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
MICROSOFT CORPORATION Equity 594918104 259 1,007 SH   DFND Capital Group (MD) 0 0 1,007
BROADCOM INCORPORATED Equity 11135F101 239 491 SH   DFND Capital Group (MD) 0 0 491
UNITEDHEALTH GROUP INCORPORATED Equity 91324P102 248 483 SH   DFND Capital Group (MD) 0 0 483
ANALOG DEVICES INCORPORATED Equity 032654105 601 4,112 SH   DFND CIM - Confluence Investment Mgmt. 0 0 4,112
BERKLEY W R CORPORATION Equity 084423102 1,289 18,880 SH   DFND CIM - Confluence Investment Mgmt. 0 0 18,880
BERKSHIRE HATHAWAY INCORPORATED DEL CLASS B NEW Equity 084670702 984 3,603 SH   DFND CIM - Confluence Investment Mgmt. 0 0 3,603
BROOKFIELD ASSET MGMT INC CLASS A LTD VT SH Foreign Equity 112585104 940 21,147 SH   DFND CIM - Confluence Investment Mgmt. 0 0 21,147
CHEVRON CORPORATION NEW Equity 166764100 708 4,889 SH   DFND CIM - Confluence Investment Mgmt. 0 0 4,889
COLGATE PALMOLIVE COMPANY Equity 194162103 718 8,958 SH   DFND CIM - Confluence Investment Mgmt. 0 0 8,958
DOW INCORPORATED Equity 260557103 666 12,905 SH   DFND CIM - Confluence Investment Mgmt. 0 0 12,905
FASTENAL COMPANY Equity 311900104 1,674 33,534 SH   DFND CIM - Confluence Investment Mgmt. 0 0 33,534
GILEAD SCIENCES INCORPORATED Equity 375558103 582 9,408 SH   DFND CIM - Confluence Investment Mgmt. 0 0 9,408
GRACO INCORPORATED Equity 384109104 240 4,047 SH   DFND CIM - Confluence Investment Mgmt. 0 0 4,047
HOME DEPOT INCORPORATED Equity 437076102 686 2,500 SH   DFND CIM - Confluence Investment Mgmt. 0 0 2,500
ILLINOIS TOOL WKS INCORPORATED Equity 452308109 803 4,404 SH   DFND CIM - Confluence Investment Mgmt. 0 0 4,404
ISHARES GOLD TR ISHARES NEW Equity 464285204 719 20,955 SH   DFND CIM - Confluence Investment Mgmt. 0 0 20,955
LESLIES INCORPORATED Equity 527064109 527 34,684 SH   DFND CIM - Confluence Investment Mgmt. 0 0 34,684
LOCKHEED MARTIN CORPORATION Equity 539830109 881 2,050 SH   DFND CIM - Confluence Investment Mgmt. 0 0 2,050
LOWES COMPANIES INCORPORATED Equity 548661107 927 5,310 SH   DFND CIM - Confluence Investment Mgmt. 0 0 5,310
MARKEL CORPORATION Equity 570535104 1,027 794 SH   DFND CIM - Confluence Investment Mgmt. 0 0 794
MICROSOFT CORPORATION Equity 594918104 768 2,990 SH   DFND CIM - Confluence Investment Mgmt. 0 0 2,990
NORTHERN TR CORPORATION Equity 665859104 665 6,892 SH   DFND CIM - Confluence Investment Mgmt. 0 0 6,892
PAYCHEX INCORPORATED Equity 704326107 906 7,959 SH   DFND CIM - Confluence Investment Mgmt. 0 0 7,959
PEPSICO INCORPORATED Equity 713448108 1,783 10,699 SH   DFND CIM - Confluence Investment Mgmt. 0 0 10,699
POLARIS INCORPORATED Equity 731068102 659 6,640 SH   DFND CIM - Confluence Investment Mgmt. 0 0 6,640
PROGRESSIVE CORPORATION Equity 743315103 985 8,470 SH   DFND CIM - Confluence Investment Mgmt. 0 0 8,470
SNAP ON INCORPORATED Equity 833034101 813 4,125 SH   DFND CIM - Confluence Investment Mgmt. 0 0 4,125
SOUTHERN COMPANY Equity 842587107 813 11,400 SH   DFND CIM - Confluence Investment Mgmt. 0 0 11,400
STARBUCKS CORPORATION Equity 855244109 714 9,347 SH   DFND CIM - Confluence Investment Mgmt. 0 0 9,347
STRYKER CORPORATION Equity 863667101 781 3,926 SH   DFND CIM - Confluence Investment Mgmt. 0 0 3,926
TJX COMPANIES INCORPORATED NEW Equity 872540109 756 13,533 SH   DFND CIM - Confluence Investment Mgmt. 0 0 13,533
THERMO FISHER SCIENTIFIC INCORPORATED Equity 883556102 1,022 1,882 SH   DFND CIM - Confluence Investment Mgmt. 0 0 1,882
US BANCORP DEL COM NEW Equity 902973304 643 13,963 SH   DFND CIM - Confluence Investment Mgmt. 0 0 13,963
RAYTHEON TECHNOLOGIES CORPORATION Equity 75513E101 981 10,208 SH   DFND CIM - Confluence Investment Mgmt. 0 0 10,208
ISHARES TR IBONDS DEC 29 Equity 46436E205 309 13,526 SH   DFND CIM - Confluence Investment Mgmt. 0 0 13,526
ALPHABET INCORPORATED CAP STK CLASS C Equity 02079K107 1,037 474 SH   DFND CIM - Confluence Investment Mgmt. 0 0 474
BOOKING HOLDINGS INCORPORATED Equity 09857L108 738 422 SH   DFND CIM - Confluence Investment Mgmt. 0 0 422
BROADRIDGE FINL SOLUTIONS INCORPORATED Equity 11133T103 757 5,312 SH   DFND CIM - Confluence Investment Mgmt. 0 0 5,312
BROOKFIELD INFRASTRUCTURE CORPORATION COM SB VTG SHS A Foreign Equity 11275Q107 819 19,276 SH   DFND CIM - Confluence Investment Mgmt. 0 0 19,276
CISCO SYSTEMS INCORPORATED Equity 17275R102 627 14,702 SH   DFND CIM - Confluence Investment Mgmt. 0 0 14,702
DIAGEO PLC SPON ADR NEW Foreign Equity 25243Q205 1,629 9,357 SH   DFND CIM - Confluence Investment Mgmt. 0 0 9,357
DUN & BRADSTREET HLDGS INCORPORATED Equity 26484T106 713 47,413 SH   DFND CIM - Confluence Investment Mgmt. 0 0 47,413
ENTERGY CORPORATION NEW Equity 29364G103 743 6,594 SH   DFND CIM - Confluence Investment Mgmt. 0 0 6,594
FIDELITY NATIONAL FINANCIAL IN FNF GROUP COM Equity 31620R303 652 17,633 SH   DFND CIM - Confluence Investment Mgmt. 0 0 17,633
FORTUNE BRANDS HOME & SEC INCORPORATED Equity 34964C106 579 9,673 SH   DFND CIM - Confluence Investment Mgmt. 0 0 9,673
INVESCO OPTIMUM YIELD DIVERSIFIED COMMODITY STRATEGY NO K-1 ETF Equity 46090F100 1,067 59,135 SH   DFND CIM - Confluence Investment Mgmt. 0 0 59,135
ISHARES TR IBONDS DEC24 ETF Equity 46434VBG4 316 12,760 SH   DFND CIM - Confluence Investment Mgmt. 0 0 12,760
ISHARES TR BB RAT CORP BD Equity 46435U473 718 16,225 SH   DFND CIM - Confluence Investment Mgmt. 0 0 16,225
ISHARES TR IBOND DEC 2030 Equity 46436E593 349 16,744 SH   DFND CIM - Confluence Investment Mgmt. 0 0 16,744
ISHARES TR IBONDS 26 TRM TS Equity 46436E858 526 22,297 SH   DFND CIM - Confluence Investment Mgmt. 0 0 22,297
KINDER MORGAN INCORPORATED DEL Equity 49456B101 564 33,667 SH   DFND CIM - Confluence Investment Mgmt. 0 0 33,667
MASTERCARD INCORPORATED CLASS A Equity 57636Q104 706 2,238 SH   DFND CIM - Confluence Investment Mgmt. 0 0 2,238
ORACLE CORPORATION Equity 68389X105 857 12,259 SH   DFND CIM - Confluence Investment Mgmt. 0 0 12,259
PRICE T ROWE GROUP INCORPORATED Equity 74144T108 505 4,445 SH   DFND CIM - Confluence Investment Mgmt. 0 0 4,445
S&P GLOBAL INCORPORATED Equity 78409V104 920 2,730 SH   DFND CIM - Confluence Investment Mgmt. 0 0 2,730
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF Equity 78463X889 1,340 46,466 SH   DFND CIM - Confluence Investment Mgmt. 0 0 46,466
SPDR S&P 600 SMALL CAP GROWTH ETF Equity 78464A201 585 8,298 SH   DFND CIM - Confluence Investment Mgmt. 0 0 8,298
SPDR S&P 600 SMALL CAP VALUE ETF Equity 78464A300 1,165 16,091 SH   DFND CIM - Confluence Investment Mgmt. 0 0 16,091
SPDR PORTFOLIO S&P 500 GROWTH ETF Equity 78464A409 533 10,188 SH   DFND CIM - Confluence Investment Mgmt. 0 0 10,188
SPDR PORTFOLIO S&P 500 VALUE ETF Equity 78464A508 1,028 27,928 SH   DFND CIM - Confluence Investment Mgmt. 0 0 27,928
SPDR S&P 400 MID CAP GROWTH ETF Equity 78464A821 221 3,622 SH   DFND CIM - Confluence Investment Mgmt. 0 0 3,622
SPDR S&P 400 MID CAP VALUE ETF Equity 78464A839 441 7,282 SH   DFND CIM - Confluence Investment Mgmt. 0 0 7,282
SPDR HEALTH CARE SELECT Equity 81369Y209 224 1,745 SH   DFND CIM - Confluence Investment Mgmt. 0 0 1,745
3M COMPANY Equity 88579Y101 374 2,890 SH   DFND CIM - Confluence Investment Mgmt. 0 0 2,890
WISDOMTREE JAPAN HEDGED EQUITY FUND Equity 97717W851 812 13,007 SH   DFND CIM - Confluence Investment Mgmt. 0 0 13,007
CLARIVATE PLC ORD SHS Foreign Equity G21810109 928 66,962 SH   DFND CIM - Confluence Investment Mgmt. 0 0 66,962
LINDE PLC SHS Foreign Equity G5494J103 749 2,605 SH   DFND CIM - Confluence Investment Mgmt. 0 0 2,605
CHUBB LIMITED Foreign Equity H1467J104 834 4,242 SH   DFND CIM - Confluence Investment Mgmt. 0 0 4,242
NXP SEMICONDUCTORS N V Foreign Equity N6596X109 811 5,477 SH   DFND CIM - Confluence Investment Mgmt. 0 0 5,477
MICROSOFT CORPORATION Equity 594918104 523 2,037 SH   SOLE   0 0 2,037
PROCTER AND GAMBLE COMPANY Equity 742718109 364 2,533 SH   SOLE   0 0 2,533
RAYMOND JAMES FINL INCORPORATED Equity 754730109 224 2,500 SH   DFND   0 0 2,500
ROYAL BK CDA Foreign Equity 780087102 606 6,257 SH   SOLE   0 0 6,257
FIRST CTZNS BANCSHARES INCORPORATED N C CLASS A Equity 31946M103 262 400 SH   SOLE   0 0 400
TRUIST FINL CORPORATION Equity 89832Q109 309 6,506 SH   SOLE   0 0 6,506
AMAZON COM INCORPORATED Equity 023135106 349 3,283 SH   DFND Jennison Associates, LLC (MD) 0 0 3,283
APPLE INCORPORATED Equity 037833100 396 2,897 SH   DFND Jennison Associates, LLC (MD) 0 0 2,897
MICROSOFT CORPORATION Equity 594918104 354 1,380 SH   DFND Jennison Associates, LLC (MD) 0 0 1,380
ALPHABET INCORPORATED CAP STK CLASS C Equity 02079K107 405 185 SH   DFND Jennison Associates, LLC (MD) 0 0 185
TESLA INCORPORATED Equity 88160R101 412 612 SH   DFND Jennison Associates, LLC (MD) 0 0 612
AMAZON COM INCORPORATED Equity 023135106 436 4,103 SH   DFND Loomis, Sayles & Co. (MD) 0 0 4,103
AUTODESK INCORPORATED Equity 052769106 266 1,545 SH   DFND Loomis, Sayles & Co. (MD) 0 0 1,545
BOEING COMPANY Equity 097023105 375 2,741 SH   DFND Loomis, Sayles & Co. (MD) 0 0 2,741
DISNEY WALT COMPANY Equity 254687106 220 2,335 SH   DFND Loomis, Sayles & Co. (MD) 0 0 2,335
MICROSOFT CORPORATION Equity 594918104 422 1,645 SH   DFND Loomis, Sayles & Co. (MD) 0 0 1,645
ALPHABET INCORPORATED CAP STK CLASS C Equity 02079K107 269 123 SH   DFND Loomis, Sayles & Co. (MD) 0 0 123
ALPHABET INCORPORATED CAP STK CLASS A Equity 02079K305 314 144 SH   DFND Loomis, Sayles & Co. (MD) 0 0 144
META PLATFORMS INCORPORATED CLASS A Equity 30303M102 328 2,035 SH   DFND Loomis, Sayles & Co. (MD) 0 0 2,035
MONSTER BEVERAGE CORPORATION NEW Equity 61174X109 317 3,420 SH   DFND Loomis, Sayles & Co. (MD) 0 0 3,420
NOVARTIS AG SPONSORED ADR Foreign Equity 66987V109 271 3,202 SH   DFND Loomis, Sayles & Co. (MD) 0 0 3,202
NVIDIA CORPORATION Equity 67066G104 387 2,550 SH   DFND Loomis, Sayles & Co. (MD) 0 0 2,550
ORACLE CORPORATION Equity 68389X105 324 4,636 SH   DFND Loomis, Sayles & Co. (MD) 0 0 4,636
REGENERON PHARMACEUTICALS Equity 75886F107 215 363 SH   DFND Loomis, Sayles & Co. (MD) 0 0 363
SALESFORCE INCORPORATED Equity 79466L302 258 1,563 SH   DFND Loomis, Sayles & Co. (MD) 0 0 1,563
TESLA INCORPORATED Equity 88160R101 215 320 SH   DFND Loomis, Sayles & Co. (MD) 0 0 320
VERTEX PHARMACEUTICALS INCORPORATED Equity 92532F100 267 949 SH   DFND Loomis, Sayles & Co. (MD) 0 0 949
VISA INCORPORATED COM CLASS A Equity 92826C839 502 2,549 SH   DFND Loomis, Sayles & Co. (MD) 0 0 2,549