUE ETF 922908744   12,394 71 SH   SOLE   71 0 0
Vanguard ETF/USA SMALL CP ETF 922908751   143,512 605 SH   DFND   0 0 605
Vanguard ETF/USA SMALL CP ETF 922908751   3,518,773 14,834 SH   SOLE   14,790 0 44
Ventas Inc COM 92276F100   128,260 2,000 SH   DFND   0 0 2,000
Veralto Corp COM SHS 92338C103   3,356 30 SH   DFND   0 0 30
Veralto Corp COM SHS 92338C103   43,737 391 SH   SOLE   391 0 0
Viavi Solutions Inc COM 925550105   6,314 700 SH   DFND   700 0 0
Vodafone Group PLC SPONSORED ADR 92857W308   15,030 1,500 SH   SOLE   1,500 0 0
Vontier Corp COM 928881101   13,496 400 SH   DFND   400 0 0
Vulcan Materials Co COM 929160109   62,608 250 SH   DFND   250 0 0
WASTE MANAGEMENT COM 94106L109   286,696 1,381 SH   DFND   41 0 1,340
WASTE MANAGEMENT COM 94106L109   12,401,194 59,736 SH   SOLE   59,171 0 565
WATSCO INC COM 942622200   491,880 1,000 SH   DFND   0 0 1,000
WEC Energy Group Inc COM 92939U106   192,360 2,000 SH   DFND   0 0 2,000
WEC Energy Group Inc COM 92939U106   3,270 34 SH   SOLE   34 0 0
WELLS FARGO & CO COM 949746101   76,262 1,350 SH   DFND   0 0 1,350
WELLS FARGO & CO COM 949746101   139,530 2,470 SH   SOLE   2,470 0 0
WESTERN UNION COMP COM 959802109   59,650 5,000 SH   DFND   0 0 5,000
WESTN DIGITAL CORP COM 958102105   13,658 200 SH   DFND   0 0 200
WISDOMTREE ASSET MANAGEMENT INC US SMALLCAP DIVD 97717W604   41,388 1,200 SH   SOLE   1,200 0 0
WISDOMTREE ETFS/USA US TOTAL DIVIDND 97717W109   92,474 1,206 SH   SOLE   1,206 0 0
WISDOMTREE ETFS/USA US HIGH DIVIDEND 97717W208   37,051 395 SH   DFND   0 0 395
WK Kellogg Co COM SHS 92942W107   205 12 SH   DFND   0 0 12
WK Kellogg Co COM SHS 92942W107   5,561 325 SH   SOLE   325 0 0
WORLD GOLD TRUST SERVICES LLC SPDR GLD MINIS 98149E303   521 10 SH   DFND   0 0 10
WP Carey Inc COM 92936U109   231,756 3,720 SH   SOLE   3,720 0 0
WW Grainger Inc COM 384802104   254,508 245 SH   SOLE   245 0 0
Walgreens Boots Alliance Inc COM 931427108   90 10 SH   DFND   0 0 10
Walmart Inc COM 931142103   1,502,031 18,601 SH   DFND   1,188 0 17,413
Walmart Inc COM 931142103   21,366,127 264,596 SH   SOLE   262,062 0 2,534
Walt Disney Co/The COM 254687106   136,109 1,415 SH   DFND   250 0 1,165
Walt Disney Co/The COM 254687106   232,395 2,416 SH   SOLE   2,416 0 0
Warner Bros Discovery Inc COM SER A 934423104   24,659 2,989 SH   DFND   0 0 2,989
Warner Bros Discovery Inc COM SER A 934423104   4,257 516 SH   SOLE   516 0 0
Webster Financial Corp COM 947890109   1,177,462 25,262 SH   DFND   100 0 25,162
Webster Financial Corp COM 947890109   4,113,146 88,246 SH   SOLE   88,246 0 0
Westinghouse Air Brake Technol COM 929740108   17,450 96 SH   DFND   0 0 96
Westinghouse Air Brake Technol COM 929740108   182 1 SH   SOLE   1 0 0
Wheaton Precious Metals Corp COM 962879102   15,087 247 SH   DFND   0 0 247
Whirlpool Corp COM 963320106   40,981 383 SH   DFND   0 0 383
Williams Cos Inc/The COM 969457100   6,802 149 SH   SOLE   149 0 0
Willis Towers Watson PLC SHS G96629103   2,651 9 SH   SOLE   9 0 0
WisdomTree Asset Management Inc EM EX ST-OWNED 97717X578   9,876 299 SH   DFND   0 0 299
WisdomTree Asset Management Inc EM EX ST-OWNED 97717X578   170,071 5,149 SH   SOLE   5,149 0 0
WisdomTree Asset Management Inc US QTLY DIV GRT 97717X669   41,605 500 SH   DFND   0 0 500
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701   70,044 1,560 SH   DFND   0 0 1,560
WisdomTree ETFs/USA ITL HDG QTLY DIV 97717X594   71,109 1,556 SH   DFND   0 0 1,556
Xcel Energy Inc COM 98389B100   18,088 277 SH   SOLE   277 0 0
Xerox Holdings Corp COM NEW 98421M106   260 25 SH   SOLE   25 0 0
Xylem Inc/NY COM 98419M100   56,713 420 SH   DFND   0 0 420
Xylem Inc/NY COM 98419M100   15,258 113 SH   SOLE   113 0 0
YUM BRANDS INC COM 988498101   209,565 1,500 SH   DFND   0 0 1,500
ZIMMER HLDGS INC COM 98956P102   68,009 630 SH   DFND   200 0 430
Zimvie Inc COM 98888T107   48 3 SH   DFND   0 0 3
Zoom Video Communications Inc CL A 98980L101   697 10 SH   SOLE   10 0 0
iShares ETFs/USA CORE S&P TTL STK 464287150   638,150 5,080 SH   DFND   0 0 5,080
iShares ETFs/USA CORE US AGGBD ET 464287226   425,739 4,204 SH   DFND   0 0 4,204
iShares ETFs/USA CORE US AGGBD ET 464287226   20,659 204 SH   SOLE   204 0 0
iShares ETFs/USA NORTH AMERN NAT 464287374   176,280 4,000 SH   DFND   0 0 4,000
iShares ETFs/USA RUS MD CP GR ETF 464287481   46,916 400 SH   DFND   0 0 400
iShares ETFs/USA RUS MD CP GR ETF 464287481   120,457 1,027 SH   SOLE   1,027 0 0
iShares ETFs/USA RUS MID CAP ETF 464287499   606,668 6,883 SH   SOLE   6,883 0 0
iShares ETFs/USA CORE S&P MCP ETF 464287507   1,767,956 28,369 SH   DFND   550 0 27,819
iShares ETFs/USA CORE S&P MCP ETF 464287507   18,646,456 299,205 SH   SOLE   294,201 0 5,004
iShares ETFs/USA US DIGITAL INFRA 464287531   15,770 200 SH   DFND   0 0 200
iShares ETFs/USA RUS 1000 ETF 464287622   31,439 100 SH   DFND   0 0 100
iShares ETFs/USA RUS 1000 ETF 464287622   91,487 291 SH   SOLE   291 0 0
iShares ETFs/USA RUS 2000 GRW ETF 464287648   918,456 3,234 SH   DFND   125 0 3,109
iShares ETFs/USA RUS 2000 GRW ETF 464287648   1,979,196 6,969 SH   SOLE   6,094 0 875
iShares ETFs/USA CORE S&P US VLU 464287663   466,278 4,883 SH   SOLE   4,883 0 0
iShares ETFs/USA RUSSELL 3000 ETF 464287689   32,673 100 SH   DFND   0 0 100
iShares ETFs/USA RUSSELL 3000 ETF 464287689   166,632 510 SH   SOLE   510 0 0
iShares ETFs/USA S&P MC 400VL ETF 464287705   10,879 88 SH   SOLE   88 0 0
iShares ETFs/USA DOW JONES US ETF 464287846   41,877 300 SH   SOLE   300 0 0
iShares ETFs/USA GLOB UTILITS ETF 464288711   17,686 250 SH   DFND   0 0 250
iShares ETFs/USA MSCI USA ESG SLC 464288802   12,173,981 101,138 SH   SOLE   100,575 0 563
iShares ETFs/USA RUS TP200 GR ETF 464289438   22,005 100 SH   DFND   0 0 100
iShares ETFs/USA RUS TOP 200 ETF 464289446   870,728 6,200 SH   DFND   5,359 0 841
iShares ETFs/USA RUS TOP 200 ETF 464289446   141,097,681 1,004,683 SH   SOLE   1,003,544 0 1,139
iShares ETFs/USA MSCI USA MIN VOL 46429B697   46,112 505 SH   DFND   54 0 451
iShares ETFs/USA MSCI USA MIN VOL 46429B697   4,843,265 53,042 SH   SOLE   52,503 0 539
iShares ETFs/USA MSCI USA QLT FCT 46432F339   32,274 180 SH   SOLE   180 0 0
iShares ETFs/USA MSCI USA VALUE 46432F388   13,957 128 SH   SOLE   128 0 0
iShares/USA MSCI SWITZERLAND 464286749   114,620 2,200 SH   DFND   0 0 2,200