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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
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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 Equities 88579Y101   142,844 1,359 SH   DFND   1,359 0 0
3M CO Equities 88579Y101   99,749 949 SH   SOLE   949 0 0
ABBOTT LABORATORIES Equities 002824100   91,134 900 SH   DFND   900 0 0
ABBOTT LABORATORIES Equities 002824100   3,954,406 39,052 SH   SOLE   39,052 0 0
ABBVIE INC COM Equities 00287Y109   143,433 900 SH   DFND   900 0 0
ABBVIE INC COM Equities 00287Y109   6,711,708 42,114 SH   SOLE   42,114 0 0
ACCENTURE PLC IRELAND CL A Equities G1151C101   24,865 87 SH   DFND   87 0 0
ACCENTURE PLC IRELAND CL A Equities G1151C101   179,489 628 SH   SOLE   628 0 0
ALLIANCE BERNSTEIN HOLDING LP U Equities 01881G106   255,920 7,000 SH   SOLE   7,000 0 0
ALPHABET INC CAP STK CL A Equities 02079K305   31,119 300 SH   DFND   300 0 0
ALPHABET INC CAP STK CL A Equities 02079K305   697,066 6,720 SH   SOLE   6,720 0 0
ALPHABET INC CAP STK CL C Equities 02079K107   56,160 540 SH   DFND   540 0 0
ALPHABET INC CAP STK CL C Equities 02079K107   812,136 7,809 SH   SOLE   7,809 0 0
AMAZON.COM INC Equities 023135106   20,658 200 SH   DFND   200 0 0
AMAZON.COM INC Equities 023135106   285,080 2,760 SH   SOLE   2,760 0 0
AMERICAN EXPRESS CO Equities 025816109   32,990 200 SH   DFND   200 0 0
AMERICAN EXPRESS CO Equities 025816109   207,507 1,258 SH   SOLE   1,258 0 0
AMGEN INC Equities 031162100   89,448 370 SH   DFND   370 0 0
AMGEN INC Equities 031162100   335,549 1,388 SH   SOLE   1,388 0 0
APPLE INC Equities 037833100   312,156 1,893 SH   DFND   1,893 0 0
APPLE INC Equities 037833100   7,736,613 46,917 SH   SOLE   46,917 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   341,292 1,533 SH   DFND   1,533 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   1,702,229 7,646 SH   SOLE   7,646 0 0
BECTON DICKINSON & CO Equities 075887109   160,901 650 SH   DFND   650 0 0
BECTON DICKINSON & CO Equities 075887109   587,165 2,372 SH   SOLE   2,372 0 0
BERKSHIRE HATHAWAY INC B Equities 084670702   426,720 1,382 SH   SOLE   1,382 0 0
BOEING CO Equities 097023105   491,563 2,314 SH   SOLE   2,314 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108   38,467 555 SH   DFND   555 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108   697,674 10,066 SH   SOLE   10,066 0 0
BROADCOM INC Equities 11135F101   22,454 35 SH   DFND   35 0 0
BROADCOM INC Equities 11135F101   185,405 289 SH   SOLE   289 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102   31,452 300 SH   DFND   300 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102   256,334 2,445 SH   SOLE   2,445 0 0
CANADIAN PACIFIC RAILWAY LTD Equities 13645T100   350,154 4,551 SH   SOLE   4,551 0 0
CARRIER GLOBAL CORP Equities 14448C104   30,881 675 SH   DFND   675 0 0
CARRIER GLOBAL CORP Equities 14448C104   215,986 4,721 SH   SOLE   4,721 0 0
CATERPILLAR INC Equities 149123101   34,326 150 SH   DFND   150 0 0
CATERPILLAR INC Equities 149123101   221,288 967 SH   SOLE   967 0 0
CHEVRON CORP Equities 166764100   61,022 374 SH   DFND   374 0 0
CHEVRON CORP Equities 166764100   3,922,856 24,043 SH   SOLE   24,043 0 0
CHUBB LIMITED Equities H1467J104   78,837 406 SH   DFND   406 0 0
CHUBB LIMITED Equities H1467J104   1,285,472 6,620 SH   SOLE   6,620 0 0
CISCO SYSTEMS INC Equities 17275R102   167,280 3,200 SH   DFND   3,200 0 0
CISCO SYSTEMS INC Equities 17275R102   458,190 8,765 SH   SOLE   8,765 0 0
COCA COLA CO Equities 191216100   55,827 900 SH   DFND   900 0 0
COCA COLA CO Equities 191216100   1,414,842 22,809 SH   SOLE   22,809 0 0
COMCAST CORP CLASS A Equities 20030N101   15,126 399 SH   DFND   399 0 0
COMCAST CORP CLASS A Equities 20030N101   200,506 5,289 SH   SOLE   5,289 0 0
COSTCO WHOLESALE CORP Equities 22160K105   166,451 335 SH   DFND   335 0 0
COSTCO WHOLESALE CORP Equities 22160K105   2,362,120 4,754 SH   SOLE   4,754 0 0
CSX CORP Equities 126408103   670,596 22,398 SH   SOLE   22,398 0 0
CVS HEALTH CORPORATION Equities 126650100   261,720 3,522 SH   SOLE   3,522 0 0
DEERE & COMPANY Equities 244199105   854,249 2,069 SH   SOLE   2,069 0 0
DELEK LOGISTICS PARTNERS LP Equities 24664T103   289,262 6,100 SH   SOLE   6,100 0 0
DISNEY WALT CO Equities 254687106   1,509,560 15,076 SH   SOLE   15,076 0 0
EXPEDITORS INTERNATIONAL Equities 302130109   398,084 3,615 SH   SOLE   3,615 0 0
EXXON MOBIL CORP Equities 30231G102   271,957 2,480 SH   DFND   2,480 0 0
EXXON MOBIL CORP Equities 30231G102   3,096,689 28,239 SH   SOLE   28,239 0 0
FEDEX CORP Equities 31428X106   28,561 125 SH   DFND   125 0 0
FEDEX CORP Equities 31428X106   310,746 1,360 SH   SOLE   1,360 0 0
GENERAL ELECTRIC CO Equities 369604301   16,826 176 SH   DFND   176 0 0
GENERAL ELECTRIC CO Equities 369604301   212,041 2,218 SH   SOLE   2,218 0 0
GENERAL MILLS INC Equities 370334104   145,282 1,700 SH   DFND   1,700 0 0
GENERAL MILLS INC Equities 370334104   152,802 1,788 SH   SOLE   1,788 0 0
HARLEY DAVIDSON INC Equities 412822108   531,580 14,000 SH   SOLE   14,000 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106   849,911 4,447 SH   SOLE   4,447 0 0
INTEL CORP Equities 458140100   62,922 1,926 SH   DFND   1,926 0 0
INTEL CORP Equities 458140100   478,191 14,637 SH   SOLE   14,637 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   113,131 863 SH   DFND   863 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101   414,375 3,161 SH   SOLE   3,161 0 0
INVESCO FTSE RAFI US 1000 ETF Equities 46137V613   302,701 1,931 SH   SOLE   1,931 0 0
INVESCO SENIOR LOAN ETF Fixed Income 46138G508   250,101 12,025 SH   SOLE   12,025 0 0
ISHARES CORE MSCI EMERGING MKTS Equities 46434G103   302,693 6,204 SH   SOLE   6,204 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834   94,638 1,528 SH   DFND   1,528 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834   2,555,922 41,256 SH   SOLE   41,256 0 0
ISHARES CORE S&P 500 (MKT) ETF Equities 464287200   2,611,859 6,354 SH   SOLE   6,354 0 0
ISHARES CORE S&P MID CAP ETF Equities 464287507   520,827 2,082 SH   SOLE   2,082 0 0
ISHARES CORE US AGGREGATE BOND Fixed Income 464287226   2,113,240 21,209 SH   SOLE   21,209 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465   78,314 1,095 SH   DFND   1,095 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465   1,087,676 15,208 SH   SOLE   15,208 0 0
ISHARES MSCI EMG MKT ETF Equities 464287234   554,334 14,048 SH   SOLE   14,048 0 0
ISHARES MSCI USA QUALITY FACTOR Equities 46432F339   401,963 3,240 SH   SOLE   3,240 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614   71,465 292 SH   DFND   292 0 0
ISHARES RUSSELL 1000 GROWTH Equities 464287614   249,576 1,021 SH   SOLE   1,021 0 0
ISHARES RUSSELL 2000 (MKT) Equities 464287655   2,376,110 13,319 SH   SOLE   13,319 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648   82,632 364 SH   DFND   364 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648   682,503 3,010 SH   SOLE   3,010 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630   73,649 538 SH   DFND   538 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630   369,639 2,697 SH   SOLE   2,697 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499   128,093 1,832 SH   DFND   1,832 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499   2,510,687 35,908 SH   SOLE   35,908 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705   23,868 232 SH   DFND   232 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705   687,031 6,685 SH   SOLE   6,685 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606   23,898 334 SH   DFND   334 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606   442,745 6,191 SH   SOLE   6,191 0 0
JOHNSON AND JOHNSON Equities 478160104   202,740 1,308 SH   DFND   1,308 0 0
JOHNSON AND JOHNSON Equities 478160104   2,872,305 18,531 SH   SOLE   18,531 0 0
JPMORGAN CHASE & CO COM Equities 46625H100   152,202 1,168 SH   DFND   1,168 0 0
JPMORGAN CHASE & CO COM Equities 46625H100   1,766,613 13,557 SH   SOLE   13,557 0 0
KIMBERLY-CLARK CORP Equities 494368103   89,122 664 SH   DFND   664 0 0
KIMBERLY-CLARK CORP Equities 494368103   155,158 1,156 SH   SOLE   1,156 0 0
KNOT OFFSHORE PARTNERS LP Equities Y48125101   73,968 13,800 SH   SOLE   13,800 0 0
LINDE PLC Equities G54950103   204,378 575 SH   DFND   575 0 0
LINDE PLC Equities G54950103   598,916 1,685 SH   SOLE   1,685 0 0
LOWES COMPANIES INC Equities 548661107   23,197 116 SH   DFND   116 0 0
LOWES COMPANIES INC Equities 548661107   288,557 1,443 SH   SOLE   1,443 0 0
MASTERCARD INC CLASS A Equities 57636Q104   380,490 1,047 SH   SOLE   1,047 0 0
MCCORMICK & CO INC Equities 579780206   249,630 3,000 SH   SOLE   3,000 0 0
MCDONALDS CORP Equities 580135101   209,708 750 SH   DFND   750 0 0
MCDONALDS CORP Equities 580135101   858,962 3,072 SH   SOLE   3,072 0 0
MCKESSON CORP Equities 58155Q103   391,299 1,099 SH   SOLE   1,099 0 0
MERCK & CO INC Equities 58933Y105   10,639 100 SH   DFND   100 0 0
MERCK & CO INC Equities 58933Y105   564,293 5,304 SH   SOLE   5,304 0 0
MICROSOFT CORP Equities 594918104   1,011,645 3,509 SH   DFND   3,509 0 0
MICROSOFT CORP Equities 594918104   8,574,907 29,743 SH   SOLE   29,743 0 0
MONDELEZ INTL INC CL A Equities 609207105   299,517 4,296 SH   SOLE   4,296 0 0
NEXTERA ENERGY INC Equities 65339F101   147,377 1,912 SH   DFND   1,912 0 0
NEXTERA ENERGY INC Equities 65339F101   1,140,553 14,797 SH   SOLE   14,797 0 0
NIKE INC CL B Equities 654106103   2,415,517 19,696 SH   SOLE   19,696 0 0
NORFOLK SOUTHERN CORP Equities 655844108   212,000 1,000 SH   SOLE   1,000 0 0
NOVARTIS AG ADR Equities 66987V109   107,732 1,171 SH   DFND   1,171 0 0
NOVARTIS AG ADR Equities 66987V109   449,144 4,882 SH   SOLE   4,882 0 0
NUVEEN CALIFORNIA QUALITY MUNI Fixed Income 67066Y105   1,731,477 157,264 SH   SOLE   157,264 0 0
ORACLE CORP Equities 68389X105   92,920 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   441,835 4,755 SH   SOLE   4,755 0 0
PEPSICO INC Equities 713448108   227,146 1,246 SH   DFND   1,246 0 0
PEPSICO INC Equities 713448108   1,111,119 6,095 SH   SOLE   6,095 0 0
PFIZER INC Equities 717081103   72,094 1,767 SH   DFND   1,767 0 0
PFIZER INC Equities 717081103   499,759 12,249 SH   SOLE   12,249 0 0
PHILIP MORRIS INTL INC Equities 718172109   9,336 96 SH   DFND   96 0 0
PHILIP MORRIS INTL INC Equities 718172109   303,323 3,119 SH   SOLE   3,119 0 0
PHILLIPS 66 Equities 718546104   46,635 460 SH   DFND   460 0 0
PHILLIPS 66 Equities 718546104   300,693 2,966 SH   SOLE   2,966 0 0
PIMCO CALIFORNIA MUNI INCOME FU Fixed Income 72200N106   377,395 37,440 SH   SOLE   37,440 0 0
PROCTER & GAMBLE CO Equities 742718109   183,632 1,235 SH   DFND   1,235 0 0
PROCTER & GAMBLE CO Equities 742718109   2,823,623 18,990 SH   SOLE   18,990 0 0
QUALCOMM INC Equities 747525103   25,516 200 SH   DFND   200 0 0
QUALCOMM INC Equities 747525103   600,774 4,709 SH   SOLE   4,709 0 0
RAYTHEON TECHS CORP Equities 75513E101   136,123 1,390 SH   DFND   1,390 0 0
RAYTHEON TECHS CORP Equities 75513E101   1,233,135 12,592 SH   SOLE   12,592 0 0
S&P GLOBAL INC Equities 78409V104   116,187 337 SH   DFND   337 0 0
S&P GLOBAL INC Equities 78409V104   401,657 1,165 SH   SOLE   1,165 0 0
SARATOGA INVESTMENT CORP NEW Equities 80349A208   278,080 11,000 SH   SOLE   11,000 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797   331,368 4,529 SH   DFND   4,529 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797   917,831 12,545 SH   SOLE   12,545 0 0
SCHWAB U S LARGE CAP ETF Equities 808524201   1,380,286 28,536 SH   SOLE   28,536 0 0
SCHWAB US SMALL CAP ETF Equities 808524607   580,479 13,844 SH   SOLE   13,844 0 0
SEMPRA ENERGY Equities 816851109   290,983 1,925 SH   SOLE   1,925 0 0
SPDR PORT INTERMEDIATE TERM COR Fixed Income 78464A375   684,364 21,063 SH   SOLE   21,063 0 0
SPDR S&P 500 (MKT) Equities 78462F103   163,756 400 SH   DFND   400 0 0
SPDR S&P 500 (MKT) Equities 78462F103   60,999 149 SH   SOLE   149 0 0
SPDR S&P MIDCAP 400 (MKT) Equities 78467Y107   2,060,553 4,495 SH   SOLE   4,495 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607   119,675 1,348 SH   DFND   1,348 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607   945,596 10,651 SH   SOLE   10,651 0 0
STARBUCKS CORP Equities 855244109   23,742 228 SH   DFND   228 0 0
STARBUCKS CORP Equities 855244109   405,274 3,892 SH   SOLE   3,892 0 0
SUN LIFE FINANCIAL INC Equities 866796105   312,563 6,693 SH   SOLE   6,693 0 0
SUNOCO LTD PARTNERSHIP Equities 86765K109   395,010 9,000 SH   SOLE   9,000 0 0
TARGET CORP Equities 87612E106   33,126 200 SH   DFND   200 0 0
TARGET CORP Equities 87612E106   647,116 3,907 SH   SOLE   3,907 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102   583,863 1,013 SH   SOLE   1,013 0 0
UNITED PARCEL SERVICE CL B Equities 911312106   33,172 171 SH   DFND   171 0 0
UNITED PARCEL SERVICE CL B Equities 911312106   497,002 2,562 SH   SOLE   2,562 0 0
US BANCORP Equities 902973304   567,391 15,739 SH   SOLE   15,739 0 0
VANGUARD DIVIDEND APPREC IDX ET Equities 921908844   264,435 1,717 SH   SOLE   1,717 0 0
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858   950,087 21,032 SH   SOLE   21,032 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858   31,956 791 SH   DFND   791 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858   724,474 17,933 SH   SOLE   17,933 0 0
VANGUARD GROWTH ETF (MKT) Equities 922908736   2,460,573 9,864 SH   SOLE   9,864 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406   530,783 5,031 SH   DFND   5,031 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406   1,496,548 14,185 SH   SOLE   14,185 0 0
VANGUARD LARGE CAP ETF Equities 922908637   1,168,683 6,256 SH   SOLE   6,256 0 0
VANGUARD REIT ETF (MKT) Equities 922908553   270,378 3,256 SH   SOLE   3,256 0 0
VANGUARD S&P 500 INDEX ETF Equities 922908363   220,992 588 SH   SOLE   588 0 0
VANGUARD SHORT-TERM BOND ETF Fixed Income 921937827   894,040 11,687 SH   SOLE   11,687 0 0
VANGUARD SHORT-TERM CORP BD IDX Fixed Income 92206C409   250,022 3,280 SH   SOLE   3,280 0 0
VANGUARD TOTAL INTL BD IDX ETF Fixed Income 92203J407   231,300 4,729 SH   SOLE   4,729 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769   1,566,263 7,674 SH   SOLE   7,674 0 0
VANGUARD VALUE ETF Equities 922908744   94,046 681 SH   DFND   681 0 0
VANGUARD VALUE ETF Equities 922908744   2,994,086 21,680 SH   SOLE   21,680 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104   59,541 1,531 SH   DFND   1,531 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104   474,380 12,198 SH   SOLE   12,198 0 0
VISA INC CL A Equities 92826C839   769,946 3,415 SH   SOLE   3,415 0 0
WALMART INC Equities 931142103   76,232 517 SH   DFND   517 0 0
WALMART INC Equities 931142103   157,329 1,067 SH   SOLE   1,067 0 0
WELLS FARGO & COMPANY Equities 949746101   138,306 3,700 SH   DFND   3,700 0 0
WELLS FARGO & COMPANY Equities 949746101   735,601 19,679 SH   SOLE   19,679 0 0
ZOETIS INC Equities 98978V103   36,450 219 SH   DFND   219 0 0
ZOETIS INC Equities 98978V103   344,198 2,068 SH   SOLE   2,068 0 0