<SEC-DOCUMENT>0000039263-17-000014.txt : 20170130
<SEC-HEADER>0000039263-17-000014.hdr.sgml : 20170130
<ACCEPTANCE-DATETIME>20170130141808
ACCESSION NUMBER:		0000039263-17-000014
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20161231
FILED AS OF DATE:		20170130
DATE AS OF CHANGE:		20170130
EFFECTIVENESS DATE:		20170130

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:		17556682

	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
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      <filer>
        <credentials>
          <cik>0000039263</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2016</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>12-31-2016</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>01-07-2017</signatureDate>
    </signatureBlock>
    <summaryPage>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>31634</Sole>
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      <None>482</None>
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    <cusip>03027X100</cusip>
    <value>7122</value>
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      <sshPrnamt>67393</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>65407</Sole>
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      <None>1986</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>03027X100</cusip>
    <value>1137</value>
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      <sshPrnamt>10757</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10757</Sole>
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      <None>0</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>030420103</cusip>
    <value>4222</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57950</Sole>
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      <None>400</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>030420103</cusip>
    <value>527</value>
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      <sshPrnamt>7280</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7280</Sole>
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      <None>0</None>
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    <value>1576</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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    <nameOfIssuer>AMERIPRISE FINANCIAL INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>03076C106</cusip>
    <value>388</value>
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      <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>7352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>48611</Sole>
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      <None>1673</None>
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  <infoTable>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>031162100</cusip>
    <value>1238</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>
    </votingAuthority>
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    <nameOfIssuer>ANADARKO PETROLEUM CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>032511107</cusip>
    <value>1093</value>
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      <sshPrnamt>15678</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14828</Sole>
      <Shared>0</Shared>
      <None>850</None>
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  <infoTable>
    <nameOfIssuer>ANADARKO PETROLEUM CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>032511107</cusip>
    <value>182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2613</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>2183</value>
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      <sshPrnamt>30067</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30067</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANNALY CAPITAL MGMT INC REIT C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>035710409</cusip>
    <value>1533</value>
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      <sshPrnamt>153750</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>153750</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ANNALY CAPITAL MGMT INC REIT C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>035710409</cusip>
    <value>22</value>
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      <sshPrnamt>2181</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2181</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>APPLE INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>037833100</cusip>
    <value>63439</value>
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      <sshPrnamt>547734</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>542025</Sole>
      <Shared>0</Shared>
      <None>5709</None>
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  <infoTable>
    <nameOfIssuer>APPLE INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>037833100</cusip>
    <value>7095</value>
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      <sshPrnamt>61262</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>61003</Sole>
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      <None>259</None>
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    <nameOfIssuer>APPLIED MATERIALS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>038222105</cusip>
    <value>420</value>
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      <sshPrnamt>13025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13025</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>APPLIED MATERIALS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>038222105</cusip>
    <value>16</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>
    </votingAuthority>
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    <nameOfIssuer>AQUA AMERICA INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>03836W103</cusip>
    <value>3068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>101383</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>566</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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    <nameOfIssuer>AT &amp; T INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>00206R102</cusip>
    <value>34466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>810391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>717186</Sole>
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      <None>93205</None>
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  <infoTable>
    <nameOfIssuer>AT &amp; T INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>00206R102</cusip>
    <value>5774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>135118</Sole>
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      <None>636</None>
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    <nameOfIssuer>ATMOS ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>049560105</cusip>
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      <sshPrnamt>21742</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21742</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053015103</cusip>
    <value>4745</value>
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      <sshPrnamt>46165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>46165</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053015103</cusip>
    <value>706</value>
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      <sshPrnamt>6867</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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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>
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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>
    </votingAuthority>
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    <cusip>058498106</cusip>
    <value>113</value>
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      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>058498106</cusip>
    <value>480</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BANK OF AMERICA CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>060505104</cusip>
    <value>2201</value>
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      <sshPrnamt>99573</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>98616</Sole>
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      <None>957</None>
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  <infoTable>
    <nameOfIssuer>BANK OF AMERICA CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>060505104</cusip>
    <value>160</value>
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      <sshPrnamt>7233</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5580</Sole>
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      <None>1653</None>
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    <nameOfIssuer>BANK OF NEW YORK MELLON CORP C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>064058100</cusip>
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      <sshPrnamt>78941</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>73520</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>
    <cusip>064058100</cusip>
    <value>1463</value>
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      <sshPrnamt>30874</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30874</Sole>
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      <None>0</None>
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  <infoTable>
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    <cusip>067383109</cusip>
    <value>590</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2626</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2626</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BAXTER INTERNATIONAL INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>071813109</cusip>
    <value>1042</value>
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      <sshPrnamt>23507</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21907</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>214</value>
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      <sshPrnamt>4825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4825</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BB&amp;T CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>054937107</cusip>
    <value>5443</value>
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      <sshPrnamt>115757</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>114337</Sole>
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      <None>1420</None>
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  <infoTable>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>054937107</cusip>
    <value>149</value>
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      <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>13899</value>
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      <sshPrnamt>83959</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>83159</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>618</value>
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      <sshPrnamt>3736</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3736</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BEMIS INC COM</nameOfIssuer>
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    <cusip>081437105</cusip>
    <value>159</value>
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      <sshPrnamt>3334</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3334</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BEMIS INC COM</nameOfIssuer>
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      <Sole>4000</Sole>
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      <None>0</None>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC CL B CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670702</cusip>
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      <sshPrnamt>48301</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>41667</Sole>
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      <None>6634</None>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC CL B CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670702</cusip>
    <value>1988</value>
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      <sshPrnamt>12198</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12198</Sole>
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      <None>0</None>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL CL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670108</cusip>
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      <sshPrnamt>5</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL CL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670108</cusip>
    <value>488</value>
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      <sshPrnamt>2</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2</Sole>
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      <None>0</None>
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    <nameOfIssuer>BIOGEN INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09062X103</cusip>
    <value>3356</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10730</Sole>
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      <None>1105</None>
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  <infoTable>
    <nameOfIssuer>BIOGEN INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09062X103</cusip>
    <value>1422</value>
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      <sshPrnamt>5016</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5016</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BLACKROCK INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09247X101</cusip>
    <value>21032</value>
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      <sshPrnamt>55270</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55089</Sole>
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      <None>181</None>
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  <infoTable>
    <nameOfIssuer>BLACKROCK INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09247X101</cusip>
    <value>1078</value>
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      <sshPrnamt>2833</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2833</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BOEING CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>097023105</cusip>
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      <sshPrnamt>271056</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>268162</Sole>
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      <None>2894</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOEING CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>097023105</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19765</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BORGWARNER INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>099724106</cusip>
    <value>265</value>
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      <sshPrnamt>6712</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6712</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BORGWARNER INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>099724106</cusip>
    <value>37</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>926</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>110122108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>344485</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>337191</Sole>
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      <None>7294</None>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>110122108</cusip>
    <value>2949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50467</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>49759</Sole>
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      <None>708</None>
    </votingAuthority>
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    <nameOfIssuer>BROADRIDGE FINANCIAL SOLUTIONS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>11133T103</cusip>
    <value>5588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84287</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>82487</Sole>
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      <None>1800</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROADRIDGE FINANCIAL SOLUTIONS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>11133T103</cusip>
    <value>606</value>
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      <sshPrnamt>9140</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9140</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROWN-FORMAN CORP CL B COM</nameOfIssuer>
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    <cusip>115637209</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>202</None>
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  <infoTable>
    <nameOfIssuer>BROWN-FORMAN CORP CL B COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>115637209</cusip>
    <value>604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13216</Sole>
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      <None>236</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINANCIAL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>14040H105</cusip>
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      <sshPrnamt>273696</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>272116</Sole>
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      <None>1580</None>
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  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINANCIAL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>14040H105</cusip>
    <value>1091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12510</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>1032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14336</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14336</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>66</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>915</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>149123101</cusip>
    <value>2214</value>
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      <sshPrnamt>23878</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23878</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>149123101</cusip>
    <value>318</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3424</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3324</Sole>
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      <None>100</None>
    </votingAuthority>
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    <nameOfIssuer>CELGENE CORP COM</nameOfIssuer>
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    <cusip>151020104</cusip>
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      <sshPrnamt>173720</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>171787</Sole>
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      <None>1933</None>
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  <infoTable>
    <nameOfIssuer>CELGENE CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>151020104</cusip>
    <value>2107</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18140</Sole>
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      <None>60</None>
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    <nameOfIssuer>CHEVRON CORPORATION COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>166764100</cusip>
    <value>23055</value>
    <shrsOrPrnAmt>
      <sshPrnamt>195881</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>194857</Sole>
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      <None>1024</None>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>166764100</cusip>
    <value>3023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25681</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25389</Sole>
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      <None>292</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC CL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>169656105</cusip>
    <value>253</value>
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      <sshPrnamt>670</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>670</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC CL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>169656105</cusip>
    <value>1</value>
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      <sshPrnamt>3</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>171340102</cusip>
    <value>153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3470</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3470</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>171340102</cusip>
    <value>80</value>
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      <sshPrnamt>1800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1800</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CIGNA CORP COM</nameOfIssuer>
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    <cusip>125509109</cusip>
    <value>320</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2400</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CINEMARK HOLDINGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17243V102</cusip>
    <value>1146</value>
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      <sshPrnamt>29877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29877</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CINEMARK HOLDINGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17243V102</cusip>
    <value>178</value>
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      <sshPrnamt>4650</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4650</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CISCO SYSTEMS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17275R102</cusip>
    <value>22675</value>
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      <sshPrnamt>750324</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>742974</Sole>
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      <None>7350</None>
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  <infoTable>
    <nameOfIssuer>CISCO SYSTEMS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17275R102</cusip>
    <value>2034</value>
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      <sshPrnamt>67294</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>67294</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CITIGROUP INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>172967424</cusip>
    <value>21731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>365653</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>362053</Sole>
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      <None>3600</None>
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  <infoTable>
    <nameOfIssuer>CITIGROUP INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>172967424</cusip>
    <value>1915</value>
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    <votingAuthority>
      <Sole>32224</Sole>
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    <nameOfIssuer>CLOROX CO COM</nameOfIssuer>
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    <votingAuthority>
      <Sole>32420</Sole>
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  <infoTable>
    <nameOfIssuer>CLOROX CO COM</nameOfIssuer>
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    <value>1861</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>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4800</Sole>
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      <None>0</None>
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    <cusip>12572Q105</cusip>
    <value>6</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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      <Sole>329347</Sole>
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      <None>2187</None>
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      <Sole>28427</Sole>
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      <None>500</None>
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    <nameOfIssuer>COGNIZANT TECH SOLUTIONS CL A</nameOfIssuer>
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    <votingAuthority>
      <Sole>308868</Sole>
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      <None>1590</None>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECH SOLUTIONS CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>192446102</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>31307</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>COLGATE-PALMOLIVE CO COM</nameOfIssuer>
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    <cusip>194162103</cusip>
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    <votingAuthority>
      <Sole>60838</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COLGATE-PALMOLIVE CO COM</nameOfIssuer>
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    <cusip>194162103</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>8114</Sole>
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      <None>600</None>
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    <nameOfIssuer>COMCAST CORPORATION NEW CL A C</nameOfIssuer>
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    <cusip>20030N101</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>148476</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COMCAST CORPORATION NEW CL A C</nameOfIssuer>
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    <cusip>20030N101</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>10567</Sole>
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      <None>0</None>
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    <nameOfIssuer>COMERICA INC COM</nameOfIssuer>
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    <cusip>200340107</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5900</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONAGRA FOODS INC COM</nameOfIssuer>
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    <cusip>205887102</cusip>
    <value>436</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11031</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CONAGRA FOODS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>205887102</cusip>
    <value>147</value>
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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>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>44169</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>552</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11017</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
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    <cusip>209115104</cusip>
    <value>375</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5095</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
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    <cusip>209115104</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>482</Sole>
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      <None>0</None>
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    <nameOfIssuer>CORNING INC COM</nameOfIssuer>
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    <cusip>219350105</cusip>
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      <Sole>1038524</Sole>
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      <None>5400</None>
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    <nameOfIssuer>CORNING INC COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>COSTCO WHOLESALE CORP NEW COM</nameOfIssuer>
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    <nameOfIssuer>COSTCO WHOLESALE CORP NEW COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>CULLEN/FROST BANKERS INC COM</nameOfIssuer>
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    <nameOfIssuer>CULLEN/FROST BANKERS INC COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3716</Sole>
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    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
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    <cusip>231021106</cusip>
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      <Sole>20860</Sole>
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      <None>160</None>
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    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
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    <cusip>231021106</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>CVS HEALTH CORP COM</nameOfIssuer>
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    <cusip>126650100</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>D R HORTON INC</nameOfIssuer>
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    <nameOfIssuer>DANAHER CORPORATION COM</nameOfIssuer>
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      <Sole>143679</Sole>
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    <nameOfIssuer>DANAHER CORPORATION COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>235851102</cusip>
    <value>407</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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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>134</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>DARDEN RESTAURANTS INC COM</nameOfIssuer>
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    <cusip>237194105</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>2100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DEERE &amp; CO COM</nameOfIssuer>
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    <cusip>244199105</cusip>
    <value>1867</value>
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      <Sole>18119</Sole>
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  <infoTable>
    <nameOfIssuer>DEERE &amp; CO COM</nameOfIssuer>
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    <cusip>244199105</cusip>
    <value>410</value>
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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>
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    <cusip>247916208</cusip>
    <value>1119</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>304151</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DEUTSCHE X-TRACKERS MSCI EAFE</nameOfIssuer>
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    <cusip>233051200</cusip>
    <value>702</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25009</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORPORATION NEW C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25179M103</cusip>
    <value>289</value>
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      <sshPrnamt>6322</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6322</Sole>
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      <None>0</None>
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    <nameOfIssuer>DISNEY (WALT) COMPANY HOLDING</nameOfIssuer>
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    <cusip>254687106</cusip>
    <value>38311</value>
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      <sshPrnamt>367600</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>363463</Sole>
      <Shared>0</Shared>
      <None>4137</None>
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  <infoTable>
    <nameOfIssuer>DISNEY (WALT) COMPANY HOLDING</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>254687106</cusip>
    <value>4168</value>
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      <sshPrnamt>39989</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>39819</Sole>
      <Shared>0</Shared>
      <None>170</None>
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    <nameOfIssuer>DOLLAR GENERAL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>256677105</cusip>
    <value>3736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50437</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>47452</Sole>
      <Shared>0</Shared>
      <None>2985</None>
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  <infoTable>
    <nameOfIssuer>DOLLAR GENERAL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>256677105</cusip>
    <value>1043</value>
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      <sshPrnamt>14078</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13925</Sole>
      <Shared>0</Shared>
      <None>153</None>
    </votingAuthority>
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    <nameOfIssuer>DOMINION RES INC VA NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25746U109</cusip>
    <value>1769</value>
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      <sshPrnamt>23095</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23095</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>239</value>
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      <sshPrnamt>3124</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3124</Sole>
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      <None>0</None>
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    <nameOfIssuer>DONALDSON INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>257651109</cusip>
    <value>244</value>
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      <sshPrnamt>5800</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5800</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DOVER CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260003108</cusip>
    <value>1026</value>
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      <sshPrnamt>13694</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13694</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOVER CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260003108</cusip>
    <value>187</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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  <infoTable>
    <nameOfIssuer>DOW CHEMICAL CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260543103</cusip>
    <value>24464</value>
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      <sshPrnamt>427548</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>420803</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>2368</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>41389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DTE ENERGY COMPANY COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>233331107</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2207</sshPrnamt>
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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>5327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72581</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>72414</Sole>
      <Shared>0</Shared>
      <None>167</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>523</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7122</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6764</Sole>
      <Shared>0</Shared>
      <None>358</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26441C204</cusip>
    <value>5445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70148</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>65540</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>2396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30868</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30868</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>465</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>13650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>459755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>449005</Sole>
      <Shared>0</Shared>
      <None>10750</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EBAY INCORPORATED COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278642103</cusip>
    <value>1593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>53660</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278865100</cusip>
    <value>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>196</Sole>
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      <None>600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278865100</cusip>
    <value>346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2950</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EDGEWELL PERSONAL CARE CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>28035Q102</cusip>
    <value>431</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>EDWARDS LIFESCIENCES CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>28176E108</cusip>
    <value>8405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>87255</Sole>
      <Shared>0</Shared>
      <None>2441</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>28176E108</cusip>
    <value>1284</value>
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      <sshPrnamt>13705</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13536</Sole>
      <Shared>0</Shared>
      <None>169</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>285512109</cusip>
    <value>8170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103731</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>102431</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>230</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2924</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2885</Sole>
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      <None>39</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>532457108</cusip>
    <value>2655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36097</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36097</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>532457108</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>925</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>925</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>4142</value>
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      <sshPrnamt>74300</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>73412</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>1110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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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>264</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>EOG RESOURCES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26875P101</cusip>
    <value>2109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20363</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>153</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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  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30040W108</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5648</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>255</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>35</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>882</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11118</Sole>
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      <None>1700</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXPRESS SCRIPTS HLDG CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30219G108</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>69452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>769465</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>767812</Sole>
      <Shared>703</Shared>
      <None>950</None>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30231G102</cusip>
    <value>13126</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <cusip>31428X106</cusip>
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    <votingAuthority>
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      <None>0</None>
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      <None>2400</None>
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    <cusip>31620R303</cusip>
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      <None>0</None>
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      <Sole>162404</Sole>
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      <None>24606</None>
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      <None>0</None>
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    <nameOfIssuer>FORESTAR GROUP INC</nameOfIssuer>
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    <cusip>346233109</cusip>
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      <None>0</None>
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    <cusip>34959J108</cusip>
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      <None>632</None>
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    <cusip>34959J108</cusip>
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      <Sole>2426</Sole>
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      <None>200</None>
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    <nameOfIssuer>GENERAL DYNAMICS CORP COM</nameOfIssuer>
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    <cusip>369550108</cusip>
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      <Sole>11318</Sole>
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      <None>500</None>
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    <nameOfIssuer>GENERAL DYNAMICS CORP COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2639</Sole>
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    <nameOfIssuer>GENERAL ELECTRIC CO COM</nameOfIssuer>
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    <cusip>369604103</cusip>
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    <votingAuthority>
      <Sole>1301778</Sole>
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      <None>18878</None>
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    <nameOfIssuer>GENERAL ELECTRIC CO COM</nameOfIssuer>
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    <cusip>369604103</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>130922</Sole>
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      <None>1734</None>
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    <nameOfIssuer>GENERAL MILLS INC COM</nameOfIssuer>
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    <cusip>370334104</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14841</Sole>
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      <None>0</None>
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    <nameOfIssuer>GENERAL MILLS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>370334104</cusip>
    <value>693</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11211</Sole>
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      <None>0</None>
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    <nameOfIssuer>GILEAD SCIENCES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>375558103</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>185696</Sole>
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      <None>2171</None>
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    <nameOfIssuer>GILEAD SCIENCES INC COM</nameOfIssuer>
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    <cusip>375558103</cusip>
    <value>2132</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>29778</Sole>
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      <None>0</None>
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    <nameOfIssuer>GLOBAL X SCIENTIFIC BETA US ET</nameOfIssuer>
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    <cusip>37954Y103</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8689</Sole>
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      <None>0</None>
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    <nameOfIssuer>GRAINGER W W INC COM</nameOfIssuer>
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    <cusip>384802104</cusip>
    <value>26</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>GRAINGER W W INC COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
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      <None>0</None>
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    <nameOfIssuer>GUGGENHEIM S&amp;P 500 EQUAL WEIGH</nameOfIssuer>
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    <cusip>78355W106</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2696</Sole>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>24428</Sole>
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      <None>0</None>
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    <nameOfIssuer>HALLIBURTON CO COM</nameOfIssuer>
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    <value>148</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2728</Sole>
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      <None>0</None>
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    <nameOfIssuer>HANESBRANDS INC</nameOfIssuer>
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    <cusip>410345102</cusip>
    <value>242</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11240</Sole>
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      <None>0</None>
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    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>43300A104</cusip>
    <value>1441</value>
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      <sshPrnamt>52962</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>49762</Sole>
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      <None>3200</None>
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    <nameOfIssuer>HILTON WORLDWIDE HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>43300A104</cusip>
    <value>89</value>
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      <sshPrnamt>3280</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3280</Sole>
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      <None>0</None>
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    <cusip>436106108</cusip>
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      <Sole>14583</Sole>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>247401</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30048</Sole>
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      <None>400</None>
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    <cusip>438516106</cusip>
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      <Sole>95896</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7838</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>40434L105</cusip>
    <value>122</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
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      <None>0</None>
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    <cusip>444859102</cusip>
    <value>229</value>
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      <sshPrnamt>1123</sshPrnamt>
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  <infoTable>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>145794</Sole>
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  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>446150104</cusip>
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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>1075</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8778</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WORKS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452308109</cusip>
    <value>404</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452327109</cusip>
    <value>1024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ILLUMINA INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452327109</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>255</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>8582</value>
    <shrsOrPrnAmt>
      <sshPrnamt>236618</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>235497</Sole>
      <Shared>0</Shared>
      <None>1121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23183</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22398</Sole>
      <Shared>0</Shared>
      <None>785</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTL BUSINESS MACHINES CORP CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>459200101</cusip>
    <value>6449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>38049</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>940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5664</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46120E602</cusip>
    <value>885</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>68</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>37375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375104</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>374604</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>4577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>45937</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>3438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20793</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20060</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>1596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9651</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>2551</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18091</Sole>
      <Shared>0</Shared>
      <None>462</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S &amp; P SMALL-CAP E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287804</cusip>
    <value>113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>821</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287200</cusip>
    <value>814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3620</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>3935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36411</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>37</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>4908</value>
    <shrsOrPrnAmt>
      <sshPrnamt>141023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>141023</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GLOBAL ENERGY ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287341</cusip>
    <value>109</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 IBOXX USD H/Y CORP BON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464288513</cusip>
    <value>1076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12431</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>104</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>386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3291</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>1171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10029</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>95</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>21325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>365806</Sole>
      <Shared>0</Shared>
      <None>3585</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287465</cusip>
    <value>4597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>79633</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>3438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>98189</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>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6710</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6710</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NASDAQ BIOTECH ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287556</cusip>
    <value>301</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>791</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4424</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>26128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>249071</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>24806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>236477</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>236477</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>32545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>290503</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>2958</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26404</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>26404</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287655</cusip>
    <value>3296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>24439</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287655</cusip>
    <value>88</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>6242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>40551</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>142</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>1065</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8952</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>67</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>3691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20259</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>22001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>151100</Sole>
      <Shared>0</Shared>
      <None>415</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/VALUE E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287705</cusip>
    <value>152</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>948</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>17814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>201129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200729</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SELECT DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287168</cusip>
    <value>1453</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TIPS BOND ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287176</cusip>
    <value>2510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22179</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>22179</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TIPS BOND ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287176</cusip>
    <value>116</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>1879</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>22250</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>84</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>501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4777</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>20532</value>
    <shrsOrPrnAmt>
      <sshPrnamt>178215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>177215</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478160104</cusip>
    <value>4393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38128</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>38128</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>17336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200899</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>191994</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>3857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>44494</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KANSAS CITY SOUTHERN COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>485170302</cusip>
    <value>17496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>206197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>203756</Sole>
      <Shared>0</Shared>
      <None>2441</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KANSAS CITY SOUTHERN COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>485170302</cusip>
    <value>1489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17544</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>487836108</cusip>
    <value>1520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20615</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20615</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>487836108</cusip>
    <value>195</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>5010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>42905</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>494368103</cusip>
    <value>407</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>2822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136282</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>136282</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>49456B101</cusip>
    <value>98</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4723</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>7024</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>79842</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>1031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11811</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>501044101</cusip>
    <value>379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10974</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>501044101</cusip>
    <value>64</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>3245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21640</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>2311</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>14752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139522</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>138722</Sole>
      <Shared>0</Shared>
      <None>800</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORPORATION COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>512807108</cusip>
    <value>719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6801</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>14204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>261796</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>1597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29897</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>29897</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>24746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>574689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>574689</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>539830109</cusip>
    <value>2251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9008</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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      <Sole>306986</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>475</None>
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      <None>0</None>
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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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      <sshPrnamt>4057</sshPrnamt>
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    <votingAuthority>
      <Sole>4057</Sole>
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      <None>0</None>
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    <votingAuthority>
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    <cusip>57636Q104</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13229</Sole>
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      <None>0</None>
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    <nameOfIssuer>MAXIM INTEGRATED PRODUCTS INC</nameOfIssuer>
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      <sshPrnamt>32622</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29722</Sole>
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      <None>2900</None>
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    <nameOfIssuer>MAXIM INTEGRATED PRODUCTS INC</nameOfIssuer>
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    <cusip>57772K101</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1756</Sole>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>68508</Sole>
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      <None>0</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>580135101</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9373</Sole>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>188655</Sole>
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      <None>7046</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>41648</Sole>
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      <None>653</None>
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    <nameOfIssuer>METLIFE INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>59156R108</cusip>
    <value>1663</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29123</Sole>
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      <None>1730</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>59156R108</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2200</Sole>
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      <None>0</None>
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    <nameOfIssuer>MICROSOFT CORP COM</nameOfIssuer>
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    <cusip>594918104</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>753336</Sole>
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      <None>6946</None>
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    <cusip>594918104</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>68838</Sole>
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      <None>721</None>
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    <nameOfIssuer>MONDELEZ INTL INC COM</nameOfIssuer>
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    <cusip>609207105</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>52562</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>96006</Sole>
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      <None>1220</None>
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    <cusip>615369105</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4477</Sole>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>340940</Sole>
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      <None>1840</None>
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    <cusip>631103108</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18458</Sole>
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      <None>0</None>
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    <cusip>64110L106</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>91576</Sole>
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    <cusip>64110L106</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>14075</Sole>
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      <Sole>194185</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <cusip>65339F101</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>40816</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <cusip>654106103</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>255160</Sole>
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    <cusip>654106103</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>31615</Sole>
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      <None>0</None>
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    <cusip>655663102</cusip>
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      <None>0</None>
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    <cusip>655844108</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>32037</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>4772</Sole>
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    <cusip>666807102</cusip>
    <value>1157</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4975</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>666807102</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>O'REILLY AUTOMOTIVE INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>67103H107</cusip>
    <value>546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1962</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>O'REILLY AUTOMOTIVE INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>67103H107</cusip>
    <value>100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>160</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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    <nameOfIssuer>OCCIDENTAL PETROLEUM CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>674599105</cusip>
    <value>20985</value>
    <shrsOrPrnAmt>
      <sshPrnamt>294610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>292089</Sole>
      <Shared>0</Shared>
      <None>2521</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETROLEUM CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>674599105</cusip>
    <value>1904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>26416</Sole>
      <Shared>0</Shared>
      <None>309</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ONEOK INC NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>682680103</cusip>
    <value>574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68389X105</cusip>
    <value>1250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32506</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32506</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68389X105</cusip>
    <value>716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18611</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PACCAR INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693718108</cusip>
    <value>1211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18949</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18949</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PACCAR INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693718108</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4431</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PACIFIC PREMIER BANCORP INC CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>69478X105</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>697435105</cusip>
    <value>5454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43614</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>697435105</cusip>
    <value>159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>12902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>326883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>318578</Sole>
      <Shared>0</Shared>
      <None>8305</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>1541</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>39030</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>713448108</cusip>
    <value>18498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>176792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>172442</Sole>
      <Shared>0</Shared>
      <None>4350</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>713448108</cusip>
    <value>4204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>40184</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PFIZER INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>717081103</cusip>
    <value>9373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>288578</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>288578</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PFIZER INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>717081103</cusip>
    <value>522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INT'L INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718172109</cusip>
    <value>6462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70627</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>70427</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INT'L INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718172109</cusip>
    <value>3058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>33424</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66 COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718546104</cusip>
    <value>1189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12334</Sole>
      <Shared>0</Shared>
      <None>1424</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILLIPS 66 COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718546104</cusip>
    <value>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3411</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>10683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57924</Sole>
      <Shared>0</Shared>
      <None>1403</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIONEER NATURAL RESOURCES CO C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>723787107</cusip>
    <value>1394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7742</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PNC FINANCIAL SERVICES GROUP C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693475105</cusip>
    <value>1984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16962</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16962</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PNC FINANCIAL SERVICES GROUP C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693475105</cusip>
    <value>70</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>
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  <infoTable>
    <nameOfIssuer>POWERSHARES DYNAMIC LG CAP VAL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73935X708</cusip>
    <value>11496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340929</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>340929</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>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1140</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES PREFERRED PORTFOLI</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936T565</cusip>
    <value>536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>37633</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES PREFERRED PORTFOLI</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936T565</cusip>
    <value>392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>27581</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES QQQ ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73935A104</cusip>
    <value>138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1162</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1162</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES QQQ ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73935A104</cusip>
    <value>162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1370</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES SR LOAN PORTFOLIO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936Q769</cusip>
    <value>1648</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>70559</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES SR LOAN PORTFOLIO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936Q769</cusip>
    <value>109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>8673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>91524</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PPG INDUSTRIES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693506107</cusip>
    <value>388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <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>424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3616</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PRAXAIR INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74005P104</cusip>
    <value>250</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>2130</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>151</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>15612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10559</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICELINE GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>741503403</cusip>
    <value>564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>385</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>13819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>160610</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>3704</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>44050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>743606105</cusip>
    <value>6270</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>3433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>52653</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>747525103</cusip>
    <value>244</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>19750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>139086</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON CO NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>755111507</cusip>
    <value>715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4910</Sole>
      <Shared>0</Shared>
      <None>128</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>REAL ESTATE SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7061</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>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1083</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>773903109</cusip>
    <value>786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5848</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>773903109</cusip>
    <value>63</value>
    <shrsOrPrnAmt>
      <sshPrnamt>470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>232</Sole>
      <Shared>0</Shared>
      <None>238</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROSS STORES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>778296103</cusip>
    <value>335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5100</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>22016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>713173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>713173</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE.COM INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>79466L302</cusip>
    <value>13538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>193151</Sole>
      <Shared>0</Shared>
      <None>4602</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE.COM INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>79466L302</cusip>
    <value>1430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20881</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>18226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>461768</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>451729</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>1806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>45763</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT INCOME REIT</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81618T100</cusip>
    <value>257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10193</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10193</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>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4016</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>1277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16952</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>30</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>1144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>49220</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>181</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>386</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6209</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>148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2375</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>427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8832</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>1364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19786</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19786</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>278</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>236</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>7294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>26790</Sole>
      <Shared>0</Shared>
      <None>350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN-WILLIAMS CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>824348106</cusip>
    <value>313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1166</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>83088M102</cusip>
    <value>11545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>154635</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>83088M102</cusip>
    <value>384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>842587107</cusip>
    <value>1972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>40089</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>842587107</cusip>
    <value>121</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2466</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLINES CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>844741108</cusip>
    <value>18431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>369808</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>357421</Sole>
      <Shared>0</Shared>
      <None>12387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLINES CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>844741108</cusip>
    <value>4412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88516</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>88516</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>361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7595</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BLOOMBERG BARCLAYS H/Y ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A417</cusip>
    <value>307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8410</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8410</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BLOOMBERG BARCLAYS H/Y ET</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 BLOOMBERG BARCLAYS INTL E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A516</cusip>
    <value>1586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>61066</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BLOOMBERG BARCLAYS INTL E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A516</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2280</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>524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14527</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>11</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>849</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>23</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>1584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14453</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14453</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78463V107</cusip>
    <value>247</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>11932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>392360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>391200</Sole>
      <Shared>0</Shared>
      <None>1160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR METALS &amp; MINING ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A755</cusip>
    <value>139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4585</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4585</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BLOOMBERG BARCLAYS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78468R721</cusip>
    <value>4062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>85623</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BLOOMBERG BARCLAYS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78468R721</cusip>
    <value>283</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 BLOOMBERG BARCLAYS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78468R739</cusip>
    <value>2330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>48602</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BLOOMBERG BARCLAYS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78468R739</cusip>
    <value>58</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>1226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>42270</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>74</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>6741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>121312</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>538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9675</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>15268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>65486</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>9057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>40520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRA ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>847560109</cusip>
    <value>1455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>34906</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPECTRA ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>847560109</cusip>
    <value>185</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>52</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>224</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>25623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>461502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>459242</Sole>
      <Shared>0</Shared>
      <None>2260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>855244109</cusip>
    <value>1476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>26592</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>863667101</cusip>
    <value>2753</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21382</Sole>
      <Shared>0</Shared>
      <None>1600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>863667101</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871829107</cusip>
    <value>2407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43449</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871829107</cusip>
    <value>90</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1619</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1208</Sole>
      <Shared>0</Shared>
      <None>411</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>87612E106</cusip>
    <value>13988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>193663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>188465</Sole>
      <Shared>0</Shared>
      <None>5198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>87612E106</cusip>
    <value>1734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>24008</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEAM INCORPORATED COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>878155100</cusip>
    <value>339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS CAPITAL BANCSHARES INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>88224Q107</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRUMENTS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>882508104</cusip>
    <value>4643</value>
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    <nameOfIssuer>TEXAS INSTRUMENTS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>882508104</cusip>
    <value>1058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14503</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14503</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEXTRON INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883203101</cusip>
    <value>430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8862</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8862</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEXTRON INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883203101</cusip>
    <value>120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2470</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2470</Sole>
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      <None>0</None>
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    <nameOfIssuer>THE HERSHEY COMPANY COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>427866108</cusip>
    <value>703</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6798</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>THE HERSHEY COMPANY COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>427866108</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>725</Sole>
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      <None>0</None>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883556102</cusip>
    <value>192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1359</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1359</Sole>
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      <None>0</None>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883556102</cusip>
    <value>56</value>
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      <sshPrnamt>400</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
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    <nameOfIssuer>TIME WARNER INC COM NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>887317303</cusip>
    <value>11489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119025</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>118100</Sole>
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      <None>925</None>
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    <nameOfIssuer>TIME WARNER INC COM NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>887317303</cusip>
    <value>811</value>
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      <sshPrnamt>8399</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8399</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TJX COMPANIES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>872540109</cusip>
    <value>7142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95059</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>95059</Sole>
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      <None>0</None>
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    <nameOfIssuer>TJX COMPANIES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>872540109</cusip>
    <value>348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4627</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4627</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TRACTOR SUPPLY CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>892356106</cusip>
    <value>414</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5464</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5464</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRAVELERS COMPANIES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
    <value>2724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21705</Sole>
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      <None>550</None>
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    <nameOfIssuer>TRAVELERS COMPANIES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
    <value>142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1159</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TWENTY-FIRST CENTURY FOX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>90130A101</cusip>
    <value>410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14637</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11987</Sole>
      <Shared>0</Shared>
      <None>2650</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TWENTY-FIRST CENTURY FOX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>90130A101</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>963</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>UGI CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902681105</cusip>
    <value>346</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>
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    <nameOfIssuer>UNION PACIFIC CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>907818108</cusip>
    <value>8457</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81569</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>80549</Sole>
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      <None>1020</None>
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    <nameOfIssuer>UNION PACIFIC CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>907818108</cusip>
    <value>991</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9558</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9558</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITED CONTINENTAL HLDGS INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>910047109</cusip>
    <value>2256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30961</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30961</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED CONTINENTAL HLDGS INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>910047109</cusip>
    <value>51</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>706</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED PARCEL SERVICE CLASS B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>911312106</cusip>
    <value>2504</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21840</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE CLASS B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>911312106</cusip>
    <value>262</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2286</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED TECHNOLOGIES CORP COM</nameOfIssuer>
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    <cusip>913017109</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>59051</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED TECHNOLOGIES CORP COM</nameOfIssuer>
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    <cusip>913017109</cusip>
    <value>596</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5438</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC COM</nameOfIssuer>
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    <cusip>91324P102</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57556</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC COM</nameOfIssuer>
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    <cusip>91324P102</cusip>
    <value>552</value>
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      <sshPrnamt>3448</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3448</Sole>
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      <None>0</None>
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    <nameOfIssuer>US BANCORP DEL NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902973304</cusip>
    <value>3335</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>59144</Sole>
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      <None>5770</None>
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  <infoTable>
    <nameOfIssuer>US BANCORP DEL NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902973304</cusip>
    <value>1281</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>24942</Sole>
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      <None>0</None>
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    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer>
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    <cusip>81369Y886</cusip>
    <value>409</value>
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      <sshPrnamt>8414</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7958</Sole>
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      <None>456</None>
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  <infoTable>
    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y886</cusip>
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      <sshPrnamt>2234</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>580</Sole>
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      <None>1654</None>
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    <nameOfIssuer>VALERO ENERGY CORP NEW COM</nameOfIssuer>
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    <cusip>91913Y100</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>265154</Sole>
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      <None>4601</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1722</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>25205</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANECK VECTORS AGRIBUSINESS ET</nameOfIssuer>
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    <cusip>92189F700</cusip>
    <value>1851</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36045</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD CONSUMER DISCRETIONAR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92204A108</cusip>
    <value>206</value>
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      <sshPrnamt>1600</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1600</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD FINANCIALS ETF</nameOfIssuer>
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    <cusip>92204A405</cusip>
    <value>279</value>
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      <sshPrnamt>4700</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4700</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD FTSE ALL WORLD EX-US</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922042775</cusip>
    <value>5448</value>
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      <sshPrnamt>123307</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>123307</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD FTSE ALL WORLD EX-US</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922042775</cusip>
    <value>85</value>
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      <sshPrnamt>1920</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1920</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922042858</cusip>
    <value>2929</value>
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    <cusip>922042858</cusip>
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    <cusip>922042874</cusip>
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    <cusip>922908736</cusip>
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    <cusip>922908736</cusip>
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    <nameOfIssuer>VANGUARD LARGE CAP ETF</nameOfIssuer>
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    <cusip>922908637</cusip>
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    <cusip>921910873</cusip>
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    <cusip>922908629</cusip>
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    <cusip>922908363</cusip>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
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    <cusip>922908363</cusip>
    <value>10183</value>
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    <cusip>921937827</cusip>
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      <None>0</None>
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    <cusip>922908595</cusip>
    <value>695</value>
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    <votingAuthority>
      <Sole>5217</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer>
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    <cusip>922908595</cusip>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer>
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    <cusip>922908751</cusip>
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    <votingAuthority>
      <Sole>136941</Sole>
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    <nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer>
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    <cusip>922908751</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>16745</Sole>
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    <cusip>922042742</cusip>
    <value>245</value>
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      <sshPrnamt>4012</sshPrnamt>
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    <votingAuthority>
      <Sole>4012</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ET</nameOfIssuer>
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    <cusip>922908769</cusip>
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    <votingAuthority>
      <Sole>5450</Sole>
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    <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ET</nameOfIssuer>
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    <cusip>922908769</cusip>
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    <votingAuthority>
      <Sole>950</Sole>
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    <nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
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    <cusip>922908744</cusip>
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    <votingAuthority>
      <Sole>43283</Sole>
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    <nameOfIssuer>VEREIT INC REIT</nameOfIssuer>
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    <cusip>92339V100</cusip>
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    <votingAuthority>
      <Sole>30614</Sole>
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    <nameOfIssuer>VERIZON COMMUNICATIONS COM</nameOfIssuer>
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    <cusip>92343V104</cusip>
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    <votingAuthority>
      <Sole>236903</Sole>
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    <nameOfIssuer>VERIZON COMMUNICATIONS COM</nameOfIssuer>
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    <cusip>92343V104</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>46506</Sole>
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    <nameOfIssuer>VISA INC CL A COM</nameOfIssuer>
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    <votingAuthority>
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    <nameOfIssuer>VISA INC CL A COM</nameOfIssuer>
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      <None>0</None>
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    <cusip>931142103</cusip>
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    <votingAuthority>
      <Sole>91559</Sole>
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    <nameOfIssuer>WAL MART STORES INC COM</nameOfIssuer>
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      <Sole>26789</Sole>
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    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC C</nameOfIssuer>
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    <cusip>931427108</cusip>
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      <Sole>221094</Sole>
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    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC C</nameOfIssuer>
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      <Sole>28037</Sole>
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      <None>400</None>
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    <votingAuthority>
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      <None>0</None>
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      <Sole>410713</Sole>
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      <None>6822</None>
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      <Sole>54692</Sole>
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      <Sole>647424</Sole>
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      <None>0</None>
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      <Sole>90119</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>WHITEWAVE FOODS CO COM CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>966244105</cusip>
    <value>3032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54524</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>46721</Sole>
      <Shared>0</Shared>
      <None>7803</None>
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  <infoTable>
    <nameOfIssuer>WHITEWAVE FOODS CO COM CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>966244105</cusip>
    <value>2249</value>
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      <sshPrnamt>40443</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>40443</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>WORKDAY INC CL A COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98138H101</cusip>
    <value>7248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>108282</Sole>
      <Shared>0</Shared>
      <None>1380</None>
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    <nameOfIssuer>WORKDAY INC CL A COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98138H101</cusip>
    <value>305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WYNDHAM WORLDWIDE CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98310W108</cusip>
    <value>475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6219</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98389B100</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4932</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>YUM CHINA HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98850P109</cusip>
    <value>1058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40507</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>40507</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>YUM CHINA HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98850P109</cusip>
    <value>139</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>YUM! BRANDS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>988498101</cusip>
    <value>3064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48389</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>48389</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>YUM! BRANDS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>988498101</cusip>
    <value>435</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>
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    <nameOfIssuer>ZIMMER BIOMET HLDGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98956P102</cusip>
    <value>1192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11546</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HLDGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98956P102</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ZOETIS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98978V103</cusip>
    <value>17157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>309663</Sole>
      <Shared>0</Shared>
      <None>10858</None>
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  <infoTable>
    <nameOfIssuer>ZOETIS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98978V103</cusip>
    <value>2789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>52102</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>3M CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>5331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29856</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29755</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>3M CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>1820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ACCENTURE PLC CLASS A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC CLASS A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>295</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>ADIENT PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G0084W101</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6084</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6084</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ADIENT PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G0084W101</cusip>
    <value>10</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>175</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>275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3135</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HOLDING LTD SPON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>01609W102</cusip>
    <value>11</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>
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  <infoTable>
    <nameOfIssuer>ALLERGAN PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G0177J108</cusip>
    <value>9984</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47539</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>47535</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALLERGAN PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G0177J108</cusip>
    <value>584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2780</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2780</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARRICK GOLD CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>067901108</cusip>
    <value>842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>52700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BCE INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>05534B760</cusip>
    <value>2197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50820</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>171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3949</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>055622104</cusip>
    <value>2332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>62382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>055622104</cusip>
    <value>270</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>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5258</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5258</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CANADIAN NATIONAL RAILWAY CO C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>136375102</cusip>
    <value>40</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>
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  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC RAILWAY LTD C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>13645T100</cusip>
    <value>9232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>64082</Sole>
      <Shared>0</Shared>
      <None>580</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC RAILWAY LTD C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>13645T100</cusip>
    <value>851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5959</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CARNIVAL CORP PAIRED CTF 1 COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>143658300</cusip>
    <value>22604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>434194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>431719</Sole>
      <Shared>0</Shared>
      <None>2475</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARNIVAL CORP PAIRED CTF 1 COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>143658300</cusip>
    <value>1078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20714</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIAGEO PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>232</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>29</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>16196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>241401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>239723</Sole>
      <Shared>0</Shared>
      <None>1678</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G29183103</cusip>
    <value>896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13040</Sole>
      <Shared>0</Shared>
      <None>310</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELDORADO GOLD CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>284902103</cusip>
    <value>43</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>156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16047</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLAXOSMITHKLINE PLC ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>37733W105</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5301</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLAXOSMITHKLINE PLC ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>37733W105</cusip>
    <value>19</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>473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6308</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>172</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>JOHNSON CTLS INTL PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G51502105</cusip>
    <value>16044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>389514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>382534</Sole>
      <Shared>0</Shared>
      <None>6980</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G51502105</cusip>
    <value>1996</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48464</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>48464</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>17242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242061</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>238597</Sole>
      <Shared>0</Shared>
      <None>3464</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIELSEN HLDGS PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G6518L108</cusip>
    <value>12447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>296717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>294567</Sole>
      <Shared>0</Shared>
      <None>2150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIELSEN HLDGS PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G6518L108</cusip>
    <value>798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOKIA CORP SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654902204</cusip>
    <value>888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>184567</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>18877</value>
    <shrsOrPrnAmt>
      <sshPrnamt>259151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>259126</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>66987V109</cusip>
    <value>1242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17047</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>9806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>97556</Sole>
      <Shared>0</Shared>
      <None>2496</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>1602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16345</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>166</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>PERRIGO CO PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G97822103</cusip>
    <value>9950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>119546</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERRIGO CO PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G97822103</cusip>
    <value>376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4523</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>2752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50608</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>313</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>18306</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>311811</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>1567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27033</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>27033</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SAP AG SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>803054204</cusip>
    <value>344</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>42628</value>
    <shrsOrPrnAmt>
      <sshPrnamt>507781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>228394</Sole>
      <Shared>275292</Shared>
      <None>4095</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LIMITED COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>806857108</cusip>
    <value>2975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>35136</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEADRILL LTD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G7945E105</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17998</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>515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>515</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHIRE PLC ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>82481R106</cusip>
    <value>15009</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>87702</Sole>
      <Shared>0</Shared>
      <None>389</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHIRE PLC ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>82481R106</cusip>
    <value>580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3407</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LTD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>H84989104</cusip>
    <value>277</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>321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8850</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>84</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>1084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21264</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21264</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>231</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>527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12944</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>276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11126</Sole>
      <Shared>0</Shared>
      <None>164</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VODAFONE GROUP PLC SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92857W308</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2136</Sole>
      <Shared>0</Shared>
      <None>295</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE CONNECTIONS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>94106B101</cusip>
    <value>352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2224</Sole>
      <Shared>0</Shared>
      <None>2250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY ALL-STAR EQUITY FD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>530158104</cusip>
    <value>109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21132</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>313</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>178</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12743</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUN CREDIT INCOME FD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67070X101</cusip>
    <value>267</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 MUNICIPAL VALUE FUND</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>670928100</cusip>
    <value>485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50691</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>373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19860</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14849</Sole>
      <Shared>0</Shared>
      <None>5011</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACK STONE MINERALS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>09225M101</cusip>
    <value>169</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>276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4169</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>415</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>891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>46164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER PARTNERS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>29273R109</cusip>
    <value>3234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90308</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>90308</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER PARTNERS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>29273R109</cusip>
    <value>798</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22293</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>293792107</cusip>
    <value>2600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>96171</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>293792107</cusip>
    <value>62</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>673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD CL A</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G54050102</cusip>
    <value>234</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>8</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>1072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSTAR ENERGY LP UNIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67058H102</cusip>
    <value>418</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>403</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>4095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>126824</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAINS ALL AMERICAN PIPELINE L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>726503105</cusip>
    <value>938</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>SABINE ROYALTY TRUST UNITS BEN</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>785688102</cusip>
    <value>335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9543</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9543</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABINE ROYALTY TRUST UNITS BEN</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>785688102</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>430</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNOCO LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>86765K109</cusip>
    <value>350</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>1037</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>
