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
Expires: July 31, 2015
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 224,380 1,545 SH DFND 2 1,545 0 0
3M CO Equities 88579Y101 377,598 2,600 SH OTR 2 0 2,600 0
AB NEW YORK INTERMEDIATE MUNI ETF Equities 00039J764 6,405,513 256,734 SH DFND 2 256,734 0 0
ABBOTT LABS Equities 002824100 1,892,105 18,429 SH DFND 2 18,429 0 0
ABBOTT LABS Equities 002824100 12,936 126 SH OTR 2 0 126 0
ABBVIE INC Equities 00287Y109 1,065,484 4,899 SH DFND 2 4,899 0 0
ABBVIE INC Equities 00287Y109 217,490 1,000 SH OTR 2 0 1,000 0
ADOBE INC Equities 00724F101 1,028,228 4,230 SH DFND 2 4,230 0 0
ADOBE INC Equities 00724F101 18,231 75 SH OTR 2 0 75 0
ALPHABET INC CL A Equities 02079K305 13,934,870 48,459 SH DFND 2 48,459 0 0
ALPHABET INC CL A Equities 02079K305 1,289,419 4,484 SH OTR 2 0 4,484 0
ALPHABET INC CL C Equities 02079K107 2,792,008 9,733 SH DFND 2 9,733 0 0
ALPHABET INC CL C Equities 02079K107 299,769 1,045 SH OTR 2 0 1,045 0
AMAZON.COM INC Equities 023135106 7,696,618 36,955 SH DFND 2 36,955 0 0
AMAZON.COM INC Equities 023135106 434,243 2,085 SH OTR 2 0 2,085 0
AMERICAN ELEC PWR INC Equities 025537101 1,039,595 7,931 SH DFND 2 7,931 0 0
AMERICAN EXPRESS CO Equities 025816109 607,682 2,009 SH DFND 2 2,009 0 0
AMERICAN EXPRESS CO Equities 025816109 151,240 500 SH OTR 2 0 500 0
AMERICAN WATER WORKS CO INC Equities 030420103 1,094,980 8,046 SH DFND 2 8,046 0 0
AMERICAN WATER WORKS CO INC Equities 030420103 34,567 254 SH OTR 2 0 254 0
AMGEN INC Equities 031162100 2,961,170 8,416 SH DFND 2 8,416 0 0
AMGEN INC Equities 031162100 112,944 321 SH OTR 2 0 321 0
AMPHENOL CORP CL A Equities 032095101 4,721,068 37,365 SH DFND 2 37,365 0 0
AMPHENOL CORP CL A Equities 032095101 195,590 1,548 SH OTR 2 0 1,548 0
APPLE INC Equities 037833100 16,169,468 63,712 SH DFND 2 63,712 0 0
APPLE INC Equities 037833100 1,389,246 5,474 SH OTR 2 0 5,474 0
APPLIED MATERIALS INC Equities 038222105 575,916 1,685 SH DFND 2 1,685 0 0
ARROW FINANCIAL CORPORATION Equities 042744102 63,072,625 1,878,839 SH DFND 2 1,878,839 0 0
AT&T INC Equities 00206R102 223,020 7,693 SH DFND 2 7,693 0 0
AT&T INC Equities 00206R102 13,654 471 SH OTR 2 0 471 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 222,076 1,093 SH DFND 2 1,093 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 474,628 2,336 SH OTR 2 0 2,336 0
BANK OF AMERICA CORP Equities 060505104 2,867,036 58,811 SH DFND 2 58,811 0 0
BANK OF AMERICA CORP Equities 060505104 196,463 4,030 SH OTR 2 0 4,030 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702 4,077,034 8,508 SH DFND 2 8,508 0 0
BERKSHIRE HATHAWAY INC-CL B Equities 084670702 289,916 605 SH OTR 2 0 605 0
BLACKROCK INC Equities 09290D101 3,094,783 3,218 SH DFND 2 3,218 0 0
BLACKROCK INC Equities 09290D101 191,380 199 SH OTR 2 0 199 0
BRISTOL MYERS SQUIBB CO Equities 110122108 249,939 4,121 SH DFND 2 4,121 0 0
BRISTOL MYERS SQUIBB CO Equities 110122108 12,737 210 SH OTR 2 0 210 0
BROADCOM INC Equities 11135F101 1,955,794 6,319 SH DFND 2 6,319 0 0
CARRIER GLOBAL CORP Equities 14448C104 15,485 275 SH DFND 2 275 0 0
CARRIER GLOBAL CORP Equities 14448C104 264,657 4,700 SH OTR 2 0 4,700 0
CATERPILLAR INC Equities 149123101 3,588,350 5,065 SH DFND 2 5,065 0 0
CATERPILLAR INC Equities 149123101 605,025 854 SH OTR 2 0 854 0
CHEVRON CORPORATION Equities 166764100 1,255,676 6,069 SH DFND 2 6,069 0 0
CHEVRON CORPORATION Equities 166764100 271,867 1,314 SH OTR 2 0 1,314 0
CISCO SYSTEMS INC Equities 17275R102 3,583,882 46,190 SH DFND 2 46,190 0 0
CISCO SYSTEMS INC Equities 17275R102 96,600 1,245 SH OTR 2 0 1,245 0
COCA COLA CO Equities 191216100 2,370,326 31,168 SH DFND 2 31,168 0 0
COCA COLA CO Equities 191216100 130,502 1,716 SH OTR 2 0 1,716 0
COLGATE PALMOLIVE CO Equities 194162103 146,937 1,724 SH DFND 2 1,724 0 0
COLGATE PALMOLIVE CO Equities 194162103 427,428 5,015 SH OTR 2 0 5,015 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852 77,602 700 SH DFND 2 700 0 0
COMM. SERV. SELECT SECTOR SPDR FUND Equities 81369Y852 360,849 3,255 SH OTR 2 0 3,255 0
CONOCOPHILLIPS Equities 20825C104 1,732,500 13,125 SH DFND 2 13,125 0 0
CONOCOPHILLIPS Equities 20825C104 54,120 410 SH OTR 2 0 410 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407 215,453 1,977 SH DFND 2 1,977 0 0
CONS DISC SELECT SECTOR SPDR FUND Equities 81369Y407 394,726 3,622 SH OTR 2 0 3,622 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308 38,531 470 SH DFND 2 470 0 0
CONS STAPLES SELECT SECT SPDR FUND Equities 81369Y308 203,802 2,486 SH OTR 2 0 2,486 0
COSTCO WHOLESALE CORP Equities 22160K105 3,332,062 3,344 SH DFND 2 3,344 0 0
COSTCO WHOLESALE CORP Equities 22160K105 89,679 90 SH OTR 2 0 90 0
CUMMINS INC Equities 231021106 1,933,644 3,594 SH DFND 2 3,594 0 0
CUMMINS INC Equities 231021106 78,551 146 SH OTR 2 0 146 0
DANAHER CORP Equities 235851102 1,595,674 8,416 SH DFND 2 8,416 0 0
DANAHER CORP Equities 235851102 9,480 50 SH OTR 2 0 50 0
DISNEY WALT CO NEW Equities 254687106 2,569,876 26,664 SH DFND 2 26,664 0 0
DISNEY WALT CO NEW Equities 254687106 83,754 869 SH OTR 2 0 869 0
DOLLAR TREE INC Equities 256746108 305,533 2,790 SH DFND 2 2,790 0 0
DOMINION ENERGY INC Equities 25746U109 797,973 12,908 SH DFND 2 12,908 0 0
DOMINION ENERGY INC Equities 25746U109 10,386 168 SH OTR 2 0 168 0
EASTMAN CHEMICAL CO Equities 277432100 553,931 7,258 SH DFND 2 7,258 0 0
EATON CORP PLC Equities G29183103 772,925 2,161 SH DFND 2 2,161 0 0
EATON CORP PLC Equities G29183103 169,893 475 SH OTR 2 0 475 0
ECOLAB INC Equities 278865100 405,148 1,523 SH DFND 2 1,523 0 0
ECOLAB INC Equities 278865100 164,400 618 SH OTR 2 0 618 0
EMERSON ELEC CO Equities 291011104 167,313 1,277 SH DFND 2 1,277 0 0
EMERSON ELEC CO Equities 291011104 251,558 1,920 SH OTR 2 0 1,920 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506 242,345 3,956 SH DFND 2 3,956 0 0
ENERGY SELECT SECTOR SPDR FUND Equities 81369Y506 144,574 2,360 SH OTR 2 0 2,360 0
EXXON MOBIL CORP Equities 30231G102 3,557,431 20,968 SH DFND 2 20,968 0 0
EXXON MOBIL CORP Equities 30231G102 1,068,179 6,296 SH OTR 2 0 6,296 0
FEDEX CORPORATION Equities 31428X106 241,490 678 SH DFND 2 678 0 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605 622,358 12,606 SH DFND 2 12,606 0 0
FINANCIAL SELECT SECTOR SPDR FUND Equities 81369Y605 504,858 10,226 SH OTR 2 0 10,226 0
FORD MOTOR CO DEL Equities 345370860 121,170 10,500 SH DFND 2 10,500 0 0
GE AEROSPACE Equities 369604301 880,538 3,103 SH DFND 2 3,103 0 0
GE VERNOVA LLC Equities 36828A101 721,888 827 SH DFND 2 827 0 0
GENERAL DYNAMICS CORP Equities 369550108 2,156,108 6,282 SH DFND 2 6,282 0 0
GENERAL DYNAMICS CORP Equities 369550108 34,322 100 SH OTR 2 0 100 0
GOLDMAN SACHS GROUP INC Equities 38141G104 189,502 224 SH DFND 2 224 0 0
GOLDMAN SACHS GROUP INC Equities 38141G104 21,150 25 SH OTR 2 0 25 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209 486,892 3,321 SH DFND 2 3,321 0 0
HEALTH CARE SELECT SECTOR SPDR FUND Equities 81369Y209 371,070 2,531 SH OTR 2 0 2,531 0
HOME DEPOT INC Equities 437076102 4,448,237 13,525 SH DFND 2 13,525 0 0
HOME DEPOT INC Equities 437076102 422,295 1,284 SH OTR 2 0 1,284 0
HONEYWELL INTERNATIONAL INC Equities 438516106 2,270,019 10,043 SH DFND 2 10,043 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106 59,672 264 SH OTR 2 0 264 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704 517,536 3,200 SH DFND 2 3,200 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND Equities 81369Y704 342,706 2,119 SH OTR 2 0 2,119 0
INGERSOLL-RAND INC Equities 45687V106 808,892 10,096 SH DFND 2 10,096 0 0
INGERSOLL-RAND INC Equities 45687V106 53,680 670 SH OTR 2 0 670 0
INTEL CORP Equities 458140100 278,460 6,310 SH DFND 2 6,310 0 0
INTEL CORP Equities 458140100 112,090 2,540 SH OTR 2 0 2,540 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104 3,062,556 19,472 SH DFND 2 19,472 0 0
INTERCONTINENTAL EXCHANGE GROUP, INC Equities 45866F104 112,298 714 SH OTR 2 0 714 0
INTL. BUSINESS MACHINES CORP Equities 459200101 276,567 1,141 SH DFND 2 1,141 0 0
INTL. BUSINESS MACHINES CORP Equities 459200101 732,745 3,023 SH OTR 2 0 3,023 0
INTUIT INC Equities 461202103 324,285 750 SH OTR 2 0 750 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103 80,184,732 138,925 SH DFND 2 138,925 0 0
INVESCO QQQ TRUST SERIES 1 Equities 46090E103 275,315 477 SH OTR 2 0 477 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653 9,075,151 90,102 SH DFND 2 90,102 0 0
ISHARES 10-20 YEAR TREASURY BOND ETF Equities 464288653 16,317 162 SH OTR 2 0 162 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326 45,815,619 548,230 SH DFND 2 548,230 0 0
ISHARES CORE MSCI DEV MKTS ETF Equities 46435G326 836,536 10,010 SH OTR 2 0 10,010 0
ISHARES CORE S&P 500 ETF Equities 464287200 840,028 1,286 SH DFND 2 1,286 0 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507 62,111,203 919,758 SH DFND 2 919,758 0 0
ISHARES CORE S&P MID-CAP ETF Equities 464287507 319,281 4,728 SH OTR 2 0 4,728 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804 47,075,505 378,696 SH DFND 2 378,696 0 0
ISHARES CORE S&P SMALL-CAP ETF Equities 464287804 848,287 6,824 SH OTR 2 0 6,824 0
ISHARES CORE U.S. AGGREGATE Equities 464287226 6,184,720 62,302 SH DFND 2 62,302 0 0
ISHARES ESG AWARE 1-5 YEAR USD ETF Equities 46435G243 865,870 34,545 SH DFND 2 34,545 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528 30,269,952 1,318,952 SH DFND 2 1,318,952 0 0
ISHARES IBONDS 2026 TERM HIGH YIELD AND INC Equities 46436E528 700,021 30,502 SH OTR 2 0 30,502 0
ISHARES IBONDS DEC 2026 MUNI ETF Mutual Funds 46435U259 242,229 9,451 SH DFND 2 9,451 0 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0 10,137,047 418,194 SH DFND 2 418,194 0 0
ISHARES IBONDS DEC 2026 TERM CORP Equities 46435GAA0 178,358 7,358 SH OTR 2 0 7,358 0
ISHARES IBONDS DEC 2027 MUNI ETF Mutual Funds 46435U283 242,112 9,517 SH DFND 2 9,517 0 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9 10,308,545 425,270 SH DFND 2 425,270 0 0
ISHARES IBONDS DEC 2027 TERM CORP Equities 46435UAA9 230,377 9,504 SH OTR 2 0 9,504 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515 14,448,270 570,401 SH DFND 2 570,401 0 0
ISHARES IBONDS DEC 2028 TERM CORP Equities 46435U515 182,325 7,198 SH OTR 2 0 7,198 0
ISHARES IBONDS DEC 2028 TERM MUNI Mutual Funds 46435U325 241,207 9,448 SH DFND 2 9,448 0 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205 14,617,946 628,458 SH DFND 2 628,458 0 0
ISHARES IBONDS DEC 2029 TERM CORP Equities 46436E205 306,218 13,165 SH OTR 2 0 13,165 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726 14,688,068 670,994 SH DFND 2 670,994 0 0
ISHARES IBONDS DEC 2030 TERM CORP Equities 46436E726 306,110 13,984 SH OTR 2 0 13,984 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486 14,771,804 705,771 SH DFND 2 705,771 0 0
ISHARES IBONDS DEC 2031 TERM CORP Equities 46436E486 355,538 16,987 SH OTR 2 0 16,987 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312 15,170,418 600,333 SH DFND 2 600,333 0 0
ISHARES IBONDS DEC 2032 TC ETF Equities 46436E312 358,303 14,179 SH OTR 2 0 14,179 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130 14,888,408 575,953 SH DFND 2 575,953 0 0
ISHARES IBONDS DEC 2033 CORP Equities 46436E130 357,790 13,841 SH OTR 2 0 13,841 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653 11,142,758 427,580 SH DFND 2 427,580 0 0
ISHARES IBONDS DEC 2034 TM CORP Equities 46438G653 357,804 13,730 SH OTR 2 0 13,730 0
ISHARES NATIONAL MUNI BOND ETF Mutual Funds 464288414 1,100,776 10,370 SH DFND 2 10,370 0 0
ISHARES NEW YORK MUNI BOND ETF Mutual Funds 464288323 4,574,694 86,120 SH DFND 2 86,120 0 0
ISHARES RUSSELL MIDCAP ETF Equities 464287499 396,309 4,076 SH DFND 2 4,076 0 0
ISHARES TR IBONDS DEC 2035 Equities 46438G372 14,742,372 574,975 SH DFND 2 574,975 0 0
ISHARES TR IBONDS DEC 2035 Equities 46438G372 306,193 11,942 SH OTR 2 0 11,942 0
J P MORGAN EXCHANGE TRADED FD EQUITY PREMIUM Equities 46641Q332 14,295,509 252,214 SH DFND 2 252,214 0 0
J P MORGAN EXCHANGE TRADED FD EQUITY PREMIUM Equities 46641Q332 217,878 3,844 SH OTR 2 0 3,844 0
J P MORGAN EXCHANGE TRADED FD NASDAQ EQT PREM Equities 46654Q203 880,714 15,863 SH DFND 2 15,863 0 0
JOHNSON & JOHNSON Equities 478160104 3,633,845 14,866 SH DFND 2 14,866 0 0
JOHNSON & JOHNSON Equities 478160104 1,030,070 4,214 SH OTR 2 0 4,214 0
JP MORGAN CHASE & CO Equities 46625H100 5,718,470 19,440 SH DFND 2 19,440 0 0
JP MORGAN CHASE & CO Equities 46625H100 1,461,093 4,967 SH OTR 2 0 4,967 0
LILLY ELI & CO Equities 532457108 3,039,840 3,305 SH DFND 2 3,305 0 0
LILLY ELI & CO Equities 532457108 1,265,604 1,376 SH OTR 2 0 1,376 0
LOCKHEED MARTIN CORP Equities 539830109 244,174 404 SH DFND 2 404 0 0
LOWES COS INC Equities 548661107 1,102,719 4,667 SH DFND 2 4,667 0 0
LOWES COS INC Equities 548661107 35,442 150 SH OTR 2 0 150 0
LYONDELLBASELL INDUSTRIES NV Equities N53745100 642,063 7,970 SH DFND 2 7,970 0 0
MARVELL TECHNOLOGY INC Equities 573874104 2,669,596 26,952 SH DFND 2 26,952 0 0
MARVELL TECHNOLOGY INC Equities 573874104 151,844 1,533 SH OTR 2 0 1,533 0
MASCO CORP Equities 574599106 1,407,708 23,318 SH DFND 2 23,318 0 0
MASCO CORP Equities 574599106 16,058 266 SH OTR 2 0 266 0
MASTERCARD INC CL A Equities 57636Q104 1,728,824 3,460 SH DFND 2 3,460 0 0
MASTERCARD INC CL A Equities 57636Q104 29,980 60 SH OTR 2 0 60 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100 1,345,937 26,934 SH DFND 2 26,934 0 0
MATERIALS SELECT SECTOR SPDR FUND Equities 81369Y100 159,709 3,196 SH OTR 2 0 3,196 0
MCDONALDS CORP Equities 580135101 2,891,901 9,305 SH DFND 2 9,305 0 0
MCDONALDS CORP Equities 580135101 54,388 175 SH OTR 2 0 175 0
MCKESSON CORP COM Equities 58155Q103 976,991 1,129 SH DFND 2 1,129 0 0
MERCK & CO INC Equities 58933Y105 458,305 3,810 SH DFND 2 3,810 0 0
MERCK & CO INC Equities 58933Y105 379,515 3,155 SH OTR 2 0 3,155 0
META PLATFORMS INC CL A Equities 30303M102 4,320,726 7,552 SH DFND 2 7,552 0 0
META PLATFORMS INC CL A Equities 30303M102 259,747 454 SH OTR 2 0 454 0
MICROSOFT CORP Equities 594918104 11,771,036 31,799 SH DFND 2 31,799 0 0
MICROSOFT CORP Equities 594918104 1,451,437 3,921 SH OTR 2 0 3,921 0
MORGAN STANLEY Equities 617446448 2,299,701 13,974 SH DFND 2 13,974 0 0
MORGAN STANLEY Equities 617446448 199,788 1,214 SH OTR 2 0 1,214 0
NETFLIX INC Equities 64110L106 2,549,898 26,520 SH DFND 2 26,520 0 0
NETFLIX INC Equities 64110L106 105,765 1,100 SH OTR 2 0 1,100 0
NEXTERA ENERGY INC Equities 65339F101 481,583 5,185 SH DFND 2 5,185 0 0
NEXTERA ENERGY INC Equities 65339F101 153,624 1,654 SH OTR 2 0 1,654 0
NORFOLK SOUTHERN CORP Equities 655844108 232,183 809 SH DFND 2 809 0 0
NUVEEN ESG SMALL-CAP ETF Equities 67092P607 232,059 5,150 SH DFND 2 5,150 0 0
NVIDIA CORP Equities 67066G104 16,329,246 93,631 SH DFND 2 93,631 0 0
NVIDIA CORP Equities 67066G104 1,106,568 6,345 SH OTR 2 0 6,345 0
OPKO HEALTH INC COM Equities 68375N103 28,500 25,000 SH DFND 2 25,000 0 0
ORACLE CORPORATION Equities 68389X105 4,091,718 27,814 SH DFND 2 27,814 0 0
ORACLE CORPORATION Equities 68389X105 514,149 3,495 SH OTR 2 0 3,495 0
PALO ALTO NETWORKS INC Equities 697435105 2,429,489 15,154 SH DFND 2 15,154 0 0
PALO ALTO NETWORKS INC Equities 697435105 58,356 364 SH OTR 2 0 364 0
PEPSICO INC Equities 713448108 1,146,661 7,384 SH DFND 2 7,384 0 0
PEPSICO INC Equities 713448108 256,384 1,651 SH OTR 2 0 1,651 0
PFIZER INC Equities 717081103 83,566 2,976 SH DFND 2 2,976 0 0
PFIZER INC Equities 717081103 238,680 8,500 SH OTR 2 0 8,500 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833 370,600 3,685 SH DFND 2 3,685 0 0
PIMCO ENHANCED SHORT MATURITY ETF Equities 72201R833 99,061 985 SH OTR 2 0 985 0
PROCTER & GAMBLE CO Equities 742718109 2,349,317 16,265 SH DFND 2 16,265 0 0
PROCTER & GAMBLE CO Equities 742718109 278,480 1,928 SH OTR 2 0 1,928 0
QUANTA SERVICES INC Equities 74762E102 2,252,629 4,103 SH DFND 2 4,103 0 0
QUANTA SERVICES INC Equities 74762E102 79,059 144 SH OTR 2 0 144 0
REAL ESTATE SELECT SECTOR SPDR FUND Equities 81369Y860 196,610 4,815 SH DFND 2 4,815 0 0
REAL ESTATE SELECT SECTOR SPDR FUND Equities 81369Y860 142,048 3,479 SH OTR 2 0 3,479 0
RTX CORPORATION Equities 75513E101 396,217 2,054 SH DFND 2 2,054 0 0
RTX CORPORATION Equities 75513E101 915,311 4,745 SH OTR 2 0 4,745 0
SALESFORCE INC Equities 79466L302 3,130,643 16,771 SH DFND 2 16,771 0 0
SALESFORCE INC Equities 79466L302 117,042 627 SH OTR 2 0 627 0
SNOWFLAKE INC CL A Equities 833445109 409,024 2,712 SH DFND 2 2,712 0 0
SNOWFLAKE INC CL A Equities 833445109 22,925 152 SH OTR 2 0 152 0
SOUTHERN COMPANY Equities 842587107 671,200 6,954 SH DFND 2 6,954 0 0
SPDR GOLD TRUST Equities 78463V107 626,933 1,457 SH DFND 2 1,457 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF Equities 78464A409 469,185 4,792 SH DFND 2 4,792 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508 44,117,601 779,738 SH DFND 2 779,738 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF Equities 78464A508 89,792 1,587 SH OTR 2 0 1,587 0
SPDR S&P 500 ETF TRUST Equities 78462F103 1,456,111 2,239 SH DFND 2 2,239 0 0
SPDR S&P BIOTECH ETF Equities 78464A870 207,689 1,626 SH DFND 2 1,626 0 0
SPDR S&P BIOTECH ETF Equities 78464A870 8,941 70 SH OTR 2 0 70 0
STARBUCKS CORP Equities 855244109 246,731 2,754 SH DFND 2 2,754 0 0
STARBUCKS CORP Equities 855244109 99,893 1,115 SH OTR 2 0 1,115 0
STRYKER CORPORATION Equities 863667101 2,200,896 6,698 SH DFND 2 6,698 0 0
STRYKER CORPORATION Equities 863667101 286,859 873 SH OTR 2 0 873 0
SYSCO CORP Equities 871829107 743,045 10,417 SH DFND 2 10,417 0 0
SYSCO CORP Equities 871829107 18,546 260 SH OTR 2 0 260 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803 971,499 7,310 SH DFND 2 7,310 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND Equities 81369Y803 1,266,803 9,532 SH OTR 2 0 9,532 0
TEMA ELECTRIFICATION ETF Equities 87975E834 15,847,264 462,828 SH DFND 2 462,828 0 0
TEMA ELECTRIFICATION ETF Equities 87975E834 27,940 816 SH OTR 2 0 816 0
TERADYNE INC Equities 880770102 1,534,477 5,176 SH DFND 2 5,176 0 0
TERADYNE INC Equities 880770102 147,341 497 SH OTR 2 0 497 0
TESLA INC Equities 88160R101 1,498,153 4,030 SH DFND 2 4,030 0 0
TESLA INC Equities 88160R101 81,042 218 SH OTR 2 0 218 0
TEXAS INSTRUMENTS INC Equities 882508104 690,944 3,559 SH DFND 2 3,559 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102 2,376,548 4,835 SH DFND 2 4,835 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102 51,611 105 SH OTR 2 0 105 0
TJX COS INC Equities 872540109 3,021,524 18,920 SH DFND 2 18,920 0 0
TJX COS INC Equities 872540109 262,227 1,642 SH OTR 2 0 1,642 0
T-MOBILE US INC Equities 872590104 2,406,734 11,459 SH DFND 2 11,459 0 0
T-MOBILE US INC Equities 872590104 52,297 249 SH OTR 2 0 249 0
TORONTO DOMINION BANK Equities 891160509 54,493 584 SH DFND 2 584 0 0
TORONTO DOMINION BANK Equities 891160509 194,458 2,084 SH OTR 2 0 2,084 0
TRAVELERS COMPANIES INC Equities 89417E109 2,247,394 7,705 SH DFND 2 7,705 0 0
TRAVELERS COMPANIES INC Equities 89417E109 27,126 93 SH OTR 2 0 93 0
UNION PAC CORP Equities 907818108 1,945,327 8,018 SH DFND 2 8,018 0 0
UNION PAC CORP Equities 907818108 103,599 427 SH OTR 2 0 427 0
UNITEDHEALTH GROUP INC Equities 91324P102 441,603 1,632 SH DFND 2 1,632 0 0
UNITEDHEALTH GROUP INC Equities 91324P102 72,518 268 SH OTR 2 0 268 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886 461,057 10,047 SH DFND 2 10,047 0 0
UTILITIES SELECT SECTOR SPDR FUND Equities 81369Y886 133,448 2,908 SH OTR 2 0 2,908 0
VANGUARD MID-CAP ETF Equities 922908629 20,205,723 70,360 SH DFND 2 70,360 0 0
VANGUARD MID-CAP ETF Equities 922908629 1,925,517 6,705 SH OTR 2 0 6,705 0
VANGUARD REAL ESTATE ETF Equities 922908553 537,877 6,064 SH DFND 2 6,064 0 0
VANGUARD REAL ESTATE ETF Equities 922908553 8,870 100 SH OTR 2 0 100 0
VANGUARD S&P 500 ETF Equities 922908363 119,618,580 200,181 SH DFND 2 200,181 0 0
VANGUARD S&P 500 ETF Equities 922908363 1,159,845 1,941 SH OTR 2 0 1,941 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409 4,501,981 56,793 SH DFND 2 56,793 0 0
VANGUARD SHORT TERM CORP BOND ETF Equities 92206C409 287,512 3,627 SH OTR 2 0 3,627 0
VANGUARD SMALL-CAP ETF Equities 922908751 7,627,896 29,123 SH DFND 2 29,123 0 0
VANGUARD SMALL-CAP ETF Equities 922908751 563,652 2,152 SH OTR 2 0 2,152 0
VANGUARD TOTAL BOND MARKET ETF Equities 921937835 1,334,799 18,126 SH DFND 2 18,126 0 0
VANGUARD TOTAL STOCK MARKET ETF Equities 922908769 442,076 1,378 SH DFND 2 1,378 0 0
VERIZON COMMUNICATIONS Equities 92343V104 389,452 7,758 SH DFND 2 7,758 0 0
VERIZON COMMUNICATIONS Equities 92343V104 61,846 1,232 SH OTR 2 0 1,232 0
VERTEX PHARMACEUTICALS INC Equities 92532F100 1,142,249 2,558 SH DFND 2 2,558 0 0
VERTEX PHARMACEUTICALS INC Equities 92532F100 194,691 436 SH OTR 2 0 436 0
VISA INC CL A Equities 92826C839 3,885,295 12,855 SH DFND 2 12,855 0 0
VISA INC CL A Equities 92826C839 259,624 859 SH OTR 2 0 859 0
WALMART INC Equities 931142103 3,507,306 28,221 SH DFND 2 28,221 0 0
WALMART INC Equities 931142103 90,103 725 SH OTR 2 0 725 0
WELLS FARGO & CO Equities 949746101 350,204 4,399 SH DFND 2 4,399 0 0
WILLIAMS COS INC Equities 969457100 2,192,061 30,119 SH DFND 2 30,119 0 0
WILLIAMS COS INC Equities 969457100 92,285 1,268 SH OTR 2 0 1,268 0
YUM BRANDS INC Equities 988498101 1,452,805 9,344 SH DFND 2 9,344 0 0
YUM BRANDS INC Equities 988498101 11,195 72 SH OTR 2 0 72 0