<SEC-DOCUMENT>0000908834-25-000313.txt : 20251029
<SEC-HEADER>0000908834-25-000313.hdr.sgml : 20251029
<ACCEPTANCE-DATETIME>20251029144833
ACCESSION NUMBER:		0000908834-25-000313
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250930
FILED AS OF DATE:		20251029
DATE AS OF CHANGE:		20251029
EFFECTIVENESS DATE:		20251029

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			HORIZON BANCORP INC /IN/
		CENTRAL INDEX KEY:			0000706129
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				351562417
		STATE OF INCORPORATION:			IN
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-06479
		FILM NUMBER:		251429490

	BUSINESS ADDRESS:	
		STREET 1:		515 FRANKLIN STREET
		CITY:			MICHIGAN CITY
		STATE:			IN
		ZIP:			46360
		BUSINESS PHONE:		2198790211

	MAIL ADDRESS:	
		STREET 1:		515 FRANKLIN STREET
		CITY:			MICHIGAN CITY
		STATE:			IN
		ZIP:			46360

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	HORIZON BANCORP /IN/
		DATE OF NAME CHANGE:	19920703

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CITIZENS MICHIANA FINANCIAL CORP
		DATE OF NAME CHANGE:	19861021
</SEC-HEADER>
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      <periodOfReport>09-30-2025</periodOfReport>
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          <com:city>MICHIGAN CITY</com:city>
          <com:stateOrCountry>IN</com:stateOrCountry>
          <com:zipCode>46360</com:zipCode>
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    <signatureBlock>
      <name>Rebecca L. Greenlaw</name>
      <title>VP, Trust Operations and Risk Management</title>
      <phone>219-873-2618</phone>
      <signature>/s/ Rebecca L. Greenlaw</signature>
      <city>Michigan City</city>
      <stateOrCountry>IN</stateOrCountry>
      <signatureDate>10-21-2025</signatureDate>
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        <titleOfClass>Com</titleOfClass>
        <cusip>20030N101</cusip>
        <value>173</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5504</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>248</Sole>
            <Shared>0</Shared>
            <None>5256</None>
        </votingAuthority>
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        <nameOfIssuer>Conocophillips</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>20825C104</cusip>
        <value>10</value>
        <shrsOrPrnAmt>
            <sshPrnamt>108</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>28</Sole>
            <Shared>0</Shared>
            <None>80</None>
        </votingAuthority>
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        <nameOfIssuer>Consolidated Edison Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>209115104</cusip>
        <value>14</value>
        <shrsOrPrnAmt>
            <sshPrnamt>144</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>144</None>
        </votingAuthority>
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        <nameOfIssuer>Constellation Brands Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>21036P108</cusip>
        <value>17</value>
        <shrsOrPrnAmt>
            <sshPrnamt>125</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>125</None>
        </votingAuthority>
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        <nameOfIssuer>Corteva Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>22052L104</cusip>
        <value>316</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4670</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>4670</None>
        </votingAuthority>
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        <nameOfIssuer>Costco Wholesale Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>22160K105</cusip>
        <value>593</value>
        <shrsOrPrnAmt>
            <sshPrnamt>641</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>28</Sole>
            <Shared>0</Shared>
            <None>613</None>
        </votingAuthority>
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        <nameOfIssuer>Cummins Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>231021106</cusip>
        <value>50</value>
        <shrsOrPrnAmt>
            <sshPrnamt>118</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>118</None>
        </votingAuthority>
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        <nameOfIssuer>DTE Energy</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>233331107</cusip>
        <value>20</value>
        <shrsOrPrnAmt>
            <sshPrnamt>143</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>143</None>
        </votingAuthority>
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        <nameOfIssuer>DT Midstream Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>23345M107</cusip>
        <value>7</value>
        <shrsOrPrnAmt>
            <sshPrnamt>66</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>66</None>
        </votingAuthority>
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        <nameOfIssuer>Disney Walt CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>254687106</cusip>
        <value>264</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2304</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>83</Sole>
            <Shared>0</Shared>
            <None>2221</None>
        </votingAuthority>
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        <nameOfIssuer>Dow Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>260557103</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>170</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>170</None>
        </votingAuthority>
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        <nameOfIssuer>DuPont de Nemours Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>26614N102</cusip>
        <value>147</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1881</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>79</Sole>
            <Shared>0</Shared>
            <None>1802</None>
        </votingAuthority>
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        <nameOfIssuer>EOG Resources Inc Com</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>26875P101</cusip>
        <value>187</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1665</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>69</Sole>
            <Shared>0</Shared>
            <None>1596</None>
        </votingAuthority>
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        <nameOfIssuer>Eaton Vance Ltd Duration Incom</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>27828H105</cusip>
        <value>0</value>
        <shrsOrPrnAmt>
            <sshPrnamt>42</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>42</None>
        </votingAuthority>
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        <nameOfIssuer>Edison Intl</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>281020107</cusip>
        <value>0</value>
        <shrsOrPrnAmt>
            <sshPrnamt>7</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>7</None>
        </votingAuthority>
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        <nameOfIssuer>Exxon Mobil Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>30231G102</cusip>
        <value>370</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3282</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>91</Sole>
            <Shared>0</Shared>
            <None>3191</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Meta Platforms Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>30303M102</cusip>
        <value>914</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1244</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>57</Sole>
            <Shared>0</Shared>
            <None>1187</None>
        </votingAuthority>
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        <nameOfIssuer>Fedex Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>31428X106</cusip>
        <value>37</value>
        <shrsOrPrnAmt>
            <sshPrnamt>155</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>14</Sole>
            <Shared>0</Shared>
            <None>141</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Finward Bancorp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>31812F109</cusip>
        <value>9</value>
        <shrsOrPrnAmt>
            <sshPrnamt>268</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>268</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>First Financial Bancorp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>320209109</cusip>
        <value>87</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3426</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>3426</Sole>
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            <None>0</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>First Trust Financials Alphadex</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33734X135</cusip>
        <value>53</value>
        <shrsOrPrnAmt>
            <sshPrnamt>898</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>147</Sole>
            <Shared>0</Shared>
            <None>751</None>
        </votingAuthority>
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        <nameOfIssuer>Flexshares Morningstar Global Ups</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L407</cusip>
        <value>2682</value>
        <shrsOrPrnAmt>
            <sshPrnamt>61269</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>13144</Sole>
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            <None>48125</None>
        </votingAuthority>
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        <nameOfIssuer>Flexshares IBOXX 3 Year Target Date</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L506</cusip>
        <value>8426</value>
        <shrsOrPrnAmt>
            <sshPrnamt>346313</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>61975</Sole>
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            <None>284338</None>
        </votingAuthority>
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        <nameOfIssuer>Flexshares High Yield VL ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L662</cusip>
        <value>5208</value>
        <shrsOrPrnAmt>
            <sshPrnamt>126408</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>21121</Sole>
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            <None>105287</None>
        </votingAuthority>
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        <nameOfIssuer>Flexshares Credit Scored US Corp Bond</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L761</cusip>
        <value>8420</value>
        <shrsOrPrnAmt>
            <sshPrnamt>170967</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>30805</Sole>
            <Shared>0</Shared>
            <None>140162</None>
        </votingAuthority>
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        <nameOfIssuer>Flexshares Quality Dividend Index ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>33939L860</cusip>
        <value>2869</value>
        <shrsOrPrnAmt>
            <sshPrnamt>36134</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>6705</Sole>
            <Shared>0</Shared>
            <None>29429</None>
        </votingAuthority>
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        <nameOfIssuer>Fortrea Holdings Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>34965K107</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>128</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>128</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Freeport McMoran Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>35671D857</cusip>
        <value>112</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2856</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>124</Sole>
            <Shared>0</Shared>
            <None>2732</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>GE Healthcare Technologies Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>36266G107</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>13</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>General Dynamics Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>369550108</cusip>
        <value>287</value>
        <shrsOrPrnAmt>
            <sshPrnamt>841</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>36</Sole>
            <Shared>0</Shared>
            <None>805</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>GSK PLC ADr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>37733W204</cusip>
        <value>261</value>
        <shrsOrPrnAmt>
            <sshPrnamt>6035</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>310</Sole>
            <Shared>0</Shared>
            <None>5725</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Goldman Sachs Physical Gold Unit</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>38150K103</cusip>
        <value>458</value>
        <shrsOrPrnAmt>
            <sshPrnamt>12015</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>9495</Sole>
            <Shared>0</Shared>
            <None>2520</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Grainger Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>384802104</cusip>
        <value>16</value>
        <shrsOrPrnAmt>
            <sshPrnamt>17</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>17</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>HCA Healthcare Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>40412C101</cusip>
        <value>4</value>
        <shrsOrPrnAmt>
            <sshPrnamt>10</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>10</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Halliburton CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>406216101</cusip>
        <value>20</value>
        <shrsOrPrnAmt>
            <sshPrnamt>804</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>78</Sole>
            <Shared>0</Shared>
            <None>726</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Healthpeak Pptys Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>42250P103</cusip>
        <value>3</value>
        <shrsOrPrnAmt>
            <sshPrnamt>133</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>133</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Home Depot Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>437076102</cusip>
        <value>325</value>
        <shrsOrPrnAmt>
            <sshPrnamt>802</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>36</Sole>
            <Shared>0</Shared>
            <None>766</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Honeywell International Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>438516106</cusip>
        <value>285</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1354</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>60</Sole>
            <Shared>0</Shared>
            <None>1294</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Horizon Bancorp Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>440407104</cusip>
        <value>9319</value>
        <shrsOrPrnAmt>
            <sshPrnamt>582099</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>21060</Sole>
            <Shared>0</Shared>
            <None>561039</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Intel Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>458140100</cusip>
        <value>107</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3194</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>37</Sole>
            <Shared>0</Shared>
            <None>3157</None>
        </votingAuthority>
    </infoTable>
    <infoTable>
        <nameOfIssuer>Intercontinental Exchange Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>45866F104</cusip>
        <value>207</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1227</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>53</Sole>
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        <value>17</value>
        <shrsOrPrnAmt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>59</None>
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            <sshPrnamt>64</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>64</None>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>22</None>
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            <None>209</None>
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            <None>92</None>
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            <None>101</None>
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            <None>0</None>
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        <value>63</value>
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            <sshPrnamt>94</sshPrnamt>
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            <None>94</None>
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        <value>9635</value>
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        <cusip>464287549</cusip>
        <value>543</value>
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            <sshPrnamt>4308</sshPrnamt>
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        <votingAuthority>
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            <None>145</None>
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        <cusip>464287630</cusip>
        <value>26</value>
        <shrsOrPrnAmt>
            <sshPrnamt>145</sshPrnamt>
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        <cusip>464287648</cusip>
        <value>58</value>
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            <sshPrnamt>182</sshPrnamt>
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        <value>6872</value>
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        <value>2</value>
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            <sshPrnamt>15</sshPrnamt>
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        <value>113</value>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>1476</None>
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        <cusip>464288612</cusip>
        <value>30747</value>
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            <sshPrnamt>286189</sshPrnamt>
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        <cusip>464288877</cusip>
        <value>171</value>
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        <cusip>46432F842</cusip>
        <value>8567</value>
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        <cusip>46434V381</cusip>
        <value>1</value>
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            <sshPrnamt>17</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>17</None>
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            <None>3189</None>
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            <None>928</None>
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        <value>221</value>
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            <None>1644</None>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>35</None>
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            <sshPrnamt>214</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
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            <None>214</None>
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            <sshPrnamt>13</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
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            <None>13</None>
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        <nameOfIssuer>Lilly Eli &amp; CO</nameOfIssuer>
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        <cusip>532457108</cusip>
        <value>116</value>
        <shrsOrPrnAmt>
            <sshPrnamt>152</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
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            <None>152</None>
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        <titleOfClass>Com</titleOfClass>
        <cusip>571748102</cusip>
        <value>213</value>
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            <sshPrnamt>1059</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>46</Sole>
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            <None>1013</None>
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        <value>596</value>
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            <sshPrnamt>8473</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>8473</None>
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        <cusip>57636Q104</cusip>
        <value>731</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1286</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>56</Sole>
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            <None>1230</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>580135101</cusip>
        <value>105</value>
        <shrsOrPrnAmt>
            <sshPrnamt>346</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>14</Sole>
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            <None>332</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>58933Y105</cusip>
        <value>34</value>
        <shrsOrPrnAmt>
            <sshPrnamt>407</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>407</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>594918104</cusip>
        <value>2055</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3968</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>205</Sole>
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            <None>3763</None>
        </votingAuthority>
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        <nameOfIssuer>Microchip Technology Inc.</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>595017104</cusip>
        <value>6</value>
        <shrsOrPrnAmt>
            <sshPrnamt>92</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>92</None>
        </votingAuthority>
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        <titleOfClass>Com</titleOfClass>
        <cusip>609207105</cusip>
        <value>224</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3582</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>185</Sole>
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            <None>3397</None>
        </votingAuthority>
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        <nameOfIssuer>Motorola Solutions Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>620076307</cusip>
        <value>30</value>
        <shrsOrPrnAmt>
            <sshPrnamt>66</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>66</None>
        </votingAuthority>
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        <nameOfIssuer>Netflix Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>64110L106</cusip>
        <value>199</value>
        <shrsOrPrnAmt>
            <sshPrnamt>166</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>5</Sole>
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            <None>161</None>
        </votingAuthority>
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        <nameOfIssuer>Nextera Energy Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>65339F101</cusip>
        <value>209</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2763</sshPrnamt>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>124</Sole>
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            <None>2639</None>
        </votingAuthority>
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        <nameOfIssuer>Nike Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>654106103</cusip>
        <value>156</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2242</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>108</Sole>
            <Shared>0</Shared>
            <None>2134</None>
        </votingAuthority>
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        <nameOfIssuer>Nisource Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>65473P105</cusip>
        <value>701</value>
        <shrsOrPrnAmt>
            <sshPrnamt>16197</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>16197</None>
        </votingAuthority>
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        <nameOfIssuer>Norfolk Southern Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>655844108</cusip>
        <value>441</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1469</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>64</Sole>
            <Shared>0</Shared>
            <None>1405</None>
        </votingAuthority>
    </infoTable>
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        <nameOfIssuer>Nvidia Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>67066G104</cusip>
        <value>2430</value>
        <shrsOrPrnAmt>
            <sshPrnamt>13023</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>575</Sole>
            <Shared>0</Shared>
            <None>12448</None>
        </votingAuthority>
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        <nameOfIssuer>Occidental Petroleum Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>674599105</cusip>
        <value>14</value>
        <shrsOrPrnAmt>
            <sshPrnamt>300</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>300</None>
        </votingAuthority>
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        <nameOfIssuer>Oracle Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>68389X105</cusip>
        <value>1521</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5407</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>91</Sole>
            <Shared>0</Shared>
            <None>5316</None>
        </votingAuthority>
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        <nameOfIssuer>Organon &amp; Co</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>68622V106</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>51</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>51</None>
        </votingAuthority>
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        <nameOfIssuer>PPL Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>69351T106</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>42</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>42</None>
        </votingAuthority>
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        <nameOfIssuer>Palantir Technologies Inc Cl A</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>69608A108</cusip>
        <value>18</value>
        <shrsOrPrnAmt>
            <sshPrnamt>100</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>100</None>
        </votingAuthority>
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        <nameOfIssuer>Palo Alto Networks Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>697435105</cusip>
        <value>244</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1199</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>50</Sole>
            <Shared>0</Shared>
            <None>1149</None>
        </votingAuthority>
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        <nameOfIssuer>Paypal Hldgs Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>70450Y103</cusip>
        <value>298</value>
        <shrsOrPrnAmt>
            <sshPrnamt>4440</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>194</Sole>
            <Shared>0</Shared>
            <None>4246</None>
        </votingAuthority>
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        <nameOfIssuer>Pepsico Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>713448108</cusip>
        <value>15</value>
        <shrsOrPrnAmt>
            <sshPrnamt>104</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>12</Sole>
            <Shared>0</Shared>
            <None>92</None>
        </votingAuthority>
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        <nameOfIssuer>Pfizer Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>717081103</cusip>
        <value>1763</value>
        <shrsOrPrnAmt>
            <sshPrnamt>69186</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>338</Sole>
            <Shared>0</Shared>
            <None>68848</None>
        </votingAuthority>
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        <nameOfIssuer>Portillos Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>73642K106</cusip>
        <value>0</value>
        <shrsOrPrnAmt>
            <sshPrnamt>50</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>50</None>
        </votingAuthority>
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        <nameOfIssuer>Procter &amp; Gamble CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>742718109</cusip>
        <value>202</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1314</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>58</Sole>
            <Shared>0</Shared>
            <None>1256</None>
        </votingAuthority>
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        <nameOfIssuer>Public Svc Enterprise Grp Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>744573106</cusip>
        <value>10</value>
        <shrsOrPrnAmt>
            <sshPrnamt>120</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>120</None>
        </votingAuthority>
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        <nameOfIssuer>Qualcomm Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>747525103</cusip>
        <value>24</value>
        <shrsOrPrnAmt>
            <sshPrnamt>145</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>145</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>75513E101</cusip>
        <value>531</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3172</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>93</Sole>
            <Shared>0</Shared>
            <None>3079</None>
        </votingAuthority>
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        <nameOfIssuer>SPDR S&amp;P 500</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78462F103</cusip>
        <value>905</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1358</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>154</Sole>
            <Shared>0</Shared>
            <None>1204</None>
        </votingAuthority>
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        <nameOfIssuer>SPDR Gold Shares</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78463V107</cusip>
        <value>7</value>
        <shrsOrPrnAmt>
            <sshPrnamt>20</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>20</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Spdr Ix Shs Fun/Dow Jones Intl Rl ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78463X863</cusip>
        <value>6</value>
        <shrsOrPrnAmt>
            <sshPrnamt>208</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>208</None>
        </votingAuthority>
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        <nameOfIssuer>SPDR S&amp;P 500 Value ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78464A508</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>36</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>36</None>
        </votingAuthority>
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        <nameOfIssuer>SPDR S&amp;P Regional Banking ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78464A698</cusip>
        <value>11</value>
        <shrsOrPrnAmt>
            <sshPrnamt>176</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>53</Sole>
            <Shared>0</Shared>
            <None>123</None>
        </votingAuthority>
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        <nameOfIssuer>SPDR S&amp;P Dividend</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78464A763</cusip>
        <value>180</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1286</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>1286</None>
        </votingAuthority>
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        <nameOfIssuer>SPDR S&amp;P 500 Large Cap ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78464A854</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>29</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>29</None>
        </votingAuthority>
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        <nameOfIssuer>SPDR S&amp;P Kensho New Economies Composite ETF</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>78468R648</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>8</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>8</None>
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        <nameOfIssuer>Salesforce Com Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>79466L302</cusip>
        <value>306</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1293</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>59</Sole>
            <Shared>0</Shared>
            <None>1234</None>
        </votingAuthority>
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        <nameOfIssuer>Sandstorm Gold Ltd</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>80013R206</cusip>
        <value>6</value>
        <shrsOrPrnAmt>
            <sshPrnamt>478</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>478</None>
        </votingAuthority>
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        <nameOfIssuer>Schlumberger</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>806857108</cusip>
        <value>185</value>
        <shrsOrPrnAmt>
            <sshPrnamt>5396</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>154</Sole>
            <Shared>0</Shared>
            <None>5242</None>
        </votingAuthority>
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        <nameOfIssuer>Charles Schwab Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>808513105</cusip>
        <value>321</value>
        <shrsOrPrnAmt>
            <sshPrnamt>3366</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>141</Sole>
            <Shared>0</Shared>
            <None>3225</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Schwab Strategic Tr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>808524797</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>60</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>60</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Select Sector Spdr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y308</cusip>
        <value>35</value>
        <shrsOrPrnAmt>
            <sshPrnamt>445</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>445</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>SPDR Energy Select Sector SPDR</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y506</cusip>
        <value>136</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1521</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>31</Sole>
            <Shared>0</Shared>
            <None>1490</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Select Sector Spdr</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y860</cusip>
        <value>2</value>
        <shrsOrPrnAmt>
            <sshPrnamt>36</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
        </shrsOrPrnAmt>
        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>36</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>SPDR Utilities Select Sector</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81369Y886</cusip>
        <value>157</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1805</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>65</Sole>
            <Shared>0</Shared>
            <None>1740</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Servicenow Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>81762P102</cusip>
        <value>319</value>
        <shrsOrPrnAmt>
            <sshPrnamt>347</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>14</Sole>
            <Shared>0</Shared>
            <None>333</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Solventum Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>83444M101</cusip>
        <value>5</value>
        <shrsOrPrnAmt>
            <sshPrnamt>62</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>62</None>
        </votingAuthority>
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        <nameOfIssuer>Southwest Airlines CO</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>844741108</cusip>
        <value>1</value>
        <shrsOrPrnAmt>
            <sshPrnamt>30</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>30</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Starbucks Corp</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>855244109</cusip>
        <value>3</value>
        <shrsOrPrnAmt>
            <sshPrnamt>30</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>0</Sole>
            <Shared>0</Shared>
            <None>30</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>TJX Cos Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>872540109</cusip>
        <value>400</value>
        <shrsOrPrnAmt>
            <sshPrnamt>2765</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>160</Sole>
            <Shared>0</Shared>
            <None>2605</None>
        </votingAuthority>
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    <infoTable>
        <nameOfIssuer>Tapestry Inc</nameOfIssuer>
        <titleOfClass>Com</titleOfClass>
        <cusip>876030107</cusip>
        <value>164</value>
        <shrsOrPrnAmt>
            <sshPrnamt>1451</sshPrnamt>
            <sshPrnamtType>SH</sshPrnamtType>
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        <investmentDiscretion>OTR</investmentDiscretion>
        <votingAuthority>
            <Sole>47</Sole>
            <Shared>0</Shared>
            <None>1404</None>
        </votingAuthority>
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    <infoTable>
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