<SEC-DOCUMENT>0000950123-18-002467.txt : 20180214
<SEC-HEADER>0000950123-18-002467.hdr.sgml : 20180214
<ACCEPTANCE-DATETIME>20180214173402
ACCESSION NUMBER:		0000950123-18-002467
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20171231
FILED AS OF DATE:		20180214
DATE AS OF CHANGE:		20180214
EFFECTIVENESS DATE:		20180214

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
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-06431
		FILM NUMBER:		18613589

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

	MAIL ADDRESS:	
		STREET 1:		500 HILLS DRIVE
		CITY:			BEDMINSTER
		STATE:			NJ
		ZIP:			07921
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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      <filer>
        <credentials>
          <cik>0001050743</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2017</periodOfReport>
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    <coverPage>
      <reportCalendarOrQuarter>12-31-2017</reportCalendarOrQuarter>
      <filingManager>
        <name>PEAPACK GLADSTONE FINANCIAL CORP</name>
        <address>
          <ns1:street1>500 HILLS DRIVE</ns1:street1>
          <ns1:city>BEDMINSTER</ns1:city>
          <ns1:stateOrCountry>NJ</ns1:stateOrCountry>
          <ns1:zipCode>07921</ns1:zipCode>
        </address>
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      <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>02-14-2018</signatureDate>
    </signatureBlock>
    <summaryPage>
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       <shrsOrPrnAmt>
           <sshPrnamt>52854</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>52827</Sole>
           <Shared>0</Shared>
           <None>27</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WAL MART STORES INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>931142103</cusip>
       <value>177256</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1795</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>1795</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>931427108</cusip>
       <value>78865</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1086</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1086</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>931427108</cusip>
       <value>220039</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3030</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>3030</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>94106L109</cusip>
       <value>15110267</value>
       <shrsOrPrnAmt>
           <sshPrnamt>175090</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>174195</Sole>
           <Shared>0</Shared>
           <None>895</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>94106L109</cusip>
       <value>2255019</value>
       <shrsOrPrnAmt>
           <sshPrnamt>26130</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>26130</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WAYSIDE TECHNOLOGY GROUP INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>946760105</cusip>
       <value>1387186</value>
       <shrsOrPrnAmt>
           <sshPrnamt>83065</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>83065</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>92939U106</cusip>
       <value>41851</value>
       <shrsOrPrnAmt>
           <sshPrnamt>630</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>630</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>92939U106</cusip>
       <value>608897</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9166</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>5832</Sole>
           <Shared>0</Shared>
           <None>3334</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>949746101</cusip>
       <value>4041593</value>
       <shrsOrPrnAmt>
           <sshPrnamt>66616</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>66231</Sole>
           <Shared>0</Shared>
           <None>385</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>949746101</cusip>
       <value>1736375</value>
       <shrsOrPrnAmt>
           <sshPrnamt>28620</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>28620</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>XILINX INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>983919101</cusip>
       <value>22586</value>
       <shrsOrPrnAmt>
           <sshPrnamt>335</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>335</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>XILINX INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>983919101</cusip>
       <value>215744</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3200</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>3200</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>YORK WATER CO</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>987184108</cusip>
       <value>299846</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8845</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>8845</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>YUM! BRANDS INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>988498101</cusip>
       <value>529322</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6486</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>6111</Sole>
           <Shared>0</Shared>
           <None>375</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>YUM! BRANDS INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>988498101</cusip>
       <value>20811</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>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>98956P102</cusip>
       <value>541688</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4489</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>4489</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>98956P102</cusip>
       <value>87606</value>
       <shrsOrPrnAmt>
           <sshPrnamt>726</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>220</Sole>
           <Shared>0</Shared>
           <None>506</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>3M CO</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>88579Y101</cusip>
       <value>16474959</value>
       <shrsOrPrnAmt>
           <sshPrnamt>69996</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>69871</Sole>
           <Shared>0</Shared>
           <None>125</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>3M CO</nameOfIssuer>
       <titleOfClass>DOMESTIC COMMON STOCKS</titleOfClass>
       <cusip>88579Y101</cusip>
       <value>1035628</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4400</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>4400</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALIBABA GROUP HOLDING LTD SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>01609W102</cusip>
       <value>297269</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1724</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1724</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>1231288</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11037</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>10888</Sole>
           <Shared>0</Shared>
           <None>149</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>055622104</cusip>
       <value>283871</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6754</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>6754</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>055622104</cusip>
       <value>142398</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3388</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>2588</Sole>
           <Shared>0</Shared>
           <None>800</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DIAGEO PLC SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>25243Q205</cusip>
       <value>338352</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2317</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>2244</Sole>
           <Shared>0</Shared>
           <None>73</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DIAGEO PLC SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>25243Q205</cusip>
       <value>14603</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>100</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GLAXO SMITHKLINE SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>37733W105</cusip>
       <value>429542</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12110</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>12110</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GLAXO SMITHKLINE SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>37733W105</cusip>
       <value>234102</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6600</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>6600</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INFOSYS LTD SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>456788108</cusip>
       <value>148137</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9133</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>9100</Sole>
           <Shared>0</Shared>
           <None>33</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INFOSYS LTD SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>456788108</cusip>
       <value>139816</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8620</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>8620</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NOKIA CORP SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>654902204</cusip>
       <value>396</value>
       <shrsOrPrnAmt>
           <sshPrnamt>85</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>85</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NOKIA CORP SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>654902204</cusip>
       <value>47998</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>909287</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10830</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>10205</Sole>
           <Shared>0</Shared>
           <None>625</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NOVARTIS AG SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>66987V109</cusip>
       <value>380675</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4534</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>4134</Sole>
           <Shared>0</Shared>
           <None>400</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>780259206</cusip>
       <value>427411</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6407</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>5512</Sole>
           <Shared>0</Shared>
           <None>895</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>780259206</cusip>
       <value>84455</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1266</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>1266</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>604542</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10936</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>10783</Sole>
           <Shared>0</Shared>
           <None>153</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S.A. SPONS ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>89151E109</cusip>
       <value>27640</value>
       <shrsOrPrnAmt>
           <sshPrnamt>500</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>500</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UNILEVER NV NY SHARES ADR</nameOfIssuer>
       <titleOfClass>ADR SECURITIES</titleOfClass>
       <cusip>904784709</cusip>
       <value>114611</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2035</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1600</Sole>
           <Shared>0</Shared>
           <None>435</None>
       </votingAuthority>
   </infoTable>
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   <infoTable>
       <nameOfIssuer>ENERGY SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>7389019</value>
       <shrsOrPrnAmt>
           <sshPrnamt>102256</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ENERGY SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>78980</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1093</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>1093039</value>
       <shrsOrPrnAmt>
           <sshPrnamt>39163</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>76194</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2730</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FIRST TR SMALL CAP CORE ALPHADEX-A</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>33734Y109</cusip>
       <value>61</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FIRST TR SMALL CAP CORE ALPHADEX-A</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>33734Y109</cusip>
       <value>244680</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>FIRST TRUST LARGE CAP CORE A</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>33734K109</cusip>
       <value>427401</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7301</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GABELLI EQUITY TR INC</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>362397101</cusip>
       <value>189191</value>
       <shrsOrPrnAmt>
           <sshPrnamt>30564</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GUGGENHEIM S&amp;P 500 EQUAL WEIGHT ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>78355W106</cusip>
       <value>6783861</value>
       <shrsOrPrnAmt>
           <sshPrnamt>67147</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GUGGENHEIM S&amp;P 500 EQUAL WEIGHT ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>78355W106</cusip>
       <value>844611</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8360</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>1308576</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15827</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y209</cusip>
       <value>361725</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4375</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y704</cusip>
       <value>798016</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10546</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y704</cusip>
       <value>9459</value>
       <shrsOrPrnAmt>
           <sshPrnamt>125</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES COHEN &amp; STEERS RLTY ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287564</cusip>
       <value>226450</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2235</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287507</cusip>
       <value>1219147</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6424</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287507</cusip>
       <value>62627</value>
       <shrsOrPrnAmt>
           <sshPrnamt>330</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287804</cusip>
       <value>2655168</value>
       <shrsOrPrnAmt>
           <sshPrnamt>34568</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287804</cusip>
       <value>38098</value>
       <shrsOrPrnAmt>
           <sshPrnamt>496</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287200</cusip>
       <value>1561212</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5807</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287200</cusip>
       <value>28229</value>
       <shrsOrPrnAmt>
           <sshPrnamt>105</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES DJ SELECT DIVIDEND ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287168</cusip>
       <value>1856772</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18839</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES DJ SELECT DIVIDEND ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287168</cusip>
       <value>214368</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2175</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES DJ U.S. REAL ESTATE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287739</cusip>
       <value>443125</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5470</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI CANADA ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464286509</cusip>
       <value>291806</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9845</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI CANADA ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464286509</cusip>
       <value>142865</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4820</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287465</cusip>
       <value>6986634</value>
       <shrsOrPrnAmt>
           <sshPrnamt>99369</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287465</cusip>
       <value>510943</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7267</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EAFE SMALL CAP ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464288273</cusip>
       <value>272835</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4230</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EAFE SMALL CAP ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464288273</cusip>
       <value>188340</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2920</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EMERGING MKT ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287234</cusip>
       <value>4091759</value>
       <shrsOrPrnAmt>
           <sshPrnamt>86837</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES MSCI EMERGING MKT ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287234</cusip>
       <value>231359</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4910</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</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>183261</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>156069</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>46435G334</cusip>
       <value>200592</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5600</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>46435G334</cusip>
       <value>35820</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1000</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>5858897</value>
       <shrsOrPrnAmt>
           <sshPrnamt>54874</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>1732877</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16230</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>1835290</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8818</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287499</cusip>
       <value>654569</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3145</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>2660956</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22057</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL MIDCAP GRWTH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287481</cusip>
       <value>1845913</value>
       <shrsOrPrnAmt>
           <sshPrnamt>15301</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>2558694</value>
       <shrsOrPrnAmt>
           <sshPrnamt>28701</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>1731739</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19425</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 1000 ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287622</cusip>
       <value>887350</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5971</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 1000 ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287622</cusip>
       <value>63159</value>
       <shrsOrPrnAmt>
           <sshPrnamt>425</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>1780200</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13218</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>355555</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2640</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>986265</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7932</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</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>259622</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2088</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</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>551600</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3618</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 2000 VALUE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287630</cusip>
       <value>132038</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1050</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 2000 VALUE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287630</cusip>
       <value>119840</value>
       <shrsOrPrnAmt>
           <sshPrnamt>953</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 3000 ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287689</cusip>
       <value>221438</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1400</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/GRWTH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287606</cusip>
       <value>264823</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1227</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/VALUE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>464287705</cusip>
       <value>288198</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1800</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>853388</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5557</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>608627</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3577</sshPrnamt>
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       <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>9174908</value>
       <shrsOrPrnAmt>
           <sshPrnamt>60057</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>1677262</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10979</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>10520247</value>
       <shrsOrPrnAmt>
           <sshPrnamt>92089</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>
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       <shrsOrPrnAmt>
           <sshPrnamt>18949</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>47442004</value>
       <shrsOrPrnAmt>
           <sshPrnamt>304584</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>2647141</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16995</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB US LARGE CAP VALUE</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>808524409</cusip>
       <value>383073</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7007</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SCHWAB US LARGE CAP VALUE</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>808524409</cusip>
       <value>74297</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1359</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR DJIA TRUST</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>78467X109</cusip>
       <value>232537</value>
       <shrsOrPrnAmt>
           <sshPrnamt>940</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</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>254595</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2059</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</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>24730</value>
       <shrsOrPrnAmt>
           <sshPrnamt>200</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 DIVIDEND ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>78464A763</cusip>
       <value>7690766</value>
       <shrsOrPrnAmt>
           <sshPrnamt>81401</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>2168788</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22955</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>29477980</value>
       <shrsOrPrnAmt>
           <sshPrnamt>85342</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>2147069</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6216</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>28732282</value>
       <shrsOrPrnAmt>
           <sshPrnamt>107668</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>5117041</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19175</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>TECHNOLOGY SELECT SECT SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>1726714</value>
       <shrsOrPrnAmt>
           <sshPrnamt>27001</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>1078837</value>
       <shrsOrPrnAmt>
           <sshPrnamt>16870</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>UTILITIES SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y886</cusip>
       <value>783194</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14867</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UTILITIES SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>81369Y886</cusip>
       <value>111155</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2110</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD FTSE ALL-WORLD EX-US</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922042775</cusip>
       <value>318525</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5821</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>2780468</value>
       <shrsOrPrnAmt>
           <sshPrnamt>61981</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>931159</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20757</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <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>14179533</value>
       <shrsOrPrnAmt>
           <sshPrnamt>308855</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <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>2540797</value>
       <shrsOrPrnAmt>
           <sshPrnamt>55343</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>27698407</value>
       <shrsOrPrnAmt>
           <sshPrnamt>468274</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <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>2529017</value>
       <shrsOrPrnAmt>
           <sshPrnamt>42756</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 PACIFIC ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922042866</cusip>
       <value>268199</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3679</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908736</cusip>
       <value>468365</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3330</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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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>92204A504</cusip>
       <value>17193084</value>
       <shrsOrPrnAmt>
           <sshPrnamt>111542</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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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 HEALTH CARE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>92204A504</cusip>
       <value>976477</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6335</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 HIGH DVD YIELD ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>921946406</cusip>
       <value>2167381</value>
       <shrsOrPrnAmt>
           <sshPrnamt>25311</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD HIGH DVD YIELD ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>921946406</cusip>
       <value>209965</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2452</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 IND FD MID-CAP</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908629</cusip>
       <value>21215230</value>
       <shrsOrPrnAmt>
           <sshPrnamt>137067</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 IND FD MID-CAP</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908629</cusip>
       <value>1854419</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11981</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 LARGE-CAP ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908637</cusip>
       <value>1791262</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14613</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD LARGE-CAP ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908637</cusip>
       <value>76613</value>
       <shrsOrPrnAmt>
           <sshPrnamt>625</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 REIT ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908553</cusip>
       <value>605256</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7294</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
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       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908363</cusip>
       <value>40186106</value>
       <shrsOrPrnAmt>
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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>922908363</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>15224</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 GROWTH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908595</cusip>
       <value>6408907</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908595</cusip>
       <value>2004191</value>
       <shrsOrPrnAmt>
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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>6375033</value>
       <shrsOrPrnAmt>
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       <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>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908751</cusip>
       <value>32567287</value>
       <shrsOrPrnAmt>
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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>OTR</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908769</cusip>
       <value>230580</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1680</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>922908744</cusip>
       <value>386473</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3635</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>WISDOM TREE INTL DIVIDEND EX-FIN FD</nameOfIssuer>
       <titleOfClass>CLOSED END EQUITY MUTUAL FUND</titleOfClass>
       <cusip>97717W786</cusip>
       <value>893823</value>
       <shrsOrPrnAmt>
           <sshPrnamt>20595</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>ISHARES BARCLAYS TIPS BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>464287176</cusip>
       <value>593672</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5204</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>ISHARES BARCLAYS TIPS BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>464287176</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>715</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR CR ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>464288646</cusip>
       <value>1228554</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11752</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR CR ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>464288646</cusip>
       <value>81541</value>
       <shrsOrPrnAmt>
           <sshPrnamt>780</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR TR ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
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           <Shared>0</Shared>
           <None>0</None>
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       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>464287226</cusip>
       <value>461919</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4225</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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       <cusip>464287226</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>443</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>464287242</cusip>
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       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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       <cusip>464287242</cusip>
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       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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       <cusip>464288687</cusip>
       <value>3468786</value>
       <shrsOrPrnAmt>
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       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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       <cusip>464288687</cusip>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>72201R783</cusip>
       <value>1975336</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>78468R408</cusip>
       <value>744230</value>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <cusip>78468R408</cusip>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <nameOfIssuer>VANGUARD INTER TERM CORP BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>92206C870</cusip>
       <value>224942</value>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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       <nameOfIssuer>VANGUARD INTERMEDIATE-TERM BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937819</cusip>
       <value>8595258</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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       <nameOfIssuer>VANGUARD INTERMEDIATE-TERM BOND ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937819</cusip>
       <value>678604</value>
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       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937827</cusip>
       <value>19534457</value>
       <shrsOrPrnAmt>
           <sshPrnamt>246959</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937827</cusip>
       <value>2456767</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31059</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937835</cusip>
       <value>1867790</value>
       <shrsOrPrnAmt>
           <sshPrnamt>22898</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer>
       <titleOfClass>CLOSED-END FIXED INCOME (TAX)</titleOfClass>
       <cusip>921937835</cusip>
       <value>20393</value>
       <shrsOrPrnAmt>
           <sshPrnamt>250</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <titleOfClass>CLOSED END FIXED INC-NON-TAX</titleOfClass>
       <cusip>09254X101</cusip>
       <value>415173</value>
       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <titleOfClass>CLOSED END FIXED INC-NON-TAX</titleOfClass>
       <cusip>09254Y109</cusip>
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           <sshPrnamtType>SH</sshPrnamtType>
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           <Shared>0</Shared>
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       <cusip>67069Y102</cusip>
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       <cusip>67069Y102</cusip>
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</SEC-DOCUMENT>
