<SEC-DOCUMENT>0000039263-16-000093.txt : 20161020
<SEC-HEADER>0000039263-16-000093.hdr.sgml : 20161020
<ACCEPTANCE-DATETIME>20161020110715
ACCESSION NUMBER:		0000039263-16-000093
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20160930
FILED AS OF DATE:		20161020
DATE AS OF CHANGE:		20161020
EFFECTIVENESS DATE:		20161020

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CULLEN/FROST BANKERS, INC.
		CENTRAL INDEX KEY:			0000039263
		STANDARD INDUSTRIAL CLASSIFICATION:	NATIONAL COMMERCIAL BANKS [6021]
		IRS NUMBER:				741751768
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-00183
		FILM NUMBER:		161943826

	BUSINESS ADDRESS:	
		STREET 1:		100 W HOUSTON ST
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78205
		BUSINESS PHONE:		210-220-4011

	MAIL ADDRESS:	
		STREET 1:		POST OFFICE BOX 1600
		CITY:			SAN ANTONIO
		STATE:			TX
		ZIP:			78296-1600

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CULLEN FROST BANKERS INC
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FROST BANK CORP
		DATE OF NAME CHANGE:	19770823
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
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      <filer>
        <credentials>
          <cik>0000039263</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>09-30-2016</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>09-30-2016</reportCalendarOrQuarter>
      <filingManager>
        <name>CULLEN/FROST BANKERS, INC.</name>
        <address>
          <com:street1>POST OFFICE BOX 1600</com:street1>
          <com:city>SAN ANTONIO</com:city>
          <com:stateOrCountry>TX</com:stateOrCountry>
          <com:zipCode>78296-1600</com:zipCode>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-00183</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Stan McCormick</name>
      <title>Corporate Secretary - Sr. V.P.</title>
      <phone>210-220-4310</phone>
      <signature>Stan McCormick</signature>
      <city>San Antonio</city>
      <stateOrCountry>TX</stateOrCountry>
      <signatureDate>10-05-2016</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>652</tableEntryTotal>
      <tableValueTotal>2784104</tableValueTotal>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>31804</Sole>
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      <None>0</None>
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    <cusip>030420103</cusip>
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      <sshPrnamt>59379</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>58979</Sole>
      <Shared>0</Shared>
      <None>400</None>
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  <infoTable>
    <nameOfIssuer>AMERICAN WTR WKS CO INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>030420103</cusip>
    <value>545</value>
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      <sshPrnamt>7280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7280</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>03076C106</cusip>
    <value>1418</value>
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      <sshPrnamt>14209</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14209</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AMERIPRISE FINANCIAL INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>03076C106</cusip>
    <value>349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AMGEN INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>031162100</cusip>
    <value>8467</value>
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      <sshPrnamt>50760</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>49087</Sole>
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      <None>1673</None>
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  <infoTable>
    <nameOfIssuer>AMGEN INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>031162100</cusip>
    <value>1412</value>
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      <sshPrnamt>8466</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8466</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANADARKO PETROLEUM CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>032511107</cusip>
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      <sshPrnamt>19010</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18160</Sole>
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      <None>850</None>
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  <infoTable>
    <nameOfIssuer>ANADARKO PETROLEUM CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>032511107</cusip>
    <value>172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2713</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2713</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANALOG DEVICES INC COM</nameOfIssuer>
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    <cusip>032654105</cusip>
    <value>2092</value>
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      <sshPrnamt>32465</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32465</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANNALY CAPITAL MGMT INC REIT C</nameOfIssuer>
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    <value>1539</value>
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      <sshPrnamt>146538</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>146538</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ANNALY CAPITAL MGMT INC REIT C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>035710409</cusip>
    <value>22</value>
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      <sshPrnamt>2081</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2081</Sole>
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      <None>0</None>
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    <nameOfIssuer>APPLE INC COM *</nameOfIssuer>
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    <cusip>037833100</cusip>
    <value>62206</value>
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      <sshPrnamt>550256</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>544547</Sole>
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      <None>5709</None>
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  <infoTable>
    <nameOfIssuer>APPLE INC COM *</nameOfIssuer>
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    <cusip>037833100</cusip>
    <value>6972</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>61601</Sole>
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      <None>70</None>
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    <nameOfIssuer>APPLIED MATERIALS INC COM *</nameOfIssuer>
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    <cusip>038222105</cusip>
    <value>452</value>
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      <sshPrnamt>15005</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15005</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>APPLIED MATERIALS INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>038222105</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>AQUA AMERICA INC COM*</nameOfIssuer>
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    <cusip>03836W103</cusip>
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      <sshPrnamt>101723</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100973</Sole>
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      <None>750</None>
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  <infoTable>
    <nameOfIssuer>AQUA AMERICA INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>03836W103</cusip>
    <value>575</value>
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      <sshPrnamt>18856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18856</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AT &amp; T INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>00206R102</cusip>
    <value>31565</value>
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      <sshPrnamt>777281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>684315</Sole>
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      <None>92966</None>
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  <infoTable>
    <nameOfIssuer>AT &amp; T INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>00206R102</cusip>
    <value>5380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>132411</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ATMOS ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>049560105</cusip>
    <value>1618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21723</Sole>
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      <None>0</None>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053015103</cusip>
    <value>4169</value>
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      <sshPrnamt>47263</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>47263</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053015103</cusip>
    <value>606</value>
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      <sshPrnamt>6867</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6867</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AZZ INC</nameOfIssuer>
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    <cusip>002474104</cusip>
    <value>303</value>
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      <sshPrnamt>4636</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4636</Sole>
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      <None>0</None>
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    <nameOfIssuer>BALL CORP COM</nameOfIssuer>
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    <value>131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1600</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BALL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>058498106</cusip>
    <value>524</value>
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      <sshPrnamt>6400</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6400</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANK OF AMERICA CORP COM*</nameOfIssuer>
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    <cusip>060505104</cusip>
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      <sshPrnamt>156908</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>156908</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BANK OF AMERICA CORP COM*</nameOfIssuer>
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    <cusip>060505104</cusip>
    <value>94</value>
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      <sshPrnamt>5990</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5990</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANK OF NEW YORK MELLON CORP C</nameOfIssuer>
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    <value>2932</value>
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      <sshPrnamt>73520</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>68099</Sole>
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      <None>5421</None>
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  <infoTable>
    <nameOfIssuer>BANK OF NEW YORK MELLON CORP C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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    <value>1251</value>
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      <sshPrnamt>31374</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>31374</Sole>
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      <None>0</None>
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    <nameOfIssuer>BARD C. R. INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>067383109</cusip>
    <value>488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2176</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2176</Sole>
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      <None>0</None>
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    <nameOfIssuer>BAXTER INTERNATIONAL INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>071813109</cusip>
    <value>1175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23095</Sole>
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      <None>1600</None>
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  <infoTable>
    <nameOfIssuer>BAXTER INTERNATIONAL INC COM *</nameOfIssuer>
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    <cusip>071813109</cusip>
    <value>231</value>
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      <sshPrnamt>4859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4859</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BB&amp;T CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>054937107</cusip>
    <value>3605</value>
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      <sshPrnamt>95572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>94152</Sole>
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      <None>1420</None>
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  <infoTable>
    <nameOfIssuer>BB&amp;T CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>054937107</cusip>
    <value>119</value>
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      <sshPrnamt>3160</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3160</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>075887109</cusip>
    <value>14943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83141</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>82341</Sole>
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      <None>800</None>
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  <infoTable>
    <nameOfIssuer>BECTON DICKINSON &amp; CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>075887109</cusip>
    <value>668</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3719</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BEMIS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>081437105</cusip>
    <value>170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3334</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BEMIS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>081437105</cusip>
    <value>204</value>
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      <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>BERKSHIRE HATHAWAY INC CL B CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670702</cusip>
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      <sshPrnamt>44085</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>37451</Sole>
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    <cusip>09062X103</cusip>
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    <cusip>09247X101</cusip>
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    <cusip>097023105</cusip>
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    <cusip>099724106</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>926</Sole>
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      <None>0</None>
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    <cusip>110122108</cusip>
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      <Sole>326976</Sole>
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      <None>6976</None>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO COM *</nameOfIssuer>
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    <cusip>110122108</cusip>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>BROADRIDGE FINANCIAL SOLUTIONS</nameOfIssuer>
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    <cusip>11133T103</cusip>
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    <nameOfIssuer>BROADRIDGE FINANCIAL SOLUTIONS</nameOfIssuer>
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    <cusip>11133T103</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>BROWN-FORMAN CORP CL B COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>13216</Sole>
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      <None>0</None>
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    <nameOfIssuer>CAPITAL ONE FINANCIAL CORP COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>290292</Sole>
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    <nameOfIssuer>CAPITAL ONE FINANCIAL CORP COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14212</Sole>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12676</Sole>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC COM*</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>921</Sole>
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    <nameOfIssuer>CATERPILLAR INC COM *</nameOfIssuer>
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    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC CL</nameOfIssuer>
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    <nameOfIssuer>CISCO SYSTEMS INC COM*</nameOfIssuer>
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    <nameOfIssuer>CISCO SYSTEMS INC COM*</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>362284</Sole>
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      <Sole>32402</Sole>
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    <cusip>189054109</cusip>
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      <Sole>30076</Sole>
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    <nameOfIssuer>CLOROX CO COM *</nameOfIssuer>
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    <cusip>189054109</cusip>
    <value>1941</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15507</Sole>
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      <None>0</None>
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    <nameOfIssuer>CME GROUP INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>543</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CME GROUP INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>COCA COLA CO COM*</nameOfIssuer>
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    <cusip>191216100</cusip>
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      <sshPrnamt>329897</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>327747</Sole>
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      <None>2150</None>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>191216100</cusip>
    <value>1238</value>
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      <sshPrnamt>29265</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>28765</Sole>
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      <None>500</None>
    </votingAuthority>
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    <nameOfIssuer>COGNIZANT TECH SOLUTIONS CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>192446102</cusip>
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      <sshPrnamt>338914</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>337324</Sole>
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      <None>1590</None>
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    <nameOfIssuer>COGNIZANT TECH SOLUTIONS CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>192446102</cusip>
    <value>1504</value>
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      <sshPrnamt>31530</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>31530</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>COLGATE-PALMOLIVE CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>194162103</cusip>
    <value>4631</value>
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      <sshPrnamt>62467</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>62467</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COLGATE-PALMOLIVE CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>194162103</cusip>
    <value>658</value>
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      <sshPrnamt>8874</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8274</Sole>
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      <None>600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COMCAST CORPORATION NEW CL A C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>20030N101</cusip>
    <value>9007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135767</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>135767</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COMCAST CORPORATION NEW CL A C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>20030N101</cusip>
    <value>725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10929</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10929</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>COMERICA INC COM</nameOfIssuer>
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    <cusip>200340107</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5900</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5900</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CONAGRA FOODS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>205887102</cusip>
    <value>830</value>
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      <sshPrnamt>17625</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17625</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONAGRA FOODS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>205887102</cusip>
    <value>175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3705</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CONOCOPHILLIPS COM*</nameOfIssuer>
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    <cusip>20825C104</cusip>
    <value>2237</value>
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      <sshPrnamt>51454</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45676</Sole>
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      <None>5778</None>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>20825C104</cusip>
    <value>525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12081</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>209115104</cusip>
    <value>397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5271</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>209115104</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>482</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORNING INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>219350105</cusip>
    <value>26856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1135560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1130160</Sole>
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      <None>5400</None>
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  <infoTable>
    <nameOfIssuer>CORNING INC COM*</nameOfIssuer>
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    <cusip>219350105</cusip>
    <value>1390</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>58755</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>COSTCO WHOLESALE CORP NEW COM*</nameOfIssuer>
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    <cusip>22160K105</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>156712</Sole>
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      <None>4018</None>
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    <nameOfIssuer>COSTCO WHOLESALE CORP NEW COM*</nameOfIssuer>
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    <cusip>22160K105</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>26558</Sole>
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      <None>0</None>
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    <nameOfIssuer>CULLEN/FROST BANKERS INC COM</nameOfIssuer>
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    <cusip>229899109</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>319426</Sole>
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    <nameOfIssuer>CULLEN/FROST BANKERS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>229899109</cusip>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4077</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CUMMINS INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>231021106</cusip>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21434</Sole>
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      <None>160</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CUMMINS INC*</nameOfIssuer>
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    <cusip>231021106</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3514</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CVS HEALTH CORP COM *</nameOfIssuer>
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    <cusip>126650100</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>187447</Sole>
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      <None>3174</None>
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  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP COM *</nameOfIssuer>
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    <cusip>126650100</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19820</Sole>
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      <None>0</None>
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    <nameOfIssuer>D R HORTON INC*</nameOfIssuer>
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    <cusip>23331A109</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9819</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9819</Sole>
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      <None>0</None>
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    <nameOfIssuer>DANAHER CORPORATION COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>235851102</cusip>
    <value>10889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138912</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>137647</Sole>
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      <None>1265</None>
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  <infoTable>
    <nameOfIssuer>DANAHER CORPORATION COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>235851102</cusip>
    <value>413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5268</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4868</Sole>
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      <None>400</None>
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    <nameOfIssuer>DARDEN RESTAURANTS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>237194105</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2028</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2028</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>237194105</cusip>
    <value>147</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2400</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DEERE &amp; CO COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>244199105</cusip>
    <value>1568</value>
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      <sshPrnamt>18375</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18375</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DEERE &amp; CO COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>244199105</cusip>
    <value>340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3982</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DENBURY RESOURCES INC (HOLDING</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>247916208</cusip>
    <value>982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>304151</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEUTSCHE X-TRACKERS MSCI EAFE</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>233051200</cusip>
    <value>753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28529</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORPORATION NEW C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25179M103</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6602</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY (WALT) COMPANY HOLDING</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>254687106</cusip>
    <value>33952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>361499</Sole>
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      <None>4127</None>
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  <infoTable>
    <nameOfIssuer>DISNEY (WALT) COMPANY HOLDING</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>254687106</cusip>
    <value>3704</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>39885</Sole>
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      <None>0</None>
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    <nameOfIssuer>DOLLAR GENERAL CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>256677105</cusip>
    <value>12068</value>
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      <sshPrnamt>172424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>169520</Sole>
      <Shared>0</Shared>
      <None>2904</None>
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  <infoTable>
    <nameOfIssuer>DOLLAR GENERAL CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>256677105</cusip>
    <value>1386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19797</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19797</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DOMINION RES INC VA NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25746U109</cusip>
    <value>1755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23629</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINION RES INC VA NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25746U109</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2789</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DONALDSON INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>257651109</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DOVER CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260003108</cusip>
    <value>1011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13726</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOVER CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260003108</cusip>
    <value>184</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DOW CHEMICAL CO COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260543103</cusip>
    <value>21035</value>
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      <sshPrnamt>405850</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>399105</Sole>
      <Shared>0</Shared>
      <None>6745</None>
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  <infoTable>
    <nameOfIssuer>DOW CHEMICAL CO COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260543103</cusip>
    <value>2029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>39138</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DTE ENERGY COMPANY COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>233331107</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2207</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>263534109</cusip>
    <value>4907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73275</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>73275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>263534109</cusip>
    <value>484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DUKE ENERGY CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26441C204</cusip>
    <value>5544</value>
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      <sshPrnamt>69267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>64659</Sole>
      <Shared>0</Shared>
      <None>4608</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26441C204</cusip>
    <value>2450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30614</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EAST WEST BANCORP INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>27579R104</cusip>
    <value>336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EBAY INCORPORATED COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278642103</cusip>
    <value>14848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>440548</Sole>
      <Shared>0</Shared>
      <None>10750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INCORPORATED COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278642103</cusip>
    <value>1769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>53781</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278865100</cusip>
    <value>97</value>
    <shrsOrPrnAmt>
      <sshPrnamt>796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>196</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278865100</cusip>
    <value>359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDGEWELL PERSONAL CARE CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>28035Q102</cusip>
    <value>470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5907</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>285512109</cusip>
    <value>7502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>86544</Sole>
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      <None>1300</None>
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  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>285512109</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2995</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>532457108</cusip>
    <value>4329</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53942</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>51143</Sole>
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      <None>2799</None>
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  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>532457108</cusip>
    <value>1036</value>
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      <sshPrnamt>12902</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12902</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMERSON ELECTRIC CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>291011104</cusip>
    <value>4122</value>
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      <sshPrnamt>75616</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>74728</Sole>
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      <None>888</None>
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  <infoTable>
    <nameOfIssuer>EMERSON ELECTRIC CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>291011104</cusip>
    <value>1085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19905</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19905</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>29272W109</cusip>
    <value>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5907</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5907</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EOG RESOURCES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26875P101</cusip>
    <value>2087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21084</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EOG RESOURCES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26875P101</cusip>
    <value>146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1514</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>EVERSOURCE ENERGY COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30040W108</cusip>
    <value>328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6048</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXELON CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30161N101</cusip>
    <value>239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7188</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXELON CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30161N101</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXPRESS SCRIPTS HLDG CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30219G108</cusip>
    <value>915</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11273</Sole>
      <Shared>0</Shared>
      <None>1700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPRESS SCRIPTS HLDG CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30219G108</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>584</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30231G102</cusip>
    <value>67613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>774672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>773019</Sole>
      <Shared>703</Shared>
      <None>950</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30231G102</cusip>
    <value>12880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>147238</Sole>
      <Shared>0</Shared>
      <None>328</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30303M102</cusip>
    <value>43955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>342676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>338983</Sole>
      <Shared>0</Shared>
      <None>3693</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30303M102</cusip>
    <value>2510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31428X106</cusip>
    <value>1982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11346</Sole>
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      <None>0</None>
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    <cusip>31428X106</cusip>
    <value>409</value>
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      <sshPrnamt>2344</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2344</Sole>
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      <None>0</None>
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    <cusip>31620R303</cusip>
    <value>17894</value>
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      <sshPrnamt>484802</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>482402</Sole>
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      <None>2400</None>
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  <infoTable>
    <nameOfIssuer>FNF GROUP TRACKING STOCK*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31620R303</cusip>
    <value>874</value>
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      <sshPrnamt>23682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23682</Sole>
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      <None>0</None>
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    <nameOfIssuer>FORD MOTOR COMPANY COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>345370860</cusip>
    <value>2238</value>
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      <sshPrnamt>185401</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>160795</Sole>
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      <None>24606</None>
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  <infoTable>
    <nameOfIssuer>FORD MOTOR COMPANY COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>345370860</cusip>
    <value>1499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124170</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>124170</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>FORESTAR GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>346233109</cusip>
    <value>351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29940</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29940</Sole>
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      <None>0</None>
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    <nameOfIssuer>FORTIVE CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>34959J108</cusip>
    <value>3677</value>
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      <sshPrnamt>72232</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>71600</Sole>
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      <None>632</None>
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  <infoTable>
    <nameOfIssuer>FORTIVE CORP COM*</nameOfIssuer>
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    <cusip>34959J108</cusip>
    <value>134</value>
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      <sshPrnamt>2624</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2424</Sole>
      <Shared>0</Shared>
      <None>200</None>
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    <nameOfIssuer>GENERAL DYNAMICS CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369550108</cusip>
    <value>1437</value>
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      <sshPrnamt>9262</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8762</Sole>
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      <None>500</None>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369550108</cusip>
    <value>403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2599</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GENERAL ELECTRIC CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369604103</cusip>
    <value>38413</value>
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      <sshPrnamt>1296864</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1278508</Sole>
      <Shared>0</Shared>
      <None>18356</None>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369604103</cusip>
    <value>4074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>136932</Sole>
      <Shared>0</Shared>
      <None>600</None>
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    <nameOfIssuer>GENERAL MILLS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>370334104</cusip>
    <value>935</value>
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      <sshPrnamt>14644</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14644</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MILLS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>370334104</cusip>
    <value>716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11211</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11211</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>GILEAD SCIENCES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>375558103</cusip>
    <value>16113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203647</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>201476</Sole>
      <Shared>0</Shared>
      <None>2171</None>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>375558103</cusip>
    <value>2054</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25958</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X SCIENTIFIC BETA US ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>37954Y103</cusip>
    <value>226</value>
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      <sshPrnamt>8689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8689</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GRAINGER W W INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>384802104</cusip>
    <value>25</value>
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      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>110</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GRAINGER W W INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>384802104</cusip>
    <value>382</value>
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      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GUGGENHEIM S&amp;P 500 EQUAL WEIGH</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78355W106</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2711</Sole>
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      <None>0</None>
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    <nameOfIssuer>HALLIBURTON CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>406216101</cusip>
    <value>1277</value>
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      <sshPrnamt>28456</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28456</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HALLIBURTON CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>406216101</cusip>
    <value>122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2728</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HANESBRANDS INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>410345102</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10580</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10580</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>43300A104</cusip>
    <value>8085</value>
    <shrsOrPrnAmt>
      <sshPrnamt>352591</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>349391</Sole>
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      <None>3200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>43300A104</cusip>
    <value>454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19804</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19804</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HOLLYFRONTIER CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>436106108</cusip>
    <value>361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14748</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14748</Sole>
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      <None>0</None>
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    <nameOfIssuer>HOME DEPOT INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>437076102</cusip>
    <value>32342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>251337</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>247346</Sole>
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      <None>3991</None>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>437076102</cusip>
    <value>3719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28898</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>28498</Sole>
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      <None>400</None>
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    <nameOfIssuer>HONEYWELL INTERNATIONAL INC CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>438516106</cusip>
    <value>12860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110304</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>110279</Sole>
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      <None>25</None>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTERNATIONAL INC CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>438516106</cusip>
    <value>974</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8350</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8350</Sole>
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      <None>0</None>
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    <nameOfIssuer>HP INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>40434L105</cusip>
    <value>147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9454</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9454</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HP INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>40434L105</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3315</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3315</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HUMANA INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>444859102</cusip>
    <value>199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1123</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HUMANA INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>444859102</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>155</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HUNTINGTON BANCSHARES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>446150104</cusip>
    <value>1706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>145124</Sole>
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      <None>27905</None>
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  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>446150104</cusip>
    <value>1130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114572</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>114572</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WORKS INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452308109</cusip>
    <value>1052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8778</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WORKS INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452308109</cusip>
    <value>395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3300</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ILLUMINA INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452327109</cusip>
    <value>1629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8967</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8967</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ILLUMINA INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452327109</cusip>
    <value>49</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>270</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>9005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>238537</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>238037</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22598</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22598</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTL BUSINESS MACHINES CORP CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>459200101</cusip>
    <value>6268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>38661</Sole>
      <Shared>0</Shared>
      <None>800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTL BUSINESS MACHINES CORP CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>459200101</cusip>
    <value>931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5864</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46120E602</cusip>
    <value>1011</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1235</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46120E602</cusip>
    <value>78</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES COHEN AND STEERS REIT</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287564</cusip>
    <value>40622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>387243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>386743</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES COHEN AND STEERS REIT</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287564</cusip>
    <value>4823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>45977</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S &amp; P MID-CAP ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287507</cusip>
    <value>2982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18539</Sole>
      <Shared>0</Shared>
      <None>733</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S &amp; P MID-CAP ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287507</cusip>
    <value>406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S &amp; P SMALL-CAP E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287804</cusip>
    <value>1278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10294</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287200</cusip>
    <value>724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3327</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE TOTAL US BD MKT E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287226</cusip>
    <value>4334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>38549</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE TOTAL US BD MKT E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287226</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>340</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GLOBAL ENERGY ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287341</cusip>
    <value>4604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>140070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GLOBAL ENERGY ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287341</cusip>
    <value>103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3132</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TRUST ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464285105</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2068</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TRUST ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464285105</cusip>
    <value>103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8092</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX USD H/Y CORP BON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464288513</cusip>
    <value>1094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12534</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX USD H/Y CORP BON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464288513</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX USD INV GR CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287242</cusip>
    <value>393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES JP MORGAN USD EMERGING</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464288281</cusip>
    <value>1277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10304</Sole>
      <Shared>0</Shared>
      <None>591</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES JP MORGAN USD EMERGING</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464288281</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>860</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287465</cusip>
    <value>20332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>343857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>343857</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287465</cusip>
    <value>2234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>37777</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING MKTS ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287234</cusip>
    <value>5233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139724</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>139724</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING MKTS ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287234</cusip>
    <value>409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NASDAQ BIOTECH ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287556</cusip>
    <value>328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1134</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287499</cusip>
    <value>913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287614</cusip>
    <value>19936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>191378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>191378</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287614</cusip>
    <value>24425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>234472</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287598</cusip>
    <value>28610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270878</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>270878</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287598</cusip>
    <value>2737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25914</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25914</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287655</cusip>
    <value>2478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19951</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287655</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 GROWTH ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287648</cusip>
    <value>5602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>37623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 GROWTH ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287648</cusip>
    <value>138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 VALUE ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287630</cusip>
    <value>332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 VALUE ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287630</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>565</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400 GROWTH</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287606</cusip>
    <value>2520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14424</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400 GROWTH</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287606</cusip>
    <value>35</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>ISHARES S&amp;P MIDCAP 400/VALUE E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287705</cusip>
    <value>19251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>142483</Sole>
      <Shared>0</Shared>
      <None>2260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/VALUE E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287705</cusip>
    <value>140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 GROWTH ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287309</cusip>
    <value>947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7786</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SELECT DIVIDEND ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287168</cusip>
    <value>17097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>199117</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SELECT DIVIDEND ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287168</cusip>
    <value>1292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TIPS BOND ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287176</cusip>
    <value>2807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>24098</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TIPS BOND ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287176</cusip>
    <value>120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1027</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 1-3 YR TREAS BD ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287457</cusip>
    <value>1944</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>22856</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 1-3 YR TREAS BD ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287457</cusip>
    <value>85</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 7-10 YR TREAS BD ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287440</cusip>
    <value>632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5652</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES 7-10 YR TREAS BD ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287440</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>34</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478160104</cusip>
    <value>20268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>171576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>170576</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478160104</cusip>
    <value>4503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>38116</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G51502105</cusip>
    <value>14822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>318551</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G51502105</cusip>
    <value>1010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46625H100</cusip>
    <value>13462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>193253</Sole>
      <Shared>0</Shared>
      <None>8905</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46625H100</cusip>
    <value>2993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>44744</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KANSAS CITY SOUTHERN COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>485170302</cusip>
    <value>18541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>196241</Sole>
      <Shared>0</Shared>
      <None>2441</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KANSAS CITY SOUTHERN COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>485170302</cusip>
    <value>1632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17487</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>487836108</cusip>
    <value>1582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>487836108</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>494368103</cusip>
    <value>5574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43191</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>494368103</cusip>
    <value>450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>49456B101</cusip>
    <value>3552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>153559</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>49456B101</cusip>
    <value>142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6148</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO COM (THE)*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>500754106</cusip>
    <value>6426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>71188</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO COM (THE)*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>500754106</cusip>
    <value>1049</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11721</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>501044101</cusip>
    <value>384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12926</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>501044101</cusip>
    <value>55</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1852</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>50540R409</cusip>
    <value>3508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21874</Sole>
      <Shared>0</Shared>
      <None>3640</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>50540R409</cusip>
    <value>2475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18004</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORPORATION COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>512807108</cusip>
    <value>13474</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>141470</Sole>
      <Shared>0</Shared>
      <None>800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORPORATION COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>512807108</cusip>
    <value>645</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6809</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6809</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>517834107</cusip>
    <value>14795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>252978</Sole>
      <Shared>0</Shared>
      <None>4155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>517834107</cusip>
    <value>1679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>29175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEGACY TEXAS FINANCIAL GROUP I</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>52471Y106</cusip>
    <value>20249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>640169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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    <cusip>539830109</cusip>
    <value>158</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>660</Sole>
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      <None>0</None>
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    <cusip>548661107</cusip>
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      <sshPrnamt>307248</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>302825</Sole>
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      <None>4423</None>
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    <cusip>548661107</cusip>
    <value>2159</value>
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      <sshPrnamt>29901</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>29901</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>17614</Sole>
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      <None>2864</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>550021109</cusip>
    <value>704</value>
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      <sshPrnamt>11539</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <cusip>56585A102</cusip>
    <value>238</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5866</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARATHON PETROLEUM CORP COM*</nameOfIssuer>
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    <cusip>56585A102</cusip>
    <value>10</value>
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      <sshPrnamt>248</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>248</Sole>
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      <None>0</None>
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    <nameOfIssuer>MARRIOTT INTERNATIONAL INC CLA</nameOfIssuer>
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    <cusip>571903202</cusip>
    <value>273</value>
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      <sshPrnamt>4058</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4058</Sole>
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      <None>0</None>
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    <cusip>57636Q104</cusip>
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      <sshPrnamt>186412</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>185882</Sole>
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      <None>530</None>
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    <cusip>57636Q104</cusip>
    <value>1243</value>
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      <sshPrnamt>12215</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12215</Sole>
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      <None>0</None>
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    <nameOfIssuer>MAXIM INTEGRATED PRODUCTS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>57772K101</cusip>
    <value>1464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36673</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>33773</Sole>
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      <None>2900</None>
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  <infoTable>
    <nameOfIssuer>MAXIM INTEGRATED PRODUCTS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>57772K101</cusip>
    <value>71</value>
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      <sshPrnamt>1766</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1766</Sole>
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      <None>0</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>580135101</cusip>
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      <sshPrnamt>68616</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>68616</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCDONALD'S CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>580135101</cusip>
    <value>1110</value>
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      <sshPrnamt>9623</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9623</Sole>
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      <None>0</None>
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    <nameOfIssuer>MERCK &amp; CO INC NEW COM*</nameOfIssuer>
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    <cusip>58933Y105</cusip>
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      <sshPrnamt>198342</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>191739</Sole>
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      <None>6603</None>
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    <nameOfIssuer>MERCK &amp; CO INC NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>2902</value>
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      <sshPrnamt>46498</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>46398</Sole>
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      <None>100</None>
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    <nameOfIssuer>METLIFE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>59156R108</cusip>
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      <sshPrnamt>30049</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28319</Sole>
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      <None>1730</None>
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  <infoTable>
    <nameOfIssuer>METLIFE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>59156R108</cusip>
    <value>98</value>
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      <sshPrnamt>2200</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2200</Sole>
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      <None>0</None>
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    <nameOfIssuer>MICROCHIP TECHNOLOGY INC COM</nameOfIssuer>
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    <cusip>595017104</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3500</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3500</Sole>
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      <None>0</None>
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    <nameOfIssuer>MICROSOFT CORP COM*</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>702805</Sole>
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      <None>6636</None>
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    <nameOfIssuer>MICROSOFT CORP COM*</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>65260</Sole>
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      <None>0</None>
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    <nameOfIssuer>MONDELEZ INTL INC COM*</nameOfIssuer>
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      <sshPrnamt>52700</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>52700</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC COM*</nameOfIssuer>
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    <cusip>609207105</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16718</Sole>
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      <None>0</None>
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    <cusip>61166W101</cusip>
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      <sshPrnamt>14986</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14986</Sole>
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  <infoTable>
    <nameOfIssuer>MONSANTO CO NEW COM*</nameOfIssuer>
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    <cusip>61166W101</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2456</Sole>
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      <None>0</None>
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    <cusip>615369105</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>95469</Sole>
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      <None>1220</None>
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    <nameOfIssuer>MOODYS CORP COM*</nameOfIssuer>
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    <cusip>615369105</cusip>
    <value>482</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4453</Sole>
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      <None>0</None>
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    <nameOfIssuer>NASDAQ INC COM*</nameOfIssuer>
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    <cusip>631103108</cusip>
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      <sshPrnamt>335288</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>333448</Sole>
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      <None>1840</None>
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    <nameOfIssuer>NASDAQ INC COM*</nameOfIssuer>
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    <cusip>631103108</cusip>
    <value>1250</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18501</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NATIONAL INSTRUMENTS CORP COM</nameOfIssuer>
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    <cusip>636518102</cusip>
    <value>128</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4500</Sole>
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      <None>0</None>
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    <nameOfIssuer>NATIONAL INSTRUMENTS CORP COM</nameOfIssuer>
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    <cusip>636518102</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5415</Sole>
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      <None>0</None>
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    <nameOfIssuer>NETFLIX INC COM*</nameOfIssuer>
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    <cusip>64110L106</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>90830</Sole>
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      <None>1971</None>
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  <infoTable>
    <nameOfIssuer>NETFLIX INC COM*</nameOfIssuer>
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    <cusip>64110L106</cusip>
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      <sshPrnamt>14086</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14086</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEWELL BRANDS INC COM*</nameOfIssuer>
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    <cusip>651229106</cusip>
    <value>835</value>
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      <sshPrnamt>15857</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15857</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEWELL BRANDS INC COM*</nameOfIssuer>
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    <cusip>651229106</cusip>
    <value>83</value>
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      <sshPrnamt>1576</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1576</Sole>
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      <None>0</None>
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    <cusip>65339F101</cusip>
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      <sshPrnamt>43704</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43704</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65339F101</cusip>
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      <sshPrnamt>2225</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2225</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NIKE INC CLASS B *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654106103</cusip>
    <value>13040</value>
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      <sshPrnamt>247666</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>240344</Sole>
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      <None>7322</None>
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  <infoTable>
    <nameOfIssuer>NIKE INC CLASS B *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654106103</cusip>
    <value>1824</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>34649</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NORDSON CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>655663102</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORDSON CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>655663102</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>655844108</cusip>
    <value>3218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33155</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32315</Sole>
      <Shared>0</Shared>
      <None>840</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>655844108</cusip>
    <value>463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4772</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4772</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>666807102</cusip>
    <value>1058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4947</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>666807102</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>O'REILLY AUTOMOTIVE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>67103H107</cusip>
    <value>2302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8218</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8218</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>O'REILLY AUTOMOTIVE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>67103H107</cusip>
    <value>141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>305</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETROLEUM CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>674599105</cusip>
    <value>20532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>281571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>279172</Sole>
      <Shared>0</Shared>
      <None>2399</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETROLEUM CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>674599105</cusip>
    <value>1904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>26113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ONEOK INC NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>682680103</cusip>
    <value>514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORPORATION*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68389X105</cusip>
    <value>1272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32395</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORPORATION*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68389X105</cusip>
    <value>731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693718108</cusip>
    <value>1129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19199</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACCAR INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693718108</cusip>
    <value>260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4431</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACIFIC PREMIER BANCORP INC CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>69478X105</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>697435105</cusip>
    <value>7830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>49141</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>697435105</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1311</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>15459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>377323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>369018</Sole>
      <Shared>0</Shared>
      <None>8305</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>1647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>40188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>713448108</cusip>
    <value>19386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>173881</Sole>
      <Shared>0</Shared>
      <None>4350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>713448108</cusip>
    <value>4371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>40189</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>717081103</cusip>
    <value>10093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>297997</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>717081103</cusip>
    <value>551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INT'L INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718172109</cusip>
    <value>7040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>72215</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INT'L INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718172109</cusip>
    <value>3250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>33429</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66 COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718546104</cusip>
    <value>1181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13242</Sole>
      <Shared>0</Shared>
      <None>1424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PHILLIPS 66 COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718546104</cusip>
    <value>292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3628</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3628</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NATURAL RESOURCES CO C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>723787107</cusip>
    <value>10701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>56237</Sole>
      <Shared>0</Shared>
      <None>1403</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PIONEER NATURAL RESOURCES CO C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>723787107</cusip>
    <value>1429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7696</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINANCIAL SERVICES GROUP C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693475105</cusip>
    <value>1522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16895</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PNC FINANCIAL SERVICES GROUP C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693475105</cusip>
    <value>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES DYNAMIC LG CAP VAL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73935X708</cusip>
    <value>6222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197641</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>197641</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES DYNAMIC LG CAP VAL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73935X708</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES KBW HIGH DIVIDEND</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936Q793</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9343</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES KBW HIGH DIVIDEND</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936Q793</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES PREFERRED PORTFOLI</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936T565</cusip>
    <value>447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES PREFERRED PORTFOLI</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936T565</cusip>
    <value>510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33731</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>33731</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES QQQ ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73935A104</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>892</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES QQQ ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73935A104</cusip>
    <value>166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES SR LOAN PORTFOLIO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936Q769</cusip>
    <value>1591</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>68560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES SR LOAN PORTFOLIO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936Q769</cusip>
    <value>108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDUSTRIES INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693506107</cusip>
    <value>9458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>91508</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDUSTRIES INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693506107</cusip>
    <value>423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRAXAIR INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74005P104</cusip>
    <value>490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRAXAIR INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74005P104</cusip>
    <value>257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2131</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2131</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74144T108</cusip>
    <value>1882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28304</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICE T ROWE GROUP INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74144T108</cusip>
    <value>133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICELINE GROUP INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>741503403</cusip>
    <value>15677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10564</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICELINE GROUP INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>741503403</cusip>
    <value>562</value>
    <shrsOrPrnAmt>
      <sshPrnamt>382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>742718109</cusip>
    <value>15062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>164087</Sole>
      <Shared>0</Shared>
      <None>3740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>742718109</cusip>
    <value>3882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43251</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>43251</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>743606105</cusip>
    <value>4795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>87357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>747525103</cusip>
    <value>3688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>53838</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>747525103</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON CO NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>755111507</cusip>
    <value>17209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>126419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON CO NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>755111507</cusip>
    <value>639</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REAL ESTATE SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7794</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REAL ESTATE SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1085</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>773903109</cusip>
    <value>752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6148</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>773903109</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>232</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>778296103</cusip>
    <value>343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5333</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5333</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RUSH ENTERPRISES INC CLASS B C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>781846308</cusip>
    <value>17963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>738902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>738902</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE.COM INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>79466L302</cusip>
    <value>12322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>168151</Sole>
      <Shared>0</Shared>
      <None>4602</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE.COM INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>79466L302</cusip>
    <value>1475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20685</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20685</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>808513105</cusip>
    <value>14603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>462565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>452526</Sole>
      <Shared>0</Shared>
      <None>10039</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>808513105</cusip>
    <value>1443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>45723</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT INCOME REIT</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81618T100</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10531</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR CONS STAPLE</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4080</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR FD - ENERGY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16227</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16227</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR FD - ENERGY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR FD - FINL E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>1052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54530</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>54530</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR FD - FINL E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7800</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR FD - INDSTR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5810</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR FD - INDSTR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR FD - TECH E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8632</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR FD HLTH CAR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR FD HLTH CAR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4029</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4029</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81762P102</cusip>
    <value>251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3175</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN-WILLIAMS CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>824348106</cusip>
    <value>6497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23134</Sole>
      <Shared>0</Shared>
      <None>350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN-WILLIAMS CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>824348106</cusip>
    <value>372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1343</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1343</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PROPERTY GROUP REIT NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>828806109</cusip>
    <value>266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1285</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PROPERTY GROUP REIT NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>828806109</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>842587107</cusip>
    <value>2084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40625</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>40625</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>842587107</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1966</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLINES CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>844741108</cusip>
    <value>14140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>363592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>351205</Sole>
      <Shared>0</Shared>
      <None>12387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLINES CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>844741108</cusip>
    <value>3441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>88486</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BARCLAYS CAPITAL HI YLD B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A417</cusip>
    <value>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7124</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7124</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BARCLAYS CAPITAL HI YLD B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A417</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BARCLAYS INTL TREAS BOND</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A516</cusip>
    <value>8218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>284950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>280670</Sole>
      <Shared>0</Shared>
      <None>4280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BARCLAYS INTL TREAS BOND</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A516</cusip>
    <value>133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BLACKSTONE/GSO SENIOR LOA</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78467V608</cusip>
    <value>355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DJ WILSHIRE INTL RE ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78463X863</cusip>
    <value>604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14486</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DJ WILSHIRE INTL RE ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78463X863</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES REIT ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A607</cusip>
    <value>885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES REIT ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A607</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78463V107</cusip>
    <value>1861</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14814</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14814</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78463V107</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2252</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR METALS &amp; MINING ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A755</cusip>
    <value>11032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>415987</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>409767</Sole>
      <Shared>0</Shared>
      <None>6220</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR METALS &amp; MINING ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A755</cusip>
    <value>127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BARCLAYS MUNI BD E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78468R721</cusip>
    <value>3788</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75643</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>75643</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BARCLAYS MUNI BD E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78468R721</cusip>
    <value>299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5965</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5965</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BARCLAYS SH TM MUN</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78468R739</cusip>
    <value>2268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46422</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>46422</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BARCLAYS SH TM MUN</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78468R739</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P INTL SMALL CAP ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78463X871</cusip>
    <value>1120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P INTL SMALL CAP ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78463X871</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P REGIONAL BANKING ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A698</cusip>
    <value>3530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>83513</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P REGIONAL BANKING ETF*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A698</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TRUST *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78462F103</cusip>
    <value>13104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57765</Sole>
      <Shared>0</Shared>
      <None>2819</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TRUST *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78462F103</cusip>
    <value>3021</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13967</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRA ENERGY CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>847560109</cusip>
    <value>1548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35702</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRA ENERGY CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>847560109</cusip>
    <value>192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4499</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>854502101</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>456</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>456</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>854502101</cusip>
    <value>240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1952</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>855244109</cusip>
    <value>27034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>499330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>497070</Sole>
      <Shared>0</Shared>
      <None>2260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>855244109</cusip>
    <value>1360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25123</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>863667101</cusip>
    <value>2741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21949</Sole>
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      <None>1600</None>
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    <nameOfIssuer>STRYKER CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>863667101</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SYSCO CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871829107</cusip>
    <value>2277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>46451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SYSCO CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871829107</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1208</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TARGET CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>87612E106</cusip>
    <value>17814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>254185</Sole>
      <Shared>0</Shared>
      <None>5198</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TARGET CORP COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>87612E106</cusip>
    <value>1774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25831</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TEAM INCORPORATED COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>878155100</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TEXAS INSTRUMENTS INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>882508104</cusip>
    <value>4559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>64966</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TEXAS INSTRUMENTS INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>882508104</cusip>
    <value>956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13621</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TEXTRON INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883203101</cusip>
    <value>352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8862</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TEXTRON INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883203101</cusip>
    <value>98</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2470</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>THE HERSHEY COMPANY COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>427866108</cusip>
    <value>652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THE HERSHEY COMPANY COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>427866108</cusip>
    <value>69</value>
    <shrsOrPrnAmt>
      <sshPrnamt>725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883556102</cusip>
    <value>148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>932</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883556102</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
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    <nameOfIssuer>TIME WARNER INC COM NEW*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>887317303</cusip>
    <value>9539</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>118902</Sole>
      <Shared>0</Shared>
      <None>925</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TIME WARNER INC COM NEW*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>887317303</cusip>
    <value>669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8402</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRACTOR SUPPLY CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>892356106</cusip>
    <value>368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
    <value>2555</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21756</Sole>
      <Shared>0</Shared>
      <None>550</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC COM *</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
    <value>144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1259</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TWENTY-FIRST CENTURY FOX INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>90130A101</cusip>
    <value>1462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60351</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50577</Sole>
      <Shared>0</Shared>
      <None>9774</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TWENTY-FIRST CENTURY FOX INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>90130A101</cusip>
    <value>836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>34516</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UGI CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902681105</cusip>
    <value>339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNDER ARMOUR INC CL A COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>904311107</cusip>
    <value>2222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57450</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNDER ARMOUR INC CL A COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>904311107</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1205</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNION PACIFIC CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>907818108</cusip>
    <value>8228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>83327</Sole>
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      <None>1035</None>
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  <infoTable>
    <nameOfIssuer>UNION PACIFIC CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>907818108</cusip>
    <value>932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9558</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED CONTINENTAL HLDGS INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>910047109</cusip>
    <value>3950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>69317</Sole>
      <Shared>0</Shared>
      <None>5959</None>
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  <infoTable>
    <nameOfIssuer>UNITED CONTINENTAL HLDGS INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>910047109</cusip>
    <value>1347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25669</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>UNITED PARCEL SERVICE CLASS B*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>911312106</cusip>
    <value>2238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20465</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE CLASS B*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>911312106</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2286</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>913017109</cusip>
    <value>5947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>58533</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>913017109</cusip>
    <value>629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91324P102</cusip>
    <value>7740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55283</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91324P102</cusip>
    <value>472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3372</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3372</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>US BANCORP DEL NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902973304</cusip>
    <value>2777</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>58988</Sole>
      <Shared>0</Shared>
      <None>5770</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>US BANCORP DEL NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902973304</cusip>
    <value>1070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24942</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>24942</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5377</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>580</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP NEW COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>16454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310447</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>305846</Sole>
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      <None>4601</None>
    </votingAuthority>
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    <nameOfIssuer>VALERO ENERGY CORP NEW COM*</nameOfIssuer>
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    <cusip>922908629</cusip>
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    <cusip>922908553</cusip>
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    <cusip>922908363</cusip>
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    <cusip>921937827</cusip>
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    <cusip>922908595</cusip>
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    <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF*</nameOfIssuer>
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    <cusip>922908595</cusip>
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    <nameOfIssuer>VANGUARD SMALL-CAP ETF*</nameOfIssuer>
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    <cusip>922908751</cusip>
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    <nameOfIssuer>VANGUARD SMALL-CAP ETF*</nameOfIssuer>
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    <cusip>922908751</cusip>
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    <nameOfIssuer>VANGUARD TOT WORLD STK ETF *</nameOfIssuer>
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    <cusip>922042742</cusip>
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    <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ET</nameOfIssuer>
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    <cusip>922908769</cusip>
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    <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ET</nameOfIssuer>
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    <nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
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    <cusip>922908744</cusip>
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    <nameOfIssuer>VEREIT INC REIT</nameOfIssuer>
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    <cusip>92339V100</cusip>
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    <nameOfIssuer>VERIZON COMMUNICATIONS COM*</nameOfIssuer>
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    <cusip>92826C839</cusip>
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    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC C</nameOfIssuer>
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    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC C</nameOfIssuer>
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      <Sole>11495</Sole>
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    <nameOfIssuer>WEYERHAEUSER CO REIT*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>962166104</cusip>
    <value>16730</value>
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      <sshPrnamt>523802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>517350</Sole>
      <Shared>0</Shared>
      <None>6452</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO REIT*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>962166104</cusip>
    <value>1575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>49301</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WHIRLPOOL CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>963320106</cusip>
    <value>13980</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>85435</Sole>
      <Shared>0</Shared>
      <None>778</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>963320106</cusip>
    <value>757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4666</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4666</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>WHITEWAVE FOODS CO COM CL A*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>966244105</cusip>
    <value>3063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56277</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>48474</Sole>
      <Shared>0</Shared>
      <None>7803</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WHITEWAVE FOODS CO COM CL A*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>966244105</cusip>
    <value>2201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>40443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WORKDAY INC CL A COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98138H101</cusip>
    <value>10648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>116135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>114755</Sole>
      <Shared>0</Shared>
      <None>1380</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WORKDAY INC CL A COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98138H101</cusip>
    <value>451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4920</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4920</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WYNDHAM WORLDWIDE CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98310W108</cusip>
    <value>420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6233</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6233</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98389B100</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM! BRANDS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>988498101</cusip>
    <value>4471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>49232</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>YUM! BRANDS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>988498101</cusip>
    <value>624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6867</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HLDGS INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98956P102</cusip>
    <value>2559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19682</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19682</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HLDGS INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98956P102</cusip>
    <value>125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98978V103</cusip>
    <value>16374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>314832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>303974</Sole>
      <Shared>0</Shared>
      <None>10858</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98978V103</cusip>
    <value>2708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>52066</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>5263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29867</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>1902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC CLASS A*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC CLASS A*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HOLDING LTD SPON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>01609W102</cusip>
    <value>363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HOLDING LTD SPON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>01609W102</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLERGAN PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G0177J108</cusip>
    <value>11166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>48478</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLERGAN PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G0177J108</cusip>
    <value>719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3122</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAIDU INC SPONS ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>056752108</cusip>
    <value>5641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30981</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BAIDU INC SPONS ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>056752108</cusip>
    <value>239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1311</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BARRICK GOLD CORP COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>067901108</cusip>
    <value>1116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>63000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BCE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>05534B760</cusip>
    <value>2435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>52732</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BCE INC COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>05534B760</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4649</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>055622104</cusip>
    <value>2197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>62488</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>055622104</cusip>
    <value>254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN NATIONAL RAILWAY CO C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>136375102</cusip>
    <value>314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4808</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN NATIONAL RAILWAY CO C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>136375102</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC RAILWAY LTD C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>13645T100</cusip>
    <value>9188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>59592</Sole>
      <Shared>0</Shared>
      <None>580</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC RAILWAY LTD C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>13645T100</cusip>
    <value>872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5711</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL CORP PAIRED CTF 1 COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>143658300</cusip>
    <value>21107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>432342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>429867</Sole>
      <Shared>0</Shared>
      <None>2475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARNIVAL CORP PAIRED CTF 1 COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>143658300</cusip>
    <value>1029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1594</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1594</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO PLC SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2231</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIAGEO PLC SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>283</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G29183103</cusip>
    <value>16186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>244790</Sole>
      <Shared>0</Shared>
      <None>1535</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G29183103</cusip>
    <value>851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12957</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELDORADO GOLD CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>284902103</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENSCO PLC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G3157S106</cusip>
    <value>142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLAXOSMITHKLINE PLC ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>37733W105</cusip>
    <value>236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5461</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLAXOSMITHKLINE PLC ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>37733W105</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGERSOLL-RAND PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G47791101</cusip>
    <value>419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5659</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>21472</value>
    <shrsOrPrnAmt>
      <sshPrnamt>248516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>245052</Sole>
      <Shared>0</Shared>
      <None>3464</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>1042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12064</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIELSEN HLDGS PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G6518L108</cusip>
    <value>15160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>282994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>280844</Sole>
      <Shared>0</Shared>
      <None>2150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIELSEN HLDGS PLC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G6518L108</cusip>
    <value>964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17997</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOKIA CORP SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654902204</cusip>
    <value>1596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>275570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOKIA CORP SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654902204</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>357</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>357</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>66987V109</cusip>
    <value>20452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259021</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>258996</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>66987V109</cusip>
    <value>1351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS NV*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>10234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>97825</Sole>
      <Shared>0</Shared>
      <None>2496</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS NV*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>1671</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16385</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAN AMERICAN SILVER CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>697900108</cusip>
    <value>194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC ADR CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259206</cusip>
    <value>2396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>47857</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC ADR CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259206</cusip>
    <value>288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5747</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5447</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC ADR CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259107</cusip>
    <value>14289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270465</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>266489</Sole>
      <Shared>0</Shared>
      <None>3976</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC ADR CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259107</cusip>
    <value>1399</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>26479</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP AG SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>803054204</cusip>
    <value>364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3985</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3985</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP AG SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>803054204</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>136</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LIMITED COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>806857108</cusip>
    <value>38464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>489111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>209624</Sole>
      <Shared>275392</Shared>
      <None>4095</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LIMITED COM*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>806857108</cusip>
    <value>2685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>33848</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEADRILL LTD*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G7945E105</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19498</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEADRILL LTD*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G7945E105</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1015</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHIRE PLC ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>82481R106</cusip>
    <value>17685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>90837</Sole>
      <Shared>0</Shared>
      <None>389</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHIRE PLC ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>82481R106</cusip>
    <value>794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4097</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>H84989104</cusip>
    <value>258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEVA PHARMACEUTICAL INDS LTD A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>881624209</cusip>
    <value>327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7113</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEVA PHARMACEUTICAL INDS LTD A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>881624209</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2307</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTAL S.A. SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89151E109</cusip>
    <value>1036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21714</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTAL S.A. SPONSORED ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89151E109</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4533</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>904767704</cusip>
    <value>658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13883</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC SPONS ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92857W308</cusip>
    <value>593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC SPONS ADR*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92857W308</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2312</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE CONNECTIONS INC*</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>94106B101</cusip>
    <value>355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2504</Sole>
      <Shared>0</Shared>
      <None>2250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY ALL-STAR EQUITY FD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>530158104</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT-FREE MUNICIPAL INCO</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>670657105</cusip>
    <value>343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN DIVID ADVANTAGE MUN FD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67066V101</cusip>
    <value>356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN DIVIDEND ADV MUNI FUND</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67070X101</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN DIVIDEND ADVANTAGE MUNI</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67071L106</cusip>
    <value>132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN DIVIDEND ADVANTAGE MUNI</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67071L106</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUNICIPAL VALUE FUND</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>670928100</cusip>
    <value>585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACK STONE MINERALS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>09225M101</cusip>
    <value>371</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15808</Sole>
      <Shared>0</Shared>
      <None>5011</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACK STONE MINERALS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>09225M101</cusip>
    <value>160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUCKEYE PARTNERS L P UNIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>118230101</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4990</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUCKEYE PARTNERS L P UNIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>118230101</cusip>
    <value>2</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>ENBRIDGE ENERGY PARTNERS L P</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>29250R106</cusip>
    <value>414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE ENERGY PARTNERS L P</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>29250R106</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER EQUITY LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>29273V100</cusip>
    <value>737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43893</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43893</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER PARTNERS LP*</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>29273R109</cusip>
    <value>2922</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>78986</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER PARTNERS LP*</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>29273R109</cusip>
    <value>849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>293792107</cusip>
    <value>2945</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>106601</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>293792107</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HOLLY ENERGY PARTNERS L P</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>435763107</cusip>
    <value>707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD CL A*</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G54050102</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5693</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5693</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD CL A*</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G54050102</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>199</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MAGELLAN MIDSTREAM PARTNERS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>559080106</cusip>
    <value>1016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSTAR ENERGY LP UNIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67058H102</cusip>
    <value>416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8386</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8386</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSTAR GP HOLDINGS LLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67059L102</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13951</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAINS ALL AMERICAN PIPELINE L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>726503105</cusip>
    <value>6139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>195451</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAINS ALL AMERICAN PIPELINE L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>726503105</cusip>
    <value>913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29059</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>29059</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNOCO LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>86765K109</cusip>
    <value>377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WESTERN GAS PARTNERS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>958254104</cusip>
    <value>971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17647</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
