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 COM 88579Y101 2,274 13,118 SH   DFND 1 13,118 0 0
ALPHABET INC CAP STK CL A 02079K305 4,667 4,310 SH   DFND 1 4,310 0 0
AMAZON COM INC COM 023135106 9,582 5,060 SH   DFND 1 5,060 0 0
APPLE INC COM 037833100 8,431 42,600 SH   DFND 1 42,600 0 0
AT&T INC COM 00206R102 1,413 42,165 SH   DFND 1 42,165 0 0
AUTOZONE INC COM 053332102 2,575 2,342 SH   DFND 1 2,342 0 0
BANK AMER CORP COM 060505104 3,832 132,125 SH   DFND 1 132,125 0 0
BECTON DICKINSON & CO COM 075887109 4,526 17,958 SH   DFND 1 17,958 0 0
BLACKROCK INC COM 09247X101 3,364 7,168 SH   DFND 1 7,168 0 0
CHEVRON CORP NEW COM 166764100 4,734 38,042 SH   DFND 1 38,042 0 0
CITIGROUP INC COM NEW 172967424 2,393 34,165 SH   DFND 1 34,165 0 0
COCA COLA CO COM 191216100 4,418 86,766 SH   DFND 1 86,766 0 0
CORTEVA INC COM 22052L104 298 10,090 SH   DFND 1 10,090 0 0
CVS HEALTH CORP COM 126650100 1,108 20,333 SH   DFND 1 20,333 0 0
DISNEY WALT CO COM DISNEY 254687106 3,703 26,517 SH   DFND 1 26,517 0 0
DOLLAR GEN CORP NEW COM 256677105 2,090 15,460 SH   DFND 1 15,460 0 0
DOW INC COM 260557103 498 10,090 SH   DFND 1 10,090 0 0
DUPONT DE NEMOURS INC COM 26614N102 757 10,090 SH   DFND 1 10,090 0 0
EATON CORP PLC SHS G29183103 1,600 19,208 SH   DFND 1 19,208 0 0
EMERSON ELEC CO COM 291011104 1,857 27,829 SH   DFND 1 27,829 0 0
EXXON MOBIL CORP COM 30231G102 3,468 45,257 SH   DFND 1 45,257 0 0
FACEBOOK INC CL A 30303M102 3,382 17,522 SH   DFND 1 17,522 0 0
FEDEX CORP COM 31428X106 1,538 9,370 SH   DFND 1 9,370 0 0
GILEAD SCIENCES INC COM 375558103 1,551 22,956 SH   DFND 1 22,956 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,745 8,527 SH   DFND 1 8,527 0 0
HONEYWELL INTL INC COM 438516106 3,452 19,771 SH   DFND 1 19,771 0 0
INTUIT COM 461202103 4,408 16,866 SH   DFND 1 16,866 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 839 1,600 SH   DFND 1 1,600 0 0
INVESCO QQQ TR UNIT SER 1 46090E903 97,852 524,000 SH   SOLE   524,000 0 0
ISHARES TR CORE S&P 500 ETF 464287200 1,278,286 4,336,847 SH   SOLE   4,336,847 0 0
ISHARES TR IBOXX INV CP ETF 464287242 469,920 3,778,400 SH   SOLE   3,778,400 0 0
ISHARES TR RUS 1000 ETF 464287622 454,998 2,795,000 SH   SOLE   2,795,000 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 271,348 1,745,000 SH   SOLE   1,745,000 0 0
JOHNSON & JOHNSON COM 478160104 4,163 29,890 SH   DFND 1 29,890 0 0
JPMORGAN CHASE & CO COM 46625H100 5,353 47,881 SH   DFND 1 47,881 0 0
LINDE PLC SHS G5494J103 1,674 8,339 SH   DFND 1 8,339 0 0
MASTERCARD INC CL A 57636Q104 5,839 22,075 SH   DFND 1 22,075 0 0
MEDTRONIC PLC SHS G5960L103 779 8,000 SH   DFND 1 8,000 0 0
MERCK & CO INC COM 58933Y105 3,763 44,882 SH   DFND 1 44,882 0 0
MICROSOFT CORP COM 594918104 10,167 75,897 SH   DFND 1 75,897 0 0
NETFLIX INC COM 64110L106 2,547 6,934 SH   DFND 1 6,934 0 0
NIKE INC CL B 654106103 3,894 46,381 SH   DFND 1 46,381 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,868 9,370 SH   DFND 1 9,370 0 0
PAYPAL HLDGS INC COM 70450Y103 2,598 22,700 SH   DFND 1 22,700 0 0
PEPSICO INC COM 713448108 3,231 24,643 SH   DFND 1 24,643 0 0
PFIZER INC COM 717081103 1,906 44,000 SH   DFND 1 44,000 0 0
PIONEER NAT RES CO COM 723787107 1,586 10,307 SH   DFND 1 10,307 0 0
PROCTER AND GAMBLE CO COM 742718109 2,456 22,394 SH   DFND 1 22,394 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 132,799 1,892,000 SH   SOLE   1,892,000 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 95,177 1,639,000 SH   SOLE   1,639,000 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 93,500 1,568,000 SH   SOLE   1,568,000 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 6,621 111,034 SH   DFND 1 111,034 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 2,842 77,302 SH   DFND 1 77,302 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,890,680 6,452,832 SH   SOLE   6,452,832 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 4,568 15,554 SH   DFND 1 15,554 0 0
TRAVELERS COMPANIES INC COM 89417E109 4,385 29,328 SH   DFND 1 29,328 0 0
UNITED TECHNOLOGIES CORP COM 913017109 2,196 16,866 SH   DFND 1 16,866 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,510,376 5,611,650 SH   SOLE   5,611,650 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,427,763 10,598,000 SH   SOLE   10,598,000 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 93,322 1,068,000 SH   SOLE   1,068,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,093 36,637 SH   DFND 1 36,637 0 0
VISA INC COM CL A 92826C839 6,647 38,301 SH   DFND 1 38,301 0 0
WALMART INC COM 931142103 3,054 27,641 SH   DFND 1 27,641 0 0