<SEC-DOCUMENT>0000039263-17-000035.txt : 20170731
<SEC-HEADER>0000039263-17-000035.hdr.sgml : 20170731
<ACCEPTANCE-DATETIME>20170731161722
ACCESSION NUMBER:		0000039263-17-000035
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20170630
FILED AS OF DATE:		20170731
DATE AS OF CHANGE:		20170731
EFFECTIVENESS DATE:		20170731

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:		17993183

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

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

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

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	FROST BANK CORP
		DATE OF NAME CHANGE:	19770823
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
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        <confirmingCopyFlag>false</confirmingCopyFlag>
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      <filer>
        <credentials>
          <cik>0000039263</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>06-30-2017</periodOfReport>
    </filerInfo>
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    <coverPage>
      <reportCalendarOrQuarter>06-30-2017</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>07-06-2017</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>661</tableEntryTotal>
      <tableValueTotal>2975256</tableValueTotal>
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      <None>0</None>
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      <None>1673</None>
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      <None>0</None>
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      <Sole>10137</Sole>
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      <Sole>1658</Sole>
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      <None>0</None>
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    <votingAuthority>
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      <None>0</None>
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      <Sole>167828</Sole>
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      <None>0</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>035710409</cusip>
    <value>486</value>
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      <Sole>40351</Sole>
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      <None>0</None>
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    <nameOfIssuer>APPLE INC COM</nameOfIssuer>
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      <Sole>57505</Sole>
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      <None>259</None>
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    <votingAuthority>
      <Sole>12874</Sole>
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      <None>0</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>APTARGROUP INC COM</nameOfIssuer>
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    <cusip>038336103</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2800</Sole>
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      <None>0</None>
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    <nameOfIssuer>AQUA AMERICA INC COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>94392</Sole>
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      <None>750</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17856</Sole>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>93160</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <Sole>21273</Sole>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>4636</Sole>
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      <None>0</None>
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      <Sole>12800</Sole>
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      <None>0</None>
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      <Sole>444365</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>
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      <None>0</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO COM</nameOfIssuer>
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    <cusip>075887109</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>75758</Sole>
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    <nameOfIssuer>BECTON DICKINSON &amp; CO COM</nameOfIssuer>
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    <cusip>075887109</cusip>
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    <nameOfIssuer>BEMIS INC COM</nameOfIssuer>
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      <Sole>6400</Sole>
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      <None>0</None>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC CL B CO</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45350</Sole>
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      <None>6634</None>
    </votingAuthority>
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    <nameOfIssuer>BERKSHIRE HATHAWAY INC CL B CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670702</cusip>
    <value>2087</value>
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      <sshPrnamt>12323</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12323</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL CL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670108</cusip>
    <value>1274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC DEL CL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670108</cusip>
    <value>509</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>BEST BUY COMPANY INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>086516101</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3969</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BIOGEN INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09062X103</cusip>
    <value>2786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10265</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9037</Sole>
      <Shared>0</Shared>
      <None>1228</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BIOGEN INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09062X103</cusip>
    <value>1569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5783</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BLACKROCK INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09247X101</cusip>
    <value>22373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52966</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>52784</Sole>
      <Shared>0</Shared>
      <None>182</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09247X101</cusip>
    <value>1217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2881</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2881</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOEING CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>097023105</cusip>
    <value>42854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216708</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>213810</Sole>
      <Shared>0</Shared>
      <None>2898</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOEING CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>097023105</cusip>
    <value>2583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13064</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13064</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>110122108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>194360</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>187101</Sole>
      <Shared>0</Shared>
      <None>7259</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>110122108</cusip>
    <value>1812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32517</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>31809</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>4716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62417</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>61167</Sole>
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      <None>1250</None>
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  <infoTable>
    <nameOfIssuer>BROADRIDGE FINANCIAL SOLUTIONS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>11133T103</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3755</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3755</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>642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13216</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13216</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINANCIAL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>14040H105</cusip>
    <value>18421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>222957</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>221337</Sole>
      <Shared>0</Shared>
      <None>1620</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINANCIAL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>14040H105</cusip>
    <value>1013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12261</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>4109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52732</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>52712</Sole>
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      <None>20</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2353</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>149123101</cusip>
    <value>2047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18947</Sole>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>149123101</cusip>
    <value>131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1220</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CELGENE CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>151020104</cusip>
    <value>21881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168487</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>166535</Sole>
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      <None>1952</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CELGENE CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>151020104</cusip>
    <value>2340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17956</Sole>
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      <None>60</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>166764100</cusip>
    <value>31460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301543</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300026</Sole>
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      <None>1517</None>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>166764100</cusip>
    <value>2625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>24860</Sole>
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      <None>304</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC CL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>169656105</cusip>
    <value>196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>471</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>471</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>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3</Sole>
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      <None>46</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>171340102</cusip>
    <value>837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16140</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16140</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>93</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1800</sshPrnamt>
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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>10397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62110</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>60551</Sole>
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      <None>1559</None>
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    <nameOfIssuer>CIGNA CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>125509109</cusip>
    <value>1609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9610</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9610</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>1034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26610</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>26610</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>101</value>
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      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2600</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>19898</value>
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      <sshPrnamt>635710</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>628376</Sole>
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      <None>7334</None>
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  <infoTable>
    <nameOfIssuer>CISCO SYSTEMS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17275R102</cusip>
    <value>1940</value>
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      <sshPrnamt>61988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>61988</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CITIGROUP INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>172967424</cusip>
    <value>19880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297244</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>293534</Sole>
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      <None>3710</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CITIGROUP INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>172967424</cusip>
    <value>2181</value>
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      <sshPrnamt>32614</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>32614</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CLOROX CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>189054109</cusip>
    <value>4936</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>34126</Sole>
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      <None>2917</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CLOROX CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>189054109</cusip>
    <value>1954</value>
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      <sshPrnamt>14667</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14667</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CME GROUP INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>12572Q105</cusip>
    <value>536</value>
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    <votingAuthority>
      <Sole>4282</Sole>
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    <votingAuthority>
      <Sole>322955</Sole>
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      <None>2187</None>
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  <infoTable>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>21158</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>120681</Sole>
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      <None>0</None>
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    <nameOfIssuer>COGNIZANT TECH SOLUTIONS CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>192446102</cusip>
    <value>701</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>51694</Sole>
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      <None>0</None>
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    <nameOfIssuer>COLGATE-PALMOLIVE CO COM</nameOfIssuer>
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    <cusip>194162103</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>600</None>
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    <nameOfIssuer>COMCAST CORPORATION NEW CL A C</nameOfIssuer>
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      <Sole>327868</Sole>
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    <nameOfIssuer>COMERICA INC COM</nameOfIssuer>
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    <votingAuthority>
      <Sole>6467</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>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17129</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CONAGRA FOODS INC COM</nameOfIssuer>
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    <cusip>205887102</cusip>
    <value>96</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2695</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONOCOPHILLIPS COM</nameOfIssuer>
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    <cusip>20825C104</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43329</Sole>
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      <None>5778</None>
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    <nameOfIssuer>CONOCOPHILLIPS COM</nameOfIssuer>
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    <cusip>20825C104</cusip>
    <value>315</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>7167</Sole>
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      <None>0</None>
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    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4259</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>209115104</cusip>
    <value>39</value>
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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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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>825608</Sole>
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      <None>5553</None>
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  <infoTable>
    <nameOfIssuer>CORNING INC COM</nameOfIssuer>
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    <cusip>219350105</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>46185</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COSTCO WHOLESALE CORP NEW COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>145221</Sole>
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      <None>3105</None>
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  <infoTable>
    <nameOfIssuer>COSTCO WHOLESALE CORP NEW COM</nameOfIssuer>
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    <cusip>22160K105</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>17212</Sole>
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      <None>0</None>
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    <nameOfIssuer>CSX CORP COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4516</Sole>
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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>
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      <Sole>3716</Sole>
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      <None>0</None>
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    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
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      <Sole>20539</Sole>
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    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2164</Sole>
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      <None>0</None>
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    <nameOfIssuer>CVS HEALTH CORP COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50789</Sole>
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    <nameOfIssuer>CVS HEALTH CORP COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3741</Sole>
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      <None>379</None>
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    <nameOfIssuer>D R HORTON INC</nameOfIssuer>
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    <cusip>23331A109</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>8274</Sole>
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      <None>0</None>
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    <nameOfIssuer>DANAHER CORPORATION COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>139626</Sole>
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    <nameOfIssuer>DANAHER CORPORATION COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>17658</Sole>
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    <nameOfIssuer>DEVON ENERGY CORPORATION NEW C</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>DISNEY (WALT) COMPANY HOLDING</nameOfIssuer>
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    <cusip>254687106</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>287380</Sole>
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      <None>4190</None>
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    <nameOfIssuer>DISNEY (WALT) COMPANY HOLDING</nameOfIssuer>
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    <cusip>254687106</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>38224</Sole>
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      <None>140</None>
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    <nameOfIssuer>DOLLAR GENERAL CORP COM</nameOfIssuer>
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    <cusip>256677105</cusip>
    <value>1070</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11937</Sole>
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  <infoTable>
    <nameOfIssuer>DOLLAR GENERAL CORP COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1979</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25746U109</cusip>
    <value>1648</value>
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      <Sole>21505</Sole>
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  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25746U109</cusip>
    <value>198</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2589</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>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOVER CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260003108</cusip>
    <value>1016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12662</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOVER CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260003108</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW CHEMICAL CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260543103</cusip>
    <value>22833</value>
    <shrsOrPrnAmt>
      <sshPrnamt>362031</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>355223</Sole>
      <Shared>0</Shared>
      <None>6808</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW CHEMICAL CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260543103</cusip>
    <value>2486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>39419</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DTE ENERGY COMPANY COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>233331107</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2007</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>263534109</cusip>
    <value>5758</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>71174</Sole>
      <Shared>0</Shared>
      <None>167</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DU PONT E I DE NEMOURS &amp; CO CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>263534109</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4391</Sole>
      <Shared>0</Shared>
      <None>358</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26441C204</cusip>
    <value>4856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55350</Sole>
      <Shared>0</Shared>
      <None>2745</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26441C204</cusip>
    <value>1157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13838</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EAST WEST BANCORP INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>27579R104</cusip>
    <value>475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8107</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8107</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INCORPORATED COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278642103</cusip>
    <value>13451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>385200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>374392</Sole>
      <Shared>0</Shared>
      <None>10808</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INCORPORATED COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278642103</cusip>
    <value>1851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>53012</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278865100</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>196</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278865100</cusip>
    <value>392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDGEWELL PERSONAL CARE CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>28035Q102</cusip>
    <value>449</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5907</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>28176E108</cusip>
    <value>12953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>107082</Sole>
      <Shared>0</Shared>
      <None>2468</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>28176E108</cusip>
    <value>1876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15798</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>285512109</cusip>
    <value>10034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>93587</Sole>
      <Shared>0</Shared>
      <None>1325</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>285512109</cusip>
    <value>429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4015</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>532457108</cusip>
    <value>2643</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>31216</Sole>
      <Shared>0</Shared>
      <None>900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ELI LILLY &amp; CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>532457108</cusip>
    <value>56</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>EMERSON ELECTRIC CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>291011104</cusip>
    <value>4301</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>71254</Sole>
      <Shared>0</Shared>
      <None>888</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EMERSON ELECTRIC CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>291011104</cusip>
    <value>904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15156</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGIZER HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>29272W109</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5907</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5907</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RESOURCES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26875P101</cusip>
    <value>1700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18784</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18284</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EOG RESOURCES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26875P101</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1089</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30040W108</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30161N101</cusip>
    <value>187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5188</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXELON CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30161N101</cusip>
    <value>36</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>EXPRESS SCRIPTS HLDG CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30219G108</cusip>
    <value>719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9568</Sole>
      <Shared>0</Shared>
      <None>1700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXPRESS SCRIPTS HLDG CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30219G108</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>584</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30231G102</cusip>
    <value>61459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>761291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>759538</Sole>
      <Shared>703</Shared>
      <None>1050</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30231G102</cusip>
    <value>9473</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>117119</Sole>
      <Shared>0</Shared>
      <None>228</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30303M102</cusip>
    <value>48141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>318858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>315147</Sole>
      <Shared>0</Shared>
      <None>3711</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FACEBOOK INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30303M102</cusip>
    <value>2780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18243</Sole>
      <Shared>0</Shared>
      <None>172</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31428X106</cusip>
    <value>1769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FEDEX CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31428X106</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>587</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>587</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>337932107</cusip>
    <value>3851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>126466</Sole>
      <Shared>0</Shared>
      <None>5611</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>337932107</cusip>
    <value>1503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>51546</Sole>
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      <None>0</None>
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    <cusip>33939L407</cusip>
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      <sshPrnamt>7500</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7500</Sole>
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      <None>0</None>
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    <nameOfIssuer>FNF GROUP TRACKING STOCK</nameOfIssuer>
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    <cusip>31620R303</cusip>
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      <sshPrnamt>410268</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>407733</Sole>
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      <None>2535</None>
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    <nameOfIssuer>FNF GROUP TRACKING STOCK</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31620R303</cusip>
    <value>1067</value>
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      <sshPrnamt>23806</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23806</Sole>
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      <None>0</None>
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    <nameOfIssuer>FORD MOTOR COMPANY COM</nameOfIssuer>
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    <cusip>345370860</cusip>
    <value>1942</value>
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      <sshPrnamt>173583</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>148977</Sole>
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      <None>24606</None>
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    <nameOfIssuer>FORD MOTOR COMPANY COM</nameOfIssuer>
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    <value>233</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20860</Sole>
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      <None>0</None>
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    <nameOfIssuer>FORESTAR GROUP INC</nameOfIssuer>
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    <cusip>346233109</cusip>
    <value>513</value>
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      <sshPrnamt>29940</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29940</Sole>
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      <None>0</None>
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    <nameOfIssuer>FORTIVE CORP COM</nameOfIssuer>
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    <cusip>34959J108</cusip>
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    <votingAuthority>
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      <None>1279</None>
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    <cusip>34959J108</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2784</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>
    <value>2248</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10848</Sole>
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      <None>500</None>
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    <nameOfIssuer>GENERAL DYNAMICS CORP COM</nameOfIssuer>
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    <cusip>369550108</cusip>
    <value>509</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2569</Sole>
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      <None>0</None>
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    <nameOfIssuer>GENERAL ELECTRIC CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369604103</cusip>
    <value>34367</value>
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      <sshPrnamt>1272392</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1253362</Sole>
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      <None>19030</None>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369604103</cusip>
    <value>2178</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>78921</Sole>
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      <None>1734</None>
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    <nameOfIssuer>GENERAL MILLS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>370334104</cusip>
    <value>1469</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>26513</Sole>
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      <None>0</None>
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    <nameOfIssuer>GENERAL MILLS INC COM</nameOfIssuer>
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    <cusip>370334104</cusip>
    <value>122</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2211</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>
    <value>2974</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39856</Sole>
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      <None>2161</None>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>375558103</cusip>
    <value>1833</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25900</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GRAINGER W W INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>384802104</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>110</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GRAINGER W W INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>384802104</cusip>
    <value>217</value>
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      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GUGGENHEIM S&amp;P 500 EQUAL WEIGH</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78355W106</cusip>
    <value>812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8766</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8766</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HALLIBURTON CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>406216101</cusip>
    <value>988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23135</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HALLIBURTON CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>406216101</cusip>
    <value>31</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>728</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HANESBRANDS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>410345102</cusip>
    <value>259</value>
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      <sshPrnamt>11190</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11190</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HILTON INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>43300A203</cusip>
    <value>157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2539</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2539</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HILTON INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>43300A203</cusip>
    <value>62</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HOLLYFRONTIER CORP COM</nameOfIssuer>
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    <cusip>436106108</cusip>
    <value>385</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC COM</nameOfIssuer>
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    <cusip>437076102</cusip>
    <value>37274</value>
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      <sshPrnamt>242983</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>238950</Sole>
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      <None>4033</None>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>437076102</cusip>
    <value>4170</value>
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      <sshPrnamt>27182</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>26862</Sole>
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      <None>320</None>
    </votingAuthority>
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    <nameOfIssuer>HONEYWELL INTERNATIONAL INC CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>438516106</cusip>
    <value>11075</value>
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      <sshPrnamt>83090</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>83090</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTERNATIONAL INC CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>438516106</cusip>
    <value>693</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5196</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HUMANA INC COM</nameOfIssuer>
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    <cusip>444859102</cusip>
    <value>243</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1008</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HUMANA INC COM</nameOfIssuer>
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    <cusip>444859102</cusip>
    <value>25</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>105</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HUNTINGTON BANCSHARES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>446150104</cusip>
    <value>2245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>166014</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>138109</Sole>
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      <None>27905</None>
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  <infoTable>
    <nameOfIssuer>HUNTINGTON BANCSHARES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>446150104</cusip>
    <value>1549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114572</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>114572</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WORKS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452308109</cusip>
    <value>1200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8374</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>473</value>
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      <sshPrnamt>3300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3300</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ILLUMINA INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452327109</cusip>
    <value>1197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6900</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ILLUMINA INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452327109</cusip>
    <value>38</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>220</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INCYTE CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>45337C102</cusip>
    <value>5764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45761</Sole>
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      <None>15</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INCYTE CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>45337C102</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2385</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2385</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>457187102</cusip>
    <value>9827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>82400</Sole>
      <Shared>0</Shared>
      <None>31</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INGREDION INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>457187102</cusip>
    <value>571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4791</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4791</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>7471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>221430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>220683</Sole>
      <Shared>0</Shared>
      <None>747</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTEL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21434</Sole>
      <Shared>0</Shared>
      <None>147</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTL BUSINESS MACHINES CORP CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>459200101</cusip>
    <value>6095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>38820</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>487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3169</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46120E602</cusip>
    <value>1157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1077</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46120E602</cusip>
    <value>100</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>37051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>366408</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>4942</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48873</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>48873</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>3262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18755</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>518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2975</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2975</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>2593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36057</Sole>
      <Shared>0</Shared>
      <None>924</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S &amp; P SMALL-CAP E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287804</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1604</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1604</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287200</cusip>
    <value>740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3041</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>6053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55271</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55271</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>389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3550</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GLOBAL ENERGY ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287341</cusip>
    <value>3129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100796</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GLOBAL ENERGY ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287341</cusip>
    <value>97</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>1246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14096</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>276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3120</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>351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2915</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INTERMEDIATE CREDIT BD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464288638</cusip>
    <value>191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INTERMEDIATE CREDIT BD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464288638</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>146</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>1115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9754</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9754</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>65</value>
    <shrsOrPrnAmt>
      <sshPrnamt>570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>570</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287465</cusip>
    <value>22276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>341658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>341658</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287465</cusip>
    <value>2625</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>40263</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>4603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>111216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>111216</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>245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NASDAQ BIOTECH ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287556</cusip>
    <value>352</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>795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4138</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>27862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>234095</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>28209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>237012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>237012</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>33092</value>
    <shrsOrPrnAmt>
      <sshPrnamt>284226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>284226</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>3142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>26984</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287655</cusip>
    <value>5164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36644</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287655</cusip>
    <value>90</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>640</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>6804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>40314</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>156</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>1135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9545</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>4070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20702</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>22826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>153661</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>154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1035</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>2226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16268</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SELECT DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287168</cusip>
    <value>19949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>216345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>215945</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SELECT DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287168</cusip>
    <value>1276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13840</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TIPS BOND ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287176</cusip>
    <value>2250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19834</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19834</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TIPS BOND ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>464287176</cusip>
    <value>105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>927</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>1665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19702</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>401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3759</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>23154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175027</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>174027</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478160104</cusip>
    <value>3844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29058</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>29058</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>15949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>165860</Sole>
      <Shared>0</Shared>
      <None>8635</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46625H100</cusip>
    <value>2897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>31501</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KANSAS CITY SOUTHERN COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>485170302</cusip>
    <value>15218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>145415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>142923</Sole>
      <Shared>0</Shared>
      <None>2492</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KANSAS CITY SOUTHERN COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>485170302</cusip>
    <value>2242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>487836108</cusip>
    <value>1383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19913</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19913</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KELLOGG CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>487836108</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>961</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>494368103</cusip>
    <value>5355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>40479</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>494368103</cusip>
    <value>382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>49456B101</cusip>
    <value>2373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>123826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>123826</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>49456B101</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3993</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3993</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>5880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>68064</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>795</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9278</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>501044101</cusip>
    <value>7078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>303500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>295522</Sole>
      <Shared>0</Shared>
      <None>7978</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>501044101</cusip>
    <value>1196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51306</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>51306</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>2028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11471</Sole>
      <Shared>0</Shared>
      <None>1688</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMER HLDGS COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>50540R409</cusip>
    <value>1182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7669</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7587</Sole>
      <Shared>0</Shared>
      <None>82</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORPORATION COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>512807108</cusip>
    <value>18004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>126478</Sole>
      <Shared>0</Shared>
      <None>819</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORPORATION COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>512807108</cusip>
    <value>917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6484</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>21434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>331250</Sole>
      <Shared>0</Shared>
      <None>4234</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAS VEGAS SANDS CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>517834107</cusip>
    <value>2094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32777</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>32777</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>21303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>558689</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>558689</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>539830109</cusip>
    <value>2281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP COM</nameOfIssuer>
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      <Sole>21082</Sole>
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      <None>2900</None>
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      <None>0</None>
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      <Sole>70163</Sole>
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    <votingAuthority>
      <Sole>9042</Sole>
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      <None>0</None>
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      <Sole>196753</Sole>
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      <None>6672</None>
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    <votingAuthority>
      <Sole>19934</Sole>
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    <nameOfIssuer>METLIFE INC COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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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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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>684557</Sole>
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      <None>7059</None>
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    <nameOfIssuer>MICROSOFT CORP COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>67360</Sole>
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      <None>751</None>
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    <nameOfIssuer>MONDELEZ INTL INC COM</nameOfIssuer>
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      <Sole>59664</Sole>
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    <nameOfIssuer>MONDELEZ INTL INC COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>16118</Sole>
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      <None>0</None>
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      <Sole>9459</Sole>
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    <nameOfIssuer>MOODYS CORP COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>4324</Sole>
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    <nameOfIssuer>NASDAQ INC COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>322242</Sole>
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      <None>1890</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>19380</Sole>
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      <None>0</None>
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      <Sole>5415</Sole>
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      <None>0</None>
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    <nameOfIssuer>NETFLIX INC COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>84265</Sole>
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      <None>1987</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>14100</Sole>
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      <None>0</None>
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      <Sole>171211</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>10869</Sole>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>40557</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1394</Sole>
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      <None>0</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>223874</Sole>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>10316</Sole>
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      <Sole>35479</Sole>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7322</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>44</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUCOR CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>670346105</cusip>
    <value>6789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117317</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>117278</Sole>
      <Shared>0</Shared>
      <None>39</None>
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  <infoTable>
    <nameOfIssuer>NUCOR CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>670346105</cusip>
    <value>253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>O'REILLY AUTOMOTIVE INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>67103H107</cusip>
    <value>5661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25012</Sole>
      <Shared>0</Shared>
      <None>870</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>O'REILLY AUTOMOTIVE INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>67103H107</cusip>
    <value>1123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4935</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>16224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270982</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>268402</Sole>
      <Shared>0</Shared>
      <None>2580</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETROLEUM CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>674599105</cusip>
    <value>989</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16521</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16124</Sole>
      <Shared>0</Shared>
      <None>397</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ONEOK INC NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>682680103</cusip>
    <value>417</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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    <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68389X105</cusip>
    <value>1436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28648</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28648</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>432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8611</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>785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11892</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>199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3020</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3020</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>295</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>876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6544</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6544</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>54</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>400</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>16283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>303387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>295050</Sole>
      <Shared>0</Shared>
      <None>8337</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PAYPAL HLDGS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>2097</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>39070</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>21594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>182627</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>3332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>28847</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>9218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>274417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>274417</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>424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12611</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12611</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>8216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>69182</Sole>
      <Shared>0</Shared>
      <None>770</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INT'L INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718172109</cusip>
    <value>3357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>28586</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>1310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14419</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>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2811</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2811</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>10022</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>61391</Sole>
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      <None>1414</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PIONEER NATURAL RESOURCES CO C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>723787107</cusip>
    <value>1222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7656</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>1993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15963</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15963</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>75</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>10497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>289901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>289901</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>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6911</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES KBW HIGH DIVIDEND</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936Q793</cusip>
    <value>713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29382</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES KBW HIGH DIVIDEND</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936Q793</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES PREFERRED PORTFOLI</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936T565</cusip>
    <value>1512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>100039</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES PREFERRED PORTFOLI</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936T565</cusip>
    <value>549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>36346</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES QQQ ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73935A104</cusip>
    <value>136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>986</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES QQQ ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73935A104</cusip>
    <value>189</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>2077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89739</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>89739</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>POWERSHARES SR LOAN PORTFOLIO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>73936Q769</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDUSTRIES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693506107</cusip>
    <value>9013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81964</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>81964</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PPG INDUSTRIES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693506107</cusip>
    <value>450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRAXAIR INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74005P104</cusip>
    <value>452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3409</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRAXAIR INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74005P104</cusip>
    <value>280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2116</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>2106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28383</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28383</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>126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICELINE GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>741503403</cusip>
    <value>17906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9483</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PRICELINE GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>741503403</cusip>
    <value>700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>374</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>14422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>165489</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>161749</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>3815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>43774</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PROSPERITY BANCSHARES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>743606105</cusip>
    <value>5612</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>2507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45405</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>QUALCOMM INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>747525103</cusip>
    <value>98</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1775</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON CO NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>755111507</cusip>
    <value>17132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106093</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>106070</Sole>
      <Shared>0</Shared>
      <None>23</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RAYTHEON CO NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>755111507</cusip>
    <value>664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4111</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3983</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>188</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5847</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>35</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>REALTY INCOME CORPORATION REIT</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>756109104</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3952</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>773903109</cusip>
    <value>1160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7164</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>773903109</cusip>
    <value>74</value>
    <shrsOrPrnAmt>
      <sshPrnamt>454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>232</Sole>
      <Shared>0</Shared>
      <None>222</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>RUSH ENTERPRISES INC CLASS B C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>781846308</cusip>
    <value>24613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>676002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>676002</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE.COM INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>79466L302</cusip>
    <value>15914</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>179149</Sole>
      <Shared>0</Shared>
      <None>4610</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SALESFORCE.COM INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>79466L302</cusip>
    <value>1784</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20595</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>18052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>420195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>410061</Sole>
      <Shared>0</Shared>
      <None>10134</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>808513105</cusip>
    <value>1943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>45222</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT INCOME REIT</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81618T100</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8390</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>221</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>1016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15644</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15644</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>26</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>1263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>51180</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>192</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>375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5509</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>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1875</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>504</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9217</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>1536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19384</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19384</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR FD HLTH CAR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3677</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3677</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81762P102</cusip>
    <value>8377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>78307</Sole>
      <Shared>0</Shared>
      <None>721</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81762P102</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3610</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3610</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN-WILLIAMS CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>824348106</cusip>
    <value>10786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30376</Sole>
      <Shared>0</Shared>
      <None>357</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN-WILLIAMS CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>824348106</cusip>
    <value>1604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4571</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>83088M102</cusip>
    <value>14031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>146232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>145480</Sole>
      <Shared>0</Shared>
      <None>752</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>83088M102</cusip>
    <value>810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>842587107</cusip>
    <value>1718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35879</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>842587107</cusip>
    <value>118</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>20437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>328894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>316494</Sole>
      <Shared>0</Shared>
      <None>12400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHWEST AIRLINES CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>844741108</cusip>
    <value>3280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>52792</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>1195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25191</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>214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BLOOMBERG BARCLAYS CONV E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A359</cusip>
    <value>189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR BLOOMBERG BARCLAYS CONV E</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A359</cusip>
    <value>46</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>SPDR BLOOMBERG BARCLAYS H/Y ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78464A417</cusip>
    <value>316</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8503</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>213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7704</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>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>540</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>1508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39590</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>146</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3822</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>696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7490</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>4005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33937</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>33937</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78463V107</cusip>
    <value>258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2182</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>11229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>374670</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>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3025</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BLOOMBERG BARCLAYS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78468R721</cusip>
    <value>5561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>114212</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BLOOMBERG BARCLAYS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78468R721</cusip>
    <value>863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17725</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BLOOMBERG BARCLAYS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78468R739</cusip>
    <value>2608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>53771</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NUVEEN BLOOMBERG BARCLAYS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78468R739</cusip>
    <value>166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3430</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3430</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>1587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47569</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>47569</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>119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3573</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3573</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>7446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>135514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>135514</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>532</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>19626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>81166</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>3515</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14536</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>257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1824</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1824</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>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>855244109</cusip>
    <value>25506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>437424</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>435144</Sole>
      <Shared>0</Shared>
      <None>2280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>855244109</cusip>
    <value>1547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26526</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>26526</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>863667101</cusip>
    <value>2897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19277</Sole>
      <Shared>0</Shared>
      <None>1600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>863667101</cusip>
    <value>76</value>
    <shrsOrPrnAmt>
      <sshPrnamt>545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>545</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871829107</cusip>
    <value>2348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46649</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>46627</Sole>
      <Shared>0</Shared>
      <None>22</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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      <Sole>1206</Sole>
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    <cusip>87612E106</cusip>
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      <sshPrnamt>26672</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>26672</Sole>
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      <None>0</None>
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    <nameOfIssuer>TARGET CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>87612E106</cusip>
    <value>98</value>
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      <sshPrnamt>1872</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1872</Sole>
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      <None>0</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>878155100</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8640</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8640</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEXAS CAPITAL BANCSHARES INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>88224Q107</cusip>
    <value>232</value>
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      <sshPrnamt>3000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
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      <None>0</None>
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    <cusip>882508104</cusip>
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      <sshPrnamt>67910</sshPrnamt>
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    <votingAuthority>
      <Sole>67910</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEXAS INSTRUMENTS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>882508104</cusip>
    <value>1108</value>
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      <sshPrnamt>14409</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14409</Sole>
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      <None>0</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883203101</cusip>
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      <sshPrnamt>9854</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9854</Sole>
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      <None>0</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883203101</cusip>
    <value>3</value>
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      <sshPrnamt>70</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>70</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>735</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6848</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6848</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>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>695</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>695</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>176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1007</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1007</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883556102</cusip>
    <value>70</value>
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      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>400</None>
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    <nameOfIssuer>TIME WARNER INC COM NEW</nameOfIssuer>
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    <cusip>887317303</cusip>
    <value>10689</value>
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      <sshPrnamt>106457</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>105531</Sole>
      <Shared>0</Shared>
      <None>926</None>
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    <nameOfIssuer>TIME WARNER INC COM NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>887317303</cusip>
    <value>687</value>
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      <sshPrnamt>6843</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6843</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>8299</value>
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      <sshPrnamt>114990</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>112194</Sole>
      <Shared>0</Shared>
      <None>2796</None>
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    <nameOfIssuer>TJX COMPANIES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>872540109</cusip>
    <value>1449</value>
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      <sshPrnamt>20082</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20082</Sole>
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      <None>0</None>
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    <nameOfIssuer>TRACTOR SUPPLY CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>892356106</cusip>
    <value>307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5664</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5664</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TRAVELERS COMPANIES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
    <value>6953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54950</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>54400</Sole>
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      <None>550</None>
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  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
    <value>154</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1217</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>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10251</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10251</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>27</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>963</Sole>
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      <None>0</None>
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    <nameOfIssuer>TYSON FOODS INC CLASS A</nameOfIssuer>
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    <cusip>902494103</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>106767</Sole>
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      <None>3583</None>
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    <nameOfIssuer>TYSON FOODS INC CLASS A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902494103</cusip>
    <value>1079</value>
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      <sshPrnamt>17226</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17226</Sole>
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      <None>0</None>
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    <nameOfIssuer>UGI CORP COM</nameOfIssuer>
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    <cusip>902681105</cusip>
    <value>363</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>UNDER ARMOUR INC CL A COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>904311107</cusip>
    <value>906</value>
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      <sshPrnamt>41620</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>41620</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNDER ARMOUR INC CL A COM</nameOfIssuer>
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    <cusip>904311107</cusip>
    <value>16</value>
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      <sshPrnamt>750</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
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      <None>0</None>
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    <cusip>907818108</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>79664</Sole>
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      <None>1020</None>
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    <nameOfIssuer>UNION PACIFIC CORP COM</nameOfIssuer>
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    <cusip>907818108</cusip>
    <value>768</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7051</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED CONTINENTAL HLDGS INC C</nameOfIssuer>
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    <cusip>910047109</cusip>
    <value>1262</value>
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      <sshPrnamt>16774</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16774</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>26</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>344</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNITED PARCEL SERVICE CLASS B</nameOfIssuer>
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    <cusip>911312106</cusip>
    <value>2580</value>
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      <sshPrnamt>23327</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23327</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>253</value>
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      <sshPrnamt>2284</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2284</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>913017109</cusip>
    <value>7374</value>
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      <sshPrnamt>60391</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>60391</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP COM</nameOfIssuer>
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    <cusip>913017109</cusip>
    <value>579</value>
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      <sshPrnamt>4740</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4740</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91324P102</cusip>
    <value>9755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52611</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>52595</Sole>
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      <None>16</None>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91324P102</cusip>
    <value>655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3531</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>US BANCORP DEL NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902973304</cusip>
    <value>3307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63689</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57919</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>1243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23942</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23942</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>336</value>
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      <sshPrnamt>6458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6458</Sole>
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      <None>0</None>
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    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR F</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81369Y886</cusip>
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      <sshPrnamt>428</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>428</Sole>
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      <None>0</None>
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    <nameOfIssuer>VALERO ENERGY CORP NEW COM</nameOfIssuer>
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    <cusip>91913Y100</cusip>
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      <sshPrnamt>240780</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>236119</Sole>
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      <None>4661</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1894</value>
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      <sshPrnamt>28079</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>28079</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANECK VECTORS AGRIBUSINESS ET</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92189F700</cusip>
    <value>1983</value>
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      <sshPrnamt>36045</sshPrnamt>
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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>227</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>294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4700</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4700</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD FTSE ALL WORLD EX-US</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922042775</cusip>
    <value>5772</value>
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    <votingAuthority>
      <Sole>115379</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD FTSE ALL WORLD EX-US</nameOfIssuer>
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    <cusip>922042775</cusip>
    <value>165</value>
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      <sshPrnamt>3290</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3290</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922042858</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>94570</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922042858</cusip>
    <value>1991</value>
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      <sshPrnamt>48754</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>48754</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD FTSE EUROPEAN ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922042874</cusip>
    <value>852</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15454</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15454</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908736</cusip>
    <value>12649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99569</sshPrnamt>
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    <votingAuthority>
      <Sole>99569</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
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    <cusip>922908736</cusip>
    <value>932</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7338</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD INFORMATION TECHNOLOG</nameOfIssuer>
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    <cusip>92204A702</cusip>
    <value>508</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3610</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD LARGE CAP ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908637</cusip>
    <value>5397</value>
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      <sshPrnamt>48616</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>48616</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD MEGA CAP 300 ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>921910873</cusip>
    <value>423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5105</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5105</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD MID CAP ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908629</cusip>
    <value>32726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>229622</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>229622</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD MID CAP ETF</nameOfIssuer>
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    <cusip>922908629</cusip>
    <value>2479</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17392</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD REIT ETF</nameOfIssuer>
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    <cusip>922908553</cusip>
    <value>313</value>
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      <sshPrnamt>3756</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD REIT ETF</nameOfIssuer>
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    <cusip>922908553</cusip>
    <value>12</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <cusip>922908363</cusip>
    <value>250</value>
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      <sshPrnamt>1125</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
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    <cusip>922908363</cusip>
    <value>11014</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <cusip>921937827</cusip>
    <value>1907</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23887</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SHORT-TERM BOND ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>921937827</cusip>
    <value>85</value>
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      <sshPrnamt>1060</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1060</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908595</cusip>
    <value>682</value>
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      <sshPrnamt>4677</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer>
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    <cusip>922908595</cusip>
    <value>5710</value>
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    <votingAuthority>
      <Sole>39185</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SMALL CAP VALUE ETF</nameOfIssuer>
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    <cusip>922908611</cusip>
    <value>224</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1822</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer>
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    <cusip>922908751</cusip>
    <value>21436</value>
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    <nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer>
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    <cusip>922908751</cusip>
    <value>2674</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>19731</Sole>
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      <None>0</None>
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    <value>271</value>
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      <sshPrnamt>4012</sshPrnamt>
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    <votingAuthority>
      <Sole>4012</Sole>
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    <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ET</nameOfIssuer>
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    <cusip>922908769</cusip>
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    <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ET</nameOfIssuer>
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    <cusip>922908769</cusip>
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    <votingAuthority>
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    <nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
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    <cusip>922908744</cusip>
    <value>4179</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>43283</Sole>
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      <None>0</None>
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    <nameOfIssuer>VEREIT INC REIT</nameOfIssuer>
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    <cusip>92339V100</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30614</Sole>
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      <None>0</None>
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    <nameOfIssuer>VERIZON COMMUNICATIONS COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92343V104</cusip>
    <value>9817</value>
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      <sshPrnamt>219826</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>212517</Sole>
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      <None>7309</None>
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    <cusip>92343V104</cusip>
    <value>2021</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>45242</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC COM</nameOfIssuer>
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    <cusip>92532F100</cusip>
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      <sshPrnamt>1972</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1972</Sole>
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  <infoTable>
    <nameOfIssuer>VERTEX PHARMACEUTICALS INC COM</nameOfIssuer>
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    <cusip>92532F100</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>78</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VISA INC CL A COM</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>386204</Sole>
      <Shared>0</Shared>
      <None>5228</None>
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    <nameOfIssuer>VISA INC CL A COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92826C839</cusip>
    <value>3920</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>41622</Sole>
      <Shared>0</Shared>
      <None>180</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WAL MART STORES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>931142103</cusip>
    <value>6883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>86243</Sole>
      <Shared>0</Shared>
      <None>4701</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WAL MART STORES INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>931142103</cusip>
    <value>1672</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22089</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>931427108</cusip>
    <value>18356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>234399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>228225</Sole>
      <Shared>0</Shared>
      <None>6174</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>931427108</cusip>
    <value>2086</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>26235</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
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    <nameOfIssuer>WASTE MANAGEMENT DEL INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>94106L109</cusip>
    <value>358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4882</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4882</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WEC ENERGY GROUP INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92939U106</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WELLS FARGO &amp; CO NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>949746101</cusip>
    <value>22871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>412759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>405870</Sole>
      <Shared>0</Shared>
      <None>6889</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WELLS FARGO &amp; CO NEW COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>949746101</cusip>
    <value>2419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>43665</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WEYERHAEUSER CO REIT</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>962166104</cusip>
    <value>18739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>559376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>550954</Sole>
      <Shared>0</Shared>
      <None>8422</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO REIT</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>962166104</cusip>
    <value>2265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>67607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>963320106</cusip>
    <value>14310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>73889</Sole>
      <Shared>0</Shared>
      <None>791</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WHIRLPOOL CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>963320106</cusip>
    <value>896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4676</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WHOLE FOODS MARKET INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>966837106</cusip>
    <value>197</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4672</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4672</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WHOLE FOODS MARKET INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>966837106</cusip>
    <value>9</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>204</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WORKDAY INC CL A COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98138H101</cusip>
    <value>413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4257</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4257</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WORKDAY INC CL A COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98138H101</cusip>
    <value>129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1335</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WYNDHAM WORLDWIDE CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98310W108</cusip>
    <value>624</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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  <infoTable>
    <nameOfIssuer>YUM! BRANDS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>988498101</cusip>
    <value>3328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45125</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>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2737</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>1268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9879</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>99</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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  <infoTable>
    <nameOfIssuer>ZOETIS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98978V103</cusip>
    <value>18723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>289294</Sole>
      <Shared>0</Shared>
      <None>10857</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ZOETIS INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98978V103</cusip>
    <value>2725</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>43690</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>3M CO COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>88579Y101</cusip>
    <value>6664</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32007</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>31906</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>1357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6518</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>663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ACCENTURE PLC CLASS A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G1151C101</cusip>
    <value>312</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>333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5092</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>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALIBABA GROUP HOLDING LTD SPON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>01609W102</cusip>
    <value>442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3135</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>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALLERGAN PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G0177J108</cusip>
    <value>9719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39969</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ALLERGAN PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G0177J108</cusip>
    <value>729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BARRICK GOLD CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>067901108</cusip>
    <value>799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50190</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50190</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BCE INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>05534B760</cusip>
    <value>2206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48973</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>48973</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BCE INC COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>05534B760</cusip>
    <value>151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>055622104</cusip>
    <value>2649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>76441</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>055622104</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3068</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3068</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CANADIAN NATIONAL RAILWAY CO C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>136375102</cusip>
    <value>49</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>CANADIAN PACIFIC RAILWAY LTD C</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>13645T100</cusip>
    <value>9610</value>
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      <sshPrnamt>59757</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>59159</Sole>
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      <None>598</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>13645T100</cusip>
    <value>926</value>
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      <sshPrnamt>5757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5757</Sole>
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      <None>0</None>
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    <nameOfIssuer>CARNIVAL CORP PAIRED CTF 1 COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>143658300</cusip>
    <value>16120</value>
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      <sshPrnamt>245837</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>2506</None>
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    <nameOfIssuer>CARNIVAL CORP PAIRED CTF 1 COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>143658300</cusip>
    <value>1021</value>
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      <sshPrnamt>15566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15566</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>DIAGEO PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>249</value>
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      <sshPrnamt>2079</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2079</Sole>
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      <None>0</None>
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    <nameOfIssuer>DIAGEO PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>283</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G29183103</cusip>
    <value>16580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>213028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>211338</Sole>
      <Shared>0</Shared>
      <None>1690</None>
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    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G29183103</cusip>
    <value>1069</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13430</Sole>
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      <None>310</None>
    </votingAuthority>
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    <nameOfIssuer>ELDORADO GOLD CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>284902103</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>29250N105</cusip>
    <value>946</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23771</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>29250N105</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2478</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2478</Sole>
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      <None>0</None>
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    <nameOfIssuer>ENSCO PLC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G3157S106</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14531</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14531</Sole>
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      <None>0</None>
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    <nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G47791101</cusip>
    <value>548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5994</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9875</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO LTD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G491BT108</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>109</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>109</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G51502105</cusip>
    <value>15970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>368320</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>361222</Sole>
      <Shared>0</Shared>
      <None>7098</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G51502105</cusip>
    <value>2210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>50191</Sole>
      <Shared>0</Shared>
      <None>775</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>20521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231219</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>227728</Sole>
      <Shared>0</Shared>
      <None>3491</None>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>1965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22145</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NIELSEN HLDGS PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G6518L108</cusip>
    <value>14207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>367498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>365239</Sole>
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      <None>2259</None>
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    <nameOfIssuer>NIELSEN HLDGS PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G6518L108</cusip>
    <value>913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23620</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NOKIA CORP SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654902204</cusip>
    <value>1325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>215098</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>215098</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NOKIA CORP SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654902204</cusip>
    <value>2</value>
    <shrsOrPrnAmt>
      <sshPrnamt>345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>345</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NOVARTIS AG ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>66987V109</cusip>
    <value>20006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>239680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>239617</Sole>
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      <None>63</None>
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    <nameOfIssuer>NOVARTIS AG ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>66987V109</cusip>
    <value>1402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16798</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>10156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92788</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>90271</Sole>
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      <None>2517</None>
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    <nameOfIssuer>NXP SEMICONDUCTORS NV</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>N6596X109</cusip>
    <value>1790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16355</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PAN AMERICAN SILVER CORP COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>697900108</cusip>
    <value>185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11000</Sole>
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      <None>0</None>
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    <nameOfIssuer>PERRIGO CO PLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G97822103</cusip>
    <value>4436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58738</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>58670</Sole>
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      <None>68</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G97822103</cusip>
    <value>140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1858</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1858</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROYAL DUTCH SHELL PLC ADR CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259206</cusip>
    <value>2881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54161</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>54161</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC ADR CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259206</cusip>
    <value>122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1987</Sole>
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      <None>300</None>
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    <nameOfIssuer>ROYAL DUTCH SHELL PLC ADR CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259107</cusip>
    <value>17899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>328837</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>323753</Sole>
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      <None>5084</None>
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  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC ADR CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259107</cusip>
    <value>1549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>28455</Sole>
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      <None>0</None>
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    <nameOfIssuer>SAP AG SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>803054204</cusip>
    <value>351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3355</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAP AG SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>803054204</cusip>
    <value>14</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>136</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LIMITED COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>806857108</cusip>
    <value>26253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>398742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>119275</Sole>
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      <None>4175</None>
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  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LIMITED COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>806857108</cusip>
    <value>2059</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30980</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEADRILL LTD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G7945E105</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16298</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEADRILL LTD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G7945E105</cusip>
    <value>0</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>8433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50576</Sole>
      <Shared>0</Shared>
      <None>452</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHIRE PLC ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>82481R106</cusip>
    <value>412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2495</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>350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10524</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>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1532</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>1041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20989</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>126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2533</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER PLC SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>904767704</cusip>
    <value>633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11697</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>262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9105</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>57</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WASTE CONNECTIONS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>94106B101</cusip>
    <value>275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4266</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2241</Sole>
      <Shared>0</Shared>
      <None>2025</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LIBERTY ALL-STAR EQUITY FD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>530158104</cusip>
    <value>138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>24295</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN AMT-FREE MUNICIPAL INCO</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>670657105</cusip>
    <value>153</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11150</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN DIVID ADVANTAGE MUN FD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67066V101</cusip>
    <value>193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13771</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUN CREDIT INCOME FD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67070X101</cusip>
    <value>282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18874</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18874</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN MUNICIPAL VALUE FUND</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>670928100</cusip>
    <value>510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>51191</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACK STONE MINERALS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>09225M101</cusip>
    <value>1558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>93854</Sole>
      <Shared>0</Shared>
      <None>5011</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACK STONE MINERALS LP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>09225M101</cusip>
    <value>95</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BUCKEYE PARTNERS L P UNIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>118230101</cusip>
    <value>267</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>281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17590</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17590</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENBRIDGE ENERGY PARTNERS L P</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>29250R106</cusip>
    <value>15</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>1119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>62307</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>293792107</cusip>
    <value>2451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>90527</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>293792107</cusip>
    <value>63</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>682</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>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD LTD CL A</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G54050102</cusip>
    <value>9</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>1305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18316</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSTAR ENERGY LP UNIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67058H102</cusip>
    <value>360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7718</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUSTAR GP HOLDINGS LLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67059L102</cusip>
    <value>383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15651</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15651</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAINS ALL AMERICAN PIPELINE L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>726503105</cusip>
    <value>3312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>126071</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PLAINS ALL AMERICAN PIPELINE L</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>726503105</cusip>
    <value>750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>28559</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SABINE ROYALTY TRUST UNITS BEN</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>785688102</cusip>
    <value>370</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>17</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>398</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>987</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>
