<SEC-DOCUMENT>0000950123-18-007741.txt : 20180809
<SEC-HEADER>0000950123-18-007741.hdr.sgml : 20180809
<ACCEPTANCE-DATETIME>20180809100759
ACCESSION NUMBER:		0000950123-18-007741
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20180630
FILED AS OF DATE:		20180809
DATE AS OF CHANGE:		20180809
EFFECTIVENESS DATE:		20180809

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:		181003806

	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>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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    <submissionType>13F-HR</submissionType>
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      <liveTestFlag>LIVE</liveTestFlag>
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        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>true</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
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      <filer>
        <credentials>
          <cik>0001050743</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>06-30-2018</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>06-30-2018</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>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-06431</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Daniel J. Leary, III</name>
      <title>First VP &amp; Chief Fiduciary Officer</title>
      <phone>(908)719-4331</phone>
      <signature>/s/ Daniel J. Leary, III</signature>
      <city>Bedminster</city>
      <stateOrCountry>NJ</stateOrCountry>
      <signatureDate>08-09-2018</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>600</tableEntryTotal>
      <tableValueTotal>1917279</tableValueTotal>
      <isConfidentialOmitted>false</isConfidentialOmitted>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>XILINX INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>983919101</cusip>
       <value>209</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>COMMON STOCK</titleOfClass>
       <cusip>987184108</cusip>
       <value>249</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7834</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>7834</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>YUM! BRANDS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>988498101</cusip>
       <value>428</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5471</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>5321</Sole>
           <Shared>0</Shared>
           <None>150</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>YUM! BRANDS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>988498101</cusip>
       <value>20</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>COMMON STOCK</titleOfClass>
       <cusip>98956P102</cusip>
       <value>500</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>COMMON STOCK</titleOfClass>
       <cusip>98956P102</cusip>
       <value>92</value>
       <shrsOrPrnAmt>
           <sshPrnamt>826</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>320</Sole>
           <Shared>0</Shared>
           <None>506</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ZOETIS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>98978V103</cusip>
       <value>250</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2935</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1212</Sole>
           <Shared>0</Shared>
           <None>1723</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ZOETIS INC</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>98978V103</cusip>
       <value>9</value>
       <shrsOrPrnAmt>
           <sshPrnamt>100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>100</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>3M CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>88579Y101</cusip>
       <value>13043</value>
       <shrsOrPrnAmt>
           <sshPrnamt>66302</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>65798</Sole>
           <Shared>0</Shared>
           <None>504</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>3M CO</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>88579Y101</cusip>
       <value>885</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4500</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>4500</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ALIBABA GROUP HOLDING LTD SPON</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>01609W102</cusip>
       <value>360</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1939</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1931</Sole>
           <Shared>0</Shared>
           <None>8</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ANHEUSER-BUSCH INBEV SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>03524A108</cusip>
       <value>1073</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10653</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>10257</Sole>
           <Shared>0</Shared>
           <None>396</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BAIDU INC SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>056752108</cusip>
       <value>157</value>
       <shrsOrPrnAmt>
           <sshPrnamt>648</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>175</Sole>
           <Shared>0</Shared>
           <None>473</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BAIDU INC SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>056752108</cusip>
       <value>49</value>
       <shrsOrPrnAmt>
           <sshPrnamt>200</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>200</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>055622104</cusip>
       <value>308</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>COMMON STOCK</titleOfClass>
       <cusip>055622104</cusip>
       <value>200</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4388</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>3588</Sole>
           <Shared>0</Shared>
           <None>800</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DIAGEO PLC SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>25243Q205</cusip>
       <value>308</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2138</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>2121</Sole>
           <Shared>0</Shared>
           <None>17</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>DIAGEO PLC SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>25243Q205</cusip>
       <value>14</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>COMMON STOCK</titleOfClass>
       <cusip>37733W105</cusip>
       <value>480</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11910</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>11910</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>GLAXO SMITHKLINE SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>37733W105</cusip>
       <value>266</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>COMMON STOCK</titleOfClass>
       <cusip>456788108</cusip>
       <value>199</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10263</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>9100</Sole>
           <Shared>0</Shared>
           <None>1163</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>INFOSYS LTD SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>456788108</cusip>
       <value>167</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>COMMON STOCK</titleOfClass>
       <cusip>654902204</cusip>
       <value>0</value>
       <shrsOrPrnAmt>
           <sshPrnamt>17</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>17</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NOKIA CORP SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>654902204</cusip>
       <value>59</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>COMMON STOCK</titleOfClass>
       <cusip>66987V109</cusip>
       <value>683</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9038</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>7822</Sole>
           <Shared>0</Shared>
           <None>1216</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>NOVARTIS AG SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>66987V109</cusip>
       <value>357</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4722</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>4322</Sole>
           <Shared>0</Shared>
           <None>400</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>780259206</cusip>
       <value>545</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7873</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>5184</Sole>
           <Shared>0</Shared>
           <None>2689</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>780259206</cusip>
       <value>88</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>SAP SE SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>803054204</cusip>
       <value>307</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2657</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1111</Sole>
           <Shared>0</Shared>
           <None>1546</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S.A. SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>89151E109</cusip>
       <value>746</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12312</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>12277</Sole>
           <Shared>0</Shared>
           <None>35</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>TOTAL S.A. SPONS ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>89151E109</cusip>
       <value>30</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>COMMON STOCK</titleOfClass>
       <cusip>904784709</cusip>
       <value>106</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1900</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>1600</Sole>
           <Shared>0</Shared>
           <None>300</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>UNILEVER NV NY SHARES ADR</nameOfIssuer>
       <titleOfClass>COMMON STOCK</titleOfClass>
       <cusip>904784709</cusip>
       <value>228</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4100</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>4100</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CROWN CASTLE INTL CORP REIT</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>22822V101</cusip>
       <value>1401</value>
       <shrsOrPrnAmt>
           <sshPrnamt>12994</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>CROWN CASTLE INTL CORP REIT</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>22822V101</cusip>
       <value>151</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1400</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MGM GROWTH PROPERTIES LLC REIT</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>55303A105</cusip>
       <value>1083</value>
       <shrsOrPrnAmt>
           <sshPrnamt>35571</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>MGM GROWTH PROPERTIES LLC REIT</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>55303A105</cusip>
       <value>159</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5220</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIMON PROPERTY GROUP INC REIT</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>828806109</cusip>
       <value>43</value>
       <shrsOrPrnAmt>
           <sshPrnamt>255</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SIMON PROPERTY GROUP INC REIT</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>828806109</cusip>
       <value>160</value>
       <shrsOrPrnAmt>
           <sshPrnamt>941</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>WELLTOWER INC REIT</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>95040Q104</cusip>
       <value>515</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8209</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>962166104</cusip>
       <value>309</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8481</sshPrnamt>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>962166104</cusip>
       <value>74</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2036</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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       <nameOfIssuer>ACCENTURE PLC CL A</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>G1151C101</cusip>
       <value>794</value>
       <shrsOrPrnAmt>
           <sshPrnamt>4853</sshPrnamt>
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           <None>1162</None>
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           <sshPrnamt>1399</sshPrnamt>
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           <None>138</None>
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           <sshPrnamt>422</sshPrnamt>
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           <None>100</None>
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           <sshPrnamt>39884</sshPrnamt>
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           <None>448</None>
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       <cusip>G0408V102</cusip>
       <value>189</value>
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           <sshPrnamt>1380</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <votingAuthority>
           <Sole>1380</Sole>
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           <None>0</None>
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       <value>389</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9605</sshPrnamt>
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           <None>0</None>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>05534B760</cusip>
       <value>69</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1700</sshPrnamt>
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           <Sole>700</Sole>
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       <titleOfClass>OTHER</titleOfClass>
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           <sshPrnamt>8813</sshPrnamt>
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           <Sole>8444</Sole>
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           <None>369</None>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>H1467J104</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>2423</sshPrnamt>
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       <titleOfClass>OTHER</titleOfClass>
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       <shrsOrPrnAmt>
           <sshPrnamt>5750</sshPrnamt>
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           <sshPrnamt>731</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <Sole>0</Sole>
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           <None>731</None>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>29250N105</cusip>
       <value>211</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5906</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       <cusip>29250N105</cusip>
       <value>86</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2414</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
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       <titleOfClass>OTHER</titleOfClass>
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       <value>1222</value>
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           <sshPrnamt>13623</sshPrnamt>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>G47791101</cusip>
       <value>452</value>
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           <sshPrnamt>5039</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <None>0</None>
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       <titleOfClass>OTHER</titleOfClass>
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       <shrsOrPrnAmt>
           <sshPrnamt>29161</sshPrnamt>
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       <nameOfIssuer>INVESCO LIMITED</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>G491BT108</cusip>
       <value>156</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5871</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <Sole>5871</Sole>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <sshPrnamt>10619</sshPrnamt>
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       <cusip>G5960L103</cusip>
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           <sshPrnamt>1034</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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       <shrsOrPrnAmt>
           <sshPrnamt>144028</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <Sole>142230</Sole>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>806857108</cusip>
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           <sshPrnamt>40011</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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       <titleOfClass>OTHER</titleOfClass>
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       <value>568</value>
       <shrsOrPrnAmt>
           <sshPrnamt>13953</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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   <infoTable>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>867224107</cusip>
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           <sshPrnamt>850</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <Sole>850</Sole>
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           <None>0</None>
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       <nameOfIssuer>TE CONNECTIVITY LIMITED</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>H84989104</cusip>
       <value>5195</value>
       <shrsOrPrnAmt>
           <sshPrnamt>57683</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>1114</None>
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   <infoTable>
       <nameOfIssuer>TE CONNECTIVITY LIMITED</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>H84989104</cusip>
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           <sshPrnamt>5639</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <None>0</None>
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       <nameOfIssuer>ALERIAN MLP ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>00162Q866</cusip>
       <value>2363</value>
       <shrsOrPrnAmt>
           <sshPrnamt>234001</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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   <infoTable>
       <nameOfIssuer>ALERIAN MLP ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>00162Q866</cusip>
       <value>96</value>
       <shrsOrPrnAmt>
           <sshPrnamt>9550</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
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       <nameOfIssuer>CONSUMER DISCRETIONARY SELT</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>81369Y407</cusip>
       <value>566</value>
       <shrsOrPrnAmt>
           <sshPrnamt>5181</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>ENERGY SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>6493</value>
       <shrsOrPrnAmt>
           <sshPrnamt>85500</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ENERGY SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>81369Y506</cusip>
       <value>83</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1093</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>832</value>
       <shrsOrPrnAmt>
           <sshPrnamt>31299</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>81369Y605</cusip>
       <value>73</value>
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           <sshPrnamt>2730</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>FIRST TR SMALL CAP CORE ALPHAD</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>33734Y109</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>1</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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   <infoTable>
       <nameOfIssuer>FIRST TR SMALL CAP CORE ALPHAD</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>33734Y109</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>4000</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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   <infoTable>
       <nameOfIssuer>FIRST TRUST LARGE CAP CORE A</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>33734K109</cusip>
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           <sshPrnamt>7301</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
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       </votingAuthority>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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       <cusip>464287499</cusip>
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   <infoTable>
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   <infoTable>
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       <cusip>464287481</cusip>
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   <infoTable>
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   <infoTable>
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   <infoTable>
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           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 1000 ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287622</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>425</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287614</cusip>
       <value>2074</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14423</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 1000 GROWTH ET</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287614</cusip>
       <value>390</value>
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           <sshPrnamt>2710</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287598</cusip>
       <value>1019</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8394</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
       </shrsOrPrnAmt>
       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287598</cusip>
       <value>253</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>
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   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287655</cusip>
       <value>1076</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6571</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 2000 VALUE ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287630</cusip>
       <value>139</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1050</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 2000 VALUE ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287630</cusip>
       <value>126</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>
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   <infoTable>
       <nameOfIssuer>ISHARES RUSSELL 3000 ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287689</cusip>
       <value>227</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>
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   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/VALUE E</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287705</cusip>
       <value>243</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1500</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>ISHARES S&amp;P SMALLCAP 600/VAL E</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287879</cusip>
       <value>907</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>
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   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P SMALLCAP/600 GROWT</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287887</cusip>
       <value>676</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3577</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>ISHARES S&amp;P 500 GROWTH ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287309</cusip>
       <value>8500</value>
       <shrsOrPrnAmt>
           <sshPrnamt>52271</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>ISHARES S&amp;P 500 GROWTH ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287309</cusip>
       <value>1707</value>
       <shrsOrPrnAmt>
           <sshPrnamt>10499</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P 500 VALUE ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287408</cusip>
       <value>10492</value>
       <shrsOrPrnAmt>
           <sshPrnamt>95270</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 S&amp;P 500 VALUE ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287408</cusip>
       <value>2124</value>
       <shrsOrPrnAmt>
           <sshPrnamt>19282</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>KAYNE ANDERSON MLP INVESTMENT</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>486606106</cusip>
       <value>272</value>
       <shrsOrPrnAmt>
           <sshPrnamt>14441</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>SCHWAB US LARGE CAP VALUE</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>808524409</cusip>
       <value>405</value>
       <shrsOrPrnAmt>
           <sshPrnamt>7615</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>SCHWAB US LARGE CAP VALUE</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>808524409</cusip>
       <value>86</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1622</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>SPDR DJIA TRUST</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>78467X109</cusip>
       <value>306</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1260</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <Shared>0</Shared>
           <None>0</None>
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       <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
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       <shrsOrPrnAmt>
           <sshPrnamt>2961</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>78463V107</cusip>
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       <shrsOrPrnAmt>
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           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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       <nameOfIssuer>SPDR S&amp;P DIVIDEND ETF</nameOfIssuer>
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       <cusip>78464A763</cusip>
       <value>7329</value>
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           <sshPrnamt>79061</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P DIVIDEND ETF</nameOfIssuer>
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       <cusip>78464A763</cusip>
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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 MIDCAP 400 ETF TRUST</nameOfIssuer>
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       <cusip>78467Y107</cusip>
       <value>29580</value>
       <shrsOrPrnAmt>
           <sshPrnamt>83319</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
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       <cusip>78467Y107</cusip>
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           <sshPrnamt>6061</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>78462F103</cusip>
       <value>30034</value>
       <shrsOrPrnAmt>
           <sshPrnamt>110712</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>78462F103</cusip>
       <value>4888</value>
       <shrsOrPrnAmt>
           <sshPrnamt>18020</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>TECHNOLOGY SELECT SECT SPDR</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>81369Y803</cusip>
       <value>1837</value>
       <shrsOrPrnAmt>
           <sshPrnamt>26440</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>TECHNOLOGY SELECT SECT SPDR</nameOfIssuer>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
       </votingAuthority>
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   <infoTable>
       <nameOfIssuer>UTILITIES SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>81369Y886</cusip>
       <value>581</value>
       <shrsOrPrnAmt>
           <sshPrnamt>11177</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>UTILITIES SELECT SECTOR SPDR</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>81369Y886</cusip>
       <value>110</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKET</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>921943858</cusip>
       <value>2598</value>
       <shrsOrPrnAmt>
           <sshPrnamt>60563</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 FTSE DEVELOPED MARKET</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>921943858</cusip>
       <value>910</value>
       <shrsOrPrnAmt>
           <sshPrnamt>21207</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>922042858</cusip>
       <value>15647</value>
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           <sshPrnamt>370772</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
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       <cusip>922042858</cusip>
       <value>2431</value>
       <shrsOrPrnAmt>
           <sshPrnamt>57614</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD FTSE EUROPE ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>922042874</cusip>
       <value>31244</value>
       <shrsOrPrnAmt>
           <sshPrnamt>556638</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD FTSE EUROPE ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>922042874</cusip>
       <value>2764</value>
       <shrsOrPrnAmt>
           <sshPrnamt>49240</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>922042866</cusip>
       <value>257</value>
       <shrsOrPrnAmt>
           <sshPrnamt>3679</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>922908736</cusip>
       <value>499</value>
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           <sshPrnamt>3330</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>92204A504</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>119233</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>92204A504</cusip>
       <value>956</value>
       <shrsOrPrnAmt>
           <sshPrnamt>6010</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 HIGH DVD YIELD ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>921946406</cusip>
       <value>2847</value>
       <shrsOrPrnAmt>
           <sshPrnamt>34286</sshPrnamt>
           <sshPrnamtType>SH</sshPrnamtType>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD HIGH DVD YIELD ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>921946406</cusip>
       <value>207</value>
       <shrsOrPrnAmt>
           <sshPrnamt>2487</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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       <cusip>922908629</cusip>
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           <sshPrnamt>146866</sshPrnamt>
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           <None>0</None>
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   <infoTable>
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       <cusip>922908629</cusip>
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           <None>0</None>
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       <cusip>922908637</cusip>
       <value>1949</value>
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           <sshPrnamt>15623</sshPrnamt>
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       <votingAuthority>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD LARGE-CAP ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>922908637</cusip>
       <value>78</value>
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           <sshPrnamt>625</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <Sole>0</Sole>
           <Shared>0</Shared>
           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer>
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       <cusip>922908553</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>5847</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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       <cusip>922908363</cusip>
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           <None>0</None>
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       <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>922908595</cusip>
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           <sshPrnamt>47716</sshPrnamt>
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           <None>0</None>
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       <cusip>922908595</cusip>
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           <sshPrnamt>12599</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <None>0</None>
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       <nameOfIssuer>VANGUARD SMALL CAP VALUE ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
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           <sshPrnamt>47899</sshPrnamt>
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       <nameOfIssuer>VANGUARD SMALL CAP VALUE ETF</nameOfIssuer>
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           <sshPrnamt>14656</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer>
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       <cusip>922908751</cusip>
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           <sshPrnamt>244363</sshPrnamt>
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   <infoTable>
       <nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>922908751</cusip>
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           <sshPrnamt>24400</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
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   <infoTable>
       <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ET</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>922908769</cusip>
       <value>180</value>
       <shrsOrPrnAmt>
           <sshPrnamt>1280</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>0</None>
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   <infoTable>
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       <titleOfClass>OTHER</titleOfClass>
       <cusip>922908769</cusip>
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       <investmentDiscretion>OTR</investmentDiscretion>
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       <nameOfIssuer>WISDOM TREE INTL DIVIDEND EX-F</nameOfIssuer>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>0</None>
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       <investmentDiscretion>OTR</investmentDiscretion>
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           <None>0</None>
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       <nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR CR E</nameOfIssuer>
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   <infoTable>
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       <cusip>464288646</cusip>
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       <investmentDiscretion>OTR</investmentDiscretion>
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   <infoTable>
       <nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR TR E</nameOfIssuer>
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       <cusip>464287457</cusip>
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           <sshPrnamt>2638</sshPrnamt>
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   <infoTable>
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       <cusip>464287457</cusip>
       <value>107</value>
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       <nameOfIssuer>ISHARES CORE U.S. AGGREGATE BO</nameOfIssuer>
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       <cusip>464287226</cusip>
       <value>223</value>
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       <nameOfIssuer>ISHARES CORE U.S. AGGREGATE BO</nameOfIssuer>
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   <infoTable>
       <nameOfIssuer>ISHARES IBOXX INV GRD CORP BON</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464287242</cusip>
       <value>264</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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   <infoTable>
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       <cusip>464287242</cusip>
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           <None>0</None>
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       <nameOfIssuer>ISHARES S&amp;P PREF STK ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464288687</cusip>
       <value>4576</value>
       <shrsOrPrnAmt>
           <sshPrnamt>121349</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>ISHARES S&amp;P PREF STK ETF</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>464288687</cusip>
       <value>371</value>
       <shrsOrPrnAmt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
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       <cusip>72201R783</cusip>
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       <investmentDiscretion>DFND</investmentDiscretion>
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           <None>0</None>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR BLOOMBERG BARCLAYS S/T BD</nameOfIssuer>
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       <cusip>78468R408</cusip>
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       <votingAuthority>
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   </infoTable>
   <infoTable>
       <nameOfIssuer>SPDR BLOOMBERG BARCLAYS S/T BD</nameOfIssuer>
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       <cusip>78468R408</cusip>
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           <sshPrnamt>1300</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
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       <cusip>921937819</cusip>
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       <shrsOrPrnAmt>
           <sshPrnamt>120921</sshPrnamt>
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       <investmentDiscretion>DFND</investmentDiscretion>
       <votingAuthority>
           <Sole>0</Sole>
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           <None>0</None>
       </votingAuthority>
   </infoTable>
   <infoTable>
       <nameOfIssuer>VANGUARD INTERMEDIATE-TERM BON</nameOfIssuer>
       <titleOfClass>OTHER</titleOfClass>
       <cusip>921937819</cusip>
       <value>673</value>
       <shrsOrPrnAmt>
           <sshPrnamt>8317</sshPrnamt>
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       <investmentDiscretion>OTR</investmentDiscretion>
       <votingAuthority>
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           <None>0</None>
       </votingAuthority>
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