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
3M COM 88579Y101 834 5,348 SH   SOLE   5,348 0 0
3M COM 88579Y101 548 3,515 SH   DFND 15 0 3,515 0
3M COM 88579Y101 5 30 SH   DFND 1 0 30 0
3M COM 88579Y101 87 560 SH   DFND 14 0 560 0
ABBOTT LABS COM 002824100 2,669 29,196 SH   SOLE   29,196 0 0
ABBOTT LABS COM 002824100 1,298 14,200 SH   DFND 15 0 14,200 0
ABBOTT LABS COM 002824100 14 150 SH   DFND 1 0 150 0
ABBOTT LABS COM 002824100 43 475 SH   DFND 7 0 475 0
ABBOTT LABS COM 002824100 11 125 SH   DFND 16 0 125 0
ABBOTT LABS COM 002824100 128 1,400 SH   DFND 14 0 1,400 0
ABBVIE COM 00287Y109 203 2,065 SH   SOLE   2,065 0 0
ABBVIE COM 00287Y109 344 3,500 SH   DFND 15 0 3,500 0
AIA GROUP LTD SPON ADR EA REPR COM 001317205 766 20,483 SH   SOLE   20,483 0 0
AIA GROUP LTD SPON ADR EA REPR COM 001317205 456 12,200 SH   DFND 15 0 12,200 0
AIA GROUP LTD SPON ADR EA REPR COM 001317205 32 850 SH   DFND 1 0 850 0
AIA GROUP LTD SPON ADR EA REPR COM 001317205 37 1,000 SH   DFND 14 0 1,000 0
ALPHABET INC CL A COM 02079K305 2,707 1,909 SH   SOLE   1,909 0 0
ALPHABET INC CL A COM 02079K305 1,376 970 SH   DFND 15 0 970 0
ALPHABET INC CL A COM 02079K305 104 73 SH   DFND 1 0 73 0
ALPHABET INC CL A COM 02079K305 45 32 SH   DFND 7 0 32 0
ALPHABET INC CL A COM 02079K305 10 7 SH   DFND 16 0 7 0
ALPHABET INC CL A COM 02079K305 123 87 SH   DFND 14 0 87 0
AMAZON.COM COM 023135106 1,744 632 SH   SOLE   632 0 0
AMAZON.COM COM 023135106 960 348 SH   DFND 15 0 348 0
AMAZON.COM COM 023135106 36 13 SH   DFND 1 0 13 0
AMAZON.COM COM 023135106 61 22 SH   DFND 7 0 22 0
AMAZON.COM COM 023135106 8 3 SH   DFND 16 0 3 0
AMAZON.COM COM 023135106 88 32 SH   DFND 14 0 32 0
AMERICAN TOWER COM 03027X100 270 1,045 SH   SOLE   1,045 0 0
AMERICAN TOWER COM 03027X100 129 500 SH   DFND 15 0 500 0
AMERICAN TOWER COM 03027X100 39 150 SH   DFND 1 0 150 0
AMERICAN TOWER COM 03027X100 44 170 SH   DFND 7 0 170 0
AMGEN INC COM 031162100 259 1,100 SH   SOLE   1,100 0 0
AMGEN INC COM 031162100 354 1,500 SH   DFND 1 0 1,500 0
ANALOG DEVICES COM 032654105 2,287 18,645 SH   SOLE   18,645 0 0
ANALOG DEVICES COM 032654105 1,147 9,350 SH   DFND 15 0 9,350 0
ANALOG DEVICES COM 032654105 61 495 SH   DFND 1 0 495 0
ANALOG DEVICES COM 032654105 48 390 SH   DFND 7 0 390 0
ANALOG DEVICES COM 032654105 12 100 SH   DFND 16 0 100 0
ANALOG DEVICES COM 032654105 71 575 SH   DFND 14 0 575 0
APPLE INC COM 037833100 3,679 10,086 SH   SOLE   10,086 0 0
APPLE INC COM 037833100 1,864 5,110 SH   DFND 15 0 5,110 0
APPLE INC COM 037833100 88 240 SH   DFND 1 0 240 0
APPLE INC COM 037833100 58 160 SH   DFND 7 0 160 0
APPLE INC COM 037833100 22 60 SH   DFND 16 0 60 0
APPLE INC COM 037833100 140 385 SH   DFND 14 0 385 0
APTARGROUP COM 038336103 1,806 16,130 SH   SOLE   16,130 0 0
APTARGROUP COM 038336103 1,139 10,175 SH   DFND 15 0 10,175 0
APTARGROUP COM 038336103 46 410 SH   DFND 1 0 410 0
APTARGROUP COM 038336103 45 400 SH   DFND 7 0 400 0
APTARGROUP COM 038336103 67 600 SH   DFND 14 0 600 0
AUTOMATIC DATA PROCESSING COM 053015103 2,302 15,464 SH   SOLE   15,464 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,100 7,390 SH   DFND 15 0 7,390 0
AUTOMATIC DATA PROCESSING COM 053015103 62 415 SH   DFND 1 0 415 0
AUTOMATIC DATA PROCESSING COM 053015103 42 285 SH   DFND 7 0 285 0
AUTOMATIC DATA PROCESSING COM 053015103 10 70 SH   DFND 16 0 70 0
AUTOMATIC DATA PROCESSING COM 053015103 140 940 SH   DFND 14 0 940 0
BECTON DICKINSON COM 075887109 1,479 6,182 SH   SOLE   6,182 0 0
BECTON DICKINSON COM 075887109 640 2,675 SH   DFND 15 0 2,675 0
BECTON DICKINSON COM 075887109 24 100 SH   DFND 1 0 100 0
BECTON DICKINSON COM 075887109 41 170 SH   DFND 7 0 170 0
BECTON DICKINSON COM 075887109 8 35 SH   DFND 16 0 35 0
BECTON DICKINSON COM 075887109 71 295 SH   DFND 14 0 295 0
BERKSHIRE HATHAWAY CL B COM 084670702 395 2,215 SH   SOLE   2,215 0 0
CAMBRIDGE BANCORP COM 132152109 515 8,700 SH   SOLE   8,700 0 0
CAMBRIDGE BANCORP COM 132152109 47 800 SH   DFND 15 0 800 0
CANADIAN NATL RAILWAY COM 136375102 2,171 24,509 SH   SOLE   24,509 0 0
CANADIAN NATL RAILWAY COM 136375102 1,196 13,500 SH   DFND 15 0 13,500 0
CANADIAN NATL RAILWAY COM 136375102 7 80 SH   DFND 1 0 80 0
CANADIAN NATL RAILWAY COM 136375102 46 525 SH   DFND 7 0 525 0
CANADIAN NATL RAILWAY COM 136375102 11 125 SH   DFND 16 0 125 0
CANADIAN NATL RAILWAY COM 136375102 55 625 SH   DFND 14 0 625 0
CHEVRON COM 166764100 1,024 11,479 SH   SOLE   11,479 0 0
CHEVRON COM 166764100 558 6,250 SH   DFND 15 0 6,250 0
CHEVRON COM 166764100 25 275 SH   DFND 1 0 275 0
CHEVRON COM 166764100 44 490 SH   DFND 7 0 490 0
CHEVRON COM 166764100 7 75 SH   DFND 16 0 75 0
CHEVRON COM 166764100 58 650 SH   DFND 14 0 650 0
CHUBB LIMITED COM H1467J104 722 5,699 SH   SOLE   5,699 0 0
CHUBB LIMITED COM H1467J104 575 4,540 SH   DFND 15 0 4,540 0
CHUBB LIMITED COM H1467J104 4 30 SH   DFND 1 0 30 0
CHUBB LIMITED COM H1467J104 7 55 SH   DFND 16 0 55 0
CHURCH & DWIGHT COM 171340102 1,379 17,837 SH   SOLE   17,837 0 0
CHURCH & DWIGHT COM 171340102 634 8,200 SH   DFND 15 0 8,200 0
CHURCH & DWIGHT COM 171340102 48 620 SH   DFND 1 0 620 0
CISCO SYS INC COM 17275R102 228 4,890 SH   SOLE   4,890 0 0
CISCO SYS INC COM 17275R102 83 1,770 SH   DFND 14 0 1,770 0
CLOROX COM 189054109 202 923 SH   SOLE   923 0 0
COLGATE-PALMOLIVE COM 194162103 186 2,536 SH   SOLE   2,536 0 0
COLGATE-PALMOLIVE COM 194162103 27 375 SH   DFND 14 0 375 0
CVS HEALTH COM 126650100 442 6,808 SH   SOLE   6,808 0 0
CVS HEALTH COM 126650100 471 7,250 SH   DFND 15 0 7,250 0
CVS HEALTH COM 126650100 6 100 SH   DFND 16 0 100 0
CVS HEALTH COM 126650100 26 400 SH   DFND 14 0 400 0
DANAHER CORP COM 235851102 2,959 16,734 SH   SOLE   16,734 0 0
DANAHER CORP COM 235851102 1,561 8,825 SH   DFND 15 0 8,825 0
DANAHER CORP COM 235851102 15 85 SH   DFND 1 0 85 0
DANAHER CORP COM 235851102 50 280 SH   DFND 7 0 280 0
DANAHER CORP COM 235851102 11 60 SH   DFND 16 0 60 0
DANAHER CORP COM 235851102 146 825 SH   DFND 14 0 825 0
DISNEY COM 254687106 1,709 15,330 SH   SOLE   15,330 0 0
DISNEY COM 254687106 644 5,775 SH   DFND 15 0 5,775 0
DISNEY COM 254687106 42 375 SH   DFND 1 0 375 0
DISNEY COM 254687106 45 400 SH   DFND 7 0 400 0
DISNEY COM 254687106 7 60 SH   DFND 16 0 60 0
DISNEY COM 254687106 64 575 SH   DFND 14 0 575 0
ECOLAB INC COM 278865100 335 1,685 SH   SOLE   1,685 0 0
ECOLAB INC COM 278865100 199 1,000 SH   DFND 15 0 1,000 0
ECOLAB INC COM 278865100 6 30 SH   DFND 14 0 30 0
EOG RESOURCES COM 26875P101 299 5,910 SH   SOLE   5,910 0 0
EOG RESOURCES COM 26875P101 13 250 SH   DFND 1 0 250 0
EOG RESOURCES COM 26875P101 47 925 SH   DFND 7 0 925 0
EOG RESOURCES COM 26875P101 5 100 SH   DFND 16 0 100 0
FISERV COM 337738108 1,885 19,307 SH   SOLE   19,307 0 0
FISERV COM 337738108 1,035 10,605 SH   DFND 15 0 10,605 0
FISERV COM 337738108 10 100 SH   DFND 1 0 100 0
FISERV COM 337738108 40 405 SH   DFND 7 0 405 0
FISERV COM 337738108 5 50 SH   DFND 16 0 50 0
FISERV COM 337738108 109 1,120 SH   DFND 14 0 1,120 0
FORTIVE CORP COM 34959J108 475 7,015 SH   SOLE   7,015 0 0
FORTIVE CORP COM 34959J108 529 7,825 SH   DFND 15 0 7,825 0
FORTIVE CORP COM 34959J108 4 60 SH   DFND 1 0 60 0
FORTIVE CORP COM 34959J108 5 80 SH   DFND 16 0 80 0
HOME DEPOT COM 437076102 2,152 8,592 SH   SOLE   8,592 0 0
HOME DEPOT COM 437076102 1,428 5,700 SH   DFND 15 0 5,700 0
HOME DEPOT COM 437076102 8 30 SH   DFND 1 0 30 0
HOME DEPOT COM 437076102 56 225 SH   DFND 7 0 225 0
HOME DEPOT COM 437076102 13 50 SH   DFND 16 0 50 0
HOME DEPOT COM 437076102 44 175 SH   DFND 14 0 175 0
ILLUMINA COM 452327109 1,338 3,613 SH   SOLE   3,613 0 0
ILLUMINA COM 452327109 11 30 SH   DFND 1 0 30 0
ILLUMINA COM 452327109 144 390 SH   DFND 15 0 390 0
ILLUMINA COM 452327109 7 20 SH   DFND 16 0 20 0
ILLUMINA COM 452327109 69 185 SH   DFND 14 0 185 0
INTEL CORP COM 458140100 1,314 21,965 SH   SOLE   21,965 0 0
INTEL CORP COM 458140100 967 16,160 SH   DFND 15 0 16,160 0
INTEL CORP COM 458140100 36 600 SH   DFND 1 0 600 0
INTEL CORP COM 458140100 84 1,400 SH   DFND 14 0 1,400 0
JOHNSON & JOHNSON COM 478160104 2,557 18,181 SH   SOLE   18,181 0 0
JOHNSON & JOHNSON COM 478160104 1,166 8,294 SH   DFND 15 0 8,294 0
JOHNSON & JOHNSON COM 478160104 190 1,350 SH   DFND 1 0 1,350 0
JOHNSON & JOHNSON COM 478160104 46 325 SH   DFND 7 0 325 0
JOHNSON & JOHNSON COM 478160104 116 825 SH   DFND 14 0 825 0
MASTERCARD COM 57636Q104 2,943 9,953 SH   SOLE   9,953 0 0
MASTERCARD COM 57636Q104 1,402 4,740 SH   DFND 15 0 4,740 0
MASTERCARD COM 57636Q104 146 495 SH   DFND 1 0 495 0
MASTERCARD COM 57636Q104 52 175 SH   DFND 7 0 175 0
MASTERCARD COM 57636Q104 12 40 SH   DFND 16 0 40 0
MASTERCARD COM 57636Q104 173 585 SH   DFND 14 0 585 0
MICROSOFT CORP COM 594918104 3,449 16,950 SH   SOLE   16,950 0 0
MICROSOFT CORP COM 594918104 1,918 9,425 SH   DFND 15 0 9,425 0
MICROSOFT CORP COM 594918104 41 200 SH   DFND 1 0 200 0
MICROSOFT CORP COM 594918104 51 250 SH   DFND 7 0 250 0
MICROSOFT CORP COM 594918104 15 75 SH   DFND 16 0 75 0
MICROSOFT CORP COM 594918104 129 635 SH   DFND 14 0 635 0
NESTLE SA ADR COM 641069406 2,213 20,039 SH   SOLE   20,039 0 0
NESTLE SA ADR COM 641069406 988 8,950 SH   DFND 15 0 8,950 0
NESTLE SA ADR COM 641069406 11 100 SH   DFND 1 0 100 0
NESTLE SA ADR COM 641069406 39 355 SH   DFND 7 0 355 0
NESTLE SA ADR COM 641069406 11 100 SH   DFND 16 0 100 0
NESTLE SA ADR COM 641069406 11 100 SH   DFND 14 0 100 0
NIKE INC CLASS B COM 654106103 312 3,182 SH   SOLE   3,182 0 0
NIKE INC CLASS B COM 654106103 17 175 SH   DFND 1 0 175 0
NIKE INC CLASS B COM 654106103 3 35 SH   DFND 16 0 35 0
NIKE INC CLASS B COM 654106103 23 230 SH   DFND 14 0 230 0
NOVARTIS AG ADR COM 66987V109 2,048 23,448 SH   SOLE   23,448 0 0
NOVARTIS AG ADR COM 66987V109 925 10,595 SH   DFND 15 0 10,595 0
NOVARTIS AG ADR COM 66987V109 10 110 SH   DFND 1 0 110 0
NOVARTIS AG ADR COM 66987V109 39 450 SH   DFND 7 0 450 0
NOVARTIS AG ADR COM 66987V109 9 100 SH   DFND 16 0 100 0
NOVARTIS AG ADR COM 66987V109 98 1,125 SH   DFND 14 0 1,125 0
NOVOZYMES A S DKK 2.0 COM B798FW902 1,398 24,260 SH   SOLE   24,260 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 768 13,325 SH   DFND 15 0 13,325 0
NOVOZYMES A S DKK 2.0 COM B798FW902 7 120 SH   DFND 1 0 120 0
PAYPAL HOLDINGS COM 70450Y103 1,712 9,828 SH   SOLE   9,828 0 0
PAYPAL HOLDINGS COM 70450Y103 852 4,890 SH   DFND 15 0 4,890 0
PAYPAL HOLDINGS COM 70450Y103 44 250 SH   DFND 1 0 250 0
PAYPAL HOLDINGS COM 70450Y103 174 1,000 SH   DFND 7 0 1,000 0
PAYPAL HOLDINGS COM 70450Y103 10 60 SH   DFND 16 0 60 0
PAYPAL HOLDINGS COM 70450Y103 26 150 SH   DFND 14 0 150 0
PEPSICO COM 713448108 804 6,077 SH   SOLE   6,077 0 0
PEPSICO COM 713448108 397 3,000 SH   DFND 15 0 3,000 0
PEPSICO COM 713448108 40 300 SH   DFND 14 0 300 0
PROCTER & GAMBLE COM 742718109 1,165 9,740 SH   SOLE   9,740 0 0
PROCTER & GAMBLE COM 742718109 843 7,050 SH   DFND 15 0 7,050 0
PROCTER & GAMBLE COM 742718109 120 1,000 SH   DFND 1 0 1,000 0
PROCTER & GAMBLE COM 742718109 39 325 SH   DFND 7 0 325 0
PROCTER & GAMBLE COM 742718109 146 1,225 SH   DFND 14 0 1,225 0
RAYTHEON TECHNOLOGIES COM 75513E101 1,302 21,123 SH   SOLE   21,123 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 8 125 SH   DFND 1 0 125 0
RAYTHEON TECHNOLOGIES COM 75513E101 102 1,650 SH   DFND 15 0 1,650 0
RAYTHEON TECHNOLOGIES COM 75513E101 10 160 SH   DFND 7 0 160 0
RAYTHEON TECHNOLOGIES COM 75513E101 6 100 SH   DFND 16 0 100 0
RAYTHEON TECHNOLOGIES COM 75513E101 59 950 SH   DFND 14 0 950 0
ROCHE HLDG LTD ADR COM 771195104 469 10,815 SH   SOLE   10,815 0 0
ROCHE HLDG LTD ADR COM 771195104 564 13,000 SH   DFND 15 0 13,000 0
ROCKWELL AUTOMATION COM 773903109 1,822 8,552 SH   SOLE   8,552 0 0
ROCKWELL AUTOMATION COM 773903109 890 4,180 SH   DFND 15 0 4,180 0
ROCKWELL AUTOMATION COM 773903109 10 45 SH   DFND 1 0 45 0
ROCKWELL AUTOMATION COM 773903109 56 265 SH   DFND 7 0 265 0
ROCKWELL AUTOMATION COM 773903109 5 25 SH   DFND 16 0 25 0
ROCKWELL AUTOMATION COM 773903109 75 350 SH   DFND 14 0 350 0
STRYKER CORP COM 863667101 320 1,775 SH   SOLE   1,775 0 0
STRYKER CORP COM 863667101 270 1,500 SH   DFND 15 0 1,500 0
STRYKER CORP COM 863667101 56 310 SH   DFND 14 0 310 0
SYSCO COM 871829107 306 5,600 SH   SOLE   5,600 0 0
SYSCO COM 871829107 279 5,100 SH   DFND 15 0 5,100 0
SYSCO COM 871829107 56 1,025 SH   DFND 14 0 1,025 0
TJX COS COM 872540109 439 8,686 SH   SOLE   8,686 0 0
TJX COS COM 872540109 15 300 SH   DFND 1 0 300 0
TJX COS COM 872540109 56 1,100 SH   DFND 15 0 1,100 0
TJX COS COM 872540109 3 50 SH   DFND 16 0 50 0
TJX COS COM 872540109 23 450 SH   DFND 14 0 450 0
UNILEVER PLC NEW ADR COM 904767704 1,527 27,830 SH   SOLE   27,830 0 0
UNILEVER PLC NEW ADR COM 904767704 727 13,250 SH   DFND 15 0 13,250 0
UNILEVER PLC NEW ADR COM 904767704 40 730 SH   DFND 1 0 730 0
UNILEVER PLC NEW ADR COM 904767704 42 760 SH   DFND 7 0 760 0
UNILEVER PLC NEW ADR COM 904767704 10 175 SH   DFND 16 0 175 0
UNILEVER PLC NEW ADR COM 904767704 11 200 SH   DFND 14 0 200 0
UNITED HEALTH GROUP COM 91324P102 1,449 4,912 SH   SOLE   4,912 0 0
UNITED HEALTH GROUP COM 91324P102 848 2,875 SH   DFND 15 0 2,875 0
UNITED HEALTH GROUP COM 91324P102 35 120 SH   DFND 1 0 120 0
UNITED HEALTH GROUP COM 91324P102 38 130 SH   DFND 7 0 130 0
UNITED HEALTH GROUP COM 91324P102 6 20 SH   DFND 16 0 20 0
UNITED HEALTH GROUP COM 91324P102 65 220 SH   DFND 14 0 220 0
VANGUARD TOTAL STOCK MARKET ET COM 922908769 157 1,000 SH   SOLE   1,000 0 0
VANGUARD TOTAL STOCK MARKET ET COM 922908769 94 600 SH   DFND 1 0 600 0
WAL-MART STORES COM 931142103 772 6,447 SH   SOLE   6,447 0 0
WAL-MART STORES COM 931142103 569 4,750 SH   DFND 15 0 4,750 0
WAL-MART STORES COM 931142103 24 200 SH   DFND 1 0 200 0
WAL-MART STORES COM 931142103 54 450 SH   DFND 14 0 450 0
WASTE MANAGEMENT INC COM 94106L109 213 2,015 SH   SOLE   2,015 0 0
XILINX COM 983919101 1,768 17,970 SH   SOLE   17,970 0 0
XILINX COM 983919101 935 9,505 SH   DFND 15 0 9,505 0
XILINX COM 983919101 37 375 SH   DFND 1 0 375 0
XILINX COM 983919101 50 505 SH   DFND 7 0 505 0
XILINX COM 983919101 4 40 SH   DFND 16 0 40 0
XILINX COM 983919101 135 1,375 SH   DFND 14 0 1,375 0
XYLEM INC COM 98419M100 743 11,438 SH   SOLE   11,438 0 0
XYLEM INC COM 98419M100 5 75 SH   DFND 1 0 75 0
XYLEM INC COM 98419M100 156 2,400 SH   DFND 15 0 2,400 0
XYLEM INC COM 98419M100 32 500 SH   DFND 7 0 500 0
XYLEM INC COM 98419M100 3 50 SH   DFND 16 0 50 0
XYLEM INC COM 98419M100 58 900 SH   DFND 14 0 900 0
FIDELITY ADVISOR EQUITY GROWTH Equity Mutual Fu 315805101 224 14,223 SH   SOLE   14,223 0 0