<SEC-DOCUMENT>0000950123-24-009759.txt : 20241018
<SEC-HEADER>0000950123-24-009759.hdr.sgml : 20241018
<ACCEPTANCE-DATETIME>20241018142455
ACCESSION NUMBER:		0000950123-24-009759
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20240930
FILED AS OF DATE:		20241018
DATE AS OF CHANGE:		20241018
EFFECTIVENESS DATE:		20241018

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			OLD NATIONAL BANCORP /IN/
		CENTRAL INDEX KEY:			0000707179
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				351539838
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-02327
		FILM NUMBER:		241380221

	BUSINESS ADDRESS:	
		STREET 1:		ONE MAIN ST
		CITY:			EVANSVILLE
		STATE:			IN
		ZIP:			47708
		BUSINESS PHONE:		8124641434

	MAIL ADDRESS:	
		STREET 1:		ONE MAIN ST
		CITY:			EVANSVILLE
		STATE:			IN
		ZIP:			47708

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	O
		DATE OF NAME CHANGE:	19950822
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
<XML>
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  <schemaVersion>X0202</schemaVersion>
  <headerData>
    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags/>
      <filer>
        <credentials>
          <cik>0000707179</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>09-30-2024</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>09-30-2024</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>OLD NATIONAL BANCORP /IN/</name>
        <address>
          <ns1:street1>ONE MAIN ST</ns1:street1>
          <ns1:city>EVANSVILLE</ns1:city>
          <ns1:stateOrCountry>IN</ns1:stateOrCountry>
          <ns1:zipCode>47708</ns1:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-02327</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>LAURA GOODE</name>
      <title>WEALTH OPERATIONS DIRECTOR SVP</title>
      <phone>815-280-1870</phone>
      <signature>/s/LAURA GOODE</signature>
      <city>JOLIET</city>
      <stateOrCountry>IL</stateOrCountry>
      <signatureDate>10-18-2024</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>1167</tableEntryTotal>
      <tableValueTotal>4332479813</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
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    <cusip>G54950103</cusip>
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    </votingAuthority>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
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    <cusip>N07059210</cusip>
    <value>13933606</value>
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      <sshPrnamt>16722</sshPrnamt>
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      <sshPrnamt>281433</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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    <votingAuthority>
      <Sole>3404</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>81934</Sole>
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      <None>0</None>
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    <cusip>N53745100</cusip>
    <value>556220</value>
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      <sshPrnamt>5800</sshPrnamt>
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    <votingAuthority>
      <Sole>3498</Sole>
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      <None>0</None>
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    <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>794193</value>
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      <sshPrnamt>3309</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3202</Sole>
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      <None>107</None>
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  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>84003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>STELLANTIS N.V</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>N82405106</cusip>
    <value>254305</value>
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      <sshPrnamt>18100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FLEX LTD</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>Y2573F102</cusip>
    <value>251259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6242</Sole>
      <Shared>0</Shared>
      <None>1274</None>
    </votingAuthority>
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    <nameOfIssuer>AFLAC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>001055102</cusip>
    <value>2065393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18397</Sole>
      <Shared>0</Shared>
      <None>77</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AFLAC INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>001055102</cusip>
    <value>30186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AGCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>001084102</cusip>
    <value>366779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3748</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3748</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>1AGCO CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>001084102</cusip>
    <value>12917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>132</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>36359818</value>
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      <sshPrnamt>1652719</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1647076</Sole>
      <Shared>0</Shared>
      <None>5643</None>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
    <value>3053820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>122847</Sole>
      <Shared>15963</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>002824100</cusip>
    <value>3535564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31011</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30296</Sole>
      <Shared>0</Shared>
      <None>715</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ABBOTT LABS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>002824100</cusip>
    <value>9881702</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>86674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ABBVIE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00287Y109</cusip>
    <value>11679559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>58637</Sole>
      <Shared>0</Shared>
      <None>506</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ABBVIE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00287Y109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>83714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>83714</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADOBE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00724F101</cusip>
    <value>21665468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41271</Sole>
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      <None>572</None>
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  <infoTable>
    <nameOfIssuer>ADOBE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00724F101</cusip>
    <value>1679160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3243</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADVISORS INNER CIRCLE FD II</nameOfIssuer>
    <titleOfClass>CHPLN MDC INST</titleOfClass>
    <cusip>00766Y513</cusip>
    <value>1006386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39809</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADVISORS INNER CIRCLE FD II</nameOfIssuer>
    <titleOfClass>CHPLN MDC INST</titleOfClass>
    <cusip>00766Y513</cusip>
    <value>19652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>777</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>9211</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8799</Sole>
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      <None>412</None>
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  <infoTable>
    <nameOfIssuer>ADVANCED MICRO DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>007903107</cusip>
    <value>891610</value>
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      <sshPrnamt>5434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3418</Sole>
      <Shared>2016</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>008073108</cusip>
    <value>211928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1057</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1057</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AEROVIRONMENT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>008073108</cusip>
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      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>62</Sole>
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      <None>0</None>
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    <nameOfIssuer>AGNICO EAGLE MINES LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>008474108</cusip>
    <value>226293</value>
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      <sshPrnamt>2809</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2809</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AGNICO EAGLE MINES LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>008474108</cusip>
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      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>75</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>009158106</cusip>
    <value>793774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2666</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2558</Sole>
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      <None>108</None>
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  <infoTable>
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    <cusip>009158106</cusip>
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      <sshPrnamt>4688</sshPrnamt>
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      <Sole>4688</Sole>
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      <None>0</None>
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    <nameOfIssuer>AKZO NOBEL N V</nameOfIssuer>
    <titleOfClass>SPONSRD ADS NEW</titleOfClass>
    <cusip>010199503</cusip>
    <value>254352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10801</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8534</Sole>
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      <None>2267</None>
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    <nameOfIssuer>AKZO NOBEL N V</nameOfIssuer>
    <titleOfClass>SPONSRD ADS NEW</titleOfClass>
    <cusip>010199503</cusip>
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      <None>0</None>
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    <nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>012653101</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>104802</Sole>
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      <None>1697</None>
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  <infoTable>
    <nameOfIssuer>ALBEMARLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>012653101</cusip>
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      <sshPrnamt>6847</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>6729</Sole>
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      <None>0</None>
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    <nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>018802108</cusip>
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      <sshPrnamt>6830</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6830</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALLIANT ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>018802108</cusip>
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      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>48</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>020002101</cusip>
    <value>450418</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2375</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2375</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALLSTATE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>020002101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1003</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1003</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ALLY FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>02005N100</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>847470</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>843495</Sole>
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      <None>3975</None>
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      <None>5881</None>
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    <cusip>023135106</cusip>
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      <Sole>25288</Sole>
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    <nameOfIssuer>U HAUL HOLDING COMPANY</nameOfIssuer>
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    <value>428184</value>
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      <sshPrnamt>5947</sshPrnamt>
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      <Sole>5947</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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    <cusip>025537101</cusip>
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      <Sole>9867</Sole>
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      <sshPrnamt>5877</sshPrnamt>
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    <votingAuthority>
      <Sole>5617</Sole>
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    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
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    <cusip>025816109</cusip>
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      <None>0</None>
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    <nameOfIssuer>AMERICAN INTL GROUP INC</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
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      <Sole>8210</Sole>
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    <nameOfIssuer>AMERICAN TOWER CORP NEW</nameOfIssuer>
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    <titleOfClass>COM</titleOfClass>
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    <votingAuthority>
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    <titleOfClass>COM</titleOfClass>
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    <votingAuthority>
      <Sole>9417</Sole>
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    <nameOfIssuer>CENCORA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>617</Sole>
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    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>6414</Sole>
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    <titleOfClass>COM</titleOfClass>
    <cusip>031162100</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>AMPHENOL CORP NEW</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>668</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>032654105</cusip>
    <value>2871600</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12425</Sole>
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      <None>51</None>
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    <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>032654105</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>ANHEUSER BUSCH INBEV SA/NV</nameOfIssuer>
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    <cusip>03524A108</cusip>
    <value>226314</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2885</Sole>
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      <None>529</None>
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    <nameOfIssuer>1ANHEUSER BUSCH INBEV SA/NV</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>03524A108</cusip>
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      <sshPrnamt>143</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>143</Sole>
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      <None>0</None>
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    <nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
    <value>1758120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3381</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3381</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>036752103</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1432</Sole>
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      <None>0</None>
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    <nameOfIssuer>APA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03743Q108</cusip>
    <value>4857389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198585</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>198585</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>APA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03743Q108</cusip>
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      <sshPrnamt>11645</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7549</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>APOLLO GLOBAL MGMT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03769M106</cusip>
    <value>471285</value>
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      <sshPrnamt>3773</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3773</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>APOLLO GLOBAL MGMT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>03769M106</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>439</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>037833100</cusip>
    <value>117464620</value>
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      <sshPrnamt>504140</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>495396</Sole>
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      <None>8744</None>
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  <infoTable>
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    <shrsOrPrnAmt>
      <sshPrnamt>11435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRIXMOR PPTY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11120U105</cusip>
    <value>8135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>292</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>3206947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18591</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17741</Sole>
      <Shared>0</Shared>
      <None>850</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>564075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12008R107</cusip>
    <value>297575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1258</Sole>
      <Shared>0</Shared>
      <None>277</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BUILDERS FIRSTSOURCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12008R107</cusip>
    <value>193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>12504L109</cusip>
    <value>229790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1846</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1846</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CBRE GROUP INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>12504L109</cusip>
    <value>497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>690108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1992</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1839</Sole>
      <Shared>0</Shared>
      <None>153</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>45037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>130</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>272282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CNL HEALTHCARE PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>12612C108</cusip>
    <value>59240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21699</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CSW INDUSTRIALS INC</nameOfIssuer>
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    <cusip>126402106</cusip>
    <value>331949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>906</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CSW INDUSTRIALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126402106</cusip>
    <value>14289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>39</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>3137119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>90852</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126408103</cusip>
    <value>138120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>16618995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>261876</Sole>
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      <None>2421</None>
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  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>1220437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15086</Sole>
      <Shared>4323</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>127097103</cusip>
    <value>7380695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>308171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>308171</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COTERRA ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>127097103</cusip>
    <value>561100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15735</Sole>
      <Shared>7693</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CALAMOS STRATEGIC TOTAL RETU</nameOfIssuer>
    <titleOfClass>COM SH BEN INT</titleOfClass>
    <cusip>128125101</cusip>
    <value>348301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20075</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAMPBELL SOUP CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>134429109</cusip>
    <value>396252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8100</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136375102</cusip>
    <value>212861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1817</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN NAT RES LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136385101</cusip>
    <value>547566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15272</Sole>
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      <None>1216</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13646K108</cusip>
    <value>565504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6191</Sole>
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      <None>420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13646K108</cusip>
    <value>108379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1267</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>20582035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>135724</Sole>
      <Shared>0</Shared>
      <None>1737</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>1015618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6783</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>1260038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11401</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>143130102</cusip>
    <value>15530166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>197856</Sole>
      <Shared>0</Shared>
      <None>2844</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARMAX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>143130102</cusip>
    <value>663610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>1CARREFOUR SA</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>144430204</cusip>
    <value>90366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21335</Sole>
      <Shared>0</Shared>
      <None>5111</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARREFOUR SA</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>144430204</cusip>
    <value>4701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1376</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>417582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>202754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2519</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>4352383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11128</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>435707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1114</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>150870103</cusip>
    <value>210194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1546</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CELANESE CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>150870103</cusip>
    <value>6933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>51</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>15135B101</cusip>
    <value>574838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <None>0</None>
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      <Sole>575</Sole>
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      <None>0</None>
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      <Sole>1758</Sole>
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      <None>164</None>
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      <Sole>46</Sole>
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      <Sole>58368</Sole>
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      <None>187</None>
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    <nameOfIssuer>CHOICE HOTELS INTL INC</nameOfIssuer>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>0</None>
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      <sshPrnamt>5388</sshPrnamt>
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      <Sole>5388</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CINCINNATI FINL CORP</nameOfIssuer>
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      <sshPrnamt>4548</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4368</Sole>
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      <None>180</None>
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    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
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    <nameOfIssuer>CINTAS CORP</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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    <nameOfIssuer>CITIZENS FINL GROUP INC</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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    <cusip>189054109</cusip>
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    <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
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      <sshPrnamt>39543</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39543</Sole>
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      <None>0</None>
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    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>184</Sole>
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    <nameOfIssuer>COHEN &amp; STEERS INC</nameOfIssuer>
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      <Sole>2034</Sole>
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  <infoTable>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>115</Sole>
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    </votingAuthority>
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  <infoTable>
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      <sshPrnamt>8327</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8327</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>692</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COMFORT SYS USA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>199908104</cusip>
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      <sshPrnamt>742</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>742</Sole>
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    <cusip>20030N101</cusip>
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      <sshPrnamt>51165</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>50845</Sole>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP NEW</nameOfIssuer>
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      <sshPrnamt>989</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>989</Sole>
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  <infoTable>
    <nameOfIssuer>COMERICA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>217896</sshPrnamt>
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      <None>0</None>
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      <Sole>642</Sole>
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    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
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      <sshPrnamt>40460</sshPrnamt>
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    <votingAuthority>
      <Sole>40007</Sole>
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      <None>453</None>
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      <Sole>12556</Sole>
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    <nameOfIssuer>ENI S P A</nameOfIssuer>
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    <cusip>26874R108</cusip>
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      <Sole>8941</Sole>
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      <None>0</None>
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      <sshPrnamt>63963</sshPrnamt>
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      <Sole>63236</Sole>
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      <Sole>6209</Sole>
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    <votingAuthority>
      <Sole>2697</Sole>
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      <None>0</None>
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    <nameOfIssuer>EAST WEST BANCORP INC</nameOfIssuer>
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    <cusip>27579R104</cusip>
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      <sshPrnamt>93</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>93</Sole>
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      <None>0</None>
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      <sshPrnamt>8772</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8772</Sole>
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      <None>0</None>
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    <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>72655</value>
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      <sshPrnamt>649</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>649</Sole>
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      <None>0</None>
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    <nameOfIssuer>EBAY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278642103</cusip>
    <value>357844</value>
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      <sshPrnamt>5496</sshPrnamt>
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      <Sole>5496</Sole>
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      <None>0</None>
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    <nameOfIssuer>EBAY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278642103</cusip>
    <value>325</value>
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      <sshPrnamt>5</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>5</Sole>
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      <None>0</None>
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    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278865100</cusip>
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      <sshPrnamt>5546</sshPrnamt>
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    <votingAuthority>
      <Sole>3956</Sole>
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      <None>1590</None>
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    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1241</Sole>
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    <nameOfIssuer>EDISON INTL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>281020107</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>2337</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1947</Sole>
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      <None>390</None>
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  <infoTable>
    <nameOfIssuer>EDISON INTL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>47</Sole>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>180569</Sole>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
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    <cusip>28176E108</cusip>
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      <sshPrnamt>6657</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>6657</Sole>
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      <None>0</None>
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    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>21254</sshPrnamt>
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    <votingAuthority>
      <Sole>21191</Sole>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>12765</Sole>
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    <nameOfIssuer>ASPEN TECHNOLOGY INC</nameOfIssuer>
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      <sshPrnamt>1898</sshPrnamt>
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      <Sole>1898</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>51</Sole>
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    <nameOfIssuer>ENEL SOCIETA PER AZIONI</nameOfIssuer>
    <titleOfClass>UNSPONSORD ADR</titleOfClass>
    <cusip>29265W207</cusip>
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      <sshPrnamt>39071</sshPrnamt>
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    <votingAuthority>
      <Sole>32035</Sole>
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  <infoTable>
    <nameOfIssuer>ENEL SOCIETA PER AZIONI</nameOfIssuer>
    <titleOfClass>UNSPONSORD ADR</titleOfClass>
    <cusip>29265W207</cusip>
    <value>14294</value>
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      <sshPrnamt>1785</sshPrnamt>
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      <Sole>1785</Sole>
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    <nameOfIssuer>ENPRO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>1175</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1175</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENPRO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>60</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>60</Sole>
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    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
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      <sshPrnamt>3054</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3054</Sole>
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      <None>0</None>
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    <nameOfIssuer>EQUIFAX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>294429105</cusip>
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      <sshPrnamt>64895</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>64235</Sole>
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      <None>660</None>
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  <infoTable>
    <nameOfIssuer>EQUIFAX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>294429105</cusip>
    <value>789601</value>
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      <sshPrnamt>2687</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>2687</Sole>
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      <None>0</None>
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    <nameOfIssuer>EQUINOR ASA</nameOfIssuer>
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    <cusip>29446M102</cusip>
    <value>324553</value>
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      <sshPrnamt>12813</sshPrnamt>
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      <Sole>12813</Sole>
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    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>294879</value>
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      <sshPrnamt>7272</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>7272</Sole>
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    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>47078</value>
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      <sshPrnamt>1161</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1161</Sole>
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    <nameOfIssuer>EXPEDITORS INTL WASH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>302130109</cusip>
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      <sshPrnamt>721</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>522</Sole>
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      <None>199</None>
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  <infoTable>
    <nameOfIssuer>EXPEDITORS INTL WASH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>302130109</cusip>
    <value>183960</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EXPONENT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30214U102</cusip>
    <value>402788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3494</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3494</Sole>
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  <infoTable>
    <nameOfIssuer>EXPONENT INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30214U102</cusip>
    <value>9798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>85</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30225T102</cusip>
    <value>141449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>785</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>704</Sole>
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      <None>81</None>
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  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30225T102</cusip>
    <value>146134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>811</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>1265</sshPrnamt>
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    <nameOfIssuer>FAIR ISAAC CORP</nameOfIssuer>
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    <votingAuthority>
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      <None>0</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <value>212161</value>
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    <votingAuthority>
      <Sole>11507</Sole>
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      <None>2979</None>
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      <Sole>784</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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    <votingAuthority>
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      <None>455</None>
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      <None>0</None>
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    <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31620M106</cusip>
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    <votingAuthority>
      <Sole>13905</Sole>
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      <None>924</None>
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    <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31620M106</cusip>
    <value>70685</value>
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      <None>0</None>
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    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
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      <Sole>151428</Sole>
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    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
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    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
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    <cusip>31946M103</cusip>
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    <nameOfIssuer>FIRST FINL CORP IND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>320218100</cusip>
    <value>833939</value>
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    <votingAuthority>
      <Sole>19018</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FIRST FINL CORP IND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>320218100</cusip>
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      <None>0</None>
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    <cusip>320817109</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>42584</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>HLTH CARE ALPH</titleOfClass>
    <cusip>33734X143</cusip>
    <value>641752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5737</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5737</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>TECH ALPHADEX</titleOfClass>
    <cusip>33734X176</cusip>
    <value>349108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2518</sshPrnamt>
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      <Sole>2518</Sole>
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    <nameOfIssuer>FIRST TR EXCH TRADED FD III</nameOfIssuer>
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    <cusip>33739P103</cusip>
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      <sshPrnamt>33806</sshPrnamt>
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    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>2021</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>184540</value>
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      <sshPrnamt>4161</sshPrnamt>
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    <votingAuthority>
      <Sole>3413</Sole>
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      <None>748</None>
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  <infoTable>
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    <cusip>337932107</cusip>
    <value>17873</value>
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      <sshPrnamt>403</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>339750101</cusip>
    <value>502391</value>
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      <sshPrnamt>4046</sshPrnamt>
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      <Sole>4046</Sole>
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      <None>0</None>
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    <nameOfIssuer>FORD MTR CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>5582712</value>
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      <sshPrnamt>528666</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>528666</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FORD MTR CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
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      <sshPrnamt>33217</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23029</Sole>
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    </votingAuthority>
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    <nameOfIssuer>FORTINET INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959E109</cusip>
    <value>10160058</value>
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      <sshPrnamt>131013</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>130420</Sole>
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      <None>593</None>
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      <None>706</None>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
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      <None>0</None>
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      <None>0</None>
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      <None>500</None>
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      <Sole>14126</Sole>
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      <None>1983</None>
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      <None>0</None>
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      <None>111</None>
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    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
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    <cusip>363576109</cusip>
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      <None>0</None>
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      <sshPrnamt>5298</sshPrnamt>
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      <Sole>5088</Sole>
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      <None>210</None>
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    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
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    <value>95193</value>
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      <sshPrnamt>315</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>315</Sole>
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      <None>0</None>
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    <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>369604301</cusip>
    <value>405258</value>
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      <sshPrnamt>2149</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2149</Sole>
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      <None>0</None>
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  <infoTable>
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      <sshPrnamt>1145</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1145</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>13535</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13535</Sole>
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      <None>0</None>
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    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370334104</cusip>
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      <sshPrnamt>5445</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5445</Sole>
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      <None>0</None>
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    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>2096</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2096</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MTRS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37045V100</cusip>
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      <sshPrnamt>3896</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3896</Sole>
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      <None>0</None>
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    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>6789</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6789</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
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      <sshPrnamt>295</sshPrnamt>
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    <nameOfIssuer>GERMAN AMERN BANCORP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6277</Sole>
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      <None>0</None>
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    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>1304969</value>
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      <sshPrnamt>15565</sshPrnamt>
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    <votingAuthority>
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    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>973</Sole>
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    <nameOfIssuer>GSK PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>37733W204</cusip>
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    <votingAuthority>
      <Sole>306</Sole>
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      <None>0</None>
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    <nameOfIssuer>GSK PLC</nameOfIssuer>
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      <sshPrnamt>9468</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3156</Sole>
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      <None>0</None>
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    <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37940X102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>89789</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>88668</Sole>
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      <None>1121</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37940X102</cusip>
    <value>546205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5333</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5333</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GLOBE LIFE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37959E102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4063</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4063</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>1GLOBE LIFE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37959E102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>161</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>161</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
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      <sshPrnamt>2571</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2109</Sole>
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      <None>462</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
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      <sshPrnamt>580</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>580</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GRACO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>384109104</cusip>
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      <sshPrnamt>2771</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2771</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>384802104</cusip>
    <value>3785423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3644</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>384802104</cusip>
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      <sshPrnamt>380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>380</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>388689101</cusip>
    <value>448318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15151</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GRAPHIC PACKAGING HLDG CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>388689101</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>484</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40412C101</cusip>
    <value>137373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>338</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40412C101</cusip>
    <value>178016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>438</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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      <sshPrnamt>3077</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3077</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>IMPERIAL OIL LTD</nameOfIssuer>
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    <cusip>453038408</cusip>
    <value>46215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>656</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEW YORK LIFE INVESTMENTS ET</nameOfIssuer>
    <titleOfClass>NYLI MERGER ARBI</titleOfClass>
    <cusip>45409B800</cusip>
    <value>532327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16190</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>456837103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>15255</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14139</Sole>
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      <None>1116</None>
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  <infoTable>
    <nameOfIssuer>ING GROEP N.V.</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>456837103</cusip>
    <value>4685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>258</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>258</Sole>
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      <None>0</None>
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    <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
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      <sshPrnamt>2617</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2308</Sole>
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      <None>309</None>
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  <infoTable>
    <nameOfIssuer>INGERSOLL RAND INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45687V106</cusip>
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      <sshPrnamt>501</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>501</Sole>
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      <None>0</None>
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    <nameOfIssuer>INGREDION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>457187102</cusip>
    <value>229370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1669</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INGREDION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>457187102</cusip>
    <value>7696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>56</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>8560671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>364905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>362642</Sole>
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      <None>2263</None>
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  <infoTable>
    <nameOfIssuer>1INTEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458140100</cusip>
    <value>667014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28432</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>27932</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45826H109</cusip>
    <value>294710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2267</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTEGER HLDGS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45826H109</cusip>
    <value>14040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>108</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTER PARFUMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>458334109</cusip>
    <value>1274212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9841</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9841</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>45841N107</cusip>
    <value>652065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4457</Sole>
      <Shared>0</Shared>
      <None>222</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERACTIVE BROKERS GROUP IN</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>45841N107</cusip>
    <value>15468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>111</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45866F104</cusip>
    <value>537340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3145</Sole>
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      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>45866F104</cusip>
    <value>25863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>161</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>1890012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8549</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL BUSINESS MACHS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
    <value>951307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4303</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4303</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460146103</cusip>
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      <sshPrnamt>10500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10500</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>460146103</cusip>
    <value>269358</value>
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      <sshPrnamt>5514</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5514</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
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    <cusip>46090E103</cusip>
    <value>1527659</value>
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      <sshPrnamt>3130</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3130</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTRA-CELLULAR THERAPIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46116X101</cusip>
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      <sshPrnamt>6300</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6300</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
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    <cusip>46120E602</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>515</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
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    <cusip>46120E602</cusip>
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      <sshPrnamt>3861</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>3861</Sole>
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  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
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      <sshPrnamt>3983</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3904</Sole>
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      <None>79</None>
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  <infoTable>
    <nameOfIssuer>INTUIT</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>337</Sole>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
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    <cusip>46137V357</cusip>
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      <Sole>8955</Sole>
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      <None>0</None>
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    <titleOfClass>PFD ETF</titleOfClass>
    <cusip>46138E511</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>66292</Sole>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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    <cusip>46138E511</cusip>
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      <Sole>1920</Sole>
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    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>VAR RATE PFD</titleOfClass>
    <cusip>46138G870</cusip>
    <value>764228</value>
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      <Sole>31244</Sole>
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    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>VAR RATE PFD</titleOfClass>
    <cusip>46138G870</cusip>
    <value>69490</value>
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      <Sole>2841</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
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    <cusip>46428Q109</cusip>
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    <votingAuthority>
      <Sole>5904</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
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    <cusip>46428Q109</cusip>
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      <None>2800</None>
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  <infoTable>
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    <cusip>464285204</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287101</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>175778</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287101</cusip>
    <value>2855332</value>
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      <sshPrnamt>10317</sshPrnamt>
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      <Sole>10317</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>8505898</value>
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      <sshPrnamt>62974</sshPrnamt>
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      <Sole>62974</Sole>
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    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>8242</Sole>
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      <None>900</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
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      <sshPrnamt>418</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>76295404</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>8445221</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>14641</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>16294</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>14121</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>44733</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>4764</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>6384</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
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    <value>33124</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>168</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>20 YR TR BD ETF</titleOfClass>
    <cusip>464287432</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>9015</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>4699253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56191</sshPrnamt>
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    <votingAuthority>
      <Sole>56191</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>280662</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3356</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>240298</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>21160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>4960780</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>41479</Sole>
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      <None>816</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>302725</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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    <cusip>464287499</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>13140</None>
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  <infoTable>
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    <titleOfClass>RUS MID CAP ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>411</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL 100 ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>3937</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>1ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>13598</None>
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  <infoTable>
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    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
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    <shrsOrPrnAmt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>66153</Sole>
      <Shared>0</Shared>
      <None>3100</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>4306467</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>1162</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>1079189</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
    <cusip>464287887</cusip>
    <value>270331</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1938</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL TREA BD ETF</titleOfClass>
    <cusip>464288117</cusip>
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    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>29047212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>273540</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>273202</Sole>
      <Shared>0</Shared>
      <None>338</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHRT NAT MUN ETF</titleOfClass>
    <cusip>464288158</cusip>
    <value>1482306</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI EX US</titleOfClass>
    <cusip>464288240</cusip>
    <value>263212</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>4600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI ETF</titleOfClass>
    <cusip>464288257</cusip>
    <value>1546020</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>195208</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>1297</Sole>
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      <None>500</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>452987</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>9792</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20843</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTRM GOV CR ETF</titleOfClass>
    <cusip>464288612</cusip>
    <value>53228</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464288646</cusip>
    <value>237127</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4503</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
    <cusip>464288646</cusip>
    <value>4265</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>81</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHORT TREAS BD</titleOfClass>
    <cusip>464288679</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>386378</sshPrnamt>
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    <votingAuthority>
      <Sole>385506</Sole>
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      <None>872</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SHORT TREAS BD</titleOfClass>
    <cusip>464288679</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>495</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
    <cusip>464288687</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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  <infoTable>
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    <titleOfClass>FLTG RATE NT ETF</titleOfClass>
    <cusip>46429B655</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29509</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>FLTG RATE NT ETF</titleOfClass>
    <cusip>46429B655</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF</titleOfClass>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <titleOfClass>MSCI USA QLT FCT</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
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    <shrsOrPrnAmt>
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  <infoTable>
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    <votingAuthority>
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    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE DIV GRWTH</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE DIV GRWTH</titleOfClass>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>HDG MSCI EAFE</titleOfClass>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>HDG MSCI EAFE</titleOfClass>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE INTL AGGR</titleOfClass>
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    <votingAuthority>
      <Sole>4923</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES BITCOIN TRUST ETF</nameOfIssuer>
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    <votingAuthority>
      <Sole>15813</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ITAU UNIBANCO HLDG S A</nameOfIssuer>
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      <Sole>18607</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <votingAuthority>
      <Sole>88322</Sole>
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      <None>1374</None>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>15894</Sole>
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    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JACOBS SOLUTIONS INC</nameOfIssuer>
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      <sshPrnamt>2749</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2390</Sole>
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      <None>359</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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    <nameOfIssuer>KINROSS GOLD CORP</nameOfIssuer>
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    <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
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      <None>0</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>LEIDOS HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>2087</Sole>
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      <None>491</None>
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    <titleOfClass>COM</titleOfClass>
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      <Sole>2670</Sole>
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    <titleOfClass>COM</titleOfClass>
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    <value>14026</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>151</Sole>
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      <None>0</None>
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    <nameOfIssuer>LIGAND PHARMACEUTICALS INC</nameOfIssuer>
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      <sshPrnamt>2158</sshPrnamt>
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    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
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      <sshPrnamt>26767</sshPrnamt>
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      <Sole>26767</Sole>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
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      <Sole>3212</Sole>
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    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
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      <Sole>7574</Sole>
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    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
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      <Sole>1771</Sole>
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    <nameOfIssuer>M &amp; T BK CORP</nameOfIssuer>
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    <value>214990</value>
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      <sshPrnamt>1207</sshPrnamt>
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      <Sole>1207</Sole>
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    <nameOfIssuer>M &amp; T BK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>55261F104</cusip>
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    <nameOfIssuer>MGM RESORTS INTERNATIONAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>552953101</cusip>
    <value>232194</value>
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      <sshPrnamt>5940</sshPrnamt>
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    <votingAuthority>
      <Sole>4833</Sole>
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      <None>1107</None>
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    <nameOfIssuer>MACYS INC</nameOfIssuer>
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    <cusip>55616P104</cusip>
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    <votingAuthority>
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    <nameOfIssuer>MANULIFE FINL CORP</nameOfIssuer>
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    <cusip>56501R106</cusip>
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      <Sole>8198</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
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    <nameOfIssuer>MARATHON OIL CORP</nameOfIssuer>
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    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
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    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
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    <nameOfIssuer>MARKEL GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>MARRIOTT INTL INC NEW</nameOfIssuer>
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      <Sole>247</Sole>
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    <nameOfIssuer>MARTIN MARIETTA MATLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>341</sshPrnamt>
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      <Sole>341</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MARTIN MARIETTA MATLS INC</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>MASCO CORP</nameOfIssuer>
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    <cusip>574599106</cusip>
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      <sshPrnamt>4763</sshPrnamt>
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      <Sole>4358</Sole>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INCORPORATED</nameOfIssuer>
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      <Sole>9357</Sole>
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  <infoTable>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>684</Sole>
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    <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
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      <Sole>4372</Sole>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>25237</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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  <infoTable>
    <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58155Q103</cusip>
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      <sshPrnamt>7070</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>6795</Sole>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>58155Q103</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>570</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>58733R102</cusip>
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      <sshPrnamt>280</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>280</Sole>
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  <infoTable>
    <nameOfIssuer>MERCADOLIBRE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58733R102</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58933Y105</cusip>
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      <sshPrnamt>93214</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>93214</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
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      <None>0</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>1968</Sole>
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      <None>0</None>
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    <cusip>666807102</cusip>
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      <sshPrnamt>1658</sshPrnamt>
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    <votingAuthority>
      <Sole>1658</Sole>
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      <None>0</None>
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    <cusip>66987V109</cusip>
    <value>1585435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13784</sshPrnamt>
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    <votingAuthority>
      <Sole>13664</Sole>
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      <None>120</None>
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    <cusip>66987V109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
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      <Sole>103</Sole>
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    <cusip>670100205</cusip>
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      <Sole>3418</Sole>
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      <None>0</None>
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    <cusip>670100205</cusip>
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      <sshPrnamt>981</sshPrnamt>
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    <votingAuthority>
      <Sole>981</Sole>
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      <None>0</None>
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    <cusip>670346105</cusip>
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      <sshPrnamt>11694</sshPrnamt>
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    <votingAuthority>
      <Sole>10472</Sole>
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      <None>1222</None>
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      <sshPrnamt>249</sshPrnamt>
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      <Sole>249</Sole>
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      <None>0</None>
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    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
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      <sshPrnamt>309442</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>306120</Sole>
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      <None>3322</None>
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    <nameOfIssuer>NVIDIA CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>3044622</value>
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      <sshPrnamt>25071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25071</Sole>
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      <None>0</None>
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    <nameOfIssuer>1NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
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    <cusip>67066V101</cusip>
    <value>127192</value>
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      <sshPrnamt>10274</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10274</Sole>
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      <None>0</None>
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    <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670928100</cusip>
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      <sshPrnamt>10531</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10531</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103H107</cusip>
    <value>97886</value>
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      <sshPrnamt>85</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>85</Sole>
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      <None>0</None>
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    <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103H107</cusip>
    <value>141646</value>
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      <sshPrnamt>123</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>123</Sole>
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      <None>0</None>
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    <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>674599105</cusip>
    <value>128798</value>
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      <sshPrnamt>2499</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2499</Sole>
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      <None>0</None>
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    <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>674599105</cusip>
    <value>191213</value>
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      <sshPrnamt>3710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3710</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>OLD NATL BANCORP IND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>680033107</cusip>
    <value>25617810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1372873</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>658116</Sole>
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      <None>714757</None>
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  <infoTable>
    <nameOfIssuer>OLD NATL BANCORP IND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>680033107</cusip>
    <value>4575245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>161489</Sole>
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      <None>83701</None>
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  <infoTable>
    <nameOfIssuer>OLIN CORP</nameOfIssuer>
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    <cusip>680665205</cusip>
    <value>227521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4742</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4742</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLIN CORP</nameOfIssuer>
    <titleOfClass>COM PAR $1</titleOfClass>
    <cusip>680665205</cusip>
    <value>7532</value>
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      <sshPrnamt>157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>157</Sole>
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      <None>0</None>
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    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681116109</cusip>
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      <sshPrnamt>2383</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2383</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681116109</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>139</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681919106</cusip>
    <value>683511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5939</Sole>
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      <None>672</None>
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  <infoTable>
    <nameOfIssuer>OMNICOM GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681919106</cusip>
    <value>352559</value>
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      <sshPrnamt>3410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3410</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682680103</cusip>
    <value>269289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2955</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2955</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682680103</cusip>
    <value>87667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>962</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>962</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>3995198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22337</Sole>
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      <None>1109</None>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>394646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2316</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>240828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2317</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>130028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1251</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1251</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PJT PARTNERS INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>69343T107</cusip>
    <value>243345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1825</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PJT PARTNERS INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>69343T107</cusip>
    <value>10400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>78</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PGIM GLOBAL HIGH YIELD FD FO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69346J106</cusip>
    <value>188926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14783</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>575068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3111</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINL SVCS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693475105</cusip>
    <value>46767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693506107</cusip>
    <value>590771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4460</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PPG INDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693506107</cusip>
    <value>8874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>67</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693718108</cusip>
    <value>274429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2781</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PACCAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693718108</cusip>
    <value>394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>695156109</cusip>
    <value>3629705</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>745867101</cusip>
    <value>414227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2657</Sole>
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      <None>229</None>
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    <nameOfIssuer>PULTE GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>745867101</cusip>
    <value>62148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>433</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>9043939</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52943</Sole>
      <Shared>0</Shared>
      <None>241</None>
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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>816750</value>
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      <sshPrnamt>4803</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3342</Sole>
      <Shared>1461</Shared>
      <None>0</None>
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    <nameOfIssuer>RLI CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>749607107</cusip>
    <value>490511</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3165</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>3375517</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
    <value>703697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5808</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>RECKITT BENCKISER GRP PLC</nameOfIssuer>
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    <cusip>756255204</cusip>
    <value>289010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23537</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18792</Sole>
      <Shared>0</Shared>
      <None>4745</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RECKITT BENCKISER GRP PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>756255204</cusip>
    <value>15397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1254</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>180813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886F107</cusip>
    <value>48357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>46</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>7591EP100</cusip>
    <value>325103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13935</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REGIONS FINANCIAL CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>7591EP100</cusip>
    <value>583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>RENESAS ELECTRONICS CORP</nameOfIssuer>
    <titleOfClass>UNSPONSORD ADR</titleOfClass>
    <cusip>75972B101</cusip>
    <value>226534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24346</Sole>
      <Shared>0</Shared>
      <None>6827</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RENESAS ELECTRONICS CORP</nameOfIssuer>
    <titleOfClass>UNSPONSORD ADR</titleOfClass>
    <cusip>75972B101</cusip>
    <value>12244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1685</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>760759100</cusip>
    <value>716597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3568</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>760759100</cusip>
    <value>207869</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1035</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RINGCENTRAL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>76680R206</cusip>
    <value>972622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>30275</Sole>
      <Shared>0</Shared>
      <None>475</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RINGCENTRAL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>76680R206</cusip>
    <value>36564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1156</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>767204100</cusip>
    <value>110028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1546</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>RIO TINTO PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>767204100</cusip>
    <value>103552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1455</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROCHE HLDG LTD</nameOfIssuer>
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    <cusip>771195104</cusip>
    <value>10178556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253842</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>251062</Sole>
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      <None>2780</None>
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    <nameOfIssuer>ROCHE HLDG LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>771195104</cusip>
    <value>445649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11114</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ROLLINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>775711104</cusip>
    <value>810038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16015</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROLLINS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>775711104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>253</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROLLS ROYCE HOLDINGS PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>775781206</cusip>
    <value>435090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48702</Sole>
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      <None>12821</None>
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  <infoTable>
    <nameOfIssuer>ROLLS ROYCE HOLDINGS PLC</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>775781206</cusip>
    <value>24645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3485</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3485</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>776696106</cusip>
    <value>218124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>392</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>776696106</cusip>
    <value>3338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>778296103</cusip>
    <value>207854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1381</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1244</Sole>
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      <None>137</None>
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  <infoTable>
    <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>778296103</cusip>
    <value>1204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>1069181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15861</Sole>
      <Shared>0</Shared>
      <None>351</None>
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  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>5671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>86</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>1226455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2374</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>463924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>898</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>101416670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>176260</Sole>
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      <None>498</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>2828063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4929</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>2582755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10626</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>278546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>146</Sole>
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      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
    <cusip>78464A284</cusip>
    <value>6120542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>232680</Sole>
      <Shared>0</Shared>
      <None>306</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLOOMBERG</titleOfClass>
    <cusip>78464A284</cusip>
    <value>343664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13082</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13082</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
    <cusip>78464A409</cusip>
    <value>84084903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1013804</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1009077</Sole>
      <Shared>343</Shared>
      <None>4384</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
    <cusip>78464A409</cusip>
    <value>3044727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>36710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>84200429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1592895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1587210</Sole>
      <Shared>501</Shared>
      <None>5184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>5875283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>111148</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO LN TSR</titleOfClass>
    <cusip>78464A664</cusip>
    <value>2765690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>95139</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78467J100</cusip>
    <value>200367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78467J100</cusip>
    <value>130535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1759</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>317340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>11298636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19834</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19719</Sole>
      <Shared>0</Shared>
      <None>115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>1SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>406167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>713</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SH TSR</titleOfClass>
    <cusip>78468R101</cusip>
    <value>240632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8182</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>625660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6398</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG HIGH Y</titleOfClass>
    <cusip>78468R622</cusip>
    <value>19558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
    <cusip>78468R739</cusip>
    <value>13203357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>274270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>274270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>NUVEEN BLMBRG SH</titleOfClass>
    <cusip>78468R739</cusip>
    <value>1022686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21244</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAIA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78709Y105</cusip>
    <value>360739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAIA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78709Y105</cusip>
    <value>10056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>20801960</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74532</Sole>
      <Shared>0</Shared>
      <None>1468</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>79466L302</cusip>
    <value>1146844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>80105N105</cusip>
    <value>1174038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19824</Sole>
      <Shared>0</Shared>
      <None>548</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SANOFI</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>80105N105</cusip>
    <value>69789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE</nameOfIssuer>
    <titleOfClass>SPON ADR</titleOfClass>
    <cusip>803054204</cusip>
    <value>337693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1286</Sole>
      <Shared>0</Shared>
      <None>188</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP SE</nameOfIssuer>
    <titleOfClass>SPON ADR</titleOfClass>
    <cusip>803054204</cusip>
    <value>10309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>45</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>13621416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>321188</Sole>
      <Shared>0</Shared>
      <None>3518</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>693936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16542</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16542</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>754582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>52560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>811</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP GR ETF</titleOfClass>
    <cusip>808524300</cusip>
    <value>1362674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP VA ETF</titleOfClass>
    <cusip>808524409</cusip>
    <value>596666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7424</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US MID-CAP ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>263478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>15826722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>307315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>307020</Sole>
      <Shared>153</Shared>
      <None>142</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>421064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8176</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8176</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>474029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>1000 INDEX ETF</titleOfClass>
    <cusip>808524722</cusip>
    <value>637604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11532</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL US S</titleOfClass>
    <cusip>808524763</cusip>
    <value>558230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9371</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>3882550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>94420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>810186106</cusip>
    <value>421795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>810186106</cusip>
    <value>15952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>2104168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21364</Sole>
      <Shared>0</Shared>
      <None>468</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>160665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1667</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1667</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>14830585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>93723</Sole>
      <Shared>0</Shared>
      <None>2567</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1321491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8388</Sole>
      <Shared>192</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>6038001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>71772</Sole>
      <Shared>0</Shared>
      <None>975</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>758205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>14949605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>73583</Sole>
      <Shared>0</Shared>
      <None>1027</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>2141754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10689</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>7826755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>89035</Sole>
      <Shared>0</Shared>
      <None>108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>227138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2587</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>13733908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>303043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>299918</Sole>
      <Shared>0</Shared>
      <None>3125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>966584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19570</Sole>
      <Shared>1758</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>INDL</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>10204997</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74847</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>INDL</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>995890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6860</Sole>
      <Shared>493</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>43796311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>193995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>3482122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15424</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>COMMUNICATION</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>8832351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>97095</Sole>
      <Shared>0</Shared>
      <None>608</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>COMMUNICATION</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>1073771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11878</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>RL EST SEL SEC</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>2449881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>54304</Sole>
      <Shared>0</Shared>
      <None>540</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>RL EST SEL SEC</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>126058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2822</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>2744985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>33981</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>239512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>816851109</cusip>
    <value>856872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>816851109</cusip>
    <value>17896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>214</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>338973</value>
    <shrsOrPrnAmt>
      <sshPrnamt>379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>379</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>194977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEVEN &amp; I HLDGS CO LTD</nameOfIssuer>
    <titleOfClass>UNSPONSORD ADR</titleOfClass>
    <cusip>81783H105</cusip>
    <value>149874</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7916</Sole>
      <Shared>0</Shared>
      <None>2068</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEVEN &amp; I HLDGS CO LTD</nameOfIssuer>
    <titleOfClass>UNSPONSORD ADR</titleOfClass>
    <cusip>81783H105</cusip>
    <value>7745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>516</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>1422484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3727</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>83585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82982L103</cusip>
    <value>332002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>1SITEONE LANDSCAPE SUPPLY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82982L103</cusip>
    <value>8903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>59</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHAMPION HOMES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>830830105</cusip>
    <value>212558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2241</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHAMPION HOMES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>830830105</cusip>
    <value>11951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>832696405</cusip>
    <value>343560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2558</Sole>
      <Shared>0</Shared>
      <None>279</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOLVENTUM CORP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>83444M101</cusip>
    <value>302236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOLVENTUM CORP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>83444M101</cusip>
    <value>26423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>379</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>379</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SONOCO PRODS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>835495102</cusip>
    <value>357717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6548</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6548</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>1258552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13956</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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      <Sole>1625</Sole>
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    <titleOfClass>COM</titleOfClass>
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      <Sole>74545</Sole>
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      <None>194</None>
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  <infoTable>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>TECK RESOURCES LTD</nameOfIssuer>
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      <sshPrnamt>37918</sshPrnamt>
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      <Sole>37918</Sole>
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      <None>0</None>
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      <sshPrnamt>4805</sshPrnamt>
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    <votingAuthority>
      <Sole>3216</Sole>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>TOTALENERGIES SE</nameOfIssuer>
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    <cusip>89151E109</cusip>
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      <Sole>12746</Sole>
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      <sshPrnamt>425</sshPrnamt>
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    <nameOfIssuer>TRANSPORTADORA DE GAS SUR</nameOfIssuer>
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      <Sole>11400</Sole>
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    <nameOfIssuer>TRANSUNION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <votingAuthority>
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    <nameOfIssuer>TRANSUNION</nameOfIssuer>
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    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
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    <votingAuthority>
      <Sole>77624</Sole>
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    <titleOfClass>COM</titleOfClass>
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    <cusip>904767704</cusip>
    <value>873322</value>
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    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
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    <cusip>907818108</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>24177</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED AIRLS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>910047109</cusip>
    <value>8311759</value>
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    <votingAuthority>
      <Sole>144255</Sole>
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      <None>1412</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>910047109</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>5581</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>862895</value>
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      <Sole>6329</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>CL B</titleOfClass>
    <cusip>911312106</cusip>
    <value>111117</value>
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      <sshPrnamt>815</sshPrnamt>
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      <Sole>815</Sole>
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    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
    <value>550616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>603</Sole>
      <Shared>0</Shared>
      <None>77</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED RENTALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911363109</cusip>
    <value>198383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>US FOODS HLDG CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>912008109</cusip>
    <value>304363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3961</Sole>
      <Shared>0</Shared>
      <None>988</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>31446429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>52722</Sole>
      <Shared>0</Shared>
      <None>1062</None>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>1385106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2336</Sole>
      <Shared>33</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>UNIVERSAL DISPLAY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91347P105</cusip>
    <value>495993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2363</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91347P105</cusip>
    <value>12594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNUM GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91529Y106</cusip>
    <value>78639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>980</Sole>
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      <None>343</None>
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  <infoTable>
    <nameOfIssuer>UNUM GROUP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91529Y106</cusip>
    <value>556120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9356</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALE S A</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>91912E105</cusip>
    <value>333534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28556</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1418085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10502</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>734293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3011</Sole>
      <Shared>2427</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>INTRMDT MUNI ETF</titleOfClass>
    <cusip>92189H201</cusip>
    <value>10091339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>214938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>214938</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>10654835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>53796</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>1556355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7858</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA GRWTH IND</titleOfClass>
    <cusip>921910816</cusip>
    <value>1319351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4098</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4098</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP VAL ETF</titleOfClass>
    <cusip>921910840</cusip>
    <value>21224439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>165454</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP INDEX</titleOfClass>
    <cusip>921910873</cusip>
    <value>2462735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11918</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11918</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP INDEX</titleOfClass>
    <cusip>921910873</cusip>
    <value>11571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>56</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>SMLLCP 600 IDX</titleOfClass>
    <cusip>921932828</cusip>
    <value>12886834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>118264</Sole>
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      <None>860</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>SMLLCP 600 IDX</titleOfClass>
    <cusip>921932828</cusip>
    <value>2488031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22999</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>MIDCP 400 IDX</titleOfClass>
    <cusip>921932885</cusip>
    <value>10689333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>101196</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>MIDCP 400 IDX</titleOfClass>
    <cusip>921932885</cusip>
    <value>2425264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22960</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>1200550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15319</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>26801499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>337699</Sole>
      <Shared>0</Shared>
      <None>2897</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>33049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>420</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>63375485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1193863</Sole>
      <Shared>331</Shared>
      <None>5872</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>7028430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>133089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>132780</Sole>
      <Shared>309</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>21338120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166444</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>164831</Sole>
      <Shared>0</Shared>
      <None>1613</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>2375802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18532</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>4084525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6091</Sole>
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      <None>873</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>42815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>73</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>1VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE SMCAP ETF</titleOfClass>
    <cusip>922042718</cusip>
    <value>459124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3645</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>639450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>19026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>302</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>12075091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>252353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>250678</Sole>
      <Shared>43</Shared>
      <None>1632</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>2298426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>48034</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>60254934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1020924</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1016404</Sole>
      <Shared>697</Shared>
      <None>3823</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHORT TERM TREAS</titleOfClass>
    <cusip>92206C102</cusip>
    <value>807098</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>23875478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>299048</Sole>
      <Shared>324</Shared>
      <None>1251</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>327051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4118</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4118</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>1798370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20125</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>156648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1753</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>19803198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>327759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>325719</Sole>
      <Shared>420</Shared>
      <None>1620</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>257026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4254</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX</titleOfClass>
    <cusip>92206C730</cusip>
    <value>13246925</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50936</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000IDX</titleOfClass>
    <cusip>92206C730</cusip>
    <value>2823059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10855</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10855</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
    <cusip>92206C771</cusip>
    <value>6941569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>145988</Sole>
      <Shared>216</Shared>
      <None>832</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>MTG-BKD SECS ETF</titleOfClass>
    <cusip>92206C771</cusip>
    <value>82995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1758</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>24483223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>290346</Sole>
      <Shared>410</Shared>
      <None>1581</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>226627</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2706</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2706</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>922475108</cusip>
    <value>9808484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46034</Sole>
      <Shared>0</Shared>
      <None>702</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VEEVA SYS INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>922475108</cusip>
    <value>364124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1735</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92276F100</cusip>
    <value>12385426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>191567</Sole>
      <Shared>0</Shared>
      <None>1563</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VENTAS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92276F100</cusip>
    <value>484438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7326</Sole>
      <Shared>228</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>12551340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>245287</Sole>
      <Shared>0</Shared>
      <None>240</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>548824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10736</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10736</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>231456113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>438638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>436848</Sole>
      <Shared>106</Shared>
      <None>1684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>30953649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>58530</Sole>
      <Shared>131</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>6784095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40448</Sole>
      <Shared>13</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>827786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4937</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>6218467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25541</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25526</Sole>
      <Shared>8</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>317728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1305</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>1754729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15012</Sole>
      <Shared>0</Shared>
      <None>3000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>20263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>7153484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26372</Sole>
      <Shared>9</Shared>
      <None>374</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>351591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>8469301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42045</Sole>
      <Shared>12</Shared>
      <None>125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>656349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3269</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>1069830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4055</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>77829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>616361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2341</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>342277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>877663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2286</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>270670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>705</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>2713341</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15208</Sole>
      <Shared>0</Shared>
      <None>335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>204246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>431247</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>46255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>603413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>3214149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11351</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERALTO CORP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>92338C103</cusip>
    <value>136916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1181</Sole>
      <Shared>0</Shared>
      <None>43</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERALTO CORP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>92338C103</cusip>
    <value>130764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERANO HLDGS CORP</nameOfIssuer>
    <titleOfClass>COM SUB VTG SHS</titleOfClass>
    <cusip>92338D101</cusip>
    <value>156666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>47047</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>13093914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>291559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>291559</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>1515128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>27089</Sole>
      <Shared>6148</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERICEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92346J108</cusip>
    <value>152691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3614</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERICEL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92346J108</cusip>
    <value>80232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1899</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIRTU FINL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>928254101</cusip>
    <value>10493896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>344514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>344514</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIRTU FINL INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>928254101</cusip>
    <value>688335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13493</Sole>
      <Shared>9105</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>30435865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>108241</Sole>
      <Shared>0</Shared>
      <None>2455</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VISA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>3985950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14497</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>1VULCAN MATLS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929160109</cusip>
    <value>207606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>829</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>829</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92939U106</cusip>
    <value>7191955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>74776</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92939U106</cusip>
    <value>746645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6061</Sole>
      <Shared>1702</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABTEC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929740108</cusip>
    <value>348271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1916</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1537</Sole>
      <Shared>0</Shared>
      <None>379</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WABTEC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>929740108</cusip>
    <value>4544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>6466298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75178</Sole>
      <Shared>0</Shared>
      <None>4900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>690412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>70470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7865</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>201071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22150</Sole>
      <Shared>291</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC</nameOfIssuer>
    <titleOfClass>COM SER A</titleOfClass>
    <cusip>934423104</cusip>
    <value>4452335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>539677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>536684</Sole>
      <Shared>0</Shared>
      <None>2993</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WARNER BROS DISCOVERY INC</nameOfIssuer>
    <titleOfClass>COM SER A</titleOfClass>
    <cusip>934423104</cusip>
    <value>192794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23369</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>1264284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106L109</cusip>
    <value>203655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>981</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATSCO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>942622200</cusip>
    <value>2657135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5402</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WATSCO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>942622200</cusip>
    <value>58533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>119</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>949746101</cusip>
    <value>24446838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>432764</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>424615</Sole>
      <Shared>0</Shared>
      <None>8149</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLS FARGO CO NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>949746101</cusip>
    <value>1217641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20755</Sole>
      <Shared>0</Shared>
      <None>800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESCO INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>95082P105</cusip>
    <value>210814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1126</Sole>
      <Shared>0</Shared>
      <None>129</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN UN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>959802109</cusip>
    <value>7895417</value>
    <shrsOrPrnAmt>
      <sshPrnamt>661812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>661812</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN UN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>959802109</cusip>
    <value>503947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25783</Sole>
      <Shared>16459</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>969904101</cusip>
    <value>3828228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WILLIAMS SONOMA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>969904101</cusip>
    <value>796288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1972</Sole>
      <Shared>3168</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WINTRUST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>97650W108</cusip>
    <value>286410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2639</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US HIGH DIVIDEND</titleOfClass>
    <cusip>97717W208</cusip>
    <value>270706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2886</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US LARGECAP DIVD</titleOfClass>
    <cusip>97717W307</cusip>
    <value>201977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2571</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
    <titleOfClass>US MIDCAP DIVID</titleOfClass>
    <cusip>97717W505</cusip>
    <value>425299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8318</sshPrnamt>
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