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
ABBOTT LABS COM 002824100 619 6,394 SH   SOLE   6,394 0 0
ABBOTT LABS COM 002824100 2,622 27,101 SH   DFND 6 0 27,101 0
ABBOTT LABS COM 002824100 648 6,700 SH   DFND 5 0 6,700 0
ABBOTT LABS COM 002824100 107 1,105 SH   DFND 7 0 1,105 0
ABBOTT LABS COM 002824100 19 200 SH   DFND 1 0 200 0
ABBVIE COM 00287Y109 13 100 SH   SOLE   100 0 0
ABBVIE COM 00287Y109 1,382 10,300 SH   DFND 6 0 10,300 0
ADVANCED MICRO DEVICES INC COM 007903107 352 5,558 SH   SOLE   5,558 0 0
ADVANCED MICRO DEVICES INC COM 007903107 879 13,880 SH   DFND 6 0 13,880 0
ADVANCED MICRO DEVICES INC COM 007903107 403 6,360 SH   DFND 5 0 6,360 0
ADVANCED MICRO DEVICES INC COM 007903107 74 1,161 SH   DFND 7 0 1,161 0
ADVANCED MICRO DEVICES INC COM 007903107 15 234 SH   DFND 1 0 234 0
ALPHABET INC CL A COM 02079K305 583 6,090 SH   SOLE   6,090 0 0
ALPHABET INC CL A COM 02079K305 2,034 21,260 SH   DFND 6 0 21,260 0
ALPHABET INC CL A COM 02079K305 623 6,510 SH   DFND 5 0 6,510 0
ALPHABET INC CL A COM 02079K305 115 1,200 SH   DFND 7 0 1,200 0
ALPHABET INC CL A COM 02079K305 19 200 SH   DFND 1 0 200 0
AMAZON.COM COM 023135106 420 3,720 SH   SOLE   3,720 0 0
AMAZON.COM COM 023135106 1,144 10,120 SH   DFND 6 0 10,120 0
AMAZON.COM COM 023135106 447 3,960 SH   DFND 5 0 3,960 0
AMAZON.COM COM 023135106 79 700 SH   DFND 7 0 700 0
AMAZON.COM COM 023135106 9 80 SH   DFND 1 0 80 0
ANALOG DEVICES COM 032654105 540 3,875 SH   SOLE   3,875 0 0
ANALOG DEVICES COM 032654105 1,644 11,795 SH   DFND 6 0 11,795 0
ANALOG DEVICES COM 032654105 620 4,448 SH   DFND 5 0 4,448 0
ANALOG DEVICES COM 032654105 118 845 SH   DFND 7 0 845 0
ANALOG DEVICES COM 032654105 17 125 SH   DFND 1 0 125 0
APPLE INC COM 037833100 762 5,515 SH   SOLE   5,515 0 0
APPLE INC COM 037833100 3,361 24,322 SH   DFND 6 0 24,322 0
APPLE INC COM 037833100 784 5,670 SH   DFND 5 0 5,670 0
APPLE INC COM 037833100 146 1,060 SH   DFND 7 0 1,060 0
APPLE INC COM 037833100 31 225 SH   DFND 1 0 225 0
APTARGROUP COM 038336103 423 4,446 SH   SOLE   4,446 0 0
APTARGROUP COM 038336103 2,381 25,059 SH   DFND 6 0 25,059 0
APTARGROUP COM 038336103 453 4,768 SH   DFND 5 0 4,768 0
APTARGROUP COM 038336103 83 875 SH   DFND 7 0 875 0
APTARGROUP COM 038336103 19 200 SH   DFND 1 0 200 0
AUTOMATIC DATA PROCESSING COM 053015103 795 3,515 SH   SOLE   3,515 0 0
AUTOMATIC DATA PROCESSING COM 053015103 3,942 17,428 SH   DFND 6 0 17,428 0
AUTOMATIC DATA PROCESSING COM 053015103 736 3,254 SH   DFND 5 0 3,254 0
AUTOMATIC DATA PROCESSING COM 053015103 145 640 SH   DFND 7 0 640 0
AUTOMATIC DATA PROCESSING COM 053015103 32 140 SH   DFND 1 0 140 0
BECTON DICKINSON COM 075887109 170 765 SH   SOLE   765 0 0
BECTON DICKINSON COM 075887109 411 1,843 SH   DFND 6 0 1,843 0
BECTON DICKINSON COM 075887109 9 40 SH   DFND 1 0 40 0
BECTON DICKINSON COM 075887109 109 490 SH   DFND 5 0 490 0
BERKSHIRE HATHAWAY CL B COM 084670702 92 345 SH   SOLE   345 0 0
BERKSHIRE HATHAWAY CL B COM 084670702 427 1,600 SH   DFND 6 0 1,600 0
CANADIAN NATL RAILWAY COM 136375102 678 6,276 SH   SOLE   6,276 0 0
CANADIAN NATL RAILWAY COM 136375102 3,105 28,755 SH   DFND 6 0 28,755 0
CANADIAN NATL RAILWAY COM 136375102 615 5,697 SH   DFND 5 0 5,697 0
CANADIAN NATL RAILWAY COM 136375102 119 1,100 SH   DFND 7 0 1,100 0
CANADIAN NATL RAILWAY COM 136375102 29 265 SH   DFND 1 0 265 0
CHEVRON COM 166764100 298 2,075 SH   SOLE   2,075 0 0
CHEVRON COM 166764100 1,184 8,240 SH   DFND 6 0 8,240 0
CHEVRON COM 166764100 522 3,631 SH   DFND 5 0 3,631 0
CHEVRON COM 166764100 22 150 SH   DFND 7 0 150 0
CHEVRON COM 166764100 7 50 SH   DFND 1 0 50 0
CVS HEALTH COM 126650100 372 3,900 SH   SOLE   3,900 0 0
CVS HEALTH COM 126650100 2,615 27,417 SH   DFND 6 0 27,417 0
CVS HEALTH COM 126650100 36 373 SH   DFND 5 0 373 0
CVS HEALTH COM 126650100 7 75 SH   DFND 1 0 75 0
CVS HEALTH COM 126650100 21 225 SH   DFND 7 0 225 0
DANAHER CORP COM 235851102 608 2,353 SH   SOLE   2,353 0 0
DANAHER CORP COM 235851102 2,259 8,747 SH   DFND 6 0 8,747 0
DANAHER CORP COM 235851102 656 2,539 SH   DFND 5 0 2,539 0
DANAHER CORP COM 235851102 132 510 SH   DFND 7 0 510 0
DANAHER CORP COM 235851102 30 115 SH   DFND 1 0 115 0
DISNEY COM 254687106 346 3,669 SH   SOLE   3,669 0 0
DISNEY COM 254687106 991 10,502 SH   DFND 6 0 10,502 0
DISNEY COM 254687106 281 2,975 SH   DFND 5 0 2,975 0
DISNEY COM 254687106 58 620 SH   DFND 7 0 620 0
DISNEY COM 254687106 12 125 SH   DFND 1 0 125 0
DOMINION RES INC COM 25746U109 259 3,744 SH   DFND 6 0 3,744 0
EDWARDS LIFESCIENCES COM 28176E108 142 1,720 SH   SOLE   1,720 0 0
EDWARDS LIFESCIENCES COM 28176E108 4 45 SH   DFND 6 0 45 0
EDWARDS LIFESCIENCES COM 28176E108 90 1,090 SH   DFND 5 0 1,090 0
EDWARDS LIFESCIENCES COM 28176E108 3 40 SH   DFND 1 0 40 0
EMERSON ELECTRIC COM 291011104 11 150 SH   SOLE   150 0 0
EMERSON ELECTRIC COM 291011104 293 4,000 SH   DFND 6 0 4,000 0
EXXON MOBIL COM 30231G102 63 725 SH   SOLE   725 0 0
EXXON MOBIL COM 30231G102 1,925 22,050 SH   DFND 6 0 22,050 0
EXXON MOBIL COM 30231G102 67 772 SH   DFND 7 0 772 0
EXXON MOBIL COM 30231G102 31 350 SH   DFND 1 0 350 0
FACTSET RESH SYS COM 303075105 200 500 SH   DFND 6 0 500 0
FISERV COM 337738108 514 5,495 SH   SOLE   5,495 0 0
FISERV COM 337738108 2,106 22,503 SH   DFND 6 0 22,503 0
FISERV COM 337738108 523 5,591 SH   DFND 5 0 5,591 0
FISERV COM 337738108 109 1,165 SH   DFND 7 0 1,165 0
FISERV COM 337738108 19 200 SH   DFND 1 0 200 0
GENERAL MILLS COM 370334104 1,348 17,600 SH   DFND 6 0 17,600 0
HOME DEPOT COM 437076102 426 1,545 SH   SOLE   1,545 0 0
HOME DEPOT COM 437076102 1,766 6,400 SH   DFND 6 0 6,400 0
HOME DEPOT COM 437076102 567 2,053 SH   DFND 5 0 2,053 0
HOME DEPOT COM 437076102 97 350 SH   DFND 7 0 350 0
HOME DEPOT COM 437076102 11 40 SH   DFND 1 0 40 0
HONEYWELL INTL COM 438516106 166 995 SH   SOLE   995 0 0
HONEYWELL INTL COM 438516106 810 4,850 SH   DFND 6 0 4,850 0
HONEYWELL INTL COM 438516106 139 835 SH   DFND 5 0 835 0
HONEYWELL INTL COM 438516106 94 560 SH   DFND 7 0 560 0
HONEYWELL INTL COM 438516106 13 80 SH   DFND 1 0 80 0
ILLUMINA COM 452327109 132 690 SH   SOLE   690 0 0
ILLUMINA COM 452327109 422 2,210 SH   DFND 6 0 2,210 0
ILLUMINA COM 452327109 247 1,293 SH   DFND 5 0 1,293 0
ILLUMINA COM 452327109 11 60 SH   DFND 7 0 60 0
INTEL CORP COM 458140100 5 200 SH   SOLE   200 0 0
INTEL CORP COM 458140100 613 23,800 SH   DFND 6 0 23,800 0
JOHNSON & JOHNSON COM 478160104 616 3,772 SH   SOLE   3,772 0 0
JOHNSON & JOHNSON COM 478160104 2,967 18,162 SH   DFND 6 0 18,162 0
JOHNSON & JOHNSON COM 478160104 582 3,562 SH   DFND 5 0 3,562 0
JOHNSON & JOHNSON COM 478160104 139 850 SH   DFND 7 0 850 0
JOHNSON & JOHNSON COM 478160104 29 175 SH   DFND 1 0 175 0
KONINKLIJKE DSM NV COM 780249108 288 10,125 SH   SOLE   10,125 0 0
KONINKLIJKE DSM NV COM 780249108 489 17,225 SH   DFND 6 0 17,225 0
KONINKLIJKE DSM NV COM 780249108 129 4,545 SH   DFND 5 0 4,545 0
KONINKLIJKE DSM NV COM 780249108 55 1,950 SH   DFND 7 0 1,950 0
KONINKLIJKE DSM NV COM 780249108 9 300 SH   DFND 1 0 300 0
MASTERCARD COM 57636Q104 608 2,138 SH   SOLE   2,138 0 0
MASTERCARD COM 57636Q104 2,636 9,271 SH   DFND 6 0 9,271 0
MASTERCARD COM 57636Q104 597 2,101 SH   DFND 5 0 2,101 0
MASTERCARD COM 57636Q104 109 385 SH   DFND 7 0 385 0
MASTERCARD COM 57636Q104 23 80 SH   DFND 1 0 80 0
MEDTRONIC COM G5960L103 204 2,532 SH   SOLE   2,532 0 0
MEDTRONIC COM G5960L103 446 5,520 SH   DFND 6 0 5,520 0
MEDTRONIC COM G5960L103 177 2,198 SH   DFND 5 0 2,198 0
MEDTRONIC COM G5960L103 42 525 SH   DFND 7 0 525 0
MEDTRONIC COM G5960L103 8 100 SH   DFND 1 0 100 0
MESOBLAST LIMITED COM 590717104 5 2,000 SH   SOLE   2,000 0 0
MESOBLAST LIMITED COM 590717104 56 22,000 SH   DFND 6 0 22,000 0
MICROSOFT CORP COM 594918104 578 2,480 SH   SOLE   2,480 0 0
MICROSOFT CORP COM 594918104 2,406 10,330 SH   DFND 6 0 10,330 0
MICROSOFT CORP COM 594918104 628 2,695 SH   DFND 5 0 2,695 0
MICROSOFT CORP COM 594918104 123 530 SH   DFND 7 0 530 0
MICROSOFT CORP COM 594918104 27 115 SH   DFND 1 0 115 0
NESTLE SA ADR COM 641069406 559 5,197 SH   SOLE   5,197 0 0
NESTLE SA ADR COM 641069406 2,850 26,487 SH   DFND 6 0 26,487 0
NESTLE SA ADR COM 641069406 635 5,898 SH   DFND 5 0 5,898 0
NESTLE SA ADR COM 641069406 89 825 SH   DFND 7 0 825 0
NESTLE SA ADR COM 641069406 27 250 SH   DFND 1 0 250 0
NIKE INC CLASS B COM 654106103 237 2,855 SH   SOLE   2,855 0 0
NIKE INC CLASS B COM 654106103 707 8,500 SH   DFND 6 0 8,500 0
NIKE INC CLASS B COM 654106103 229 2,755 SH   DFND 5 0 2,755 0
NIKE INC CLASS B COM 654106103 47 560 SH   DFND 7 0 560 0
NIKE INC CLASS B COM 654106103 8 100 SH   DFND 1 0 100 0
NORFOLK SOUTHERN COM 655844108 535 2,550 SH   DFND 6 0 2,550 0
NOVARTIS AG ADR COM 66987V109 445 5,852 SH   SOLE   5,852 0 0
NOVARTIS AG ADR COM 66987V109 1,697 22,326 SH   DFND 6 0 22,326 0
NOVARTIS AG ADR COM 66987V109 292 3,848 SH   DFND 5 0 3,848 0
NOVARTIS AG ADR COM 66987V109 32 425 SH   DFND 7 0 425 0
NOVARTIS AG ADR COM 66987V109 19 250 SH   DFND 1 0 250 0
NOVO NORDISK A S ADR COM 670100205 7 75 SH   SOLE   75 0 0
NOVO NORDISK A S ADR COM 670100205 1,025 10,290 SH   DFND 6 0 10,290 0
NOVOZYMES A S DKK 2.0 COM B798FW902 11 225 SH   SOLE   225 0 0
NOVOZYMES A S DKK 2.0 COM B798FW902 277 5,500 SH   DFND 6 0 5,500 0
NOVOZYMES A S DKK 2.0 COM B798FW902 76 1,500 SH   DFND 5 0 1,500 0
NVIDIA CORP COM 67066G104 182 1,502 SH   SOLE   1,502 0 0
NVIDIA CORP COM 67066G104 385 3,170 SH   DFND 6 0 3,170 0
NVIDIA CORP COM 67066G104 105 862 SH   DFND 5 0 862 0
NVIDIA CORP COM 67066G104 34 280 SH   DFND 7 0 280 0
NVIDIA CORP COM 67066G104 6 50 SH   DFND 1 0 50 0
PAYPAL HOLDINGS COM 70450Y103 240 2,790 SH   SOLE   2,790 0 0
PAYPAL HOLDINGS COM 70450Y103 659 7,660 SH   DFND 6 0 7,660 0
PAYPAL HOLDINGS COM 70450Y103 270 3,138 SH   DFND 5 0 3,138 0
PAYPAL HOLDINGS COM 70450Y103 45 520 SH   DFND 7 0 520 0
PEPSICO COM 713448108 293 1,795 SH   SOLE   1,795 0 0
PEPSICO COM 713448108 1,518 9,300 SH   DFND 6 0 9,300 0
PEPSICO COM 713448108 43 265 SH   DFND 7 0 265 0
PEPSICO COM 713448108 24 150 SH   DFND 1 0 150 0
PFIZER COM 717081103 9 200 SH   SOLE   200 0 0
PFIZER COM 717081103 627 14,332 SH   DFND 6 0 14,332 0
PROCTER & GAMBLE COM 742718109 518 4,105 SH   SOLE   4,105 0 0
PROCTER & GAMBLE COM 742718109 2,951 23,377 SH   DFND 6 0 23,377 0
PROCTER & GAMBLE COM 742718109 584 4,623 SH   DFND 5 0 4,623 0
PROCTER & GAMBLE COM 742718109 106 840 SH   DFND 7 0 840 0
PROCTER & GAMBLE COM 742718109 28 225 SH   DFND 1 0 225 0
RAYTHEON TECHNOLOGIES COM 75513E101 468 5,713 SH   SOLE   5,713 0 0
RAYTHEON TECHNOLOGIES COM 75513E101 1,116 13,635 SH   DFND 6 0 13,635 0
RAYTHEON TECHNOLOGIES COM 75513E101 600 7,335 SH   DFND 5 0 7,335 0
RAYTHEON TECHNOLOGIES COM 75513E101 117 1,425 SH   DFND 7 0 1,425 0
RAYTHEON TECHNOLOGIES COM 75513E101 20 250 SH   DFND 1 0 250 0
ROCKWELL AUTOMATION COM 773903109 538 2,500 SH   SOLE   2,500 0 0
ROCKWELL AUTOMATION COM 773903109 1,998 9,288 SH   DFND 6 0 9,288 0
ROCKWELL AUTOMATION COM 773903109 529 2,458 SH   DFND 5 0 2,458 0
ROCKWELL AUTOMATION COM 773903109 103 480 SH   DFND 7 0 480 0
ROCKWELL AUTOMATION COM 773903109 8 35 SH   DFND 1 0 35 0
TJX COS COM 872540109 371 5,980 SH   SOLE   5,980 0 0
TJX COS COM 872540109 1,089 17,533 SH   DFND 6 0 17,533 0
TJX COS COM 872540109 314 5,055 SH   DFND 5 0 5,055 0
TJX COS COM 872540109 88 1,410 SH   DFND 7 0 1,410 0
TJX COS COM 872540109 12 200 SH   DFND 1 0 200 0
UNILEVER PLC NEW ADR COM 904767704 70 1,600 SH   SOLE   1,600 0 0
UNILEVER PLC NEW ADR COM 904767704 432 9,844 SH   DFND 6 0 9,844 0
UNION PACIFIC COM 907818108 973 4,992 SH   DFND 6 0 4,992 0
UNITED HEALTH GROUP COM 91324P102 426 844 SH   SOLE   844 0 0
UNITED HEALTH GROUP COM 91324P102 937 1,855 SH   DFND 6 0 1,855 0
UNITED HEALTH GROUP COM 91324P102 525 1,040 SH   DFND 5 0 1,040 0
UNITED HEALTH GROUP COM 91324P102 96 190 SH   DFND 7 0 190 0
UNITED HEALTH GROUP COM 91324P102 20 40 SH   DFND 1 0 40 0
XYLEM INC COM 98419M100 385 4,405 SH   SOLE   4,405 0 0
XYLEM INC COM 98419M100 905 10,355 SH   DFND 6 0 10,355 0
XYLEM INC COM 98419M100 448 5,127 SH   DFND 5 0 5,127 0
XYLEM INC COM 98419M100 77 885 SH   DFND 7 0 885 0