<SEC-DOCUMENT>0000950123-14-011628.txt : 20141113
<SEC-HEADER>0000950123-14-011628.hdr.sgml : 20141113
<ACCEPTANCE-DATETIME>20141113081326
ACCESSION NUMBER:		0000950123-14-011628
CONFORMED SUBMISSION TYPE:	13F-HR/A
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20140930
FILED AS OF DATE:		20141113
DATE AS OF CHANGE:		20141113
EFFECTIVENESS DATE:		20141113

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			PEAPACK GLADSTONE FINANCIAL CORP
		CENTRAL INDEX KEY:			0001050743
		STANDARD INDUSTRIAL CLASSIFICATION:	COMMERCIAL BANKS, NEC [6029]
		IRS NUMBER:				223537895
		STATE OF INCORPORATION:			NJ
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR/A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-06431
		FILM NUMBER:		141216357

	BUSINESS ADDRESS:	
		STREET 1:		500 HILLS DRIVE
		STREET 2:		PO BOX 700
		CITY:			BEDMINSTER
		STATE:			NJ
		ZIP:			07921
		BUSINESS PHONE:		9082340700

	MAIL ADDRESS:	
		STREET 1:		500 HILLS DRIVE
		STREET 2:		PO BOX 700
		CITY:			BEDMINSTER
		STATE:			NJ
		ZIP:			07921
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR/A
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>true</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
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      <filer>
        <credentials>
          <cik>0001050743</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>09-30-2014</periodOfReport>
    </filerInfo>
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    <coverPage>
      <reportCalendarOrQuarter>09-30-2014</reportCalendarOrQuarter>
      <isAmendment>true</isAmendment>
      <amendmentNo>1</amendmentNo>
      <amendmentInfo>
        <amendmentType>RESTATEMENT</amendmentType>
      </amendmentInfo>
      <filingManager>
        <name>PEAPACK GLADSTONE FINANCIAL CORP</name>
        <address>
          <ns1:street1>500 HILLS DRIVE</ns1:street1>
          <ns1:street2>PO BOX 700</ns1:street2>
          <ns1:city>BEDMINSTER</ns1:city>
          <ns1:stateOrCountry>NJ</ns1:stateOrCountry>
          <ns1:zipCode>07921</ns1:zipCode>
        </address>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-06431</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Daniel J. Leary, III</name>
      <title>First VP &amp; Chief Fiduciary Officer</title>
      <phone>(908)719-4331</phone>
      <signature>/s/ Daniel J. Leary, III</signature>
      <city>Bedminster</city>
      <stateOrCountry>NJ</stateOrCountry>
      <signatureDate>11-13-2014</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>540</tableEntryTotal>
      <tableValueTotal>1336921</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1800</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WISCONSIN ENERGY CORP</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>976657106</cusip>
       <value>350364</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8148</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>7348</Sole>
           <Shared>0</Shared>
           <None>800</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>XEROX CORP</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>984121103</cusip>
       <value>48951</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3700</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>3700</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>XEROX CORP</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>984121103</cusip>
       <value>83349</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>6300</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>YUM! BRANDS INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>988498101</cusip>
       <value>595419</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8272</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>8272</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>YUM! BRANDS INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>988498101</cusip>
       <value>18355</value>
       <shrsOrPrnAmt>
           <sshPrnamt>255</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>255</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>3M CO</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>88579Y101</cusip>
       <value>10457259</value>
       <shrsOrPrnAmt>
           <sshPrnamt>73809</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>73809</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>3M CO</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>88579Y101</cusip>
       <value>1322158</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9332</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>9332</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ANHEUSER-BUSCH INBEV SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>03524A108</cusip>
       <value>1269676</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11454</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>10629</Sole>
           <Shared>0</Shared>
           <None>825</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BHP BILLITON LTD SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>088606108</cusip>
       <value>176051</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2990</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>2815</Sole>
           <Shared>0</Shared>
           <None>175</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BHP BILLITON LTD SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>088606108</cusip>
       <value>48517</value>
       <shrsOrPrnAmt>
           <sshPrnamt>824</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>824</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>055622104</cusip>
       <value>320659</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7296</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>6696</Sole>
           <Shared>0</Shared>
           <None>600</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>055622104</cusip>
       <value>155803</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3545</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>2745</Sole>
           <Shared>0</Shared>
           <None>800</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GLAXO SMITHKLINE SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>37733W105</cusip>
       <value>220702</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4801</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>4176</Sole>
           <Shared>0</Shared>
           <None>625</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GLAXO SMITHKLINE SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>37733W105</cusip>
       <value>343488</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7472</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>7472</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NOKIA CORP SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>654902204</cusip>
       <value>9560</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1130</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1130</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NOKIA CORP SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>654902204</cusip>
       <value>87138</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>10300</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NOVARTIS AG SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>66987V109</cusip>
       <value>1883353</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20008</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>14974</Sole>
           <Shared>4384</Shared>
           <None>650</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NOVARTIS AG SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>66987V109</cusip>
       <value>504254</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5357</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>5032</Sole>
           <Shared>0</Shared>
           <None>325</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL PLC SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>780259107</cusip>
       <value>439116</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5550</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>5550</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>780259206</cusip>
       <value>622363</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8175</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>8175</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>780259206</cusip>
       <value>319898</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4202</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>4202</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TEVA PHARMACEUTICAL INDS SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>881624209</cusip>
       <value>174419</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3245</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>3245</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TEVA PHARMACEUTICAL INDS SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>881624209</cusip>
       <value>126850</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2360</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>2360</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S.A. SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>89151E109</cusip>
       <value>1811045</value>
       <shrsOrPrnAmt>
           <sshPrnamt>28100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>27875</Sole>
           <Shared>0</Shared>
           <None>225</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S.A. SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>89151E109</cusip>
       <value>62517</value>
       <shrsOrPrnAmt>
           <sshPrnamt>970</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>850</Sole>
           <Shared>120</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIMON PROPERTY GROUP INC REIT</nameOfIssuer>
       <titleOfClass>REAL ESTATE INVESTMENT TRUSTS</titleOfClass>
       <cusip>828806109</cusip>
       <value>49326</value>
       <shrsOrPrnAmt>
           <sshPrnamt>300</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIMON PROPERTY GROUP INC REIT</nameOfIssuer>
       <titleOfClass>REAL ESTATE INVESTMENT TRUSTS</titleOfClass>
       <cusip>828806109</cusip>
       <value>321112</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1953</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ACTAVIS PLC</nameOfIssuer>
       <titleOfClass>FOREIGN SECURITIES</titleOfClass>
       <cusip>G0083B108</cusip>
       <value>704296</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2919</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>2854</Sole>
           <Shared>0</Shared>
           <None>65</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ACTAVIS PLC</nameOfIssuer>
       <titleOfClass>FOREIGN SECURITIES</titleOfClass>
       <cusip>G0083B108</cusip>
       <value>137530</value>
       <shrsOrPrnAmt>
           <sshPrnamt>570</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>470</Sole>
           <Shared>0</Shared>
           <None>100</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
       <titleOfClass>FOREIGN SECURITIES</titleOfClass>
       <cusip>G0408V102</cusip>
       <value>6630044</value>
       <shrsOrPrnAmt>
           <sshPrnamt>75625</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>75625</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>AON PLC</nameOfIssuer>
       <titleOfClass>FOREIGN SECURITIES</titleOfClass>
       <cusip>G0408V102</cusip>
       <value>377858</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4310</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>4310</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BCE INC</nameOfIssuer>
       <titleOfClass>FOREIGN SECURITIES</titleOfClass>
       <cusip>05534B760</cusip>
       <value>1454652</value>
       <shrsOrPrnAmt>
           <sshPrnamt>34019</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>33339</Sole>
           <Shared>500</Shared>
           <None>180</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BCE INC</nameOfIssuer>
       <titleOfClass>FOREIGN SECURITIES</titleOfClass>
       <cusip>05534B760</cusip>
       <value>178309</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4170</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>3050</Sole>
           <Shared>900</Shared>
           <None>220</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CANADIAN NATURAL RESOURCES</nameOfIssuer>
       <titleOfClass>FOREIGN SECURITIES</titleOfClass>
       <cusip>136385101</cusip>
       <value>27188</value>
       <shrsOrPrnAmt>
           <sshPrnamt>700</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>700</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CANADIAN NATURAL RESOURCES</nameOfIssuer>
       <titleOfClass>FOREIGN SECURITIES</titleOfClass>
       <cusip>136385101</cusip>
       <value>194200</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>5000</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>COVIDIEN PLC</nameOfIssuer>
       <titleOfClass>FOREIGN SECURITIES</titleOfClass>
       <cusip>G2554F113</cusip>
       <value>634983</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7340</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>6940</Sole>
           <Shared>0</Shared>
           <None>400</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>COVIDIEN PLC</nameOfIssuer>
       <titleOfClass>FOREIGN SECURITIES</titleOfClass>
       <cusip>G2554F113</cusip>
       <value>314896</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3640</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>3640</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
       <titleOfClass>FOREIGN SECURITIES</titleOfClass>
       <cusip>G29183103</cusip>
       <value>249741</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3941</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>3941</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INGERSOLL-RAND PLC</nameOfIssuer>
       <titleOfClass>FOREIGN SECURITIES</titleOfClass>
       <cusip>G47791101</cusip>
       <value>173025</value>
       <shrsOrPrnAmt>
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           <None>0</None>
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       <shrsOrPrnAmt>
           <sshPrnamt>117027</sshPrnamt>
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           <None>0</None>
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       <cusip>806857108</cusip>
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       <votingAuthority>
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       <cusip>806857108</cusip>
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           <sshPrnamt>47010</sshPrnamt>
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       <votingAuthority>
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       <nameOfIssuer>TE CONNECTIVITY LIMITED</nameOfIssuer>
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       <shrsOrPrnAmt>
           <sshPrnamt>7100</sshPrnamt>
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       <shrsOrPrnAmt>
           <sshPrnamt>56020</sshPrnamt>
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       <votingAuthority>
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           <sshPrnamt>11875</sshPrnamt>
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       <votingAuthority>
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       <cusip>00162Q866</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>211702</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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       <cusip>00162Q866</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>43615</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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       <nameOfIssuer>EATON VANCE T/A GL DVD INCM</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>27828S101</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>11800</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>201579</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8700</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y605</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>3330</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
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       <nameOfIssuer>FIRST TR SMALL CAP CORE ALPHADEX-A</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>33734Y109</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>9000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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       <nameOfIssuer>FIRST TRUST LARGE CAP CORE A</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>33734K109</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>8000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>0</None>
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       <nameOfIssuer>GUGGENHEIM S&amp;P 500 EQUAL WEIGHT ETF</nameOfIssuer>
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       <cusip>78355W106</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>60838</sshPrnamt>
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       <cusip>78355W106</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>5390</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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       <cusip>81369Y209</cusip>
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       <shrsOrPrnAmt>
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   <infoTable>
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       <cusip>81369Y209</cusip>
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       <cusip>464287507</cusip>
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       <cusip>464287507</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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   <infoTable>
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       <cusip>464287804</cusip>
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       <shrsOrPrnAmt>
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   <infoTable>
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       <cusip>464287804</cusip>
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           <sshPrnamt>248</sshPrnamt>
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       <cusip>464287200</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>2072</sshPrnamt>
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   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
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       <cusip>464287200</cusip>
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       <shrsOrPrnAmt>
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       <nameOfIssuer>ISHARES DJ SELECT DIVIDEND ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287168</cusip>
       <value>1054721</value>
       <shrsOrPrnAmt>
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   <infoTable>
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       <cusip>464287168</cusip>
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       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464286509</cusip>
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   <infoTable>
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       <cusip>464286509</cusip>
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       <shrsOrPrnAmt>
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       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287465</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>42864</sshPrnamt>
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   <infoTable>
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       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287465</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>8196</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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       </votingAuthority>
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   <infoTable>
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       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464288273</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>2825</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
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       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464288273</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>2170</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ISHARES MSCI EMERGING MKT ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287234</cusip>
       <value>2941741</value>
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           <sshPrnamt>70783</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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   <infoTable>
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       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287234</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>12087</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ISHARES MSCI FRANCE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464286707</cusip>
       <value>155849</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5870</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI FRANCE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464286707</cusip>
       <value>132723</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4999</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI UNITED KINGDOM ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>46434V548</cusip>
       <value>242250</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12500</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI UNITED KINGDOM ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>46434V548</cusip>
       <value>38760</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES NASDAQ BIOTECH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287556</cusip>
       <value>9174814</value>
       <shrsOrPrnAmt>
           <sshPrnamt>33530</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES NASDAQ BIOTECH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287556</cusip>
       <value>1979713</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7235</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287499</cusip>
       <value>1925256</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12159</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287499</cusip>
       <value>504313</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3185</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP GRWTH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287481</cusip>
       <value>2316802</value>
       <shrsOrPrnAmt>
           <sshPrnamt>26223</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP GRWTH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287481</cusip>
       <value>1314648</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14880</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP VALUE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287473</cusip>
       <value>2462740</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35182</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP VALUE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287473</cusip>
       <value>1315650</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18795</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287614</cusip>
       <value>543458</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5931</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287614</cusip>
       <value>6414</value>
       <shrsOrPrnAmt>
           <sshPrnamt>70</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287598</cusip>
       <value>261735</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2615</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287655</cusip>
       <value>237836</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2175</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES  S&amp;P SMALLCAP 600/VAL ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287879</cusip>
       <value>542566</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5057</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES  S&amp;P SMALLCAP/600 GROWTH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287887</cusip>
       <value>453054</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4025</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES  S&amp;P 500 GROWTH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287309</cusip>
       <value>8490374</value>
       <shrsOrPrnAmt>
           <sshPrnamt>79483</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES  S&amp;P 500 GROWTH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287309</cusip>
       <value>1390262</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13015</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES  S&amp;P 500 VALUE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287408</cusip>
       <value>6930256</value>
       <shrsOrPrnAmt>
           <sshPrnamt>76943</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES  S&amp;P 500 VALUE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287408</cusip>
       <value>1338891</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14865</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>POWERSHARES QQQ TRUST</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>73935A104</cusip>
       <value>24094091</value>
       <shrsOrPrnAmt>
           <sshPrnamt>243892</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>POWERSHARES QQQ TRUST</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>73935A104</cusip>
       <value>1331788</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13481</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>78463V107</cusip>
       <value>221961</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1910</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR  S&amp;P DIVIDEND ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>78464A763</cusip>
       <value>9856633</value>
       <shrsOrPrnAmt>
           <sshPrnamt>131527</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR  S&amp;P DIVIDEND ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>78464A763</cusip>
       <value>2726692</value>
       <shrsOrPrnAmt>
           <sshPrnamt>36385</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR  S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>78467Y107</cusip>
       <value>20294897</value>
       <shrsOrPrnAmt>
           <sshPrnamt>81401</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR  S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>78467Y107</cusip>
       <value>2230417</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8946</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR  S&amp;P 500 ETF TRUST</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>78462F103</cusip>
       <value>18733450</value>
       <shrsOrPrnAmt>
           <sshPrnamt>95084</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR  S&amp;P 500 ETF TRUST</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>78462F103</cusip>
       <value>2525205</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12817</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TECHNOLOGY SELECT SECT SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>868224</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21760</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TECHNOLOGY SELECT SECT SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>121895</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3055</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UTILITIES SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y886</cusip>
       <value>1053934</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25040</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UTILITIES SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y886</cusip>
       <value>101437</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2410</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKETS ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>921943858</cusip>
       <value>594382</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14953</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKETS ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>921943858</cusip>
       <value>774131</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19475</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922042858</cusip>
       <value>11523263</value>
       <shrsOrPrnAmt>
           <sshPrnamt>276271</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922042858</cusip>
       <value>2848167</value>
       <shrsOrPrnAmt>
           <sshPrnamt>68285</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD FTSE EUROPE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922042874</cusip>
       <value>13332372</value>
       <shrsOrPrnAmt>
           <sshPrnamt>241441</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD FTSE EUROPE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922042874</cusip>
       <value>1736393</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31445</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>92204A504</cusip>
       <value>6604553</value>
       <shrsOrPrnAmt>
           <sshPrnamt>56454</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>92204A504</cusip>
       <value>88912</value>
       <shrsOrPrnAmt>
           <sshPrnamt>760</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD IND FD MID-CAP</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908629</cusip>
       <value>8390480</value>
       <shrsOrPrnAmt>
           <sshPrnamt>71524</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
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       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908629</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>9135</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INDUSTRIALS ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>92204A603</cusip>
       <value>268763</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2650</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
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       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>92204A702</cusip>
       <value>300240</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD INFO TECH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>92204A702</cusip>
       <value>10008</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908637</cusip>
       <value>881985</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9750</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908363</cusip>
       <value>988369</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5473</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
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       <cusip>922908363</cusip>
       <value>379239</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908595</cusip>
       <value>5258934</value>
       <shrsOrPrnAmt>
           <sshPrnamt>43697</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908595</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>14666</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD SMALL CAP VALUE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908611</cusip>
       <value>4640104</value>
       <shrsOrPrnAmt>
           <sshPrnamt>46522</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD SMALL CAP VALUE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908611</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>16995</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908751</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
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       <cusip>922908751</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908769</cusip>
       <value>346747</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3425</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>WISDOM TREE INTL DIVIDEND EX-FIN FD</nameOfIssuer>
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       <cusip>97717W786</cusip>
       <value>2159820</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>WISDOM TREE INTL DIVIDEND EX-FIN FD</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>97717W786</cusip>
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       <shrsOrPrnAmt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ISHARES BARCLAYS  1-3  YEAR CR ETF</nameOfIssuer>
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       <cusip>464288646</cusip>
       <value>751173</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ISHARES BARCLAYS  1-3  YEAR CR ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>464288646</cusip>
       <value>108438</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ISHARES BARCLAYS  1-3  YEAR TR ETF</nameOfIssuer>
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       <cusip>464287457</cusip>
       <value>436917</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ISHARES BARCLAYS  1-3  YEAR TR ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>464287457</cusip>
       <value>199866</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ISHARES IBOXX INV GRD CORP BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>464287242</cusip>
       <value>307372</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ISHARES IBOXX INV GRD CORP BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>464287242</cusip>
       <value>159124</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P PREF STK ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>464288687</cusip>
       <value>1281238</value>
       <shrsOrPrnAmt>
           <sshPrnamt>32420</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P PREF STK ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>464288687</cusip>
       <value>264784</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6700</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR BARCLAYS S/T HIGH YIELD BD ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>78468R408</cusip>
       <value>2803573</value>
       <shrsOrPrnAmt>
           <sshPrnamt>93671</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR BARCLAYS S/T HIGH YIELD BD ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>78468R408</cusip>
       <value>269370</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9000</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTERMEDIATE-TERM BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937819</cusip>
       <value>5165981</value>
       <shrsOrPrnAmt>
           <sshPrnamt>61310</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTERMEDIATE-TERM BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937819</cusip>
       <value>949863</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11273</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SHORT TERM BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937827</cusip>
       <value>18412577</value>
       <shrsOrPrnAmt>
           <sshPrnamt>229956</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD SHORT TERM BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937827</cusip>
       <value>3422832</value>
       <shrsOrPrnAmt>
           <sshPrnamt>42748</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937835</cusip>
       <value>401293</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4898</sshPrnamt>
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