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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
22nd Century Group Inc COM 90137F103   97,589 255,000 SH   DFND   255,000 0 0
3M Co COM 88579Y101   4,877,786 48,734 SH   DFND   48,354 0 380
ADVANCED MICRO DEV COM 007903107   577,296 5,068 SH   DFND   5,068 0 0
ALBEMARLE CORP COM 012653101   540,101 2,421 SH   DFND   2,419 0 2
ALPHABET INC CAP STK CL A 02079K305   11,881,302 99,259 SH   DFND   97,885 0 1,374
ALTRIA GROUP INC COM 02209S103   270,441 5,970 SH   DFND   5,970 0 0
AMER EXPRESS CO COM 025816109   385,331 2,212 SH   DFND   1,912 0 300
AMETEK Inc COM 031100100   1,380,999 8,531 SH   DFND   8,111 0 420
ANALOG DEVICES INC COM 032654105   283,254 1,454 SH   DFND   1,109 0 345
APPLIED MATERIALS COM 038222105   842,523 5,829 SH   DFND   4,629 0 1,200
ARISTA NETWORKS INC COM 040413106   1,498,569 9,247 SH   DFND   9,247 0 0
ASML HOLDING NV N Y REGISTRY SHS N07059210   3,312,108 4,570 SH   DFND   4,570 0 0
AT&T INC COM 00206R102   1,344,441 84,291 SH   DFND   81,837 0 2,454
AUTOMATIC DATA PROCESSING COM 053015103   11,997,457 54,586 SH   DFND   52,590 0 1,996
AUTOZONE INC COM 053332102   2,017,129 809 SH   DFND   809 0 0
AbbVie Inc COM 00287Y109   10,838,355 80,445 SH   DFND   77,045 0 3,400
Abbott Laboratories COM 002824100   15,916,266 145,994 SH   DFND   142,257 0 3,737
Accenture PLC SHS CLASS A G1151C101   4,786,693 15,512 SH   DFND   15,268 0 244
Adobe Inc COM 00724F101   4,371,082 8,939 SH   DFND   8,708 0 231
Aflac Inc COM 001055102   244,858 3,508 SH   DFND   2,658 0 850
Air Products and Chemicals Inc COM 009158106   7,555,944 25,226 SH   DFND   23,285 0 1,941
Akamai Technologies Inc COM 00971T101   1,102,255 12,265 SH   DFND   12,251 0 14
Alphabet Inc CAP STK CL C 02079K107   3,687,649 30,484 SH   DFND   29,084 0 1,400
Amazon.com Inc COM 023135106   10,897,183 83,593 SH   DFND   82,865 0 728
American Tower Corp COM 03027X100   4,002,146 20,636 SH   DFND   20,086 0 550
American Water Works Co Inc COM 030420103   804,111 5,633 SH   DFND   5,533 0 100
Amgen Inc COM 031162100   657,402 2,961 SH   DFND   2,761 0 200
Amphenol Corp CL A 032095101   2,817,536 33,167 SH   DFND   32,843 0 324
Aon PLC SHS CL A G0403H108   1,236,506 3,582 SH   DFND   3,582 0 0
Apple Inc COM 037833100   54,705,553 282,031 SH   DFND   269,389 0 12,642
AvalonBay Communities Inc COM 053484101   2,434,201 12,861 SH   DFND   12,686 0 175
BAKER HUGHES INC CL A 05722G100   4,895,346 154,867 SH   DFND   153,315 0 1,552
BALL CORP COM 058498106   3,971,377 68,225 SH   DFND   68,025 0 200
BARRICK GOLD CORP COM 067901108   8,018,674 473,637 SH   DFND   470,637 0 3,000
BECTON DICKINSON COM 075887109   2,222,964 8,420 SH   DFND   8,420 0 0
BK OF AMERICA CORP COM 060505104   3,270,143 113,982 SH   DFND   113,913 0 69
BOEING CO COM 097023105   336,167 1,592 SH   DFND   1,356 0 236
BP PLC SPONSORED ADR 055622104   332,714 9,428 SH   DFND   8,986 0 442
BRISTOL-MYRS SQUIB COM 110122108   2,373,760 37,119 SH   DFND   35,219 0 1,900
Bar Harbor Bankshares COM 066849100   11,677,463 473,923 SH   DFND   14,400 0 459,523
Berkshire Hathaway Inc CL B NEW 084670702   13,582,712 39,832 SH   DFND   39,065 0 767
BlackRock Fund Advisors CORE S&P TTL STK 464287150   5,294,220 54,111 SH   DFND   54,111 0 0
BlackRock Fund Advisors RUS MID CAP ETF 464287499   470,240 6,439 SH   DFND   6,439 0 0
BlackRock Fund Advisors CORE S&P MCP ETF 464287507   22,836,356 87,335 SH   DFND   86,930 0 405
BlackRock Fund Advisors S&P MC 400GR ETF 464287606   448,575 5,981 SH   DFND   5,801 0 180
BlackRock Fund Advisors RUS 1000 ETF 464287622   200,354 822 SH   DFND   822 0 0
BlackRock Fund Advisors S&P MC 400VL ETF 464287705   262,361 2,449 SH   DFND   2,339 0 110
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   20,395,764 204,674 SH   DFND   202,574 0 2,100
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638   21,816,657 431,415 SH   DFND   426,414 0 5,001
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   21,590,258 430,342 SH   DFND   427,601 0 2,741
BlackRock Fund Advisors PFD AND INCM SEC 464288687   687,822 22,238 SH   DFND   20,738 0 1,500
BlackRock Funds/Closed-End/USA COM 09253X102   155,870 13,625 SH   DFND   0 0 13,625
BlackRock Funds/Closed-end/USA COM 09254F100   142,369 12,305 SH   DFND   0 0 12,305
BlackRock Inc COM 09247X101   729,153 1,055 SH   DFND   1,055 0 0
Blackstone Inc COM 09260D107   455,739 4,902 SH   DFND   4,902 0 0
Booking Holdings Inc COM 09857L108   2,198,069 814 SH   DFND   814 0 0
Booz Allen Hamilton Holding Co CL A 099502106   8,860,259 79,393 SH   DFND   78,918 0 475
Broadcom Inc COM 11135F101   542,144 625 SH   DFND   155 0 470
Brookfield Renewable Partners CL A SUB VTG 11284V105   988,342 31,356 SH   DFND   29,856 0 1,500
Brown & Brown Inc COM 115236101   11,108,986 161,374 SH   DFND   160,324 0 1,050
CARRIER GLOBAL CORP COM 14448C104   464,490 9,344 SH   DFND   5,850 0 3,494
CDW Corp/DE COM 12514G108   827,035 4,507 SH   DFND   4,507 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   508,340 7,000 SH   DFND   7,000 0 0
CHUBB LIMITED COM COM H1467J104   4,247,488 22,058 SH   DFND   20,561 0 1,497
CINTAS CORP COM 172908105   866,411 1,743 SH   DFND   1,743 0 0
CISCO SYSTEMS COM 17275R102   4,953,071 95,730 SH   DFND   95,060 0 670
COGNIZANT TECHNOLO CL A 192446102   255,376 3,912 SH   DFND   3,912 0 0
COLGATE-PALMOLIVE COM 194162103   11,460,316 148,758 SH   DFND   148,758 0 0
CONOCOPHILLIPS COM 20825C104   434,851 4,197 SH   DFND   3,053 0 1,144
CORNING INC COM 219350105   2,058,495 58,747 SH   DFND   56,991 0 1,756
CSX CORP COM 126408103   2,687,694 78,818 SH   DFND   66,818 0 12,000
CVS Health Corp COM 126650100   503,543 7,284 SH   DFND   7,284 0 0
Capri Holdings Ltd SHS G1890L107   743,318 20,711 SH   DFND   20,711 0 0
Caterpillar Inc COM 149123101   12,834,214 52,161 SH   DFND   52,161 0 0
Chevron Corp COM 166764100   16,781,850 106,653 SH   DFND   105,449 0 1,204
Church & Dwight Co Inc COM 171340102   227,021 2,265 SH   DFND   2,265 0 0
Clorox Co/The COM 189054109   364,997 2,295 SH   DFND   2,295 0 0
Coca-Cola Co/The COM 191216100   3,888,044 64,564 SH   DFND   63,604 0 960
Comcast Corp CL A 20030N101   3,423,055 82,384 SH   DFND   80,216 0 2,168
Consolidated Edison Inc COM 209115104   380,945 4,214 SH   DFND   4,114 0 100
Costco Wholesale Corp COM 22160K105   20,588,189 38,241 SH   DFND   38,063 0 178
DEERE & CO COM 244199105   711,514 1,756 SH   DFND   1,706 0 50
DIAGEO SPON ADR NEW 25243Q205   217,717 1,255 SH   DFND   700 0 555
DOMINION RES(VIR) COM 25746U109   2,916,191 56,308 SH   DFND   55,264 0 1,044
DTE Energy Co COM 233331107   218,830 1,989 SH   DFND   1,849 0 140
DUKE ENERGY CORP COM NEW 26441C204   292,911 3,264 SH   DFND   3,264 0 0
Danaher Corp COM 235851102   7,221,360 30,089 SH   DFND   29,673 0 416
Dollar Tree Inc COM 256746108   1,533,155 10,684 SH   DFND   10,673 0 11
Dover Corp COM 260003108   624,855 4,232 SH   DFND   3,952 0 280
Dow Inc COM 260557103   1,019,822 19,148 SH   DFND   18,162 0 986
Dreyfus Funds/Closed-end/USA COM SHS 09662W109   219,708 20,400 SH   DFND   0 0 20,400
DuPont de Nemours Inc COM 26614N102   970,727 13,588 SH   DFND   12,602 0 986
ECOLAB INC COM 278865100   790,259 4,233 SH   DFND   4,233 0 0
EMERSON ELECTRIC COM 291011104   6,216,211 68,771 SH   DFND   68,771 0 0
EQUITY COMMONWEALTH 6.5% CNV PFD D 294628201   5,296,510 208,524 SH   DFND   204,774 0 3,750
Eaton Corp PLC SHS G29183103   2,258,554 11,231 SH   DFND   11,221 0 10
Eaton Vance Management SH BEN INT 27826U108   133,459 13,413 SH   DFND   0 0 13,413
Eaton Vance Management COM 27828N102   135,814 10,900 SH   DFND   10,900 0 0
Eaton Vance Management COM 27829F108   170,438 21,520 SH   DFND   21,520 0 0
Elevance Health Inc COM 036752103   275,460 620 SH   DFND   620 0 0
Eli Lilly & Co COM 532457108   37,757,580 80,510 SH   DFND   80,115 0 395
Essential Utilities Inc COM 29670G102   218,787 5,482 SH   DFND   5,482 0 0
Eversource Energy COM 30040W108   331,267 4,671 SH   DFND   4,671 0 0
Exxon Mobil Corp COM 30231G102   19,339,106 180,318 SH   DFND   170,660 0 9,658
FEDEX CORP COM 31428X106   3,665,201 14,785 SH   DFND   14,776 0 9
FMC Corp COM NEW 302491303   452,001 4,332 SH   DFND   4,332 0 0
First Bancorp Inc/The COM 31866P102   252,722 10,383 SH   DFND   10,383 0 0
GE HealthCare Technologies Inc COMMON STOCK 36266G107   1,595,391 19,638 SH   DFND   19,442 0 196
GENERAL MILLS INC COM 370334104   1,657,103 21,605 SH   DFND   20,325 0 1,280
GSK PLC SPONSORED ADR 37733W204   2,391,159 67,092 SH   DFND   67,092 0 0
General Electric Co COM NEW 369604301   358,440 3,263 SH   DFND   2,675 0 588
Genuine Parts Co COM 372460105   938,380 5,545 SH   DFND   5,545 0 0
Gilead Sciences Inc COM 375558103   329,320 4,273 SH   DFND   3,773 0 500
Grupo Aeroportuario del Surest SPON ADR SER B 40051E202   8,490,094 30,574 SH   DFND   30,574 0 0
Harbor ETF Trust SCIENTIFIC HIGH 41151J109   212,057 4,876 SH   DFND   1,472 0 3,404
Hewlett Packard Enterprise Co COM 42824C109   170,470 10,147 SH   DFND   10,147 0 0
Home Depot Inc/The COM 437076102   8,276,071 26,642 SH   DFND   26,053 0 589
Honeywell International Inc COM 438516106   1,241,681 5,984 SH   DFND   5,184 0 800
ILLINOIS TOOL WKS COM 452308109   1,273,815 5,092 SH   DFND   5,092 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   3,740,347 33,077 SH   DFND   32,550 0 527
INTL BUSINESS MCHN COM 459200101   7,883,550 58,916 SH   DFND   57,056 0 1,860
ISHARES MSCI STH AFR ETF 464286780   639,066 16,065 SH   DFND   16,065 0 0
ISHARES SELECT DIVID ETF 464287168   836,947 7,387 SH   DFND   7,387 0 0
ISHARES CHINA LG-CAP ETF 464287184   981,396 36,094 SH   DFND   36,094 0 0
ISHARES CORE S&P500 ETF 464287200   43,716,128 98,082 SH   DFND   97,500 0 582
ISHARES IBOXX INV CP ETF 464287242   8,236,159 76,162 SH   DFND   75,596 0 566
ISHARES S&P 500 GRWT ETF 464287309   670,546 9,514 SH   DFND   8,938 0 576
ISHARES ISHARES BIOTECH 464287556   1,897,925 14,949 SH   DFND   14,880 0 69
ISHARES RUSSELL 2000 ETF 464287655   552,260 2,949 SH   DFND   2,949 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,252,944 31,672 SH   DFND   30,922 0 750
ISHARES TRUST TIPS BD ETF 464287176   3,777,247 35,098 SH   DFND   34,863 0 235
ISHARES TRUST 1 3 YR TREAS BD 464287457   295,699 3,647 SH   DFND   3,647 0 0
ISHARES TRUST GLOBAL 100 ETF 464287572   271,534 3,570 SH   DFND   3,570 0 0
ISHARES TRUST IBOXX HI YD ETF 464288513   1,175,971 15,665 SH   DFND   15,665 0 0
ISHARES/USA S&P SML 600 GWT 464287887   236,411 2,057 SH   DFND   2,057 0 0
Intel Corp COM 458140100   2,833,004 84,719 SH   DFND   83,119 0 1,600
Invesco Capital Management LLC UNIT SER 1 46090E103   12,737,971 34,481 SH   DFND   34,481 0 0
JPMorgan Chase & Co COM 46625H100   12,781,704 87,883 SH   DFND   87,168 0 715
Johnson & Johnson COM 478160104   40,951,799 247,413 SH   DFND   240,039 0 7,374
KELLOGG CO COM 487836108   1,316,929 19,539 SH   DFND   18,739 0 800
KIMBERLY-CLARK CP COM 494368103   1,387,227 10,048 SH   DFND   10,048 0 0
KLA Corp COM NEW 482480100   232,810 480 SH   DFND   480 0 0
KRAFT FOODS INC CL A 609207105   374,839 5,139 SH   DFND   5,139 0 0
Kinder Morgan Inc COM 49456B101   3,168,945 184,027 SH   DFND   183,326 0 701
L3Harris Technologies Inc COM 502431109   3,872,722 19,782 SH   DFND   19,755 0 27
LEGG MASON PARTNERS FUND ADVISOR LLC COM 95766M105   187,895 18,922 SH   DFND   0 0 18,922
LOWE'S COS INC COM 548661107   2,452,231 10,865 SH   DFND   10,645 0 220
Lam Research Corp COM 512807108   3,792,874 5,900 SH   DFND   5,895 0 5
Linde PLC None G54950103   1,559,761 4,093 SH   DFND   3,978 0 115
Lockheed Martin Corp COM 539830109   967,719 2,102 SH   DFND   2,102 0 0
M&T Bank Corp COM 55261F104   297,519 2,404 SH   DFND   2,345 0 59
MARSH & MCLENNAN COM 571748102   886,985 4,716 SH   DFND   4,592 0 124
MASTERCARD INC CL A 57636Q104   7,557,653 19,216 SH   DFND   19,120 0 96
MCDONALD'S CORP COM 580135101   5,515,512 18,483 SH   DFND   16,393 0 2,090
MICROSOFT CORP COM 594918104   29,881,023 87,746 SH   DFND   83,144 0 4,602
MOODYS CORP COM 615369105   517,407 1,488 SH   DFND   1,488 0 0
Marathon Petroleum Corp COM 56585A102   596,059 5,112 SH   DFND   5,112 0 0
Medtronic PLC SHS G5960L103   7,740,113 87,856 SH   DFND   87,856 0 0
Merck & Co Inc COM 58933Y105   15,989,938 138,573 SH   DFND   136,368 0 2,205
Microchip Technology Inc COM 595017104   215,016 2,400 SH   DFND   200 0 2,200
NEXTERA ENERGY COM 65339F101   8,336,592 112,353 SH   DFND   108,568 0 3,785
NIKE INC CL B 654106103   5,448,636 49,367 SH   DFND   48,830 0 537
NVIDIA Corp COM 67066G104   1,621,013 3,832 SH   DFND   3,832 0 0
Nelnet Inc CL A 64031N108   9,894,603 102,556 SH   DFND   102,156 0 400
Neuberger Berman Funds/Closed- COM 64124P101   204,212 19,865 SH   DFND   630 0 19,235
Norfolk Southern Corp COM 655844108   1,749,680 7,716 SH   DFND   7,516 0 200
Novartis AG SPONSORED ADR 66987V109   323,619 3,207 SH   DFND   2,807 0 400
Novo Holdings A/S ADR 670100205   24,143,256 149,189 SH   DFND   146,846 0 2,343
Nuveen Closed-End Funds/USA COM 670657105   193,581 17,711 SH   DFND   3,014 0 14,697
Nuveen Closed-End Funds/USA COM 67066V101   146,792 13,025 SH   DFND   2,550 0 10,475
Nuveen Closed-End Funds/USA COM 670928100   8,186,474 940,974 SH   DFND   921,974 0 19,000
OGE Energy Corp COM 670837103   492,110 13,704 SH   DFND   13,704 0 0
ON Semiconductor Corp COM 682189105   3,052,191 32,271 SH   DFND   32,222 0 49
ORACLE CORP COM 68389X105   694,771 5,834 SH   DFND   5,064 0 770
Otis Worldwide Corp COM 68902V107   426,002 4,786 SH   DFND   3,040 0 1,746
PACCAR INC COM 693718108   9,601,096 114,777 SH   DFND   114,080 0 697
PARKER-HANNIFIN COM 701094104   8,114,782 20,805 SH   DFND   20,705 0 100
PEPSICO INC COM 713448108   11,601,255 62,635 SH   DFND   58,156 0 4,479
PHILIP MORRIS INTL COM 718172109   627,599 6,429 SH   DFND   6,429 0 0
PNC Financial Services Group I COM 693475105   360,721 2,864 SH   DFND   2,864 0 0
Paychex Inc COM 704326107   266,698 2,384 SH   DFND   2,384 0 0
Perrigo Co PLC SHS G97822103   6,788,303 199,950 SH   DFND   198,600 0 1,350
Pfizer Inc COM 717081103   9,541,788 260,136 SH   DFND   247,722 0 12,414
Pfizer Inc CL A 98978V103   252,115 1,464 SH   DFND   1,464 0 0
Phillips 66 COM 718546104   529,454 5,551 SH   DFND   4,999 0 552
Procter & Gamble Co/The COM 742718109   13,726,704 90,462 SH   DFND   84,270 0 6,192
PureCycle Technologies Inc COM 74623V103   128,280 12,000 SH   DFND   12,000 0 0
QUALCOMM Inc COM 747525103   2,423,178 20,356 SH   DFND   19,321 0 1,035
ROCKWELL AUTOMATION COM 773903109   1,786,937 5,424 SH   DFND   4,874 0 550
ROPER INDUSTRIES INC COM 776696106   949,099 1,974 SH   DFND   1,825 0 149
Raytheon Technologies Corp COM 75513E101   2,149,046 21,938 SH   DFND   17,986 0 3,952
S&P Global Inc COM 78409V104   758,484 1,892 SH   DFND   1,892 0 0
SALESFORCE.COM INC COM 79466L302   1,777,330 8,413 SH   DFND   8,408 0 5
SANDSTORM GOLD LTD COM NEW 80013R206   5,927,055 1,157,628 SH   DFND   1,139,608 0 18,020
SELECT SECTOR SPDR SBI MATERIALS 81369Y100   2,264,423 27,325 SH   DFND   27,287 0 38
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   20,504,529 154,483 SH   DFND   154,292 0 191
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308   12,495,939 168,477 SH   DFND   168,354 0 123
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407   22,391,656 131,863 SH   DFND   131,714 0 149
SELECT SECTOR SPDR ENERGY 81369Y506   6,899,044 84,995 SH   DFND   84,935 0 60
SELECT SECTOR SPDR FINANCIAL 81369Y605   14,366,157 426,169 SH   DFND   425,263 0 906
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   84,273,071 484,718 SH   DFND   484,214 0 504
SELECT SECTOR SPDR SBI INT-UTILS 81369Y886   2,509,559 38,349 SH   DFND   38,291 0 58
SSGA Funds Management Inc S&P DIVID ETF 78464A763   1,350,586 11,018 SH   DFND   10,664 0 354
SSgA Funds Management Inc TR UNIT 78462F103   4,069,310 9,180 SH   DFND   9,180 0 0
SSgA Funds Management Inc COMMUNICATION 81369Y852   4,627,709 71,108 SH   DFND   70,955 0 153
STARBUCKS CORP COM 855244109   2,648,171 26,733 SH   DFND   26,714 0 19
STATE STREET ETF/USA NUVEEN BLOOMBERG 78464A284   381,352 15,248 SH   DFND   0 0 15,248
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107   473,163 988 SH   DFND   988 0 0
Schlumberger NV COM STK 806857108   463,497 9,436 SH   DFND   8,936 0 500
Sealed Air Corp COM 81211K100   322,120 8,053 SH   DFND   8,053 0 0
Southern Co/The COM 842587107   474,328 6,752 SH   DFND   6,552 0 200
State Street Global Advisors Inc SBI INT-INDS 81369Y704   16,661,322 155,249 SH   DFND   155,167 0 82
State Street Global Advisors Inc RL EST SEL SEC 81369Y860   2,489,990 66,065 SH   DFND   65,971 0 94
Synopsys Inc COM 871607107   636,569 1,462 SH   DFND   1,420 0 42
Sysco Corp COM 871829107   9,439,205 127,213 SH   DFND   125,853 0 1,360
TEXAS INSTRUMENTS COM 882508104   1,560,773 8,670 SH   DFND   8,610 0 60
TJX Cos Inc/The COM 872540109   7,933,461 93,566 SH   DFND   92,716 0 850
TRACTOR SUPPLY CO COM 892356106   1,476,506 6,678 SH   DFND   6,643 0 35
TRAVELERS CO INC COM 89417E109   289,318 1,666 SH   DFND   1,666 0 0
Target Corp COM 87612E106   764,228 5,794 SH   DFND   5,732 0 62
Tesla Inc COM 88160R101   238,473 911 SH   DFND   911 0 0
Texas Pacific Land Corp COM 88262P102   9,699,972 7,368 SH   DFND   7,323 0 45
Thermo Fisher Scientific Inc COM 883556102   5,105,324 9,785 SH   DFND   9,578 0 207
Timken Co/The COM 887389104   3,286,293 35,904 SH   DFND   35,904 0 0
UTD PARCEL SERV CL B 911312106   15,588,835 86,967 SH   DFND   86,617 0 350
Ulta Beauty Inc COM 90384S303   741,188 1,575 SH   DFND   1,575 0 0
Unilever PLC SPON ADR NEW 904767704   2,534,300 48,615 SH   DFND   48,575 0 40
Union Pacific Corp COM 907818108   1,451,779 7,095 SH   DFND   6,550 0 545
UnitedHealth Group Inc COM 91324P102   6,026,264 12,538 SH   DFND   12,426 0 112
VANGUARD S&P 500 ETF SHS 922908363   633,321 1,555 SH   DFND   1,555 0 0
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   6,015,758 147,880 SH   DFND   144,732 0 3,148
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409   4,186,116 55,328 SH   DFND   55,328 0 0
VANGUARD ETF/USA TOTAL STK MKT 922908769   407,077 1,848 SH   DFND   1,848 0 0
VERIZON COMMUN COM 92343V104   5,715,211 153,676 SH   DFND   149,304 0 4,372
VISA INC COM CL A 92826C839   3,224,978 13,580 SH   DFND   13,540 0 40
Valero Energy Corp COM 91913Y100   1,603,256 13,668 SH   DFND   13,668 0 0
Van Kampen Funds/Closed-end/US COM 46132C107   187,261 19,795 SH   DFND   0 0 19,795
Van Kampen Funds/Closed-end/US COM 46133G107   127,607 13,348 SH   DFND   0 0 13,348
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   17,431,981 377,479 SH   DFND   376,685 0 794
Vanguard ETF/USA REAL ESTATE ETF 922908553   271,654 3,251 SH   DFND   3,251 0 0
Vanguard ETF/USA MID CAP ETF 922908629   2,786,786 12,658 SH   DFND   12,658 0 0
Vanguard ETF/USA SMALL CP ETF 922908751   296,744 1,492 SH   DFND   1,492 0 0
Vulcan Materials Co COM 929160109   211,688 939 SH   DFND   439 0 500
WASTE MANAGEMENT COM 94106L109   4,736,447 27,312 SH   DFND   27,299 0 13
WISDOMTREE ASSET MANAGEMENT INC US LARGECAP FUND 97717W588   468,735 10,035 SH   DFND   10,035 0 0
WW Grainger Inc COM 384802104   253,926 322 SH   DFND   322 0 0
Walgreens Boots Alliance Inc COM 931427108   2,504,641 87,913 SH   DFND   87,913 0 0
Walmart Inc COM 931142103   8,774,574 55,825 SH   DFND   55,716 0 109
Walt Disney Co/The COM 254687106   3,625,839 40,612 SH   DFND   38,916 0 1,696
Western Asset Trust Closed End COM 95766P108   227,071 19,405 SH   DFND   0 0 19,405
Western Asset Trust Closed End COM 958435109   115,138 15,110 SH   DFND   0 0 15,110
Xcel Energy Inc COM 98389B100   383,402 6,167 SH   DFND   6,167 0 0
YUM BRANDS INC COM 988498101   716,304 5,170 SH   DFND   5,170 0 0
Yum China Holdings Inc COM 98850P109   208,146 3,684 SH   DFND   3,684 0 0
ZIMMER HLDGS INC COM 98956P102   4,519,424 31,040 SH   DFND   31,024 0 16
iShares ETFs/USA CORE US AGGBD ET 464287226   44,023,137 449,445 SH   DFND   445,524 0 3,921
iShares ETFs/USA 7-10 YR TRSY BD 464287440   215,321 2,229 SH   DFND   2,229 0 0
iShares ETFs/USA MSCI EAFE ETF 464287465   1,821,418 25,123 SH   DFND   24,973 0 150