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 Equities 88579Y101 197 1,519 SH   DFND   1,519 0 0
3M CO Equities 88579Y101 133 1,028 SH   SOLE   1,028 0 0
ABBOTT LABORATORIES Equities 002824100 98 900 SH   DFND   900 0 0
ABBOTT LABORATORIES Equities 002824100 4,239 39,011 SH   SOLE   39,011 0 0
ABBVIE INC COM Equities 00287Y109 138 900 SH   DFND   900 0 0
ABBVIE INC COM Equities 00287Y109 6,458 42,163 SH   SOLE   42,163 0 0
ALLIANCE BERNSTEIN HOLDING LP U Equities 01881G106 291 7,000 SH   SOLE   7,000 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 33 15 SH   DFND   15 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 658 302 SH   SOLE   302 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 59 27 SH   DFND   27 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 1,004 459 SH   SOLE   459 0 0
AMAZON.COM INC Equities 023135106 21 200 SH   DFND   200 0 0
AMAZON.COM INC Equities 023135106 331 3,120 SH   SOLE   3,120 0 0
AMERICAN EXPRESS CO Equities 025816109 28 200 SH   DFND   200 0 0
AMERICAN EXPRESS CO Equities 025816109 242 1,748 SH   SOLE   1,748 0 0
AMERICAN TOWER CORP NEW Equities 03027X100 24 92 SH   DFND   92 0 0
AMERICAN TOWER CORP NEW Equities 03027X100 184 720 SH   SOLE   720 0 0
AMGEN INC Equities 031162100 90 370 SH   DFND   370 0 0
AMGEN INC Equities 031162100 222 913 SH   SOLE   913 0 0
APPLE INC Equities 037833100 259 1,893 SH   DFND   1,893 0 0
APPLE INC Equities 037833100 6,919 50,610 SH   SOLE   50,610 0 0
AT&T INC Equities 00206R102 42 2,015 SH   DFND   2,015 0 0
AT&T INC Equities 00206R102 230 10,986 SH   SOLE   10,986 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 336 1,600 SH   DFND   1,600 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 1,627 7,746 SH   SOLE   7,746 0 0
BECTON DICKINSON & CO Equities 075887109 160 650 SH   DFND   650 0 0
BECTON DICKINSON & CO Equities 075887109 712 2,890 SH   SOLE   2,890 0 0
BERKSHIRE HATHAWAY INC B Equities 084670702 283 1,038 SH   SOLE   1,038 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 47 610 SH   DFND   610 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 615 7,986 SH   SOLE   7,986 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 40 300 SH   DFND   300 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 397 2,952 SH   SOLE   2,952 0 0
CHEVRON CORP Equities 166764100 60 416 SH   DFND   416 0 0
CHEVRON CORP Equities 166764100 797 5,503 SH   SOLE   5,503 0 0
CHUBB LIMITED Equities H1467J104 81 410 SH   DFND   410 0 0
CHUBB LIMITED Equities H1467J104 1,166 5,933 SH   SOLE   5,933 0 0
CISCO SYSTEMS INC Equities 17275R102 136 3,200 SH   DFND   3,200 0 0
CISCO SYSTEMS INC Equities 17275R102 420 9,841 SH   SOLE   9,841 0 0
COCA COLA CO Equities 191216100 60 960 SH   DFND   960 0 0
COCA COLA CO Equities 191216100 1,100 17,485 SH   SOLE   17,485 0 0
COMCAST CORP CLASS A Equities 20030N101 16 399 SH   DFND   399 0 0
COMCAST CORP CLASS A Equities 20030N101 267 6,795 SH   SOLE   6,795 0 0
COSTCO WHOLESALE CORP Equities 22160K105 160 334 SH   DFND   334 0 0
COSTCO WHOLESALE CORP Equities 22160K105 2,007 4,188 SH   SOLE   4,188 0 0
CSX CORP Equities 126408103 3 110 SH   DFND   110 0 0
CSX CORP Equities 126408103 623 21,450 SH   SOLE   21,450 0 0
CUMMINS INC Equities 231021106 22 115 SH   DFND   115 0 0
CUMMINS INC Equities 231021106 209 1,080 SH   SOLE   1,080 0 0
CVS HEALTH CORPORATION Equities 126650100 331 3,567 SH   SOLE   3,567 0 0
DEERE & COMPANY Equities 244199105 4 15 SH   DFND   15 0 0
DEERE & COMPANY Equities 244199105 400 1,337 SH   SOLE   1,337 0 0
DELEK LOGISTICS PARTNERS LP Equities 24664T103 341 7,000 SH   SOLE   7,000 0 0
DISNEY WALT CO Equities 254687106 1,441 15,267 SH   SOLE   15,267 0 0
EMERSON ELECTRIC CO Equities 291011104 15 184 SH   DFND   184 0 0
EMERSON ELECTRIC CO Equities 291011104 210 2,640 SH   SOLE   2,640 0 0
EXPEDITORS INTERNATIONAL Equities 302130109 383 3,925 SH   SOLE   3,925 0 0
EXXON MOBIL CORP Equities 30231G102 217 2,530 SH   DFND   2,530 0 0
EXXON MOBIL CORP Equities 30231G102 2,416 28,212 SH   SOLE   28,212 0 0
FEDEX CORP Equities 31428X106 28 125 SH   DFND   125 0 0
FEDEX CORP Equities 31428X106 308 1,360 SH   SOLE   1,360 0 0
GENERAL MILLS INC Equities 370334104 128 1,700 SH   DFND   1,700 0 0
GENERAL MILLS INC Equities 370334104 174 2,301 SH   SOLE   2,301 0 0
HARLEY DAVIDSON INC Equities 412822108 443 14,000 SH   SOLE   14,000 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106 787 4,529 SH   SOLE   4,529 0 0
INTEL CORP Equities 458140100 75 1,996 SH   DFND   1,996 0 0
INTEL CORP Equities 458140100 561 14,998 SH   SOLE   14,998 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 122 863 SH   DFND   863 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 608 4,303 SH   SOLE   4,303 0 0
INVESCO FTSE RAFI US 1000 ETF Equities 46137V613 314 2,118 SH   SOLE   2,118 0 0
INVESCO SENIOR LOAN ETF Fixed Income 46138G508 494 24,378 SH   SOLE   24,378 0 0
ISHARES CORE MSCI EMERGING MKTS Equities 46434G103 277 5,644 SH   SOLE   5,644 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834 8 148 SH   DFND   148 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834 2,106 36,925 SH   SOLE   36,925 0 0
ISHARES CORE S&P 500 (MKT) ETF Equities 464287200 2,285 6,026 SH   SOLE   6,026 0 0
ISHARES CORE S&P MID CAP ETF Equities 464287507 414 1,829 SH   SOLE   1,829 0 0
ISHARES CORE US AGGREGATE BOND Fixed Income 464287226 1,667 16,399 SH   SOLE   16,399 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 68 1,095 SH   DFND   1,095 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 913 14,616 SH   SOLE   14,616 0 0
ISHARES MSCI EMG MKT ETF Equities 464287234 584 14,560 SH   SOLE   14,560 0 0
ISHARES MSCI USA QUALITY FACTOR Equities 46432F339 238 2,132 SH   SOLE   2,132 0 0
ISHARES RUSSELL 2000 (MKT) Equities 464287655 2,218 13,099 SH   SOLE   13,099 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 53 259 SH   DFND   259 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 610 2,959 SH   SOLE   2,959 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 50 365 SH   DFND   365 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 349 2,568 SH   SOLE   2,568 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 118 1,832 SH   DFND   1,832 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 2,236 34,588 SH   SOLE   34,588 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705 655 6,943 SH   SOLE   6,943 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606 459 7,200 SH   SOLE   7,200 0 0
JOHNSON AND JOHNSON Equities 478160104 233 1,312 SH   DFND   1,312 0 0
JOHNSON AND JOHNSON Equities 478160104 3,068 17,281 SH   SOLE   17,281 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 135 1,198 SH   DFND   1,198 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 1,652 14,673 SH   SOLE   14,673 0 0
KIMBERLY-CLARK CORP Equities 494368103 90 664 SH   DFND   664 0 0
KIMBERLY-CLARK CORP Equities 494368103 161 1,188 SH   SOLE   1,188 0 0
KNOT OFFSHORE PARTNERS LP Equities Y48125101 278 17,000 SH   SOLE   17,000 0 0
LINDE PLC Equities G5494J103 165 575 SH   DFND   575 0 0
LINDE PLC Equities G5494J103 572 1,989 SH   SOLE   1,989 0 0
LOWES COMPANIES INC Equities 548661107 23 131 SH   DFND   131 0 0
LOWES COMPANIES INC Equities 548661107 285 1,631 SH   SOLE   1,631 0 0
MCDONALDS CORP Equities 580135101 185 750 SH   DFND   750 0 0
MCDONALDS CORP Equities 580135101 891 3,611 SH   SOLE   3,611 0 0
MERCK & CO INC Equities 58933Y105 9 100 SH   DFND   100 0 0
MERCK & CO INC Equities 58933Y105 359 3,937 SH   SOLE   3,937 0 0
MICROSOFT CORP Equities 594918104 902 3,513 SH   DFND   3,513 0 0
MICROSOFT CORP Equities 594918104 6,755 26,300 SH   SOLE   26,300 0 0
MONDELEZ INTL INC CL A Equities 609207105 266 4,281 SH   SOLE   4,281 0 0
NEXTERA ENERGY INC Equities 65339F101 150 1,935 SH   DFND   1,935 0 0
NEXTERA ENERGY INC Equities 65339F101 1,460 18,851 SH   SOLE   18,851 0 0
NORFOLK SOUTHERN CORP Equities 655844108 293 1,290 SH   SOLE   1,290 0 0
NOVARTIS AG ADR Equities 66987V109 53 628 SH   DFND   628 0 0
NOVARTIS AG ADR Equities 66987V109 422 4,992 SH   SOLE   4,992 0 0
NUVEEN CALIFORNIA QUALITY MUNI Fixed Income 67066Y105 2,130 172,764 SH   SOLE   172,764 0 0
ORACLE CORP Equities 68389X105 70 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105 328 4,690 SH   SOLE   4,690 0 0
PEPSICO INC Equities 713448108 208 1,246 SH   DFND   1,246 0 0
PEPSICO INC Equities 713448108 998 5,988 SH   SOLE   5,988 0 0
PFIZER INC Equities 717081103 93 1,767 SH   DFND   1,767 0 0
PFIZER INC Equities 717081103 603 11,498 SH   SOLE   11,498 0 0
PHILIP MORRIS INTL INC Equities 718172109 16 159 SH   DFND   159 0 0
PHILIP MORRIS INTL INC Equities 718172109 315 3,195 SH   SOLE   3,195 0 0
PHILLIPS 66 Equities 718546104 38 460 SH   DFND   460 0 0
PHILLIPS 66 Equities 718546104 206 2,516 SH   SOLE   2,516 0 0
PIMCO CALIFORNIA MUNI INCOME FU Fixed Income 72200N106 577 37,440 SH   SOLE   37,440 0 0
PROCTER & GAMBLE CO Equities 742718109 178 1,235 SH   DFND   1,235 0 0
PROCTER & GAMBLE CO Equities 742718109 2,756 19,165 SH   SOLE   19,165 0 0
QUALCOMM INC Equities 747525103 26 200 SH   DFND   200 0 0
QUALCOMM INC Equities 747525103 622 4,871 SH   SOLE   4,871 0 0
RAYTHEON TECHS CORP Equities 75513E101 135 1,405 SH   DFND   1,405 0 0
RAYTHEON TECHS CORP Equities 75513E101 856 8,910 SH   SOLE   8,910 0 0
S&P GLOBAL INC Equities 78409V104 115 341 SH   DFND   341 0 0
S&P GLOBAL INC Equities 78409V104 427 1,268 SH   SOLE   1,268 0 0
SARATOGA INVESTMENT CORP NEW Equities 80349A208 312 13,000 SH   SOLE   13,000 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 323 4,508 SH   DFND   4,508 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 928 12,952 SH   SOLE   12,952 0 0
SCHWAB U S LARGE CAP ETF Equities 808524201 1,274 28,536 SH   SOLE   28,536 0 0
SCHWAB US SMALL CAP ETF Equities 808524607 540 13,844 SH   SOLE   13,844 0 0
SPDR S&P MIDCAP 400 (MKT) Equities 78467Y107 1,863 4,505 SH   SOLE   4,505 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 128 1,348 SH   DFND   1,348 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 1,013 10,651 SH   SOLE   10,651 0 0
STARBUCKS CORP Equities 855244109 24 310 SH   DFND   310 0 0
STARBUCKS CORP Equities 855244109 364 4,763 SH   SOLE   4,763 0 0
SUN LIFE FINANCIAL INC Equities 866796105 321 7,003 SH   SOLE   7,003 0 0
SUNOCO LTD PARTNERSHIP Equities 86765K109 384 10,300 SH   SOLE   10,300 0 0
TARGET CORP Equities 87612E106 28 200 SH   DFND   200 0 0
TARGET CORP Equities 87612E106 620 4,393 SH   SOLE   4,393 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102 550 1,013 SH   SOLE   1,013 0 0
UNITED PARCEL SERVICE CL B Equities 911312106 31 171 SH   DFND   171 0 0
UNITED PARCEL SERVICE CL B Equities 911312106 485 2,658 SH   SOLE   2,658 0 0
VANGUARD FTSE ALL-WORLD EX-US Equities 922042775 312 6,255 SH   SOLE   6,255 0 0
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858 687 16,839 SH   SOLE   16,839 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 33 791 SH   DFND   791 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 730 17,528 SH   SOLE   17,528 0 0
VANGUARD GROWTH ETF (MKT) Equities 922908736 2,152 9,654 SH   SOLE   9,654 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 524 5,152 SH   DFND   5,152 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 1,505 14,798 SH   SOLE   14,798 0 0
VANGUARD LARGE CAP ETF Equities 922908637 1,078 6,256 SH   SOLE   6,256 0 0
VANGUARD REIT ETF (MKT) Equities 922908553 305 3,353 SH   SOLE   3,353 0 0
VANGUARD S&P 500 INDEX ETF Equities 922908363 674 1,942 SH   SOLE   1,942 0 0
VANGUARD SHORT-TERM BOND ETF Fixed Income 921937827 873 11,363 SH   SOLE   11,363 0 0
VANGUARD SHORT-TERM CORP BD IDX Fixed Income 92206C409 674 8,843 SH   SOLE   8,843 0 0
VANGUARD TOTAL INTL BD IDX ETF Fixed Income 92203J407 234 4,729 SH   SOLE   4,729 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769 334 1,770 SH   SOLE   1,770 0 0
VANGUARD VALUE ETF Equities 922908744 2,988 22,657 SH   SOLE   22,657 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 92 1,806 SH   DFND   1,806 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 665 13,097 SH   SOLE   13,097 0 0
VF CORPORATION Equities 918204108 70 1,575 SH   DFND   1,575 0 0
VF CORPORATION Equities 918204108 345 7,800 SH   SOLE   7,800 0 0
VISA INC CL A Equities 92826C839 435 2,210 SH   SOLE   2,210 0 0
WELLS FARGO & COMPANY Equities 949746101 145 3,700 SH   DFND   3,700 0 0
WELLS FARGO & COMPANY Equities 949746101 684 17,454 SH   SOLE   17,454 0 0