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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
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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
ABBOTT LABORATORIES Equities 002824100   838,034 8,065 SH   DFND   8,065 0 0
ABBOTT LABORATORIES Equities 002824100   659,725 6,349 SH   SOLE   6,300 0 49
ABBVIE INC Equities 00287Y109   1,379,021 8,040 SH   DFND   8,040 0 0
ABBVIE INC Equities 00287Y109   965,658 5,630 SH   SOLE   5,596 0 34
ACCENTURE PLC A Equities G1151C101   417,189 1,375 SH   SOLE   1,375 0 0
ADOBE INC Equities 00724F101   5,555 10 SH   DFND   10 0 0
ADOBE INC Equities 00724F101   380,545 685 SH   SOLE   682 0 3
ALPHABET INC CAP STK CLASS C Equities 02079K107   8,804 48 SH   DFND   48 0 0
ALPHABET INC CAP STK CLASS C Equities 02079K107   1,608,960 8,772 SH   SOLE   8,725 0 47
ALPHABET INC CLASS A Equities 02079K305   14,572 80 SH   DFND   80 0 0
ALPHABET INC CLASS A Equities 02079K305   1,134,612 6,229 SH   SOLE   6,182 0 47
AMAZON.COM INC Equities 023135106   20,485 106 SH   DFND   106 0 0
AMAZON.COM INC Equities 023135106   1,727,655 8,940 SH   SOLE   8,876 0 64
AMERICAN EXPRESS COMMON Equities 025816109   549,931 2,375 SH   DFND   2,375 0 0
AMERICAN EXPRESS COMMON Equities 025816109   343,157 1,482 SH   SOLE   1,482 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   216,158 506 SH   DFND   506 0 0
AMERIPRISE FINL INC COMMON Equities 03076C106   225,984 529 SH   SOLE   522 0 7
AMGEN INC Equities 031162100   269,332 862 SH   SOLE   862 0 0
ANALOG DEVICES INC Equities 032654105   239,673 1,050 SH   SOLE   1,050 0 0
AON PLC Equities G0403H108   484,407 1,650 SH   SOLE   1,650 0 0
APOLLO GLOBAL MGMT INC Equities 03769M106   357,162 3,025 SH   SOLE   3,025 0 0
APPLE INC COMMON Equities 037833100   29,908 142 SH   DFND   142 0 0
APPLE INC COMMON Equities 037833100   2,627,906 12,477 SH   SOLE   12,391 0 86
APPLIED MATERIALS INC Equities 038222105   495,579 2,100 SH   SOLE   2,089 0 11
ARCH CAPITAL GROUP LTD Equities G0450A105   245,566 2,434 SH   SOLE   2,434 0 0
ARCHER DANIELS MIDLAND CO Equities 039483102   78,473,107 1,298,149 SH   SOLE   1,298,149 0 0
ARISTA NETWORKS INC Equities 040413106   235,523 672 SH   SOLE   664 0 8
AT&T INC Equities 00206R102   10,453 547 SH   DFND   547 0 0
AT&T INC Equities 00206R102   314,608 16,463 SH   SOLE   16,192 0 271
AUTOMATIC DATA PROCESSING INC Equities 053015103   95,476 400 SH   DFND   400 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103   572,617 2,399 SH   SOLE   2,399 0 0
BANK AMER CORP COMMON Equities 060505104   424,465 10,673 SH   SOLE   10,673 0 0
BERKSHIRE HATHAWAY INC DEL CLAS Equities 084670702   842,076 2,070 SH   SOLE   2,070 0 0
BROADCOM INC Equities 11135F101   8,028 5 SH   DFND   5 0 0
BROADCOM INC Equities 11135F101   634,184 395 SH   SOLE   390 0 5
CAPITAL ONE FINL CORP COMMON Equities 14040H105   360,662 2,605 SH   SOLE   2,605 0 0
CATERPILLAR INC. Equities 149123101   8,328 25 SH   DFND   25 0 0
CATERPILLAR INC. Equities 149123101   332,101 997 SH   SOLE   986 0 11
CHEVRON CORP Equities 166764100   440,479 2,816 SH   SOLE   2,809 0 7
CHUBB LIMITED COM NPV Equities H1467J104   204,319 801 SH   SOLE   801 0 0
CINTAS CORP Equities 172908105   233,887 334 SH   SOLE   334 0 0
CISCO SYSTEMS INC Equities 17275R102   135,784 2,858 SH   DFND   2,858 0 0
CISCO SYSTEMS INC Equities 17275R102   573,303 12,067 SH   SOLE   11,966 0 101
COCA-COLA CO Equities 191216100   827,450 13,000 SH   DFND   13,000 0 0
COCA-COLA CO Equities 191216100   846,227 13,295 SH   SOLE   13,295 0 0
CONOCOPHILLIPS Equities 20825C104   205,770 1,799 SH   SOLE   1,799 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   11,050 13 SH   DFND   13 0 0
COSTCO WHOLESALE CORP NEW COMMO Equities 22160K105   476,844 561 SH   SOLE   555 0 6
DANAHER CORP COMMON Equities 235851102   328,053 1,313 SH   SOLE   1,313 0 0
DELL TECHNOLOGIES INC Equities 24703L202   454,000 3,292 SH   SOLE   3,292 0 0
EATON CORP PLC Equities G29183103   446,182 1,423 SH   SOLE   1,413 0 10
EXXON MOBIL CORP Equities 30231G102   1,323,880 11,500 SH   DFND   11,500 0 0
EXXON MOBIL CORP Equities 30231G102   1,374,418 11,939 SH   SOLE   11,891 0 48
FAIR ISAAC CORP Equities 303250104   202,458 136 SH   SOLE   136 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805   294,893 6,850 SH   DFND   6,850 0 0
GE AEROSPACE Equities 369604301   357,683 2,250 SH   DFND   2,250 0 0
GE AEROSPACE Equities 369604301   531,755 3,345 SH   SOLE   3,345 0 0
GE VERNOVA Equities 36828A101   96,389 562 SH   DFND   562 0 0
GE VERNOVA Equities 36828A101   118,685 692 SH   SOLE   692 0 0
HUBBELL INC NPV Equities 443510607   922,837 2,525 SH   DFND   2,525 0 0
INTEL CORP Equities 458140100   3,964 128 SH   DFND   128 0 0
INTEL CORP Equities 458140100   685,273 22,127 SH   SOLE   22,127 0 0
INTERCONTINENTALEXCHANGE GROUP Equities 45866F104   275,560 2,013 SH   SOLE   2,013 0 0
INTUIT Equities 461202103   293,116 446 SH   SOLE   446 0 0
INVESCO AC VAR ETF Equities 46090A879   533,672 21,228 SH   DFND   21,228 0 0
INVESCO AC VAR ETF Equities 46090A879   12,385,824 492,674 SH   SOLE   489,157 0 3,517
ISHARES AAA-A RATED CORP BOND E Equities 46429B291   745,074 15,900 SH   SOLE   15,900 0 0
ISHARES AGENCY BOND ETF Equities 464288166   2,479,027 23,035 SH   SOLE   23,035 0 0
ISHARES CORE MSCI EMERG MARKTET Equities 46434G103   374,710 7,000 SH   DFND   7,000 0 0
ISHARES CORE S&P 500 ETF Equities 464287200   2,035,148 3,719 SH   SOLE   3,719 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   900,104 8,439 SH   DFND   8,439 0 0
ISHARES CORE S&P SMALL CAP ETF Equities 464287804   19,987,231 187,392 SH   SOLE   186,750 0 642
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   1,179,983 12,156 SH   DFND   12,156 0 0
ISHARES CORE U.S. AGGREGATE BO Equities 464287226   44,849,252 462,030 SH   SOLE   459,231 0 2,799
ISHARES GLBL MAT ETF Equities 464288695   251,042 2,956 SH   DFND   2,956 0 0
ISHARES GLBL MAT ETF Equities 464288695   8,662 102 SH   SOLE   102 0 0
ISHARES GLOBAL CONSUMER DISCR E Equities 464288745   230,673 1,434 SH   DFND   1,434 0 0
ISHARES GNMA BOND ETF Equities 46429B333   2,385,217 55,380 SH   SOLE   55,380 0 0
ISHARES MSCI EAFE Equities 464287465   68,147 870 SH   DFND   870 0 0
ISHARES MSCI EAFE Equities 464287465   1,068,108 13,636 SH   SOLE   13,636 0 0
ISHARES MSCI EMERG Equities 464287234   28,408 667 SH   DFND   667 0 0
ISHARES MSCI EMERG Equities 464287234   487,783 11,453 SH   SOLE   11,453 0 0
ISHARES RUSSELL 2000 Equities 464287655   196,398 968 SH   DFND   968 0 0
ISHARES RUSSELL 2000 Equities 464287655   1,499,763 7,392 SH   SOLE   7,392 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   231,813 2,505 SH   DFND   2,505 0 0
ISHARES S&P 500 GROWTH ETF Equities 464287309   131,499 1,421 SH   SOLE   1,421 0 0
ISHARES S&P GLO INDS Equities 464288729   300,575 2,225 SH   DFND   2,225 0 0
ISHARES S&P GLO INDS Equities 464288729   320,839 2,375 SH   SOLE   2,375 0 0
ISHARES S&P GLOB TECH SECTOR ID Equities 464287291   284,487 3,435 SH   DFND   3,435 0 0
ISHARES S&P GLOB TECH SECTOR ID Equities 464287291   452,197 5,460 SH   SOLE   5,460 0 0
ISHARES S&P GLOBAL FINANCIALS I Equities 464287333   296,054 3,480 SH   DFND   3,480 0 0
ISHARES SHORT-TERM CORPORATE BD Equities 464288646   367,903 7,180 SH   DFND   7,180 0 0
ISHARES TR MSCI Equities 464288257   610,894 5,435 SH   DFND   5,435 0 0
ISHARES TR MSCI Equities 464288257   870,201 7,742 SH   SOLE   7,742 0 0
ISHS INTL SEL DV ETF Equities 464288448   351,492 12,703 SH   DFND   12,703 0 0
ISHS INTL SEL DV ETF Equities 464288448   1,165,211 42,111 SH   SOLE   39,932 0 2,179
JOHNSON & JOHNSON Equities 478160104   882,514 6,038 SH   DFND   6,038 0 0
JOHNSON & JOHNSON Equities 478160104   595,017 4,071 SH   SOLE   4,056 0 15
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   497,781 10,563 SH   DFND   10,563 0 0
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852   4,045,681 85,850 SH   SOLE   85,850 0 0
JP MORGAN ULTRA SHORT INC ETF Equities 46641Q837   389,881 7,725 SH   DFND   7,725 0 0
JPMORGAN CHASE & CO Equities 46625H100   5,866 29 SH   DFND   29 0 0
JPMORGAN CHASE & CO Equities 46625H100   1,253,405 6,197 SH   SOLE   6,170 0 27
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   658,315 12,973 SH   DFND   12,973 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL Equities 46641Q654   8,856,221 174,524 SH   SOLE   174,524 0 0
KINDER MORGAN INC DEL COMMON Equities 49456B101   206,449 10,390 SH   SOLE   10,390 0 0
KROGER CO Equities 501044101   526,412 10,543 SH   SOLE   10,543 0 0
LILLY ELI & COMMON Equities 532457108   6,338 7 SH   DFND   7 0 0
LILLY ELI & COMMON Equities 532457108   1,546,389 1,708 SH   SOLE   1,700 0 8
LOWES COS INC COMMON Equities 548661107   22,046 100 SH   DFND   100 0 0
LOWES COS INC COMMON Equities 548661107   265,213 1,203 SH   SOLE   1,203 0 0
MARSH & MCLENNAN COS INC Equities 571748102   204,820 972 SH   SOLE   972 0 0
MASTERCARD CL A Equities 57636Q104   6,617 15 SH   DFND   15 0 0
MASTERCARD CL A Equities 57636Q104   692,180 1,569 SH   SOLE   1,569 0 0
MCDONALDS CORP COMMON Equities 580135101   273,443 1,073 SH   SOLE   1,073 0 0
MERCK & CO INC NEW Equities 58933Y105   752,085 6,075 SH   DFND   6,075 0 0
MERCK & CO INC NEW Equities 58933Y105   1,167,682 9,432 SH   SOLE   9,408 0 24
META PLATFORMS INC. Equities 30303M102   8,068 16 SH   DFND   16 0 0
META PLATFORMS INC. Equities 30303M102   1,293,829 2,566 SH   SOLE   2,553 0 13
METLIFE INC COMMON Equities 59156R108   215,904 3,076 SH   SOLE   3,076 0 0
MICROSOFT CORP Equities 594918104   59,891 134 SH   DFND   134 0 0
MICROSOFT CORP Equities 594918104   3,212,677 7,188 SH   SOLE   7,146 0 42
MOODYS CORP Equities 615369105   365,788 869 SH   SOLE   869 0 0
MORGAN STANLEY Equities 617446448   215,956 2,222 SH   SOLE   2,222 0 0
NETFLIX INC COMMON Equities 64110L106   346,888 514 SH   SOLE   514 0 0
NEXTERA ENERGY INC Equities 65339F101   281,116 3,970 SH   SOLE   3,970 0 0
NVIDIA CORP Equities 67066G104   22,237 180 SH   DFND   180 0 0
NVIDIA CORP Equities 67066G104   2,167,262 17,543 SH   SOLE   17,421 0 122
ORACLE CORP Equities 68389X105   141,200 1,000 SH   DFND   1,000 0 0
ORACLE CORP Equities 68389X105   406,656 2,880 SH   SOLE   2,880 0 0
PAYCHEX COMMON Equities 704326107   6,047 51 SH   DFND   51 0 0
PAYCHEX COMMON Equities 704326107   223,604 1,886 SH   SOLE   1,865 0 21
PEPSICO INC Equities 713448108   348,332 2,112 SH   SOLE   2,112 0 0
PFIZER INC Equities 717081103   110,241 3,940 SH   DFND   3,940 0 0
PFIZER INC Equities 717081103   122,385 4,374 SH   SOLE   4,283 0 91
PHILIP MORRIS INTL INC COMMON Equities 718172109   10,133 100 SH   DFND   100 0 0
PHILIP MORRIS INTL INC COMMON Equities 718172109   213,198 2,104 SH   SOLE   2,104 0 0
PROCTER & GAMBLE CO Equities 742718109   17,966,550 108,941 SH   SOLE   108,941 0 0
PRUDENTIAL FINL INC Equities 744320102   8,086 69 SH   DFND   69 0 0
PRUDENTIAL FINL INC Equities 744320102   316,647 2,702 SH   SOLE   2,645 0 57
QUALCOMM INC COMMON Equities 747525103   267,499 1,343 SH   SOLE   1,330 0 13
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   468,621 4,668 SH   DFND   4,668 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101   156,608 1,560 SH   SOLE   1,509 0 51
S&P GLOBAL INC COM Equities 78409V104   535,200 1,200 SH   DFND   1,200 0 0
S&P GLOBAL INC COM Equities 78409V104   208,282 467 SH   SOLE   467 0 0
SALESFORCE INC Equities 79466L302   8,227 32 SH   DFND   32 0 0
SALESFORCE INC Equities 79466L302   637,865 2,481 SH   SOLE   2,461 0 20
SCHWAB STRATEGIC US DIVIDEND EQ Equities 808524797   338,800 4,357 SH   SOLE   4,357 0 0
SPDR BARCLAYS SHORT TERM HIGH Y Equities 78468R408   208,150 8,336 SH   DFND   8,336 0 0
SPDR BARCLAYS SHORT TERM HIGH Y Equities 78468R408   1,812,722 72,596 SH   SOLE   68,944 0 3,652
SPDR GOLD TR GOLD SHS Equities 78463V107   107,505 500 SH   DFND   500 0 0
SPDR GOLD TR GOLD SHS Equities 78463V107   118,901 553 SH   SOLE   553 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   5,346,417 9,824 SH   DFND   9,824 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103   12,552,434 23,065 SH   SOLE   23,065 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   208,681 390 SH   DFND   390 0 0
SPDR S&P MIDCAP 400 ETF TR Equities 78467Y107   1,381,577 2,582 SH   SOLE   2,572 0 10
SPDR SER TR NUVEEN BLOOMBERG BA Equities 78468R739   859,896 18,222 SH   SOLE   18,222 0 0
STRYKER CORP Equities 863667101   208,573 613 SH   SOLE   613 0 0
SYNOPSYS INC Equities 871607107   237,429 399 SH   SOLE   399 0 0
TARGET CORP Equities 87612E106   649,451 4,387 SH   SOLE   4,387 0 0
TECH SELECT SEC SPDR Equities 81369Y803   226,230 1,000 SH   DFND   1,000 0 0
TECH SELECT SEC SPDR Equities 81369Y803   884,333 3,909 SH   SOLE   3,909 0 0
TESLA MTRS INC Equities 88160R101   5,541 28 SH   DFND   28 0 0
TESLA MTRS INC Equities 88160R101   501,626 2,535 SH   SOLE   2,524 0 11
THE HOME DEPOT INC Equities 437076102   9,983 29 SH   DFND   29 0 0
THE HOME DEPOT INC Equities 437076102   621,353 1,805 SH   SOLE   1,789 0 16
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   5,530 10 SH   DFND   10 0 0
THERMO FISHER SCIENTIFIC INC CO Equities 883556102   359,450 650 SH   SOLE   645 0 5
UNION PACIFIC CORP Equities 907818108   1,086,048 4,800 SH   DFND   4,800 0 0
UNION PACIFIC CORP Equities 907818108   211,101 933 SH   SOLE   919 0 14
UNITEDHEALTH GROUP INC Equities 91324P102   8,657 17 SH   DFND   17 0 0
UNITEDHEALTH GROUP INC Equities 91324P102   760,834 1,494 SH   SOLE   1,483 0 11
VANGUARD FTSE EMERGING MARKETS Equities 922042858   341,809 7,811 SH   DFND   7,811 0 0
VANGUARD FTSE EMERGING MARKETS Equities 922042858   6,697,774 153,057 SH   SOLE   152,839 0 218
VANGUARD IND FD MID-CAP ETF Equities 922908629   350,803 1,449 SH   SOLE   1,449 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   36,121 214 SH   DFND   214 0 0
VANGUARD INDEX FUNDS VANGUARD E Equities 922908652   608,488 3,605 SH   SOLE   3,605 0 0
VANGUARD INTM-TERM GOVT BOND FU Equities 92206C706   239,209 4,108 SH   SOLE   4,108 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   2,316,474 9,280 SH   DFND   9,280 0 0
VANGUARD LARGE-CAP ETF Equities 922908637   40,139,645 160,803 SH   SOLE   160,803 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   2,222,178 44,346 SH   DFND   44,346 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746   36,383,217 726,067 SH   SOLE   726,067 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   1,780,056 29,520 SH   DFND   29,520 0 0
VANGUARD STAR FUNDS VANGUARD TO Equities 921909768   42,344,168 702,225 SH   SOLE   702,225 0 0
VERIZON COMMUNICATIONS INC COMM Equities 92343V104   301,671 7,315 SH   SOLE   7,253 0 62
VISA COMMON CL A Equities 92826C839   12,599 48 SH   DFND   48 0 0
VISA COMMON CL A Equities 92826C839   801,058 3,052 SH   SOLE   3,030 0 22
WAL-MART STORES COMMON Equities 931142103   440,860 6,511 SH   SOLE   6,511 0 0
WELLS FARGO & CO Equities 949746101   391,677 6,595 SH   SOLE   6,595 0 0