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 Co COM 88579Y101 459 3,544 SH   DFND   605 0 2,939
3M Co COM 88579Y101 633 4,888 SH   SOLE   4,888 0 0
AECOM COM 00766T100 29 450 SH   DFND   450 0 0
AGILENT TECHS INC COM 00846U101 110 930 SH   DFND   625 0 305
AGNC INVESTMENT CORP COM 00123Q104 80 7,250 SH   DFND   0 0 7,250
ALBEMARLE CORP COM 012653101 21 100 SH   DFND   0 0 100
ALCON AG ORD SHS H01301128 15 220 SH   SOLE   220 0 0
ALPHABET INC CAP STK CL A 02079K305 231 106 SH   DFND   68 0 38
ALPHABET INC CAP STK CL A 02079K305 7,266 3,334 SH   SOLE   3,254 0 80
AMER EXPRESS CO COM 025816109 319 2,300 SH   DFND   0 0 2,300
AMER EXPRESS CO COM 025816109 205 1,476 SH   SOLE   451 0 1,025
AMER INTL GRP COM NEW 026874784 10 195 SH   DFND   0 0 195
AMER INTL GRP COM NEW 026874784 116 2,274 SH   SOLE   2,274 0 0
ANALOG DEVICES INC COM 032654105 3 18 SH   SOLE   18 0 0
ANSYS, INC. COM 03662Q105 1 3 SH   DFND   0 0 3
APA Corp COM 03743Q108 73 2,102 SH   DFND   0 0 2,102
APPIAN CORP CL A 03782L101 19 400 SH   DFND   0 0 400
ARK ETF Trust AUTNMUS TECHNLGY 00214Q203 10 205 SH   DFND   0 0 205
AT&T INC COM 00206R102 1,081 51,565 SH   DFND   6,006 0 45,559
AT&T INC COM 00206R102 644 30,741 SH   SOLE   30,741 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,497 7,128 SH   DFND   746 0 6,382
AUTOMATIC DATA PROCESSING COM 053015103 824 3,922 SH   SOLE   2,692 0 1,230
AbbVie Inc COM 00287Y109 4,154 27,120 SH   DFND   250 0 26,870
AbbVie Inc COM 00287Y109 1,106 7,221 SH   SOLE   6,721 0 500
Abbott Laboratories COM 002824100 2,661 24,490 SH   DFND   1,172 0 23,318
Abbott Laboratories COM 002824100 6,902 63,526 SH   SOLE   62,020 0 1,506
Aberdeen Funds COM SH BEN INT 00302L108 7 1,350 SH   DFND   0 0 1,350
Accenture PLC SHS CLASS A G1151C101 83 300 SH   DFND   224 0 76
Accenture PLC SHS CLASS A G1151C101 4,434 15,971 SH   SOLE   15,265 0 706
Activision Blizzard Inc COM 00507V109 5 61 SH   SOLE   61 0 0
Adobe Inc COM 00724F101 229 625 SH   DFND   595 0 30
Adobe Inc COM 00724F101 4,064 11,103 SH   SOLE   10,621 0 482
Aflac Inc COM 001055102 76 1,374 SH   SOLE   1,374 0 0
Air Products and Chemicals Inc COM 009158106 377 1,566 SH   DFND   0 0 1,566
Alcoa Corp COM 013872106 91 2,000 SH   DFND   0 0 2,000
Alexandria Real Estate Equitie COM 015271109 88 609 SH   DFND   0 0 609
Allstate Corp/The COM 020002101 6 44 SH   DFND   0 0 44
Allstate Corp/The COM 020002101 2 13 SH   SOLE   13 0 0
Alphabet Inc CAP STK CL C 02079K107 42 19 SH   DFND   10 0 9
Alphabet Inc CAP STK CL C 02079K107 1,350 617 SH   SOLE   617 0 0
Alps Closed End Funds/USA SH BEN INT 530158104 13 2,100 SH   DFND   0 0 2,100
Altria Group Inc COM 02209S103 202 4,837 SH   DFND   0 0 4,837
Altria Group Inc COM 02209S103 96 2,300 SH   SOLE   2,300 0 0
Amazon.com Inc COM 023135106 440 4,140 SH   DFND   1,800 0 2,340
Amazon.com Inc COM 023135106 5,569 52,438 SH   SOLE   49,278 0 3,160
American Airlines Group Inc COM 02376R102 10 785 SH   DFND   0 0 785
American Electric Power Co Inc COM 025537101 104 1,086 SH   DFND   0 0 1,086
American Electric Power Co Inc COM 025537101 12 120 SH   SOLE   120 0 0
American Tower Corp COM 03027X100 3 13 SH   SOLE   13 0 0
American Water Works Co Inc COM 030420103 19 128 SH   DFND   101 0 27
American Water Works Co Inc COM 030420103 5,310 35,695 SH   SOLE   34,779 0 916
Ameriprise Financial Inc COM 03076C106 38 159 SH   DFND   0 0 159
Amgen Inc COM 031162100 297 1,220 SH   DFND   67 0 1,153
Amgen Inc COM 031162100 6,756 27,767 SH   SOLE   26,338 0 1,429
Annaly Capital Management Inc COM 035710409 106 18,000 SH   DFND   0 0 18,000
Apollo Commercial Real Estate COM 03762U105 10 1,000 SH   DFND   0 0 1,000
Apple Inc COM 037833100 2,991 21,877 SH   DFND   5,613 0 16,264
Apple Inc COM 037833100 28,700 209,920 SH   SOLE   199,791 0 10,129
Archer-Daniels-Midland Co COM 039483102 174 2,241 SH   DFND   0 0 2,241
Arconic Corp COM 03966V107 43 1,525 SH   DFND   0 0 1,525
Ares Commercial Real Estate Co COM 04013V108 12 1,010 SH   DFND   0 0 1,010
Argan Inc COM 04010E109 7 200 SH   DFND   0 0 200
Arthur J Gallagher & Co COM 363576109 195 1,196 SH   DFND   763 0 433
Arthur J Gallagher & Co COM 363576109 8,611 52,814 SH   SOLE   52,241 0 573
Ashland Global Holdings Inc COM 044186104 355 3,442 SH   DFND   3,442 0 0
AstraZeneca PLC SPONSORED ADR 046353108 13 191 SH   SOLE   191 0 0
AutoZone Inc COM 053332102 262 122 SH   DFND   29 0 93
AutoZone Inc COM 053332102 138 64 SH   SOLE   64 0 0
Autoliv Inc COM 052800109 0 6 SH   DFND   0 0 6
AvalonBay Communities Inc COM 053484101 2 10 SH   SOLE   10 0 0
Azenta Inc COM 114340102 43 600 SH   DFND   600 0 0
B&G Foods Inc COM 05508R106 24 1,000 SH   DFND   0 0 1,000
BARRICK GOLD CORP COM 067901108 19 1,097 SH   DFND   1,097 0 0
BAXTER INTL INC COM 071813109 85 1,330 SH   DFND   300 0 1,030
BAXTER INTL INC COM 071813109 143 2,226 SH   SOLE   1,026 0 1,200
BCE Inc COM NEW 05534B760 25 500 SH   DFND   500 0 0
BEST BUY CO INC COM 086516101 99 1,524 SH   DFND   0 0 1,524
BK OF AMERICA CORP COM 060505104 212 6,812 SH   DFND   100 0 6,712
BK OF AMERICA CORP COM 060505104 36 1,162 SH   SOLE   1,162 0 0
BK OF MONTREAL COM 063671101 96 1,000 SH   DFND   0 0 1,000
BK OF NOVA SCOTIA COM 064149107 195 3,300 SH   DFND   0 0 3,300
BK OF NY MELLON CP COM 064058100 36 857 SH   DFND   0 0 857
BK OF NY MELLON CP COM 064058100 16 377 SH   SOLE   0 0 377
BOEING CO COM 097023105 95 697 SH   DFND   0 0 697
BOEING CO COM 097023105 16 114 SH   SOLE   114 0 0
BP PLC SPONSORED ADR 055622104 8 288 SH   DFND   0 0 288
BP PLC SPONSORED ADR 055622104 43 1,500 SH   SOLE   1,500 0 0
BRIGHTHOUSE FINANCIAL INC. COM 10922N103 82 2,000 SH   DFND   0 0 2,000
BRIGHTHOUSE FINANCIAL INC. COM 10922N103 1 15 SH   SOLE   15 0 0
BRISTOL-MYRS SQUIB COM 110122108 367 4,761 SH   DFND   739 0 4,022
BRISTOL-MYRS SQUIB COM 110122108 778 10,101 SH   SOLE   9,651 0 450
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107 4 100 SH   DFND   0 0 100
BRITISH AMERICAN TOBACCO PLC SPONSORED ADR 110448107 16 367 SH   SOLE   367 0 0
BROOKFIELD ASSET M CL A LTD VT SH 112585104 1 18 SH   DFND   0 0 18
Bar Harbor Bankshares COM 066849100 43 1,650 SH   DFND   0 0 1,650
Bath & Body Works Inc COM 070830104 8 300 SH   DFND   0 0 300
Berkshire Hathaway Inc CL B NEW 084670702 37 135 SH   DFND   67 0 68
Berkshire Hathaway Inc CL B NEW 084670702 5,334 19,538 SH   SOLE   17,876 0 1,662
Beyond Meat Inc COM 08862E109 2 85 SH   DFND   0 0 85
Black Hills Corp COM 092113109 95 1,300 SH   DFND   1,300 0 0
BlackBerry Ltd COM 09228F103 3 500 SH   DFND   0 0 500
BlackRock Fund Advisors IBONDS DEC23 ETF 46434VAX8 2,482 98,920 SH   DFND   98,920 0 0
BlackRock Funds/Closed-End/USA COM 09255C106 150 13,627 SH   DFND   0 0 13,627
BlackRock Inc COM 09247X101 180 295 SH   DFND   130 0 165
BlackRock Inc COM 09247X101 5,622 9,231 SH   SOLE   9,135 0 96
Blackstone Inc COM 09260D107 205 2,250 SH   SOLE   2,250 0 0
Block Inc CL A 852234103 2 35 SH   DFND   0 0 35
Booking Holdings Inc COM 09857L108 129 74 SH   SOLE   44 0 30
BrightSpire Capital Inc COM CL A 10949T109 119 15,800 SH   DFND   0 0 15,800
Broadcom Inc COM 11135F101 73 150 SH   DFND   150 0 0
Broadcom Inc COM 11135F101 213 439 SH   SOLE   439 0 0
Brookfield Renewable Partners CL A SUB VTG 11284V105 15 435 SH   DFND   0 0 435
Brookfield Renewable Partners PARTNERSHIP UNIT G16258108 21 600 SH   DFND   0 0 600
CARRIER GLOBAL CORP COM 14448C104 30 835 SH   DFND   75 0 760
CARRIER GLOBAL CORP COM 14448C104 3 72 SH   SOLE   72 0 0
CDK Global Inc COM 12508E101 34 617 SH   SOLE   617 0 0
CEMEX SAB DE CV SPON ADR NEW 151290889 4 1,000 SH   DFND   0 0 1,000
CHARLES SCHWAB INVESTMENT MANAGEMENT INC EMRG MKTEQ ETF 808524706 62 2,439 SH   SOLE   2,439 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797 75 1,050 SH   DFND   1,050 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US TIPS ETF 808524870 17 300 SH   DFND   0 0 300
CHUBB LIMITED COM COM H1467J104 9 44 SH   DFND   0 0 44
CHUBB LIMITED COM COM H1467J104 37 189 SH   SOLE   189 0 0
CIBC COM 136069101 97 2,000 SH   DFND   0 0 2,000
CISCO SYSTEMS COM 17275R102 702 16,454 SH   DFND   2,545 0 13,909
CISCO SYSTEMS COM 17275R102 7,203 168,932 SH   SOLE   158,552 0 10,380
CME Group Inc COM 12572Q105 112 546 SH   SOLE   546 0 0
COGNIZANT TECHNOLO CL A 192446102 9 130 SH   DFND   0 0 130
COGNIZANT TECHNOLO CL A 192446102 228 3,377 SH   SOLE   1,327 0 2,050
COLGATE-PALMOLIVE COM 194162103 361 4,500 SH   SOLE   4,500 0 0
CONAGRA FOODS INC COM 205887102 82 2,400 SH   DFND   0 0 2,400
CONAGRA FOODS INC COM 205887102 12 343 SH   SOLE   343 0 0
CONOCOPHILLIPS COM 20825C104 380 4,229 SH   DFND   0 0 4,229
CONOCOPHILLIPS COM 20825C104 175 1,950 SH   SOLE   1,950 0 0
CORNING INC COM 219350105 612 19,438 SH   DFND   2,450 0 16,988
CORNING INC COM 219350105 166 5,274 SH   SOLE   5,274 0 0
CVS Health Corp COM 126650100 621 6,705 SH   DFND   0 0 6,705
CVS Health Corp COM 126650100 196 2,117 SH   SOLE   2,117 0 0
Cantaloupe Inc COM 138103106 5 905 SH   DFND   0 0 905
Capital One Financial Corp COM 14040H105 96 926 SH   DFND   0 0 926
Capital Southwest Corp COM 140501107 7 355 SH   DFND   0 0 355
Cardinal Health Inc COM 14149Y108 94 1,790 SH   SOLE   0 0 1,790
Casella Waste Systems Inc CL A 147448104 2,304 31,704 SH   SOLE   31,704 0 0
Caterpillar Inc COM 149123101 608 3,404 SH   DFND   304 0 3,100
Cenovus Energy Inc COM 15135U109 28 1,472 SH   DFND   0 0 1,472
ChargePoint Holdings Inc COM CL A 15961R105 1 100 SH   DFND   0 0 100
Charles Schwab Corp/The COM 808513105 394 6,235 SH   SOLE   6,235 0 0
Charles Schwab Investment Management Inc US BRD MKT ETF 808524102 96 2,178 SH   DFND   2,178 0 0
Chemed Corp COM 16359R103 188 400 SH   SOLE   400 0 0
Chemours Co/The COM 163851108 8 244 SH   DFND   0 0 244
Chemours Co/The COM 163851108 1 20 SH   SOLE   20 0 0
Chemung Financial Corp COM 164024101 52 1,100 SH   DFND   0 0 1,100
Cherry Hill Mortgage Investmen COM 164651101 7 1,100 SH   DFND   0 0 1,100
Chevron Corp COM 166764100 796 5,499 SH   DFND   0 0 5,499
Chevron Corp COM 166764100 690 4,765 SH   SOLE   4,115 0 650
Chimera Investment Corp COM NEW 16934Q208 26 3,000 SH   DFND   0 0 3,000
Church & Dwight Co Inc COM 171340102 202 2,176 SH   SOLE   2,176 0 0
Churchill Downs Inc COM 171484108 1 5 SH   DFND   0 0 5
Cigna Corp COM 125523100 10 39 SH   DFND   0 0 39
Citigroup Inc COM NEW 172967424 15 327 SH   DFND   0 0 327
Clorox Co/The COM 189054109 693 4,913 SH   DFND   174 0 4,739
Clorox Co/The COM 189054109 20 143 SH   SOLE   143 0 0
Coca-Cola Co/The COM 191216100 1,166 18,537 SH   DFND   1,620 0 16,917
Coca-Cola Co/The COM 191216100 1,888 30,014 SH   SOLE   30,014 0 0
Comcast Corp CL A 20030N101 263 6,697 SH   DFND   1,069 0 5,628
Comcast Corp CL A 20030N101 357 9,092 SH   SOLE   9,092 0 0
Consolidated Edison Inc COM 209115104 172 1,808 SH   DFND   0 0 1,808
Constellation Brands Inc CL A 21036P108 35 150 SH   SOLE   150 0 0
Constellation Energy Corp None 21037T109 64 1,116 SH   DFND   0 0 1,116
Constellium SE CL A SHS F21107101 3 200 SH   DFND   0 0 200
Corteva Inc COM 22052L104 2 37 SH   DFND   0 0 37
Corteva Inc COM 22052L104 2 42 SH   SOLE   42 0 0
Costco Wholesale Corp COM 22160K105 484 1,009 SH   DFND   754 0 255
Costco Wholesale Corp COM 22160K105 6,523 13,611 SH   SOLE   13,015 0 596
Crestwood Equity Partners LP UNIT LTD PARTNER 226344208 12 510 SH   DFND   0 0 510
Crown Castle International Cor COM 22822V101 13 76 SH   DFND   0 0 76
DEERE & CO COM 244199105 286 956 SH   DFND   0 0 956
DENTSPLY SIRONA COM 24906P109 68 1,900 SH   DFND   1,600 0 300
DIAGEO SPON ADR NEW 25243Q205 87 500 SH   SOLE   500 0 0
DISCOVER FINL SVCS COM 254709108 142 1,500 SH   DFND   0 0 1,500
DOMINION RES(VIR) COM 25746U109 212 2,654 SH   DFND   0 0 2,654
DOMINION RES(VIR) COM 25746U109 96 1,200 SH   SOLE   1,200 0 0
DUKE ENERGY CORP COM NEW 26441C204 495 4,620 SH   DFND   1,827 0 2,793
DUKE ENERGY CORP COM NEW 26441C204 6,645 61,981 SH   SOLE   61,168 0 813
Dana Inc COM 235825205 17 1,200 SH   DFND   1,200 0 0
Danaher Corp COM 235851102 38 149 SH   DFND   57 0 92
Danaher Corp COM 235851102 7,530 29,703 SH   SOLE   27,898 0 1,805
Darden Restaurants Inc COM 237194105 12 104 SH   DFND   0 0 104
Darden Restaurants Inc COM 237194105 23 204 SH   SOLE   204 0 0
Dell Technologies Inc CL C 24703L202 2 42 SH   SOLE   42 0 0
Delta Air Lines Inc COM NEW 247361702 112 3,879 SH   DFND   0 0 3,879
Desktop Metal Inc COM CL A 25058X105 2 1,000 SH   DFND   0 0 1,000
Dick's Sporting Goods Inc COM 253393102 106 1,400 SH   DFND   0 0 1,400
Dollar General Corp COM 256677105 1 6 SH   DFND   0 0 6
Douglas Dynamics Inc COM 25960R105 57 2,000 SH   DFND   0 0 2,000
Dow Inc COM 260557103 121 2,346 SH   DFND   0 0 2,346
Dow Inc COM 260557103 16 308 SH   SOLE   308 0 0
DuPont de Nemours Inc COM 26614N102 5 96 SH   DFND   0 0 96
DuPont de Nemours Inc COM 26614N102 17 313 SH   SOLE   313 0 0
ECOLAB INC COM 278865100 355 2,310 SH   SOLE   2,310 0 0
EMERSON ELECTRIC COM 291011104 480 6,039 SH   DFND   900 0 5,139
EMERSON ELECTRIC COM 291011104 969 12,181 SH   SOLE   11,745 0 436
ENBRIDGE INC COM 29250N105 10 246 SH   SOLE   246 0 0
EOG Resources Inc COM 26875P101 179 1,625 SH   DFND   0 0 1,625
EOG Resources Inc COM 26875P101 4 35 SH   SOLE   35 0 0
EQUINIX INC COM 29444U700 33 50 SH   DFND   50 0 0
ETFis Series Trust I VIRTUS INFRCAP 26923G822 16 750 SH   DFND   0 0 750
ETRACS ETNs/UBS AG/London/USA ETRACS MNTHLY B 90274E166 47 5,880 SH   DFND   0 0 5,880
EXCHANGE TRADED CONCEPTS LLC ROBO GLB ETF 301505707 9 196 SH   DFND   0 0 196
Eagle Point Credit Co Inc COM 269808101 114 9,700 SH   DFND   0 0 9,700
Eastman Chemical Co COM 277432100 29 323 SH   SOLE   323 0 0
Eaton Corp PLC SHS G29183103 387 3,071 SH   DFND   0 0 3,071
Elevance Health Inc COM 036752103 28 59 SH   SOLE   59 0 0
Eli Lilly & Co COM 532457108 164 507 SH   DFND   65 0 442
Eli Lilly & Co COM 532457108 12,931 39,883 SH   SOLE   39,152 0 731
EnerSys COM 29275Y102 44 750 SH   SOLE   750 0 0
Energy Transfer LP COM UT LTD PTN 29273V100 55 5,500 SH   DFND   0 0 5,500
Entergy Corp COM 29364G103 135 1,200 SH   DFND   0 0 1,200
Enterprise Products Partners L COM 293792107 10 400 SH   DFND   0 0 400
Essential Utilities Inc COM 29670G102 157 3,419 SH   SOLE   3,419 0 0
Evergy Inc COM 30034W106 162 2,484 SH   DFND   0 0 2,484
Evergy Inc COM 30034W106 65 1,000 SH   SOLE   1,000 0 0
Eversource Energy COM 30040W108 169 2,005 SH   SOLE   2,005 0 0
Exelon Corp COM 30161N101 152 3,348 SH   DFND   0 0 3,348
Exelon Corp COM 30161N101 13 285 SH   SOLE   285 0 0
Exxon Mobil Corp COM 30231G102 1,270 14,831 SH   DFND   3,433 0 11,398
Exxon Mobil Corp COM 30231G102 10,373 121,127 SH   SOLE   119,758 0 1,369
FACEBOOK INC CL A 30303M102 99 611 SH   DFND   36 0 575
FACEBOOK INC CL A 30303M102 110 680 SH   SOLE   680 0 0
FEDEX CORP COM 31428X106 239 1,055 SH   DFND   0 0 1,055
FEDEX CORP COM 31428X106 95 419 SH   SOLE   419 0 0
FMC Corp COM NEW 302491303 2 17 SH   SOLE   17 0 0
FRANCO-NEVADA CORP COM 351858105 9 65 SH   DFND   0 0 65
FREEPORT-MCMOR C&G CL B 35671D857 17 591 SH   SOLE   591 0 0
FS KKR Capital Corp COM 302635206 16 800 SH   DFND   0 0 800
Fastenal Co COM 311900104 100 2,000 SH   DFND   0 0 2,000
Fidelity National Information COM 31620M106 46 500 SH   DFND   0 0 500
Financial Institutions Inc COM 317585404 132 5,085 SH   DFND   0 0 5,085
First Financial Bancorp COM 320209109 22 1,111 SH   SOLE   1,111 0 0
First Trust ETFs/USA NAT GAS ETF 33733E807 306 13,960 SH   DFND   13,960 0 0
First Trust ETFs/USA CLOUD COMPUTING 33734X192 12 180 SH   DFND   0 0 180
First Trust ETFs/USA INDXX GLOBAL AGR 33734X812 12 440 SH   DFND   440 0 0
First Trust ETFs/USA INDXX NAT RE ETF 33734X838 48 3,614 SH   DFND   3,614 0 0
First Trust ETFs/USA COM SHS 33735K108 6 69 SH   DFND   0 0 69
FirstEnergy Corp COM 337932107 6 150 SH   DFND   0 0 150
FirstEnergy Corp COM 337932107 145 3,787 SH   SOLE   3,787 0 0
Flowserve Corp COM 34354P105 3 100 SH   DFND   0 0 100
Ford Motor Co COM 345370860 85 7,660 SH   DFND   0 0 7,660
Ford Motor Co COM 345370860 114 10,285 SH   SOLE   10,285 0 0
Fortive Corp COM 34959J108 37 675 SH   SOLE   675 0 0
Four Corners Property Trust In COM 35086T109 3 100 SH   DFND   0 0 100
Franklin Resources Inc COM 354613101 47 2,000 SH   DFND   0 0 2,000
Fulton Financial Corp COM 360271100 66 4,552 SH   SOLE   4,552 0 0
GEN DYNAMICS CORP COM 369550108 182 822 SH   DFND   86 0 736
GEN DYNAMICS CORP COM 369550108 5,015 22,666 SH   SOLE   22,345 0 321
GLAXOSMITHKLINE SPONSORED ADR 37733W105 13 300 SH   DFND   300 0 0
GLAXOSMITHKLINE SPONSORED ADR 37733W105 159 3,655 SH   SOLE   3,655 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 15 751 SH   DFND   0 0 751
GOLDMAN SACHS GRP COM 38141G104 251 844 SH   DFND   0 0 844
GOLDMAN SACHS GRP COM 38141G104 193 650 SH   SOLE   650 0 0
GORMAN-RUPP CO/THE COM 383082104 34 1,200 SH   DFND   1,100 0 100
Gaming and Leisure Properties COM 36467J108 6 123 SH   SOLE   123 0 0
General Electric Co COM NEW 369604301 204 3,206 SH   DFND   0 0 3,206
General Electric Co COM NEW 369604301 97 1,520 SH   SOLE   1,520 0 0
General Mills Inc COM 370334104 269 3,571 SH   DFND   0 0 3,571
General Mills Inc COM 370334104 41 544 SH   SOLE   544 0 0
General Motors Co COM 37045V100 67 2,100 SH   DFND   0 0 2,100
Genuine Parts Co COM 372460105 38 288 SH   DFND   288 0 0
Gilead Sciences Inc COM 375558103 1 10 SH   DFND   0 0 10
Gilead Sciences Inc COM 375558103 1 18 SH   SOLE   18 0 0
Global Partners LP/MA COM UNITS 37946R109 13 560 SH   DFND   0 0 560
Global X ETFs/USA GBL X BLOCKCHAIN 37954Y160 8 1,600 SH   DFND   1,600 0 0
Goldman Sachs ETF Trust ACTIVEBETA INT 381430107 7 241 SH   DFND   0 0 241
Goldman Sachs ETF Trust ACTIVEBETA INT 381430107 331 11,922 SH   SOLE   11,922 0 0
Goldman Sachs ETF Trust ACTIVEBETA US LG 381430503 13 167 SH   DFND   167 0 0
Goldman Sachs ETF Trust ACTIVEBETA US LG 381430503 721 9,617 SH   SOLE   9,394 0 223
Goodyear Tire & Rubber Co/The COM 382550101 0 45 SH   DFND   0 0 45
Guidewire Software Inc COM 40171V100 71 1,000 SH   DFND   0 0 1,000
HALLIBURTON COM 406216101 7 228 SH   DFND   0 0 228
HANESBRANDS INC COM 410345102 8 730 SH   DFND   0 0 730
HCA Healthcare Inc COM 40412C101 11 65 SH   DFND   0 0 65
HOLLY ENERGY PARTNERS LP COM UT LTD PTN 435763107 14 900 SH   DFND   0 0 900
HONDA MOTOR CO AMERN SHS 438128308 2 100 SH   DFND   0 0 100
HORIZON THERAPEUTICS PLC SHS G46188101 24 300 SH   DFND   300 0 0
HP Inc COM 40434L105 20 600 SH   DFND   0 0 600
Haemonetics Corp COM 405024100 37 560 SH   SOLE   560 0 0
Hartford Financial Services Gr COM 416515104 198 3,028 SH   DFND   0 0 3,028
Hawaiian Electric Industries I COM 419870100 20 500 SH   DFND   500 0 0
Healthcare Ventures LLC COM 52187K101 1 1,205 SH   DFND   1,205 0 0
Helmerich & Payne Inc COM 423452101 8 179 SH   DFND   0 0 179
Hershey Co/The COM 427866108 24 112 SH   DFND   0 0 112
Hershey Co/The COM 427866108 414 1,924 SH   SOLE   1,924 0 0
Hewlett Packard Enterprise Co COM 42824C109 8 578 SH   DFND   0 0 578
Highland Funds I HIGHLAND INCOME 43010E404 8 720 SH   DFND   0 0 720
Home Depot Inc/The COM 437076102 700 2,552 SH   DFND   563 0 1,989
Home Depot Inc/The COM 437076102 8,066 29,408 SH   SOLE   29,132 0 276
Honeywell International Inc COM 438516106 276 1,586 SH   DFND   374 0 1,212
Honeywell International Inc COM 438516106 6,648 38,250 SH   SOLE   37,170 0 1,080
Hormel Foods Corp COM 440452100 194 4,104 SH   DFND   0 0 4,104
Howmet Aerospace Inc COM 443201108 192 6,100 SH   DFND   0 0 6,100
Huntington Bancshares Inc/OH COM 446150104 125 10,408 SH   DFND   0 0 10,408
IBM COM 459200101 621 4,401 SH   DFND   300 0 4,101
IBM COM 459200101 3,142 22,251 SH   SOLE   21,781 0 470
IDACORP Inc COM 451107106 5 50 SH   DFND   50 0 0
II-VI Inc COM 902104108 3 50 SH   DFND   0 0 50
ILLINOIS TOOL WKS COM 452308109 367 2,012 SH   DFND   312 0 1,700
INTERCONTINENTAL EXCHANGE COM 45866F104 14 144 SH   DFND   129 0 15
INTERCONTINENTAL EXCHANGE COM 45866F104 2,643 28,107 SH   SOLE   26,472 0 1,635
ISHARES S&P 100 ETF 464287101 217 1,259 SH   SOLE   1,259 0 0
ISHARES SELECT DIVID ETF 464287168 734 6,238 SH   DFND   450 0 5,788
ISHARES SELECT DIVID ETF 464287168 568 4,830 SH   SOLE   4,830 0 0
ISHARES CORE S&P500 ETF 464287200 1,059 2,792 SH   DFND   1,879 0 913
ISHARES CORE S&P500 ETF 464287200 105 278 SH   SOLE   278 0 0
ISHARES IBOXX INV CP ETF 464287242 31 286 SH   DFND   146 0 140
ISHARES IBOXX INV CP ETF 464287242 709 6,448 SH   SOLE   6,220 0 228
ISHARES GBL COMM SVC ETF 464287275 31 500 SH   DFND   500 0 0
ISHARES S&P 500 GRWT ETF 464287309 333 5,512 SH   SOLE   5,512 0 0
ISHARES GLOB HLTHCRE ETF 464287325 292 3,600 SH   DFND   3,600 0 0
ISHARES GLOBAL ENERG ETF 464287341 213 6,300 SH   DFND   6,300 0 0
ISHARES S&P 500 VAL ETF 464287408 85 619 SH   SOLE   619 0 0
ISHARES ISHARES BIOTECH 464287556 106 900 SH   DFND   900 0 0
ISHARES RUS 2000 VAL ETF 464287630 232 1,705 SH   SOLE   1,705 0 0
ISHARES RUSSELL 2000 ETF 464287655 500 2,952 SH   DFND   0 0 2,952
ISHARES RUSSELL 2000 ETF 464287655 120 706 SH   SOLE   706 0 0
ISHARES SP SMCP600VL ETF 464287879 426 4,787 SH   SOLE   3,787 0 1,000
ISHARES SHORT TREAS BD 464288679 110 1,000 SH   DFND   1,000 0 0
ISHARES EAFE VALUE ETF 464288877 1 16 SH   DFND   0 0 16
ISHARES EAFE VALUE ETF 464288877 14 317 SH   SOLE   317 0 0
ISHARES ISHARES 46428Q109 56 3,000 SH   DFND   0 0 3,000
ISHARES ISHARES 46428Q109 26 1,376 SH   SOLE   1,376 0 0
ISHARES CORE MSCI EAFE 46432F842 510 8,667 SH   DFND   1,205 0 7,462
ISHARES CORE MSCI EAFE 46432F842 23 383 SH   SOLE   383 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 201 5,012 SH   DFND   5,012 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 401 9,997 SH   SOLE   9,997 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 1,474 23,287 SH   SOLE   23,287 0 0
ISHARES TRUST TIPS BD ETF 464287176 15 128 SH   DFND   0 0 128
ISHARES TRUST GLOBAL TECH ETF 464287291 260 5,700 SH   DFND   5,700 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457 663 8,006 SH   DFND   8,006 0 0
ISHARES TRUST 1 3 YR TREAS BD 464287457 761 9,191 SH   SOLE   8,885 0 306
ISHARES TRUST GL TIMB FORE ETF 464288174 56 750 SH   DFND   750 0 0
ISHARES/USA NATIONAL MUN ETF 464288414 790 7,431 SH   DFND   6,750 0 681
ITRON INC COM 465741106 15 300 SH   DFND   300 0 0
Ingevity Corp COM 45688C107 95 1,500 SH   DFND   0 0 1,500
Intel Corp COM 458140100 863 23,069 SH   DFND   5,279 0 17,790
Intel Corp COM 458140100 1,289 34,450 SH   SOLE   31,445 0 3,005
International Paper Co COM 460146103 2 50 SH   DFND   0 0 50
International Paper Co COM 460146103 61 1,455 SH   SOLE   1,455 0 0
Interpublic Group of Cos Inc/T COM 460690100 114 4,128 SH   DFND   0 0 4,128
Intuitive Surgical Inc COM NEW 46120E602 17 86 SH   DFND   77 0 9
Intuitive Surgical Inc COM NEW 46120E602 2,959 14,744 SH   SOLE   14,392 0 352
Invesco ETFs/USA UNIT SER 1 46090E103 475 1,696 SH   DFND   0 0 1,696
Invesco ETFs/USA UNIT SER 1 46090E103 85 305 SH   SOLE   305 0 0
Invesco ETFs/USA INDIA ETF 46137R109 68 3,000 SH   DFND   3,000 0 0
Invesco ETFs/USA S&P500 EQL HLT 46137V332 40 150 SH   DFND   150 0 0
Invesco ETFs/USA S&P500 EQL ENR 46137V365 111 1,800 SH   DFND   1,800 0 0
Invesco ETFs/USA DYNMC PHRMCTLS 46137V662 67 900 SH   DFND   900 0 0
Invesco ETFs/USA S&P GBL WATER 46138E263 106 2,400 SH   DFND   2,400 0 0
Invesco ETFs/USA S&P500 LOW VOL 46138E354 44 705 SH   SOLE   705 0 0
Invesco ETFs/USA PFD ETF 46138E511 38 3,057 SH   DFND   1,194 0 1,863
Invesco ETFs/USA PFD ETF 46138E511 4,936 400,023 SH   SOLE   398,262 0 1,761
Invesco ETFs/USA S&P SMALLCAP 600 46138G664 3 30 SH   DFND   0 0 30
Invesco ETFs/USA S&P SMALLCAP 600 46138G664 120 1,174 SH   SOLE   1,174 0 0
Invesco ETFs/USA S&P 500 REVENUE 46138G698 68 971 SH   DFND   311 0 660
Invesco ETFs/USA S&P 500 REVENUE 46138G698 4,868 69,673 SH   SOLE   68,518 0 1,155
Invesco ETFs/USA SOLAR ETF 46138G706 0 5 SH   DFND   0 0 5
JPMorgan Chase & Co COM 46625H100 664 5,898 SH   DFND   2,475 0 3,423
JPMorgan Chase & Co COM 46625H100 7,305 64,874 SH   SOLE   62,081 0 2,793
JUNIPER NETWORKS COM 48203R104 57 2,000 SH   DFND   0 0 2,000
John Hancock Exchange-Traded F MULTIFACTOR HE 47804J503 45 987 SH   SOLE   987 0 0
Johnson & Johnson COM 478160104 2,317 13,052 SH   DFND   2,518 0 10,534
Johnson & Johnson COM 478160104 3,823 21,534 SH   SOLE   21,134 0 400
Johnson Controls International SHS G51502105 10 214 SH   DFND   0 0 214
Johnson Controls International SHS G51502105 2 36 SH   SOLE   36 0 0
KB Home COM 48666K109 17 600 SH   DFND   600 0 0
KIMBERLY-CLARK CP COM 494368103 354 2,620 SH   DFND   119 0 2,501
KIMBERLY-CLARK CP COM 494368103 5,364 39,692 SH   SOLE   38,817 0 875
KIMCO REALTY COM 49446R109 18 900 SH   DFND   0 0 900
Kellogg Co COM 487836108 3 48 SH   DFND   0 0 48
Kellogg Co COM 487836108 93 1,300 SH   SOLE   1,300 0 0
KeyCorp COM 493267108 105 6,117 SH   DFND   0 0 6,117
KeyCorp COM 493267108 17 1,000 SH   SOLE   1,000 0 0
Kinder Morgan Inc COM 49456B101 34 2,000 SH   DFND   0 0 2,000
Kraft Foods Inc CL A 609207105 135 2,179 SH   DFND   0 0 2,179
Kraft Foods Inc CL A 609207105 148 2,390 SH   SOLE   2,390 0 0
Kraft Heinz Co/The COM 500754106 39 1,028 SH   DFND   0 0 1,028
KraneShares ETFs/USA QUADRTC INT RT 500767736 29 1,130 SH   DFND   0 0 1,130
Kyndryl Holdings Inc COMMON STOCK 50155Q100 8 808 SH   DFND   0 0 808
Kyndryl Holdings Inc COMMON STOCK 50155Q100 2 211 SH   SOLE   211 0 0
L3Harris Technologies Inc COM 502431109 103 428 SH   DFND   0 0 428
L3Harris Technologies Inc COM 502431109 208 861 SH   SOLE   861 0 0
LOWE'S COS INC COM 548661107 159 913 SH   DFND   198 0 715
LOWE'S COS INC COM 548661107 695 3,979 SH   SOLE   1,711 0 2,268
LUCID GROUP INC COM 549498103 9 500 SH   DFND   0 0 500
Laboratory Corp of America Hol COM NEW 50540R409 234 1,000 SH   DFND   0 0 1,000
Lamb Weston Holdings Inc COM 513272104 19 266 SH   DFND   0 0 266
Leggett & Platt Inc COM 524660107 138 4,000 SH   DFND   800 0 3,200
Linde PLC SHS G5494J103 130 451 SH   DFND   0 0 451
Lindsay Corp COM 535555106 40 300 SH   DFND   300 0 0
Lithium Americas Corp COM NEW 53680Q207 4 200 SH   DFND   0 0 200
Lockheed Martin Corp COM 539830109 184 429 SH   DFND   0 0 429
Lockheed Martin Corp COM 539830109 80 187 SH   SOLE   187 0 0
Loews Corp COM 126117100 27 600 SH   DFND   0 0 600
Lululemon Athletica Inc COM 550021109 38 140 SH   DFND   0 0 140
M&T Bank Corp COM 55261F104 80 500 SH   DFND   0 0 500
MARSH & MCLENNAN COM 571748102 96 618 SH   SOLE   618 0 0
MASTERCARD INC CL A 57636Q104 158 501 SH   DFND   445 0 56
MASTERCARD INC CL A 57636Q104 6,129 19,426 SH   SOLE   18,945 0 481
MATTEL INC COM 577081102 2 100 SH   DFND   0 0 100
MCCORMICK & CO INC COM NON VTG 579780206 101 1,210 SH   SOLE   1,210 0 0
MCDONALD'S CORP COM 580135101 1,651 6,687 SH   DFND   1,227 0 5,460
MCDONALD'S CORP COM 580135101 8,607 34,862 SH   SOLE   34,303 0 559
MDC Holdings Inc COM 552676108 21 660 SH   DFND   0 0 660
MDU RES GROUP INC COM 552690109 54 2,000 SH   DFND   2,000 0 0
MICROSOFT CORP COM 594918104 6,829 26,588 SH   DFND   2,991 0 23,597
MICROSOFT CORP COM 594918104 24,905 96,971 SH   SOLE   92,686 0 4,285
MOLSON COORS BREWING CO CL B 60871R209 3 50 SH   SOLE   50 0 0
MSC Industrial Direct Co Inc CL A 553530106 120 1,600 SH   DFND   0 0 1,600
Macerich Co/The COM 554382101 61 7,045 SH   DFND   0 0 7,045
Madison Square Garden Co/The CL A 55825T103 64 426 SH   DFND   0 0 426
Mandiant Inc COM 562662106 44 2,000 SH   DFND   2,000 0 0
Marathon Oil Corp COM 565849106 44 1,974 SH   DFND   1,624 0 350
Marathon Petroleum Corp COM 56585A102 134 1,624 SH   DFND   1,624 0 0
Marathon Petroleum Corp COM 56585A102 4 51 SH   SOLE   51 0 0
Markel Corp COM 570535104 278 215 SH   SOLE   215 0 0
Marriott International Inc/MD CL A 571903202 670 4,925 SH   SOLE   4,925 0 0
Marriott Vacations Worldwide C COM 57164Y107 10 87 SH   SOLE   87 0 0
Masco Corp COM 574599106 177 3,500 SH   DFND   0 0 3,500
McKesson Corp COM 58155Q103 83 254 SH   SOLE   29 0 225
Medtronic PLC SHS G5960L103 12 131 SH   DFND   0 0 131
Medtronic PLC SHS G5960L103 99 1,105 SH   SOLE   1,105 0 0
Merck & Co Inc COM 58933Y105 422 4,631 SH   DFND   895 0 3,736
Merck & Co Inc COM 58933Y105 7,603 83,395 SH   SOLE   81,774 0 1,621
MetLife Inc COM 59156R108 94 1,500 SH   DFND   0 0 1,500
MetLife Inc COM 59156R108 119 1,900 SH   SOLE   750 0 1,150
Micro Focus International PLC SPON ADR NEW 594837403 0 65 SH   DFND   0 0 65
Microchip Technology Inc COM 595017104 191 3,280 SH   DFND   2,780 0 500
Microchip Technology Inc COM 595017104 258 4,448 SH   SOLE   4,448 0 0
Moderna Inc COM 60770K107 1 10 SH   DFND   0 0 10
Monroe Capital Corp COM 610335101 79 8,712 SH   DFND   0 0 8,712
NBT Bancorp Inc COM 628778102 1,569 41,727 SH   DFND   3,831 0 37,896
NBT Bancorp Inc COM 628778102 340 9,036 SH   SOLE   9,036 0 0
NETFLIX INC COM 64110L106 18 105 SH   SOLE   105 0 0
NEWMONT MINING CP COM 651639106 97 1,630 SH   DFND   0 0 1,630
NEXTERA ENERGY COM 65339F101 202 2,606 SH   DFND   0 0 2,606
NEXTERA ENERGY COM 65339F101 310 4,000 SH   SOLE   4,000 0 0
NGL Energy Partners LP COM UNIT REPST 62913M107 2 1,300 SH   DFND   0 0 1,300
NIKE INC CL B 654106103 318 3,116 SH   DFND   880 0 2,236
NIKE INC CL B 654106103 405 3,964 SH   SOLE   2,664 0 1,300
NVIDIA Corp COM 67066G104 61 400 SH   DFND   400 0 0
NVIDIA Corp COM 67066G104 4,067 26,832 SH   SOLE   23,908 0 2,924
National Amusements Inc CLASS A COM 92556H107 1 25 SH   DFND   0 0 25
National Amusements Inc CLASS B COM 92556H206 1 26 SH   DFND   0 0 26
NewAge Inc COM 650194103 0 1,000 SH   DFND   0 0 1,000
Newtek Business Services Corp COM NEW 652526203 6 300 SH   DFND   0 0 300
Nokia Oyj SPONSORED ADR 654902204 1 200 SH   SOLE   200 0 0
Norwood Financial Corp COM 669549107 121 5,000 SH   SOLE   5,000 0 0
Novartis AG SPONSORED ADR 66987V109 107 1,260 SH   DFND   1,260 0 0
Novartis AG SPONSORED ADR 66987V109 121 1,434 SH   SOLE   1,434 0 0
Novocure Ltd ORD SHS G6674U108 7 100 SH   DFND   0 0 100
Nucor Corp COM 670346105 5 50 SH   DFND   0 0 50
Nuveen Closed-End Funds/USA COM 67066X107 123 10,505 SH   SOLE   10,505 0 0
Nuveen Closed-End Funds/USA COM 67069Y102 13 1,063 SH   DFND   0 0 1,063
Nuveen Closed-End Funds/USA COM 67072C105 15 2,000 SH   DFND   0 0 2,000
Nuveen Fund Advisors Inc COM 670656107 6 500 SH   DFND   0 0 500
OCCIDENTAL PETROLEUM CORP *W EXP 08/03/202 674599162 9 234 SH   DFND   0 0 234
OGE Energy Corp COM 670837103 8 200 SH   DFND   100 0 100
ORACLE CORP COM 68389X105 130 1,867 SH   DFND   265 0 1,602
ORACLE CORP COM 68389X105 409 5,857 SH   SOLE   3,102 0 2,755
Occidental Petroleum Corp COM 674599105 110 1,876 SH   DFND   0 0 1,876
Omnicom Group Inc COM 681919106 138 2,169 SH   DFND   0 0 2,169
Omnicom Group Inc COM 681919106 4 58 SH   SOLE   58 0 0
Opendoor Technologies Inc COM 683712103 2 400 SH   DFND   0 0 400
Orchid Island Capital Inc COM 68571X103 4 1,290 SH   DFND   0 0 1,290
Organon & Co COMMON STOCK 68622V106 12 359 SH   DFND   0 0 359
Otis Worldwide Corp COM 68902V107 29 417 SH   DFND   37 0 380
Otis Worldwide Corp COM 68902V107 2 35 SH   SOLE   35 0 0
Ovintiv Inc COM 69047Q102 13 294 SH   DFND   0 0 294
Owl Rock Capital Corp COM 69121K104 12 965 SH   DFND   0 0 965
Oxford Lane Closed End Funds/U COM 691543102 91 16,000 SH   DFND   0 0 16,000
PEPSICO INC COM 713448108 951 5,706 SH   DFND   2,612 0 3,094
PEPSICO INC COM 713448108 8,036 48,218 SH   SOLE   46,751 0 1,467
PG&E CORP COM 69331C108 3 300 SH   DFND   0 0 300
PHILIP MORRIS INTL COM 718172109 481 4,873 SH   DFND   0 0 4,873
PHILIP MORRIS INTL COM 718172109 231 2,335 SH   SOLE   2,335 0 0
PIMCO Funds/Closed-End/USA COM BEN SHS 69355M107 14 1,025 SH   DFND   0 0 1,025
PIMCO Funds/Closed-End/USA SHS 72201Y101 19 930 SH   DFND   0 0 930
PNC Financial Services Group I COM 693475105 482 3,053 SH   DFND   0 0 3,053
PPG Industries Inc COM 693506107 183 1,602 SH   DFND   0 0 1,602
PPG Industries Inc COM 693506107 17 152 SH   SOLE   0 0 152
PPL Corp COM 69351T106 163 6,000 SH   DFND   0 0 6,000
PPL Corp COM 69351T106 33 1,227 SH   SOLE   1,227 0 0
Pacific Investment Management Co LLC COM 72201B101 11 850 SH   DFND   0 0 850
Palantir Technologies Inc CL A 69608A108 5 500 SH   DFND   0 0 500
Parametric Portfolio Associates LLC COM 27828Y108 4 300 SH   SOLE   300 0 0
PayPal Holdings Inc COM 70450Y103 42 603 SH   DFND   550 0 53
PayPal Holdings Inc COM 70450Y103 3,135 44,882 SH   SOLE   42,160 0 2,722
Paychex Inc COM 704326107 224 1,969 SH   DFND   528 0 1,441
Paychex Inc COM 704326107 407 3,578 SH   SOLE   3,578 0 0
Penn National Gaming Inc COM 707569109 3 100 SH   SOLE   100 0 0
PennantPark Investment Corp COM 708062104 6 1,000 SH   DFND   0 0 1,000
Pfizer Inc COM 717081103 1,402 26,745 SH   DFND   2,700 0 24,045
Pfizer Inc COM 717081103 560 10,677 SH   SOLE   10,677 0 0
Phillips 66 COM 718546104 127 1,544 SH   DFND   0 0 1,544
Pinnacle West Capital Corp COM 723484101 146 2,000 SH   DFND   0 0 2,000
Pinterest Inc CL A 72352L106 2 100 SH   DFND   0 0 100
Pitney Bowes Inc COM 724479100 0 80 SH   DFND   0 0 80
Plug Power Inc COM NEW 72919P202 2 120 SH   DFND   0 0 120
Portland General Electric Co COM NEW 736508847 29 600 SH   DFND   600 0 0
Principal Financial Group Inc COM 74251V102 139 2,080 SH   DFND   0 0 2,080
ProShare Advisors LLC S&P 500 DV ARIST 74348A467 2 20 SH   DFND   0 0 20
Procter & Gamble Co/The COM 742718109 5,458 37,958 SH   DFND   455 0 37,503
Procter & Gamble Co/The COM 742718109 1,832 12,738 SH   SOLE   11,713 0 1,025
Public Service Enterprise Grou COM 744573106 80 1,259 SH   DFND   511 0 748
Public Service Enterprise Grou COM 744573106 6,621 104,638 SH   SOLE   103,037 0 1,601
Public Storage COM 74460D109 169 539 SH   DFND   112 0 427
Public Storage COM 74460D109 5,559 17,779 SH   SOLE   17,383 0 396
QUALCOMM INC COM 747525103 255 2,000 SH   DFND   0 0 2,000
Quest Diagnostics Inc COM 74834L100 64 480 SH   DFND   0 0 480
REALTY INCOME CORP COM 756109104 148 2,169 SH   DFND   0 0 2,169
RESTAURANT BRANDS INTERNATIONA COM 76131D103 50 1,000 SH   DFND   0 0 1,000
RMR Group Inc/The CL A 74967R106 1 49 SH   DFND   0 0 49
ROCKWELL AUTOMATION COM 773903109 103 516 SH   DFND   200 0 316
Raytheon Technologies Corp COM 75513E101 463 4,814 SH   DFND   75 0 4,739
Raytheon Technologies Corp COM 75513E101 99 1,035 SH   SOLE   102 0 933
Republic Services Inc COM 760759100 19 147 SH   DFND   0 0 147
Rio Tinto PLC SPONSORED ADR 767204100 146 2,400 SH   DFND   0 0 2,400
Rivian Automotive Inc COM CL A 76954A103 1 25 SH   SOLE   25 0 0
Royal Bank of Canada COM 780087102 232 2,400 SH   DFND   0 0 2,400
SALESFORCE.COM INC COM 79466L302 94 571 SH   DFND   21 0 550
SALESFORCE.COM INC COM 79466L302 187 1,135 SH   SOLE   1,135 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 7 1,200 SH   DFND   0 0 1,200
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209 28 215 SH   SOLE   215 0 0
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308 2 21 SH   DFND   0 0 21
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308 108 1,500 SH   SOLE   1,500 0 0
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407 42 307 SH   SOLE   307 0 0
SELECT SECTOR SPDR ENERGY 81369Y506 129 1,800 SH   DFND   1,800 0 0
SELECT SECTOR SPDR FINANCIAL 81369Y605 55 1,750 SH   DFND   0 0 1,750
SELECT SECTOR SPDR FINANCIAL 81369Y605 41 1,301 SH   SOLE   1,301 0 0
SELECT SECTOR SPDR TECHNOLOGY 81369Y803 1,051 8,266 SH   DFND   5,260 0 3,006
SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 456 6,500 SH   DFND   6,500 0 0
SEMPRA ENERGY COM 816851109 170 1,133 SH   DFND   0 0 1,133
SMUCKER(JM)CO COM NEW 832696405 30 235 SH   DFND   0 0 235
SNAP INC CL A 83304A106 1 50 SH   DFND   0 0 50
SPDR DOW JONES IND UT SER 1 78467X109 826 2,685 SH   DFND   0 0 2,685
SPDR SERIES TRUST BLOOMBERG CONV 78464A359 84 1,308 SH   SOLE   1,308 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698 105 1,800 SH   SOLE   1,800 0 0
SSGA FUNDS MANAGEMENT PORTFOLIO SHORT 78464A474 0 7 SH   DFND   0 0 7
SSGA FUNDS MANAGEMENT INC NYSE TECH ETF 78464A102 31 300 SH   DFND   300 0 0
SSGA FUNDS MANAGEMENT INC PRTFLO S&P500 VL 78464A508 1 35 SH   DFND   0 0 35
SSGA FUNDS MANAGEMENT INC BLOOMBERG SHT TE 78468R408 49 2,051 SH   SOLE   2,051 0 0
SSGA FUNDS MANAGEMENT INC PORTFLI HIGH YLD 78468R606 50 2,212 SH   SOLE   2,212 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 71 600 SH   DFND   600 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 202 1,702 SH   SOLE   1,702 0 0
SSgA Funds Management Inc S&P 400 MDCP VAL 78464A839 1 14 SH   DFND   0 0 14
STARBUCKS CORP COM 855244109 18 233 SH   DFND   161 0 72
STARBUCKS CORP COM 855244109 2,467 32,292 SH   SOLE   31,532 0 760
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107 787 1,904 SH   DFND   0 0 1,904
SUNPOWER CORP COM 867652406 1 50 SH   DFND   0 0 50
Sarepta Therapeutics Inc COM 803607100 12 162 SH   SOLE   162 0 0
Schlumberger NV COM STK 806857108 186 5,200 SH   DFND   600 0 4,600
Selective Insurance Group Inc COM 816300107 125 1,438 SH   SOLE   1,438 0 0
Shake Shack Inc CL A 819047101 2 50 SH   DFND   0 0 50
Shell PLC None 780259305 169 3,230 SH   DFND   0 0 3,230
Sherwin-Williams Co/The COM 824348106 2 9 SH   SOLE   9 0 0
Skyworks Solutions Inc COM 83088M102 9 100 SH   DFND   100 0 0
Snap-on Inc COM 833034101 138 700 SH   DFND   0 0 700
Sony Group Corp SPONSORED ADR 835699307 4 50 SH   DFND   0 0 50
Southern Co/The COM 842587107 40 555 SH   DFND   0 0 555
Southern Co/The COM 842587107 135 1,900 SH   SOLE   1,900 0 0
Sprott Asset Management CEFs TR UNIT 85207K107 490 71,000 SH   DFND   71,000 0 0
Sprott Asset Management CEFs TR UNIT 85207K107 147 21,339 SH   SOLE   21,339 0 0
Sprott Asset Management CEFs TR UNIT 85208R101 695 41,300 SH   DFND   41,300 0 0
Sprott Asset Management LP/Can UNIT 85207H104 757 53,400 SH   DFND   53,400 0 0
Sprott Asset Management LP/Can UNIT 85207H104 313 22,058 SH   SOLE   22,058 0 0
Stanley Black & Decker Inc COM 854502101 299 2,852 SH   SOLE   2,852 0 0
State Street Corp COM 857477103 20 330 SH   DFND   330 0 0
State Street ETF/USA TR UNIT 78462F103 1,612 4,273 SH   DFND   511 0 3,762
State Street ETF/USA TR UNIT 78462F103 691 1,832 SH   SOLE   1,832 0 0
State Street ETF/USA S&P INTL SMLCP 78463X871 52 1,800 SH   DFND   1,800 0 0
State Street ETF/USA ICE PFD SEC ETF 78464A292 10 291 SH   SOLE   291 0 0
State Street ETF/USA S&P RETAIL ETF 78464A714 52 900 SH   DFND   900 0 0
State Street ETF/USA S&P SEMICNDCTR 78464A862 15 100 SH   DFND   100 0 0
State Street ETF/USA S&P BIOTECH 78464A870 45 600 SH   DFND   600 0 0
State Street ETF/USA BLOOMBERG INVT 78468R200 9 305 SH   DFND   0 0 305
State Street ETF/USA BLOOMBERG HIGH Y 78468R622 37 413 SH   SOLE   413 0 0
State Street ETF/USA BLOOMBERG 1-3 MO 78468R663 14 158 SH   DFND   158 0 0
State Street ETF/USA PRTFLO S&P500 HI 78468R788 108 2,700 SH   SOLE   2,700 0 0
State Street ETF/USA SBI INT-INDS 81369Y704 34 392 SH   SOLE   392 0 0
State Street ETF/USA RL EST SEL SEC 81369Y860 1 20 SH   DFND   0 0 20
Stryker Corp COM 863667101 174 875 SH   DFND   767 0 108
Stryker Corp COM 863667101 2,904 14,600 SH   SOLE   13,762 0 838
Summit Materials Inc CL A 86614U100 23 1,000 SH   DFND   1,000 0 0
Sunrun Inc COM 86771W105 2 100 SH   SOLE   100 0 0
Sylvamo Corp COMMON STOCK 871332102 0 4 SH   DFND   0 0 4
Sylvamo Corp COMMON STOCK 871332102 0 14 SH   SOLE   14 0 0
Sysco Corp COM 871829107 737 8,700 SH   DFND   0 0 8,700
TE Connectivity Ltd SHS H84989104 19 170 SH   DFND   0 0 170
TE Connectivity Ltd SHS H84989104 98 865 SH   SOLE   865 0 0
TEKLA HEALTHCARE SH BEN INT 87911J103 9 465 SH   DFND   0 0 465
TEKLA WORLD HEALTH BEN INT SHS 87911L108 9 640 SH   DFND   0 0 640
TEXAS INSTRUMENTS COM 882508104 373 2,427 SH   DFND   0 0 2,427
TEXAS INSTRUMENTS COM 882508104 265 1,724 SH   SOLE   1,724 0 0
TJX Cos Inc/The COM 872540109 105 1,882 SH   DFND   880 0 1,002
TJX Cos Inc/The COM 872540109 5,114 91,564 SH   SOLE   86,811 0 4,753
TORONTO-DOMINION COM NEW 891160509 79 1,200 SH   DFND   0 0 1,200
TRAVELERS CO INC COM 89417E109 51 300 SH   DFND   0 0 300
TRAVELERS CO INC COM 89417E109 111 655 SH   SOLE   655 0 0
TSMC SPONSORED ADS 874039100 104 1,275 SH   DFND   1,175 0 100
Tanger Factory Outlet Centers COM 875465106 10 700 SH   DFND   0 0 700
Tanger Factory Outlet Centers COM 875465106 11 800 SH   SOLE   800 0 0
Target Corp COM 87612E106 275 1,949 SH   DFND   0 0 1,949
Target Corp COM 87612E106 256 1,815 SH   SOLE   1,815 0 0
Tesla Inc COM 88160R101 257 382 SH   DFND   0 0 382
Tesla Inc COM 88160R101 67 100 SH   SOLE   100 0 0
Thermo Fisher Scientific Inc COM 883556102 599 1,103 SH   DFND   603 0 500
Thermo Fisher Scientific Inc COM 883556102 1,589 2,925 SH   SOLE   2,925 0 0
Tompkins Financial Corp COM 890110109 49,425 685,511 SH   DFND   0 0 685,511
Tompkins Financial Corp COM 890110109 36,229 502,482 SH   SOLE   0 0 502,482
TopBuild Corp COM 89055F103 65 388 SH   DFND   0 0 388
TriplePoint Venture Growth BDC COM 89677Y100 18 1,450 SH   DFND   0 0 1,450
Truist Financial Corp COM 89832Q109 143 3,005 SH   DFND   0 0 3,005
TrustCo Bank Corp NY COM NEW 898349204 1 47 SH   DFND   0 0 47
Twitter Inc COM 90184L102 13 343 SH   DFND   0 0 343
Tyson Foods Inc CL A 902494103 146 1,702 SH   DFND   0 0 1,702
Tyson Foods Inc CL A 902494103 60 696 SH   SOLE   696 0 0
UGI Corp COM 902681105 97 2,524 SH   SOLE   2,524 0 0
USA Compression Partners LP COMUNIT LTDPAR 90290N109 19 1,115 SH   DFND   0 0 1,115
UTD PARCEL SERV CL B 911312106 90 494 SH   DFND   434 0 60
UTD PARCEL SERV CL B 911312106 7,347 40,249 SH   SOLE   39,293 0 956
Unilever PLC SPON ADR NEW 904767704 5 100 SH   SOLE   100 0 0
Union Pacific Corp COM 907818108 151 708 SH   DFND   0 0 708
Union Pacific Corp COM 907818108 201 944 SH   SOLE   544 0 400
United States Steel Corp COM 912909108 4 200 SH   SOLE   200 0 0
UnitedHealth Group Inc COM 91324P102 514 1,000 SH   DFND   0 0 1,000
UnitedHealth Group Inc COM 91324P102 136 265 SH   SOLE   265 0 0
VANECK VECTORS ETF AGRIBUSINESS ETF 92189F700 104 1,200 SH   DFND   1,200 0 0
VANECK VECTORS ETF JUNIOR GOLD MINE 92189F791 48 1,500 SH   DFND   1,500 0 0
VANGUARD S&P 500 ETF SHS 922908363 755 2,177 SH   DFND   1,691 0 486
VANGUARD S&P 500 ETF SHS 922908363 3,015 8,691 SH   SOLE   8,480 0 211
VANGUARD ETF/USA DIV APP ETF 921908844 86 600 SH   DFND   600 0 0
VANGUARD ETF/USA DIV APP ETF 921908844 29 200 SH   SOLE   200 0 0
VANGUARD ETF/USA VG TL INTL STK F 921909768 5 95 SH   DFND   0 0 95
VANGUARD ETF/USA LONG TERM BOND 921937793 3 39 SH   SOLE   39 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805 2,735 54,575 SH   DFND   54,575 0 0
VANGUARD ETF/USA STRM INFPROIDX 922020805 62 1,233 SH   SOLE   1,233 0 0
VANGUARD ETF/USA GLB EX US ETF 922042676 27 600 SH   DFND   600 0 0
VANGUARD ETF/USA SM CP VAL ETF 922908611 14 92 SH   SOLE   92 0 0
VANGUARD GROUP SHORT TRM BOND 921937827 6 78 SH   DFND   78 0 0
VANGUARD GROUP SHORT TRM BOND 921937827 7 93 SH   SOLE   93 0 0
VANGUARD GROUP INC/THE TOTAL INT BD ETF 92203J407 8 154 SH   SOLE   154 0 0
VANGUARD INTL EQUI FTSE EUROPE ETF 922042874 227 4,302 SH   SOLE   1,354 0 2,948
VERIZON COMMUN COM 92343V104 958 18,872 SH   DFND   2,949 0 15,923
VERIZON COMMUN COM 92343V104 8,461 166,728 SH   SOLE   164,307 0 2,421
VF Corp COM 918204108 2 43 SH   SOLE   43 0 0
VIATRIS INC COM 92556V106 27 2,543 SH   DFND   111 0 2,432
VIATRIS INC COM 92556V106 1 117 SH   SOLE   117 0 0
VISA INC COM CL A 92826C839 7 35 SH   DFND   0 0 35
VISA INC COM CL A 92826C839 333 1,690 SH   SOLE   1,690 0 0
VMware Inc CL A COM 928563402 28 250 SH   DFND   250 0 0
VMware Inc CL A COM 928563402 2 18 SH   SOLE   18 0 0
Valero Energy Corp COM 91913Y100 2 15 SH   SOLE   15 0 0
Valvoline Inc COM 92047W101 272 9,444 SH   DFND   9,444 0 0
VanEck Vectors ETFs/USA GOLD MINERS ETF 92189F106 131 4,800 SH   DFND   4,800 0 0
VanEck Vectors ETFs/USA FALLEN ANGEL HG 92189F437 42 1,555 SH   DFND   0 0 1,555
VanEck Vectors ETFs/USA FALLEN ANGEL HG 92189F437 82 3,045 SH   SOLE   3,045 0 0
VanEck Vectors ETFs/USA RARE EARTH/STRTG 92189H805 87 1,000 SH   DFND   1,000 0 0
VanEck Vectors ETFs/USA DIGI TRANSFRM 92189H821 2 400 SH   DFND   400 0 0
Vanguard ETF/USA 500 GRTH IDX F 921932505 1,310 6,021 SH   SOLE   6,021 0 0
Vanguard ETF/USA INTERMED TERM 921937819 4 47 SH   SOLE   47 0 0
Vanguard ETF/USA TOTAL BND MRKT 921937835 198 2,632 SH   DFND   1,866 0 766
Vanguard ETF/USA TOTAL BND MRKT 921937835 5,794 76,987 SH   SOLE   74,382 0 2,605
Vanguard ETF/USA FTSE DEV MKT ETF 921943858 28 689 SH   DFND   689 0 0
Vanguard ETF/USA FTSE DEV MKT ETF 921943858 11,365 278,546 SH   SOLE   277,509 0 1,037
Vanguard ETF/USA FTSE EMR MKT ETF 922042858 16 376 SH   SOLE   376 0 0
Vanguard ETF/USA ENERGY ETF 92204A306 149 1,500 SH   DFND   1,500 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504 71 300 SH   DFND   300 0 0
Vanguard ETF/USA HEALTH CAR ETF 92204A504 129 547 SH   SOLE   547 0 0
Vanguard ETF/USA INF TECH ETF 92204A702 98 300 SH   DFND   300 0 0
Vanguard ETF/USA UTILITIES ETF 92204A876 99 650 SH   DFND   650 0 0
Vanguard ETF/USA MTG-BKD SECS ETF 92206C771 4 76 SH   SOLE   76 0 0
Vanguard ETF/USA REAL ESTATE ETF 922908553 66 725 SH   DFND   300 0 425
Vanguard ETF/USA REAL ESTATE ETF 922908553 798 8,756 SH   SOLE   7,736 0 1,020
Vanguard ETF/USA SML CP GRW ETF 922908595 31 155 SH   SOLE   155 0 0
Vanguard ETF/USA MID CAP ETF 922908629 63 320 SH   DFND   150 0 170
Vanguard ETF/USA MID CAP ETF 922908629 549 2,785 SH   SOLE   2,785 0 0
Vanguard ETF/USA GROWTH ETF 922908736 37 164 SH   SOLE   164 0 0
Vanguard ETF/USA VALUE ETF 922908744 26 199 SH   SOLE   199 0 0
Vanguard ETF/USA SMALL CP ETF 922908751 80 457 SH   DFND   329 0 128
Vanguard ETF/USA SMALL CP ETF 922908751 1,492 8,472 SH   SOLE   8,428 0 44
Vanguard ETF/USA TOTAL STK MKT 922908769 845 4,479 SH   DFND   325 0 4,154
Vanguard ETF/USA TOTAL STK MKT 922908769 38 200 SH   SOLE   200 0 0
Victoria's Secret & Co COMMON STOCK 926400102 3 100 SH   DFND   0 0 100
Vodafone Group PLC SPONSORED ADR 92857W308 64 4,100 SH   DFND   0 0 4,100
Vodafone Group PLC SPONSORED ADR 92857W308 23 1,500 SH   SOLE   1,500 0 0
Vontier Corp COM 928881101 6 270 SH   SOLE   270 0 0
WASTE MANAGEMENT COM 94106L109 298 1,951 SH   DFND   435 0 1,516
WASTE MANAGEMENT COM 94106L109 8,083 52,840 SH   SOLE   52,180 0 660
WEC Energy Group Inc COM 92939U106 50 500 SH   DFND   0 0 500
WEC Energy Group Inc COM 92939U106 190 1,886 SH   SOLE   1,886 0 0
WELLS FARGO & CO COM 949746101 53 1,350 SH   DFND   0 0 1,350
WELLS FARGO & CO COM 949746101 97 2,470 SH   SOLE   2,470 0 0
WESTN DIGITAL CORP COM 958102105 13 300 SH   DFND   0 0 300
WP Carey Inc COM 92936U109 34 406 SH   SOLE   406 0 0
WW Grainger Inc COM 384802104 246 541 SH   SOLE   541 0 0
Walgreens Boots Alliance Inc COM 931427108 25 647 SH   DFND   577 0 70
Walgreens Boots Alliance Inc COM 931427108 11 300 SH   SOLE   300 0 0
Walmart Inc COM 931142103 979 8,055 SH   DFND   624 0 7,431
Walmart Inc COM 931142103 8,227 67,666 SH   SOLE   66,363 0 1,303
Walt Disney Co/The COM 254687106 468 4,955 SH   DFND   960 0 3,995
Walt Disney Co/The COM 254687106 302 3,203 SH   SOLE   1,453 0 1,750
Webster Financial Corp COM 947890109 1,061 25,162 SH   DFND   0 0 25,162
Westinghouse Air Brake Technol COM 929740108 9 110 SH   DFND   0 0 110
Westinghouse Air Brake Technol COM 929740108 5 66 SH   SOLE   66 0 0
Westrock Co COM 96145D105 31 780 SH   DFND   0 0 780
Wheaton Precious Metals Corp COM 962879102 9 247 SH   DFND   0 0 247
Whirlpool Corp COM 963320106 59 383 SH   DFND   0 0 383
Willis Towers Watson PLC SHS G96629103 2 9 SH   SOLE   9 0 0
WisdomTree Asset Management Inc US QTLY DIV GRT 97717X669 43 750 SH   DFND   750 0 0
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701 51 780 SH   DFND   0 0 780
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701 135 2,054 SH   SOLE   2,054 0 0
WisdomTree ETFs/USA US TOTAL DIVIDND 97717W109 75 1,294 SH   SOLE   1,294 0 0
WisdomTree ETFs/USA EM EX ST-OWNED 97717X578 51 1,767 SH   DFND   592 0 1,175
WisdomTree ETFs/USA EM EX ST-OWNED 97717X578 22,317 778,146 SH   SOLE   767,426 0 10,720
Wolfspeed Inc COM 977852102 1 10 SH   DFND   0 0 10
XA Investments LLC COM 98400T106 7 1,000 SH   DFND   0 0 1,000
Xylem Inc/NY COM 98419M100 31 400 SH   DFND   0 0 400
YUM BRANDS INC COM 988498101 170 1,500 SH   DFND   0 0 1,500
Yum China Holdings Inc COM 98850P109 49 1,000 SH   DFND   0 0 1,000
ZIMMER HLDGS INC COM 98956P102 45 430 SH   DFND   0 0 430
ZIMMER HLDGS INC COM 98956P102 26 245 SH   SOLE   245 0 0
Zimmer Biomet Holdings Inc None 98888T107 1 43 SH   DFND   0 0 43
iShares ETFs/USA MSCI JAPN SMCETF 464286582 31 500 SH   DFND   500 0 0
iShares ETFs/USA MSCI PAC JP ETF 464286665 38 914 SH   SOLE   914 0 0
iShares ETFs/USA CORE US AGGBD ET 464287226 526 5,172 SH   DFND   0 0 5,172
iShares ETFs/USA CORE US AGGBD ET 464287226 3 31 SH   SOLE   31 0 0
iShares ETFs/USA NORTH AMERN NAT 464287374 173 4,800 SH   DFND   4,800 0 0
iShares ETFs/USA 20 YR TR BD ETF 464287432 4 33 SH   DFND   0 0 33
iShares ETFs/USA MSCI EAFE ETF 464287465 320 5,125 SH   DFND   4,525 0 600
iShares ETFs/USA MSCI EAFE ETF 464287465 349 5,580 SH   SOLE   5,580 0 0
iShares ETFs/USA RUS MD CP GR ETF 464287481 48 600 SH   DFND   600 0 0
iShares ETFs/USA RUS MID CAP ETF 464287499 350 5,410 SH   SOLE   5,410 0 0
iShares ETFs/USA CORE S&P MCP ETF 464287507 1,183 5,229 SH   DFND   3,690 0 1,539
iShares ETFs/USA CORE S&P MCP ETF 464287507 11,051 48,849 SH   SOLE   43,590 0 5,259
iShares ETFs/USA NA TEC MULTM ETF 464287531 18 300 SH   DFND   300 0 0
iShares ETFs/USA S&P MC 400GR ETF 464287606 132 2,065 SH   DFND   0 0 2,065
iShares ETFs/USA S&P MC 400GR ETF 464287606 55 864 SH   SOLE   864 0 0
iShares ETFs/USA RUS 1000 ETF 464287622 31 150 SH   DFND   150 0 0
iShares ETFs/USA RUS 2000 GRW ETF 464287648 667 3,234 SH   DFND   2,784 0 450
iShares ETFs/USA RUS 2000 GRW ETF 464287648 1,575 7,632 SH   SOLE   3,059 0 4,573
iShares ETFs/USA CORE S&P US VLU 464287663 53 789 SH   SOLE   789 0 0
iShares ETFs/USA RUSSELL 3000 ETF 464287689 33 150 SH   DFND   150 0 0
iShares ETFs/USA RUSSELL 3000 ETF 464287689 121 556 SH   SOLE   556 0 0
iShares ETFs/USA S&P MC 400VL ETF 464287705 8 88 SH   SOLE   88 0 0
iShares ETFs/USA CORE S&P SCP ETF 464287804 251 2,720 SH   DFND   1,800 0 920
iShares ETFs/USA CORE S&P SCP ETF 464287804 745 8,067 SH   SOLE   7,467 0 600
iShares ETFs/USA EAFE SML CP ETF 464288273 91 1,663 SH   DFND   1,650 0 13
iShares ETFs/USA EAFE SML CP ETF 464288273 14 261 SH   SOLE   261 0 0
iShares ETFs/USA MBS ETF 464288588 38 390 SH   SOLE   390 0 0
iShares ETFs/USA MRGSTR SM CP GR 464288604 69 1,944 SH   DFND   0 0 1,944
iShares ETFs/USA 3 7 YR TREAS BD 464288661 19 157 SH   DFND   0 0 157
iShares ETFs/USA PFD AND INCM SEC 464288687 67 2,035 SH   DFND   2,035 0 0
iShares ETFs/USA GLOB UTILITS ETF 464288711 18 300 SH   DFND   300 0 0
iShares ETFs/USA MSCI USA ESG SLC 464288802 10 125 SH   DFND   125 0 0
iShares ETFs/USA MSCI USA ESG SLC 464288802 5,846 72,448 SH   SOLE   72,315 0 133
iShares ETFs/USA INDIA 50 ETF 464289529 25 600 SH   DFND   600 0 0
iShares ETFs/USA MSCI USA MIN VOL 46429B697 59 843 SH   DFND   392 0 451
iShares ETFs/USA MSCI USA MIN VOL 46429B697 5,050 71,924 SH   SOLE   70,555 0 1,369
iShares ETFs/USA MSCI USA VALUE 46432F388 12 128 SH   SOLE   128 0 0
iShares ETFs/USA CORE MSCI EMKT 46434G103 288 5,861 SH   DFND   486 0 5,375
iShares ETFs/USA CORE MSCI EMKT 46434G103 2,294 46,758 SH   SOLE   45,795 0 963
iShares ETFs/USA MSCI SINGPOR ETF 46434G780 27 1,500 SH   DFND   1,500 0 0
iShares ETFs/USA MSCI JPN ETF NEW 46434G822 26 500 SH   DFND   500 0 0
iShares ETFs/USA ESG AWR MSCI EM 46434G863 5 155 SH   DFND   155 0 0
iShares ETFs/USA ESG AWR MSCI EM 46434G863 2,664 82,466 SH   SOLE   82,276 0 190
iShares ETFs/USA IBONDS DEC24 ETF 46434VBG4 2,475 99,990 SH   DFND   99,990 0 0
iShares ETFs/USA ROBOTICS ARTIF 46435U556 1 25 SH   DFND   0 0 25
iShares/USA MSCI SWITZERLAND 464286749 116 2,800 SH   DFND   2,800 0 0
iSun Inc COM 465246106 0 100 SH   DFND   0 0 100