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 1,696 10,318 SH   DFND 1 10,318 0 0
ALPHABET INC CAP STK CL A 02079K305 5,263 4,310 SH   DFND 1 4,310 0 0
AMAZON COM INC COM 023135106 8,784 5,060 SH   DFND 1 5,060 0 0
APPLE INC COM 037833100 9,541 42,600 SH   DFND 1 42,600 0 0
AT&T INC COM 00206R102 1,596 42,165 SH   DFND 1 42,165 0 0
AUTOZONE INC COM 053332102 2,540 2,342 SH   DFND 1 2,342 0 0
BANK AMER CORP COM 060505104 3,854 132,125 SH   DFND 1 132,125 0 0
BECTON DICKINSON & CO COM 075887109 4,543 17,958 SH   DFND 1 17,958 0 0
BLACKROCK INC COM 09247X101 3,194 7,168 SH   DFND 1 7,168 0 0
CHEVRON CORP NEW COM 166764100 4,512 38,042 SH   DFND 1 38,042 0 0
CITIGROUP INC COM NEW 172967424 2,360 34,165 SH   DFND 1 34,165 0 0
COCA COLA CO COM 191216100 4,724 86,766 SH   DFND 1 86,766 0 0
CORTEVA INC COM 22052L104 759 27,090 SH   DFND 1 27,090 0 0
CVS HEALTH CORP COM 126650100 1,282 20,333 SH   DFND 1 20,333 0 0
DISNEY WALT CO COM DISNEY 254687106 3,456 26,517 SH   DFND 1 26,517 0 0
DOLLAR GEN CORP NEW COM 256677105 2,457 15,460 SH   DFND 1 15,460 0 0
DUPONT DE NEMOURS INC COM 26614N102 720 10,090 SH   DFND 1 10,090 0 0
EATON CORP PLC SHS G29183103 1,597 19,208 SH   DFND 1 19,208 0 0
EMERSON ELEC CO COM 291011104 1,861 27,829 SH   DFND 1 27,829 0 0
EXXON MOBIL CORP COM 30231G102 2,489 35,257 SH   DFND 1 35,257 0 0
FACEBOOK INC CL A 30303M102 3,120 17,522 SH   DFND 1 17,522 0 0
FEDEX CORP COM 31428X106 1,364 9,370 SH   DFND 1 9,370 0 0
GILEAD SCIENCES INC COM 375558103 1,455 22,956 SH   DFND 1 22,956 0 0
HONEYWELL INTL INC COM 438516106 3,345 19,771 SH   DFND 1 19,771 0 0
INTUIT COM 461202103 4,485 16,866 SH   DFND 1 16,866 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 2,592 4,800 SH   DFND 1 4,800 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 98,936 524,000 SH   SOLE   524,000 0 0
ISHARES TR CORE S&P 500 ETF 464287200 1,294,636 4,336,847 SH   SOLE   4,336,847 0 0
ISHARES TR IBOXX INV CP ETF 464287242 481,670 3,778,400 SH   SOLE   3,778,400 0 0
ISHARES TR RUS 1000 ETF 464287622 459,889 2,795,000 SH   SOLE   2,795,000 0 0
JOHNSON & JOHNSON COM 478160104 2,199 17,000 SH   DFND 1 17,000 0 0
JPMORGAN CHASE & CO COM 46625H100 5,635 47,881 SH   DFND 1 47,881 0 0
KINDER MORGAN INC DEL COM 49456B101 721 35,000 SH   DFND 1 35,000 0 0
LINDE PLC SHS G5494J103 1,615 8,339 SH   DFND 1 8,339 0 0
MASTERCARD INC CL A 57636Q104 5,995 22,075 SH   DFND 1 22,075 0 0
MEDTRONIC PLC SHS G5960L103 869 8,000 SH   DFND 1 8,000 0 0
MERCK & CO INC COM 58933Y105 3,778 44,882 SH   DFND 1 44,882 0 0
MICROSOFT CORP COM 594918104 10,552 75,897 SH   DFND 1 75,897 0 0
NETFLIX INC COM 64110L106 1,187 4,434 SH   DFND 1 4,434 0 0
NIKE INC CL B 654106103 3,794 40,400 SH   DFND 1 40,400 0 0
NORFOLK SOUTHERN CORP COM 655844108 1,683 9,370 SH   DFND 1 9,370 0 0
PAYPAL HLDGS INC COM 70450Y103 2,351 22,700 SH   DFND 1 22,700 0 0
PEPSICO INC COM 713448108 3,379 24,643 SH   DFND 1 24,643 0 0
PFIZER INC COM 717081103 1,581 44,000 SH   DFND 1 44,000 0 0
PIONEER NAT RES CO COM 723787107 1,296 10,307 SH   DFND 1 10,307 0 0
PROCTER & GAMBLE CO COM 742718109 2,785 22,394 SH   DFND 1 22,394 0 0
S&P GLOBAL INC COM 78409V104 1,715 7,000 SH   DFND 1 7,000 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 522,399 7,365,000 SH   SOLE   7,365,000 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 100,667 1,639,000 SH   SOLE   1,639,000 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 101,512 1,568,000 SH   SOLE   1,568,000 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 8,263 127,634 SH   DFND 1 127,634 0 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 3,041 77,302 SH   DFND 1 77,302 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,361,531 4,587,832 SH   SOLE   4,587,832 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 4,530 15,554 SH   DFND 1 15,554 0 0
TRAVELERS COMPANIES INC COM 89417E109 4,361 29,328 SH   DFND 1 29,328 0 0
UNITED TECHNOLOGIES CORP COM 913017109 2,303 16,866 SH   DFND 1 16,866 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,432,963 5,256,650 SH   SOLE   5,256,650 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 1,444,825 10,598,000 SH   SOLE   10,598,000 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 346,394 2,294,000 SH   SOLE   2,294,000 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 94,764 1,068,000 SH   SOLE   1,068,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,875 47,637 SH   DFND 1 47,637 0 0
VISA INC COM CL A 92826C839 6,588 38,301 SH   DFND 1 38,301 0 0
WALMART INC COM 931142103 3,280 27,641 SH   DFND 1 27,641 0 0