<SEC-DOCUMENT>0001104659-21-129810.txt : 20211026
<SEC-HEADER>0001104659-21-129810.hdr.sgml : 20211026
<ACCEPTANCE-DATETIME>20211026100820
ACCESSION NUMBER:		0001104659-21-129810
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20210930
FILED AS OF DATE:		20211026
DATE AS OF CHANGE:		20211026
EFFECTIVENESS DATE:		20211026

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Atlantic Union Bankshares Corp
		CENTRAL INDEX KEY:			0000883948
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				540412820
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-16124
		FILM NUMBER:		211346697

	BUSINESS ADDRESS:	
		STREET 1:		1051 EAST CARY STREET
		STREET 2:		SUITE 1200
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23219
		BUSINESS PHONE:		800-990-4828

	MAIL ADDRESS:	
		STREET 1:		1051 EAST CARY STREET
		STREET 2:		SUITE 1200
		CITY:			RICHMOND
		STATE:			VA
		ZIP:			23219

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Union Bankshares Corp
		DATE OF NAME CHANGE:	20140430

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNION FIRST MARKET BANKSHARES CORP
		DATE OF NAME CHANGE:	20140424

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Union Bankshares Corp
		DATE OF NAME CHANGE:	20140424
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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      <liveTestFlag>LIVE</liveTestFlag>
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        <confirmingCopyFlag>false</confirmingCopyFlag>
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      <filer>
        <credentials>
          <cik>0000883948</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>09-30-2021</periodOfReport>
    </filerInfo>
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    <coverPage>
      <reportCalendarOrQuarter>09-30-2021</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>Atlantic Union Bankshares Corp</name>
        <address>
          <ns1:street1>1051 East Cary Street</ns1:street1>
          <ns1:street2>Suite 1200</ns1:street2>
          <ns1:city>Richmond</ns1:city>
          <ns1:stateOrCountry>VA</ns1:stateOrCountry>
          <ns1:zipCode>23219</ns1:zipCode>
        </address>
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      <form13FFileNumber>028-16124</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Kimberly Thayer</name>
      <title>Chief Compliance Officer - Trust</title>
      <phone>804-774-2075</phone>
      <signature>/s/ Kimberly Thayer</signature>
      <city>Richmond</city>
      <stateOrCountry>VA</stateOrCountry>
      <signatureDate>10-26-2021</signatureDate>
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      <sshPrnamt>3317</sshPrnamt>
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      <Sole>65224</Sole>
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      <None>0</None>
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      <sshPrnamt>100</sshPrnamt>
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      <sshPrnamt>19660</sshPrnamt>
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      <Sole>19660</Sole>
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      <None>0</None>
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    <value>237</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>688239201</cusip>
    <value>420</value>
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      <sshPrnamt>4100</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>SPDR S&amp;P 500 ETF</nameOfIssuer>
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    <cusip>78462F103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4525</sshPrnamt>
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    <votingAuthority>
      <Sole>4525</Sole>
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      <None>0</None>
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    <value>14</value>
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      <sshPrnamt>41</sshPrnamt>
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    <nameOfIssuer>STEEL DYNAMICS INC COM</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>72288</Sole>
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    <cusip>713448108</cusip>
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      <sshPrnamt>7429</sshPrnamt>
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    <cusip>494368103</cusip>
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    <votingAuthority>
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    <cusip>78463V107</cusip>
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    <votingAuthority>
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    <nameOfIssuer>ALERIAN MLP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>00162Q452</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>400</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ALERIAN MLP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>00162Q452</cusip>
    <value>336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10070</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10070</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK TAX MUNICPAL BD TR SHS</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>09248X100</cusip>
    <value>1292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>50187</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK CORE BD TR SHS BEN INT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>09249E101</cusip>
    <value>1122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67745</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROOKFIELD ASSET MGMT INC CL A LTD VT SH</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>112585104</cusip>
    <value>156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2919</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2919</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROOKFIELD ASSET MGMT INC CL A LTD VT SH</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>112585104</cusip>
    <value>4903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>91629</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10310</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1534</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1534</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16234</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908363</cusip>
    <value>451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AGREE RLTY CORP COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>008492100</cusip>
    <value>696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>209115104</cusip>
    <value>42</value>
    <shrsOrPrnAmt>
      <sshPrnamt>575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>575</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>209115104</cusip>
    <value>198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2726</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464289438</cusip>
    <value>2501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16382</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>16382</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464289438</cusip>
    <value>76919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>503825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>503825</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO S&amp;P 500 EQUAL WEIGHT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46137V357</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2004</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK GOLD MINERS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>476</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16138</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>16138</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK GOLD MINERS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>10387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>352448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>352448</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEKLA LIFE SCIENCES INVS SH BEN INT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>87911K100</cusip>
    <value>35</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1700</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEKLA LIFE SCIENCES INVS SH BEN INT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>87911K100</cusip>
    <value>2082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100108</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100108</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
    <value>271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1174</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>532457108</cusip>
    <value>3718</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16092</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>009158106</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1158</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AIR PRODS &amp; CHEMS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>009158106</cusip>
    <value>5751</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22454</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD RUSSELL 1000 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C680</cusip>
    <value>762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>10820</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD RUSSELL 1000 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C680</cusip>
    <value>3123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44319</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEKLA HEALTHCARE INVS SH BEN INT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>87911J103</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2077</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2077</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEKLA HEALTHCARE INVS SH BEN INT</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>87911J103</cusip>
    <value>891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34843</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26441C204</cusip>
    <value>260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2663</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2663</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26441C204</cusip>
    <value>5479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>56147</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>253868103</cusip>
    <value>372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2577</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>253868103</cusip>
    <value>9854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68215</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>68215</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>700</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16364</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>001055102</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>600</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>AFLAC INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>001055102</cusip>
    <value>533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10230</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>600</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2196</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2196</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PREMIER FINANCIAL CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74052F108</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7000</Sole>
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      <None>0</None>
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    <nameOfIssuer>EVERSOURCE ENERGY COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30040W108</cusip>
    <value>28</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>340</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EVERSOURCE ENERGY COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30040W108</cusip>
    <value>185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2266</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2266</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ISHARES RUSSELL MID-CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>1002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>8944</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MID-CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>18150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161955</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>161955</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MARATHON PETE CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>455</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7360</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7360</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PREFERRED APT CMNTYS INC COM</nameOfIssuer>
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    <cusip>74039L103</cusip>
    <value>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2700</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PREFERRED APT CMNTYS INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>74039L103</cusip>
    <value>1486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>121475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>121475</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ERIE INDTY CO CL A</nameOfIssuer>
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    <cusip>29530P102</cusip>
    <value>26772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>150050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>VANGUARD MID-CAP GROWTH INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908538</cusip>
    <value>1236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5230</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SCHWAB US DIVIDEND EQUITY ETF</nameOfIssuer>
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    <cusip>808524797</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2825</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2825</Shared>
      <None>0</None>
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    <nameOfIssuer>SCHWAB US DIVIDEND EQUITY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524797</cusip>
    <value>3039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40937</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40937</Sole>
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      <None>0</None>
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    <nameOfIssuer>VISA INC COM CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92826C839</cusip>
    <value>145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>649</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>649</Shared>
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    <nameOfIssuer>VISA INC COM CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92826C839</cusip>
    <value>3195</value>
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      <sshPrnamt>14344</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14344</Sole>
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      <None>0</None>
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    <nameOfIssuer>KELLOGG CO COM</nameOfIssuer>
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    <cusip>487836108</cusip>
    <value>284</value>
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      <sshPrnamt>4445</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4445</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD VALUE INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2639</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2639</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>VANGUARD GROWTH INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>67</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>230</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>VANGUARD GROWTH INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1718</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES U.S. TREASURY BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46429B267</cusip>
    <value>265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9993</sshPrnamt>
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    <votingAuthority>
      <Sole>9993</Sole>
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      <None>0</None>
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    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>64</value>
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      <sshPrnamt>290</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>290</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC COM</nameOfIssuer>
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    <cusip>502431109</cusip>
    <value>2038</value>
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      <sshPrnamt>9255</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>9255</Sole>
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      <None>0</None>
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    <nameOfIssuer>PHILLIPS 66 COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718546104</cusip>
    <value>125</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1783</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>1783</Shared>
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    <nameOfIssuer>PHILLIPS 66 COM</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>0</None>
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    <titleOfClass>REIT</titleOfClass>
    <cusip>03027X100</cusip>
    <value>630</value>
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      <sshPrnamt>2373</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2373</Sole>
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      <None>0</None>
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    <nameOfIssuer>IRON MTN INC NEW COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>46284V101</cusip>
    <value>434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9990</sshPrnamt>
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    <votingAuthority>
      <Sole>9990</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES CORE S&amp;P TOTAL U.S. STOCK MARKET ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287150</cusip>
    <value>305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3105</sshPrnamt>
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      <Sole>3105</Sole>
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      <None>0</None>
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    <nameOfIssuer>ROYCE VALUE TR INC COM</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>780910105</cusip>
    <value>60</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>3347</Shared>
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    <nameOfIssuer>ROYCE VALUE TR INC COM</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>780910105</cusip>
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      <Sole>203382</Sole>
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    <nameOfIssuer>GLADSTONE INVT CORP COM</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>FACEBOOK INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30303M102</cusip>
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      <sshPrnamt>249</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <Shared>249</Shared>
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  <infoTable>
    <nameOfIssuer>FACEBOOK INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30303M102</cusip>
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      <sshPrnamt>16818</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16818</Sole>
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      <None>0</None>
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    <nameOfIssuer>INGREDION INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>457187102</cusip>
    <value>89</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>34</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14485</Sole>
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      <None>0</None>
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    <nameOfIssuer>MONDELEZ INTL INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609207105</cusip>
    <value>366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6293</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
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  <infoTable>
    <nameOfIssuer>MONDELEZ INTL INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>609207105</cusip>
    <value>6900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>118600</sshPrnamt>
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    <votingAuthority>
      <Sole>118600</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROADCOM INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>852</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>852</Shared>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>7027</value>
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      <sshPrnamt>14491</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14491</Sole>
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    <nameOfIssuer>D R HORTON INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23331A109</cusip>
    <value>142</value>
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      <None>0</None>
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    <cusip>59156R108</cusip>
    <value>1267</value>
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      <Sole>20528</Sole>
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      <None>0</None>
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    <value>6</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <value>168</value>
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      <Sole>13034</Sole>
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      <None>0</None>
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      <None>0</None>
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    <value>1807</value>
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      <Sole>8723</Sole>
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      <None>0</None>
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    <cusip>464288646</cusip>
    <value>703</value>
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      <sshPrnamt>12869</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12869</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES SHORT TREASURY BOND ETF</nameOfIssuer>
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    <cusip>464288679</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>ISHARES SHORT TREASURY BOND ETF</nameOfIssuer>
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    <cusip>464288679</cusip>
    <value>283</value>
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      <sshPrnamt>2561</sshPrnamt>
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    <nameOfIssuer>CUMMINS INC COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>1802</Shared>
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    <votingAuthority>
      <Sole>33480</Sole>
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      <None>0</None>
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    <nameOfIssuer>ABBVIE INC COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <sshPrnamt>721</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <sshPrnamt>17041</sshPrnamt>
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    <votingAuthority>
      <Sole>17041</Sole>
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    <nameOfIssuer>OWENS &amp; MINOR INC NEW COM</nameOfIssuer>
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    <value>395</value>
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      <sshPrnamt>12638</sshPrnamt>
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      <Sole>12638</Sole>
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    <nameOfIssuer>ZOETIS INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>13</value>
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      <sshPrnamt>69</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11070</Sole>
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      <None>0</None>
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    <nameOfIssuer>MORGAN STANLEY EMERGING MKTS COM</nameOfIssuer>
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    <value>155</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26475</Sole>
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    <nameOfIssuer>BLACKSTONE INC COM</nameOfIssuer>
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    <cusip>09260D107</cusip>
    <value>81</value>
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      <sshPrnamt>700</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>6116</Sole>
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    <cusip>469814107</cusip>
    <value>97</value>
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      <sshPrnamt>729</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <votingAuthority>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <value>16</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2600</Sole>
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  <infoTable>
    <nameOfIssuer>QUALCOMM INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
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      <Sole>78913</Sole>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>16</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <votingAuthority>
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      <None>0</None>
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      <Sole>3922</Sole>
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      <None>0</None>
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    <cusip>464287499</cusip>
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      <Shared>30204</Shared>
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      <Sole>731997</Sole>
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      <sshPrnamt>514</sshPrnamt>
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    <cusip>92189F791</cusip>
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      <Sole>3219</Sole>
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    <nameOfIssuer>ISHARES PREFERRED AND INCOME SECURITIES ETF</nameOfIssuer>
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    <cusip>666807102</cusip>
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    <cusip>78463X509</cusip>
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    <cusip>78463X509</cusip>
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      <sshPrnamt>416</sshPrnamt>
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    <cusip>68902V107</cusip>
    <value>29</value>
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    <cusip>178587101</cusip>
    <value>14</value>
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      <Sole>10000</Sole>
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    <nameOfIssuer>VANGUARD DIVIDEND APPRECIATION INDEX FUND</nameOfIssuer>
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