<SEC-DOCUMENT>0001050743-20-000005.txt : 20200515
<SEC-HEADER>0001050743-20-000005.hdr.sgml : 20200515
<ACCEPTANCE-DATETIME>20200515165338
ACCESSION NUMBER:		0001050743-20-000005
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20200331
FILED AS OF DATE:		20200515
DATE AS OF CHANGE:		20200515
EFFECTIVENESS DATE:		20200515

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:		20886386

	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
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      <liveTestFlag>LIVE</liveTestFlag>
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        <returnCopyFlag>false</returnCopyFlag>
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      <filer>
        <credentials>
          <cik>0001050743</cik>
          <ccc>XXXXXXXX</ccc>
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      </filer>
      <periodOfReport>03-31-2020</periodOfReport>
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  <formData>
    <coverPage>
      <reportCalendarOrQuarter>03-31-2020</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <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>Senior Managing Director</title>
      <phone>908-719-4331</phone>
      <signature>Damiel J Leary III</signature>
      <city>Bedminster</city>
      <stateOrCountry>NJ</stateOrCountry>
      <signatureDate>05-15-2020</signatureDate>
    </signatureBlock>
    <summaryPage>
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      <tableValueTotal>2119232</tableValueTotal>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>029912201</cusip>
    <value>2642</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12135</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11060</Sole>
      <Shared>0</Shared>
      <None>1075</None>
    </votingAuthority>
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    <nameOfIssuer>AMERICAN WATER WORKS CO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>030420103</cusip>
    <value>581</value>
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      <sshPrnamt>4862</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4773</Sole>
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      <None>89</None>
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    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>031162100</cusip>
    <value>11967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59029</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57127</Sole>
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      <None>1902</None>
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    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>031162100</cusip>
    <value>786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3875</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3575</Sole>
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      <None>300</None>
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    <nameOfIssuer>Amneal Pharmaceuticals Inc Com Stk Cl A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>03168L105</cusip>
    <value>87</value>
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      <sshPrnamt>25002</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25002</Sole>
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      <None>0</None>
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    <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>032654105</cusip>
    <value>676</value>
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      <sshPrnamt>7538</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6813</Sole>
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      <None>725</None>
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    <nameOfIssuer>ANTHEM INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>036752103</cusip>
    <value>512</value>
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      <sshPrnamt>2256</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1931</Sole>
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      <None>325</None>
    </votingAuthority>
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    <nameOfIssuer>AON PLC</nameOfIssuer>
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    <cusip>G0408V102</cusip>
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      <sshPrnamt>37720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36964</Sole>
      <Shared>0</Shared>
      <None>756</None>
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    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>037833100</cusip>
    <value>76860</value>
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      <sshPrnamt>302253</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>298004</Sole>
      <Shared>0</Shared>
      <None>4249</None>
    </votingAuthority>
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    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>037833100</cusip>
    <value>4057</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15953</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15803</Sole>
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      <None>150</None>
    </votingAuthority>
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    <nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>038222105</cusip>
    <value>5068</value>
    <shrsOrPrnAmt>
      <sshPrnamt>110617</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>109169</Sole>
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      <None>1448</None>
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    <nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>038222105</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1645</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1645</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>040413106</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1001</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARROW ELECTRONICS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>042735100</cusip>
    <value>1527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29434</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29406</Sole>
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      <None>28</None>
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  <infoTable>
    <nameOfIssuer>ARROW ELECTRONICS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>042735100</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>70</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>00206R102</cusip>
    <value>18512</value>
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      <sshPrnamt>635061</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>620282</Sole>
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      <None>14779</None>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>00206R102</cusip>
    <value>897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>29335</Sole>
      <Shared>0</Shared>
      <None>1440</None>
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  <infoTable>
    <nameOfIssuer>AUTODESK INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>052769106</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1410</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>1110</None>
    </votingAuthority>
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    <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053015103</cusip>
    <value>18335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>134150</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>129626</Sole>
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      <None>4524</None>
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  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053015103</cusip>
    <value>2429</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17769</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17769</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053611109</cusip>
    <value>10620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>104243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>102460</Sole>
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      <None>1783</None>
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  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053611109</cusip>
    <value>1096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10762</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>05946K101</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10963</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>10963</None>
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    <nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>060505104</cusip>
    <value>8163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>384498</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>372315</Sole>
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      <None>12183</None>
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  <infoTable>
    <nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>060505104</cusip>
    <value>442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20835</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20835</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANK OF NEW YORK MELLON CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>064058100</cusip>
    <value>309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9177</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8868</Sole>
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      <None>309</None>
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    <nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>071813109</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2848</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>071813109</cusip>
    <value>122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BECTON DICKINSON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>075887109</cusip>
    <value>12902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55039</Sole>
      <Shared>0</Shared>
      <None>1115</None>
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  <infoTable>
    <nameOfIssuer>BECTON DICKINSON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>075887109</cusip>
    <value>1589</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6417</Sole>
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      <None>500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC CLASS A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670108</cusip>
    <value>544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670702</cusip>
    <value>27943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>152834</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>151961</Sole>
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      <None>873</None>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670702</cusip>
    <value>409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2238</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BGC PARTNERS INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>05541T101</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BIOGEN INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09062X103</cusip>
    <value>848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2667</Sole>
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      <None>13</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACK KNIGHT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09215C105</cusip>
    <value>1231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21194</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09247X101</cusip>
    <value>24676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55444</Sole>
      <Shared>0</Shared>
      <None>641</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09247X101</cusip>
    <value>2138</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4859</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK MUNI INCOME QUAL TR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>092479104</cusip>
    <value>25</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1900</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>BLACKROCK MUNI INCOME QUAL TR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>092479104</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>BLACKROCK MUNIHOLDINGS NJ QUAL</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>09254X101</cusip>
    <value>340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25794</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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    <nameOfIssuer>BLACKROCK MUNIYIELD NEW JERSEY</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>09254Y109</cusip>
    <value>358</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26556</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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    <nameOfIssuer>BLACKSTONE GROUP INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09260D107</cusip>
    <value>1309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28505</Sole>
      <Shared>0</Shared>
      <None>204</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKSTONE GROUP INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09260D107</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>097023105</cusip>
    <value>6234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>41078</Sole>
      <Shared>0</Shared>
      <None>724</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>097023105</cusip>
    <value>1062</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09857L108</cusip>
    <value>4969</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3598</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09857L108</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Boston Pptys Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>101121101</cusip>
    <value>2362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23032</Sole>
      <Shared>0</Shared>
      <None>2576</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>055622104</cusip>
    <value>179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7344</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>055622104</cusip>
    <value>141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5774</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>110122108</cusip>
    <value>28005</value>
    <shrsOrPrnAmt>
      <sshPrnamt>502413</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>494275</Sole>
      <Shared>0</Shared>
      <None>8138</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>110122108</cusip>
    <value>2552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>45378</Sole>
      <Shared>0</Shared>
      <None>405</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQU - RIGHTS   3</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>110122157</cusip>
    <value>323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>84606</Sole>
      <Shared>0</Shared>
      <None>578</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQU - RIGHTS   3</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>110122157</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5804</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>11135F101</cusip>
    <value>783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2820</Sole>
      <Shared>0</Shared>
      <None>484</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>11135F101</cusip>
    <value>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Brookfield Asset Mgmt</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>112585104</cusip>
    <value>1035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>22610</Sole>
      <Shared>0</Shared>
      <None>770</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>149123101</cusip>
    <value>4039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34805</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32674</Sole>
      <Shared>0</Shared>
      <None>2131</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>149123101</cusip>
    <value>921</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7811</Sole>
      <Shared>0</Shared>
      <None>125</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CDK GLOBAL HOLDINGS LLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>12508E101</cusip>
    <value>151</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3973</Sole>
      <Shared>0</Shared>
      <None>616</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CDK GLOBAL HOLDINGS LLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>12508E101</cusip>
    <value>61</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1857</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>808513105</cusip>
    <value>10849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>322708</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>321600</Sole>
      <Shared>0</Shared>
      <None>1108</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>808513105</cusip>
    <value>711</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC CL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>16119P108</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>466</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>294</Sole>
      <Shared>0</Shared>
      <None>172</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Check Point Software Technologies</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>M22465104</cusip>
    <value>1770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17432</Sole>
      <Shared>0</Shared>
      <None>170</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>166764100</cusip>
    <value>22238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>306910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>304329</Sole>
      <Shared>0</Shared>
      <None>2581</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>166764100</cusip>
    <value>2674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>36481</Sole>
      <Shared>0</Shared>
      <None>420</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Chubb Corp</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>171232101</cusip>
    <value>1847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16035</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
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    <nameOfIssuer>CHUBB LTD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6473</Sole>
      <Shared>0</Shared>
      <None>2417</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHUBB LTD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>398</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2693</Sole>
      <Shared>120</Shared>
      <None>752</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>171340102</cusip>
    <value>3550</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>54182</Sole>
      <Shared>0</Shared>
      <None>1131</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>171340102</cusip>
    <value>91</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>880</Shared>
      <None>540</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIGNA CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>125523100</cusip>
    <value>538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3038</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2494</Sole>
      <Shared>0</Shared>
      <None>544</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CIGNA CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>125523100</cusip>
    <value>148</value>
    <shrsOrPrnAmt>
      <sshPrnamt>836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>715</Sole>
      <Shared>0</Shared>
      <None>121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17275R102</cusip>
    <value>16497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>419659</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>412006</Sole>
      <Shared>0</Shared>
      <None>7653</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17275R102</cusip>
    <value>1529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>38889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>37989</Sole>
      <Shared>0</Shared>
      <None>900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIZENS FINANCIAL GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>174610105</cusip>
    <value>1716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>90319</Sole>
      <Shared>0</Shared>
      <None>893</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CITIZENS FINANCIAL GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>174610105</cusip>
    <value>128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6825</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOROX COMPANY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>189054109</cusip>
    <value>941</value>
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      <sshPrnamt>5431</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5431</Sole>
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      <None>0</None>
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    <nameOfIssuer>CLOROX COMPANY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>189054109</cusip>
    <value>104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>191216100</cusip>
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      <sshPrnamt>91788</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>85183</Sole>
      <Shared>0</Shared>
      <None>6605</None>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>191216100</cusip>
    <value>600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13567</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13567</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>194162103</cusip>
    <value>2442</value>
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      <sshPrnamt>36796</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35487</Sole>
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      <None>1309</None>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>194162103</cusip>
    <value>216</value>
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      <sshPrnamt>3250</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3250</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP-CL A</nameOfIssuer>
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    <cusip>20030N101</cusip>
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      <sshPrnamt>122291</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>115129</Sole>
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      <None>7162</None>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP-CL A</nameOfIssuer>
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    <cusip>20030N101</cusip>
    <value>120</value>
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      <sshPrnamt>3494</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3494</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>COMERICA INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>200340107</cusip>
    <value>1068</value>
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      <sshPrnamt>36396</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36223</Sole>
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      <None>173</None>
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  <infoTable>
    <nameOfIssuer>COMERICA INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>200340107</cusip>
    <value>127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4313</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4313</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>20825C104</cusip>
    <value>520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16890</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15664</Sole>
      <Shared>0</Shared>
      <None>1226</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>20825C104</cusip>
    <value>64</value>
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      <sshPrnamt>2078</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2078</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>209115104</cusip>
    <value>823</value>
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      <sshPrnamt>10554</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10359</Sole>
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      <None>195</None>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>209115104</cusip>
    <value>8</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>21036P108</cusip>
    <value>1111</value>
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      <sshPrnamt>7750</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7747</Sole>
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      <None>3</None>
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  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>21036P108</cusip>
    <value>92</value>
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      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>640</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONSUMER DISCRETIONARY SELT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>4195</value>
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      <sshPrnamt>42766</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39665</Sole>
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      <None>260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSUMER STAPLES SELECT SECTOR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8725</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>CORNING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>219350105</cusip>
    <value>213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9490</Sole>
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      <None>900</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>219350105</cusip>
    <value>1205</value>
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      <sshPrnamt>58670</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>58670</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>22052L104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>45905</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43027</Sole>
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      <None>2878</None>
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  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
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    <cusip>22052L104</cusip>
    <value>148</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6254</Sole>
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      <None>64</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COSTCO WHOLESALE CORP NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>22160K105</cusip>
    <value>23090</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>79717</Sole>
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      <None>1264</None>
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  <infoTable>
    <nameOfIssuer>COSTCO WHOLESALE CORP NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>22160K105</cusip>
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      <sshPrnamt>13355</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>12305</Sole>
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      <None>700</None>
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  <infoTable>
    <nameOfIssuer>Crown Castle Int'l Corp</nameOfIssuer>
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    <cusip>228227104</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17867</Sole>
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      <None>2393</None>
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  <infoTable>
    <nameOfIssuer>CROWN CASTLE INTL CORP REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>22822V101</cusip>
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      <sshPrnamt>14297</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>CROWN CASTLE INTL CORP REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>22822V101</cusip>
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      <sshPrnamt>2415</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>CSX CORP</nameOfIssuer>
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    <cusip>126408103</cusip>
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      <sshPrnamt>3583</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3103</Sole>
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      <None>480</None>
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  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>126408103</cusip>
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      <sshPrnamt>18785</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18785</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CubeSmart</nameOfIssuer>
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    <cusip>229663109</cusip>
    <value>1427</value>
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      <sshPrnamt>53263</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>46904</Sole>
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      <None>6359</None>
    </votingAuthority>
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    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
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    <cusip>231021106</cusip>
    <value>5972</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43122</Sole>
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      <None>1010</None>
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  <infoTable>
    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>231021106</cusip>
    <value>776</value>
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      <sshPrnamt>5732</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>5583</Sole>
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      <None>60</None>
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    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
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    <cusip>126650100</cusip>
    <value>10973</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>181234</Sole>
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  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>126650100</cusip>
    <value>728</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12274</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>235851102</cusip>
    <value>7885</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56970</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>56637</Sole>
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      <None>333</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DANAHER CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>235851102</cusip>
    <value>1759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12312</Sole>
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      <None>400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>244199105</cusip>
    <value>586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3847</Sole>
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      <None>398</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>244199105</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25179M103</cusip>
    <value>560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>80997</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25179M103</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12525</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Digital Realty Trust Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>253868103</cusip>
    <value>2433</value>
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      <sshPrnamt>17515</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15122</Sole>
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      <None>2393</None>
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    <nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>254687106</cusip>
    <value>20463</value>
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      <sshPrnamt>211828</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>210603</Sole>
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      <None>1225</None>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>254687106</cusip>
    <value>2998</value>
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      <sshPrnamt>31031</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30331</Sole>
      <Shared>0</Shared>
      <None>700</None>
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    <nameOfIssuer>DOLLAR GENERAL CORP</nameOfIssuer>
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    <cusip>256677105</cusip>
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      <sshPrnamt>58035</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55781</Sole>
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      <None>2254</None>
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    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
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    <cusip>25746U109</cusip>
    <value>6763</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>93165</Sole>
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      <None>523</None>
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    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25746U109</cusip>
    <value>1438</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19922</Sole>
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      <None>0</None>
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    <nameOfIssuer>DOVER CORP</nameOfIssuer>
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    <cusip>260003108</cusip>
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      <sshPrnamt>5436</sshPrnamt>
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    <votingAuthority>
      <Sole>5105</Sole>
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      <None>331</None>
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    <nameOfIssuer>DOW INC</nameOfIssuer>
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    <cusip>260557103</cusip>
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      <sshPrnamt>89167</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>87014</Sole>
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      <None>2153</None>
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    <cusip>260557103</cusip>
    <value>279</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9490</Sole>
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      <None>64</None>
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    <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
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    <cusip>26441C204</cusip>
    <value>1410</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16934</Sole>
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      <None>500</None>
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    <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
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    <cusip>26441C204</cusip>
    <value>399</value>
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      <sshPrnamt>4931</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4931</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUNKIN BRANDS GROUP INC</nameOfIssuer>
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    <cusip>265504100</cusip>
    <value>323</value>
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      <sshPrnamt>6090</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6090</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26614N102</cusip>
    <value>2520</value>
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      <sshPrnamt>73914</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>71466</Sole>
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      <None>2448</None>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26614N102</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9186</Sole>
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      <None>64</None>
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    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G29183103</cusip>
    <value>432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5557</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3886</Sole>
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      <None>1671</None>
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    <nameOfIssuer>EATON VANCE T/M BUY-WR IN</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>27828X100</cusip>
    <value>238</value>
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      <sshPrnamt>19532</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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    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278865100</cusip>
    <value>3209</value>
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      <sshPrnamt>20593</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20034</Sole>
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      <None>559</None>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278865100</cusip>
    <value>12</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>76</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>28176E108</cusip>
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      <sshPrnamt>2226</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2179</Sole>
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      <None>47</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>285512109</cusip>
    <value>326</value>
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      <sshPrnamt>3255</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2892</Sole>
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      <None>363</None>
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    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>291011104</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>59269</Sole>
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      <None>810</None>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
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    <cusip>291011104</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7774</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ENBRIDGE INCORPORATED</nameOfIssuer>
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    <cusip>29250N105</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3330</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INCORPORATED</nameOfIssuer>
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    <value>114</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3935</Sole>
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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>632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21748</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>17</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</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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    <nameOfIssuer>ENTERPRISE PRODS PARTNERS LP</nameOfIssuer>
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    <value>435</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28107</Sole>
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      <None>2300</None>
    </votingAuthority>
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    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26875P101</cusip>
    <value>232</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6177</Sole>
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      <None>270</None>
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  <infoTable>
    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26875P101</cusip>
    <value>73</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2026</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>EQUIFAX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>294429105</cusip>
    <value>218</value>
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      <sshPrnamt>1827</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
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      <None>127</None>
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    <nameOfIssuer>EQUIFAX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>294429105</cusip>
    <value>78</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>650</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Essex Property Trust Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>297178105</cusip>
    <value>1911</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>7682</Sole>
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      <None>994</None>
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    <nameOfIssuer>Extra Space Storage Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30225T102</cusip>
    <value>1617</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15123</Sole>
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      <None>1768</None>
    </votingAuthority>
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    <nameOfIssuer>EXXONMOBIL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30231G102</cusip>
    <value>23164</value>
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      <sshPrnamt>610066</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>587943</Sole>
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      <None>22123</None>
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  <infoTable>
    <nameOfIssuer>EXXONMOBIL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30231G102</cusip>
    <value>2715</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>71368</Sole>
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      <None>131</None>
    </votingAuthority>
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    <nameOfIssuer>FACEBOOK INC-A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30303M102</cusip>
    <value>10799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64746</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>59399</Sole>
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      <None>5347</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FACEBOOK INC-A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30303M102</cusip>
    <value>558</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3348</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FASTENAL CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>311900104</cusip>
    <value>2352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>75267</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FASTENAL CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>311900104</cusip>
    <value>37</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1195</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1195</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FEDEX CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31428X106</cusip>
    <value>3857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31811</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>31662</Sole>
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      <None>149</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FEDEX CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31428X106</cusip>
    <value>651</value>
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      <Sole>5371</Sole>
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    <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>2665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>128003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>107923</Sole>
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      <None>3932</None>
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  <infoTable>
    <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>3</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</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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    <nameOfIssuer>First Industrial Realty Trust</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>32054K103</cusip>
    <value>1590</value>
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      <sshPrnamt>47855</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>42239</Sole>
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      <None>5616</None>
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    <nameOfIssuer>FIRST REPUBLIC BANK</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>33616C100</cusip>
    <value>3348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40686</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>40681</Sole>
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      <None>5</None>
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  <infoTable>
    <nameOfIssuer>FIRST REPUBLIC BANK</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>33616C100</cusip>
    <value>220</value>
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      <sshPrnamt>2670</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2670</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST TRUST LARGE CAP CORE A</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>33734K109</cusip>
    <value>348</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7301</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>337738108</cusip>
    <value>647</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6807</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5990</Sole>
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      <None>817</None>
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  <infoTable>
    <nameOfIssuer>FNF GROUP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31620R303</cusip>
    <value>1724</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69309</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>69124</Sole>
      <Shared>0</Shared>
      <None>185</None>
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  <infoTable>
    <nameOfIssuer>FORD MOTOR CO DEL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>345370860</cusip>
    <value>616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>127601</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>126601</Sole>
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      <None>1000</None>
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  <infoTable>
    <nameOfIssuer>FORD MOTOR CO DEL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>345370860</cusip>
    <value>99</value>
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      <sshPrnamt>20400</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20400</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>34959J108</cusip>
    <value>514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9311</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8850</Sole>
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      <None>461</None>
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  <infoTable>
    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>34959J108</cusip>
    <value>245</value>
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      <sshPrnamt>4446</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4446</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GABELLI EQUITY TR INC</nameOfIssuer>
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    <cusip>362397101</cusip>
    <value>59</value>
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      <sshPrnamt>13449</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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    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
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    <cusip>369550108</cusip>
    <value>12805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96778</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>96134</Sole>
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      <None>644</None>
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    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
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    <cusip>369550108</cusip>
    <value>150</value>
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      <sshPrnamt>1130</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1130</Sole>
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      <None>0</None>
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    <nameOfIssuer>GENERAL ELECTRIC CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369604103</cusip>
    <value>729</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91822</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>78615</Sole>
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      <None>13207</None>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369604103</cusip>
    <value>423</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53279</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>53279</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>370334104</cusip>
    <value>2961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56113</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55268</Sole>
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      <None>845</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>370334104</cusip>
    <value>583</value>
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      <sshPrnamt>11040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10200</Sole>
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      <None>180</None>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>372460105</cusip>
    <value>4871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72352</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>71590</Sole>
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      <None>762</None>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>372460105</cusip>
    <value>220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3265</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Gilead Science  Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>375558103</cusip>
    <value>825</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10911</Sole>
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      <None>125</None>
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    <nameOfIssuer>GLAXO SMITHKLINE SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>37733W105</cusip>
    <value>501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12158</Sole>
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      <None>1076</None>
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  <infoTable>
    <nameOfIssuer>GLAXO SMITHKLINE SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>37733W105</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5980</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5980</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GOGO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>38046C109</cusip>
    <value>21</value>
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      <sshPrnamt>10000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
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    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>38141G104</cusip>
    <value>741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4792</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4575</Sole>
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      <None>217</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
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    <cusip>38141G104</cusip>
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      <sshPrnamt>1295</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1295</Sole>
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      <None>0</None>
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    <nameOfIssuer>Hansard Global PLC Douglas Shs</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>G4329M100</cusip>
    <value>6</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16956</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>2700</None>
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    <nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer>
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    <cusip>81369Y209</cusip>
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      <sshPrnamt>3938</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>HEALTHCARE TRUST OF AMER CL A</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>42225P501</cusip>
    <value>2116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87162</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>50076</Sole>
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  <infoTable>
    <nameOfIssuer>HEALTHCARE TRUST OF AMER CL A</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>42225P501</cusip>
    <value>137</value>
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      <sshPrnamt>5655</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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    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>437076102</cusip>
    <value>25883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138627</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>136346</Sole>
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      <None>2281</None>
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  <infoTable>
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      <sshPrnamt>14545</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13545</Sole>
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      <None>1000</None>
    </votingAuthority>
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    <nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>438516106</cusip>
    <value>5748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42962</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>40318</Sole>
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      <None>2644</None>
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  <infoTable>
    <nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>438516106</cusip>
    <value>140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1042</Sole>
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      <None>1</None>
    </votingAuthority>
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    <nameOfIssuer>HUNTINGTON BANCSHARES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>446150104</cusip>
    <value>140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17103</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11152</Sole>
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      <None>1837</None>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452308109</cusip>
    <value>2241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15767</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15069</Sole>
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      <None>698</None>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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    <cusip>452308109</cusip>
    <value>585</value>
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      <sshPrnamt>4115</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3615</Sole>
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      <None>500</None>
    </votingAuthority>
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    <nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y704</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>9886</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>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125</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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    <nameOfIssuer>INFOSYS LTD SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>456788108</cusip>
    <value>329</value>
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      <sshPrnamt>40016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35440</Sole>
      <Shared>0</Shared>
      <None>4576</None>
    </votingAuthority>
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    <nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>45687V106</cusip>
    <value>2018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>81360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>45687V106</cusip>
    <value>119</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4783</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>22007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>406646</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>402943</Sole>
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      <None>3703</None>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>2542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46965</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>46075</Sole>
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      <None>0</None>
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    <nameOfIssuer>INTERCONTINENTAL EXCHANGE</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>45866F104</cusip>
    <value>2644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>31518</Sole>
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      <None>1223</None>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>45866F104</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>260</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>460146103</cusip>
    <value>7638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>245370</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>244605</Sole>
      <Shared>0</Shared>
      <None>765</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>460146103</cusip>
    <value>396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12722</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INTERPUBLIC GROUP OF COMPANIES</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>460690100</cusip>
    <value>3274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>199466</Sole>
      <Shared>0</Shared>
      <None>2771</None>
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  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP OF COMPANIES</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>460690100</cusip>
    <value>328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20275</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>459200101</cusip>
    <value>7287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>64656</Sole>
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      <None>910</None>
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  <infoTable>
    <nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>459200101</cusip>
    <value>969</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8384</Sole>
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      <None>350</None>
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  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46120E602</cusip>
    <value>276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>557</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>344</Sole>
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      <None>213</None>
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  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46120E602</cusip>
    <value>45</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>90</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Invesco QQQ Tr Unit Ser 1</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>73935A104</cusip>
    <value>226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1189</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TRUST SERIES 1</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46090E103</cusip>
    <value>66212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>347752</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>INVESCO QQQ TRUST SERIES 1</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46090E103</cusip>
    <value>2521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO S&amp;P 500 EQUAL WEIGHT E</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46137V357</cusip>
    <value>7293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86802</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>INVESCO S&amp;P 500 EQUAL WEIGHT E</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46137V357</cusip>
    <value>315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3755</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>Iron Mountain</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46284V101</cusip>
    <value>1350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>53140</Sole>
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      <None>3580</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES BARCLAYS TIPS BOND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287176</cusip>
    <value>157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1329</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>ISHARES BARCLAYS TIPS BOND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287176</cusip>
    <value>84</value>
    <shrsOrPrnAmt>
      <sshPrnamt>715</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>i-Shares Core MSCI EM</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46434G103</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>115776</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>108870</Sole>
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      <None>6906</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287200</cusip>
    <value>3100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>872</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287200</cusip>
    <value>27</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287507</cusip>
    <value>966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6714</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287507</cusip>
    <value>47</value>
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      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287804</cusip>
    <value>2489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44353</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287804</cusip>
    <value>28</value>
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      <sshPrnamt>496</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE U.S. AGGREGATE BO</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287226</cusip>
    <value>375</value>
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      <sshPrnamt>3253</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>ISHARES CORE U.S. AGGREGATE BO</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287226</cusip>
    <value>51</value>
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      <sshPrnamt>443</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES DJ SELECT DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287168</cusip>
    <value>1796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>520</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DJ SELECT DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287168</cusip>
    <value>124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DJ US TECHNOLOGY SEC E</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287721</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES EDGE MSCI MIN VOL USA</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46429B697</cusip>
    <value>231</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4277</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 MSCI CANADA ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464286509</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11665</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 MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287465</cusip>
    <value>3166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59232</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12253</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287465</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</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 ET</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464288273</cusip>
    <value>308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>i-Shares MSCI EAFE Value Index Fd</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464288877</cusip>
    <value>714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19805</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING MKT ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287234</cusip>
    <value>1225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8468</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING MKT ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287234</cusip>
    <value>140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4090</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>OTHER</titleOfClass>
    <cusip>464286707</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10869</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>OTHER</titleOfClass>
    <cusip>464287556</cusip>
    <value>3932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36496</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>OTHER</titleOfClass>
    <cusip>464287556</cusip>
    <value>1269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11775</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NATIONAL MUNI BOND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464288414</cusip>
    <value>1338</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES PREFERRED &amp; INCOME SEC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464288687</cusip>
    <value>3041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95499</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES PREFERRED &amp; INCOME SEC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464288687</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6750</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 ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287622</cusip>
    <value>890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287622</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287614</cusip>
    <value>2257</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14976</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3303</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287614</cusip>
    <value>408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2710</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>OTHER</titleOfClass>
    <cusip>464287598</cusip>
    <value>1484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7428</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287598</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287655</cusip>
    <value>1407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12289</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 3000 ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287689</cusip>
    <value>208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287499</cusip>
    <value>1819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>320</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287499</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP GRWTH E</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287481</cusip>
    <value>2382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>37</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP GRWTH E</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287481</cusip>
    <value>1553</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP VALUE E</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287473</cusip>
    <value>1688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26344</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP VALUE E</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287473</cusip>
    <value>1135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 GROWTH ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287309</cusip>
    <value>6546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 GROWTH ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287309</cusip>
    <value>1312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 VALUE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287408</cusip>
    <value>8951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 VALUE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287408</cusip>
    <value>1204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALLCAP 600/VAL E</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287879</cusip>
    <value>563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALLCAP/600 GROWT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287887</cusip>
    <value>450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3262</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SHORT-TERM CORPORATE B</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464288646</cusip>
    <value>835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15956</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SHORT-TERM CORPORATE B</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464288646</cusip>
    <value>12</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>i-Shares Trust Russell 2000 Value</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287630</cusip>
    <value>818</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9978</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9928</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JM SMUCKER CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>832696405</cusip>
    <value>497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3587</Sole>
      <Shared>0</Shared>
      <None>894</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JM SMUCKER CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>832696405</cusip>
    <value>144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478160104</cusip>
    <value>42650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>325253</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>321620</Sole>
      <Shared>0</Shared>
      <None>3633</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478160104</cusip>
    <value>4782</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>36069</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46625H100</cusip>
    <value>36761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>408323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>398927</Sole>
      <Shared>0</Shared>
      <None>9396</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46625H100</cusip>
    <value>4103</value>
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    <nameOfIssuer>JPMORGAN ULTRA-SHORT INCOME ET</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46641Q837</cusip>
    <value>633</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12745</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12745</Sole>
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      <None>0</None>
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    <nameOfIssuer>JPMORGAN ULTRA-SHORT INCOME ET</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46641Q837</cusip>
    <value>1198</value>
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      <sshPrnamt>24125</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>KANSAS CITY SOUTHERN</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>485170302</cusip>
    <value>339</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2450</Sole>
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      <None>217</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>485170302</cusip>
    <value>64</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
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      <None>0</None>
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    <nameOfIssuer>KELLOGG CO</nameOfIssuer>
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    <cusip>487836108</cusip>
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    <votingAuthority>
      <Sole>5880</Sole>
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      <None>14</None>
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    <nameOfIssuer>KEYCORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>493267108</cusip>
    <value>2185</value>
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      <sshPrnamt>210703</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>208089</Sole>
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      <None>2614</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>493267108</cusip>
    <value>312</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30129</Sole>
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      <None>0</None>
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    <nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
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    <cusip>494368103</cusip>
    <value>1017</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7386</Sole>
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      <None>569</None>
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    <nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>494368103</cusip>
    <value>236</value>
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      <sshPrnamt>1846</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>346</None>
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    <nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
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    <cusip>49456B101</cusip>
    <value>129</value>
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      <sshPrnamt>9302</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5635</Sole>
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      <None>3667</None>
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    <nameOfIssuer>KINDER MORGAN INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>49456B101</cusip>
    <value>35</value>
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      <sshPrnamt>2548</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2548</Sole>
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      <None>0</None>
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    <nameOfIssuer>KKR REAL ESTATE FINANCE TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>48251K100</cusip>
    <value>586</value>
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      <sshPrnamt>39050</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>KROGER CO</nameOfIssuer>
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    <cusip>501044101</cusip>
    <value>390</value>
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      <sshPrnamt>12958</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7142</Sole>
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      <None>5816</None>
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    <nameOfIssuer>L3 HARRIS TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>502431109</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13826</Sole>
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      <None>607</None>
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    <nameOfIssuer>L3 HARRIS TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>502431109</cusip>
    <value>450</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
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      <None>0</None>
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    <nameOfIssuer>LABORATORY CORP AMERICA HOLDIN</nameOfIssuer>
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    <cusip>50540R409</cusip>
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      <sshPrnamt>93672</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>93274</Sole>
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      <None>398</None>
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    <nameOfIssuer>LABORATORY CORP AMERICA HOLDIN</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>50540R409</cusip>
    <value>524</value>
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      <sshPrnamt>4144</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4144</Sole>
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      <None>0</None>
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    <nameOfIssuer>LAUDER ESTEE COS CL-A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>518439104</cusip>
    <value>2534</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15902</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15805</Sole>
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      <None>97</None>
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    <nameOfIssuer>LAUDER ESTEE COS CL-A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>518439104</cusip>
    <value>121</value>
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      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>760</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>LAZARD LTD CL A</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G54050102</cusip>
    <value>229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9701</Sole>
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      <None>0</None>
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    <nameOfIssuer>LAZARD LTD CL A</nameOfIssuer>
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      <sshPrnamt>200</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
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    <nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
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    <cusip>532457108</cusip>
    <value>9424</value>
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      <sshPrnamt>67940</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>66067</Sole>
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      <None>1873</None>
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    <nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
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    <cusip>532457108</cusip>
    <value>1118</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8059</Sole>
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      <None>0</None>
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    <nameOfIssuer>LINDE PLC</nameOfIssuer>
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    <cusip>G5494J103</cusip>
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      <sshPrnamt>9846</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8836</Sole>
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      <None>1010</None>
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    <nameOfIssuer>LINDE PLC</nameOfIssuer>
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    <cusip>G5494J103</cusip>
    <value>187</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1081</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
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    <cusip>539830109</cusip>
    <value>568</value>
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      <sshPrnamt>1677</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1367</Sole>
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      <None>310</None>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
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    <cusip>539830109</cusip>
    <value>17</value>
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      <sshPrnamt>50</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Loral Space &amp; Communications Inc</nameOfIssuer>
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    <cusip>543881106</cusip>
    <value>226</value>
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      <sshPrnamt>13885</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13885</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>548661107</cusip>
    <value>10602</value>
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      <sshPrnamt>123202</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>121188</Sole>
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      <None>2014</None>
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    <cusip>548661107</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>14078</Sole>
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      <None>0</None>
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    <nameOfIssuer>M &amp; T BANK CORP</nameOfIssuer>
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    <cusip>55261F104</cusip>
    <value>675</value>
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      <sshPrnamt>6527</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>MAGELLAN MIDSTREAM PARTNERS LP</nameOfIssuer>
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    <value>325</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6309</Sole>
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      <None>2593</None>
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    <nameOfIssuer>MARATHON PETROLEUM CORPORATION</nameOfIssuer>
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    <value>42</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1100</Sole>
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      <None>669</None>
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  <infoTable>
    <nameOfIssuer>MARATHON PETROLEUM CORPORATION</nameOfIssuer>
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    <cusip>56585A102</cusip>
    <value>172</value>
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      <sshPrnamt>7270</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7270</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>571903202</cusip>
    <value>180</value>
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      <sshPrnamt>2407</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1763</Sole>
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      <None>644</None>
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  <infoTable>
    <nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>571903202</cusip>
    <value>49</value>
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      <sshPrnamt>653</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>653</Sole>
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      <None>0</None>
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    <nameOfIssuer>Marriott Internatl Inc Class A New Frac (W)</nameOfIssuer>
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    <cusip>FHB903208</cusip>
    <value>0</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>11935</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MARTIN MARIETTA MATLS INC</nameOfIssuer>
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    <value>4145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21904</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21609</Sole>
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      <None>295</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MARTIN MARIETTA MATLS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>573284106</cusip>
    <value>478</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2525</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1182</Sole>
      <Shared>0</Shared>
      <None>2058</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>579780206</cusip>
    <value>1066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7547</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7358</Sole>
      <Shared>0</Shared>
      <None>189</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>579780206</cusip>
    <value>1050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7435</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>580135101</cusip>
    <value>15768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>94020</Sole>
      <Shared>0</Shared>
      <None>1345</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>580135101</cusip>
    <value>2799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16927</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>4369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45247</Sole>
      <Shared>0</Shared>
      <None>3202</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>147</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1634</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>40036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>520356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>513257</Sole>
      <Shared>0</Shared>
      <None>7099</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>4892</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>63408</Sole>
      <Shared>0</Shared>
      <None>180</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Merck &amp; Co Inc New</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>589331107</cusip>
    <value>1333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17331</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17331</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>59156R108</cusip>
    <value>856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27990</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>27215</Sole>
      <Shared>0</Shared>
      <None>775</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>59156R108</cusip>
    <value>270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8845</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8845</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MGM GROWTH PROPERTIES LLC REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>55303A105</cusip>
    <value>773</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32653</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>MGM GROWTH PROPERTIES LLC REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>55303A105</cusip>
    <value>120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5050</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>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>595017104</cusip>
    <value>679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8698</Sole>
      <Shared>0</Shared>
      <None>1314</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>595017104</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>737</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>595112103</cusip>
    <value>251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5100</Sole>
      <Shared>0</Shared>
      <None>870</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>594918104</cusip>
    <value>45871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>290857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>278589</Sole>
      <Shared>0</Shared>
      <None>12268</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>594918104</cusip>
    <value>3661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23213</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23213</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Mid American Apartment Communities Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>59522J103</cusip>
    <value>1900</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18442</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16488</Sole>
      <Shared>0</Shared>
      <None>1954</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>609207105</cusip>
    <value>855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17064</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16358</Sole>
      <Shared>0</Shared>
      <None>706</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>609207105</cusip>
    <value>149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2967</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2967</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>617446448</cusip>
    <value>4721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>138861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>137060</Sole>
      <Shared>0</Shared>
      <None>1801</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>617446448</cusip>
    <value>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NASDAQ INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>631103108</cusip>
    <value>237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2494</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NATIONAL BEVERAGE CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>635017106</cusip>
    <value>2559</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>60000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Nestle S A ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>641069406</cusip>
    <value>3815</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36756</Sole>
      <Shared>0</Shared>
      <None>360</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>64110L106</cusip>
    <value>413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>718</Sole>
      <Shared>0</Shared>
      <None>382</None>
    </votingAuthority>
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    <nameOfIssuer>NEW JERSEY RESOURCES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>646025106</cusip>
    <value>465</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13701</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEW JERSEY RESOURCES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>646025106</cusip>
    <value>48</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEWMARK GROUP INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65158N102</cusip>
    <value>86</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20177</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65339F101</cusip>
    <value>19552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81255</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>80794</Sole>
      <Shared>0</Shared>
      <None>461</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65339F101</cusip>
    <value>1309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5440</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654106103</cusip>
    <value>5090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>58847</Sole>
      <Shared>0</Shared>
      <None>2670</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654106103</cusip>
    <value>228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2755</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>655844108</cusip>
    <value>413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2827</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2551</Sole>
      <Shared>0</Shared>
      <None>276</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>655844108</cusip>
    <value>380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2600</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>665859104</cusip>
    <value>226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>665859104</cusip>
    <value>96</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1275</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>666807102</cusip>
    <value>272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>686</Sole>
      <Shared>0</Shared>
      <None>212</None>
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    <nameOfIssuer>NORTHROP GRUMMAN CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>666807102</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NOVARTIS AG SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>66987V109</cusip>
    <value>6956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>80386</Sole>
      <Shared>876</Shared>
      <None>3107</None>
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  <infoTable>
    <nameOfIssuer>NOVARTIS AG SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>66987V109</cusip>
    <value>346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NOVO NORDISK AS SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>670100205</cusip>
    <value>251</value>
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      <sshPrnamt>4170</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3735</Sole>
      <Shared>0</Shared>
      <None>435</None>
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  <infoTable>
    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>670346105</cusip>
    <value>2609</value>
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      <sshPrnamt>72420</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>71692</Sole>
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      <None>728</None>
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  <infoTable>
    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>670346105</cusip>
    <value>297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8250</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN DOW30 DYN OVERWRT FD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67075F105</cusip>
    <value>152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12108</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>NUVEEN NEW JERSEY QUALITY MUNI</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67069Y102</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5325</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>NUVEEN NEW JERSEY QUALITY MUNI</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67069Y102</cusip>
    <value>142</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10600</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>NUVEEN S&amp;P 500 BUY-WRT INC FD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>6706ER101</cusip>
    <value>158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15628</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>NVIDIA CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>67066G104</cusip>
    <value>923</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2980</Sole>
      <Shared>0</Shared>
      <None>521</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>670837103</cusip>
    <value>299</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9735</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>135</Sole>
      <Shared>0</Shared>
      <None>9600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68389X105</cusip>
    <value>14680</value>
    <shrsOrPrnAmt>
      <sshPrnamt>303738</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>299639</Sole>
      <Shared>0</Shared>
      <None>4099</None>
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  <infoTable>
    <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68389X105</cusip>
    <value>941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19466</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19466</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PACKAGING CORP OF AMERICA</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>695156109</cusip>
    <value>12238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140938</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>140938</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>PARTY CITY HOLDCO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>702149105</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>704326107</cusip>
    <value>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4691</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4449</Sole>
      <Shared>0</Shared>
      <None>242</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>704326107</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>63</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>24698</value>
    <shrsOrPrnAmt>
      <sshPrnamt>257969</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>252881</Sole>
      <Shared>0</Shared>
      <None>5088</None>
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  <infoTable>
    <nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>1236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12905</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEAPACK-GLADSTONE FINL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>704699107</cusip>
    <value>10971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>611230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>327807</Sole>
      <Shared>0</Shared>
      <None>283423</None>
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  <infoTable>
    <nameOfIssuer>PEAPACK-GLADSTONE FINL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>704699107</cusip>
    <value>5293</value>
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      <sshPrnamt>294849</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>281012</Sole>
      <Shared>0</Shared>
      <None>13837</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>713448108</cusip>
    <value>37266</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>307202</Sole>
      <Shared>0</Shared>
      <None>3093</None>
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  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>713448108</cusip>
    <value>4512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37570</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>35070</Sole>
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      <None>2500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PERFORMANCE FOOD GROUP CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>71377A103</cusip>
    <value>213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>717081103</cusip>
    <value>7952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243628</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>227227</Sole>
      <Shared>0</Shared>
      <None>16401</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>717081103</cusip>
    <value>601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18403</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718172109</cusip>
    <value>5103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>68008</Sole>
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      <None>1938</None>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718172109</cusip>
    <value>314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4235</Sole>
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      <None>65</None>
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    <nameOfIssuer>PIMCO 0-5 YEAR H/Y CORP BD IND</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>72201R783</cusip>
    <value>2073</value>
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      <sshPrnamt>24176</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>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693475105</cusip>
    <value>16712</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174596</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>172116</Sole>
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      <None>2480</None>
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  <infoTable>
    <nameOfIssuer>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693475105</cusip>
    <value>666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6962</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6962</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PPG INDUSTRIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693506107</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2405</Sole>
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      <None>77</None>
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  <infoTable>
    <nameOfIssuer>PPG INDUSTRIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693506107</cusip>
    <value>167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PPL CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>69351T106</cusip>
    <value>685</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>27758</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PPL CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>69351T106</cusip>
    <value>43</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1740</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>742718109</cusip>
    <value>27462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249654</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>246225</Sole>
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      <None>3429</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>742718109</cusip>
    <value>4856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44149</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>41919</Sole>
      <Shared>360</Shared>
      <None>1870</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ProLogis Trust</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74340W103</cusip>
    <value>2043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25422</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>22541</Sole>
      <Shared>0</Shared>
      <None>2881</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PTC INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>69370C100</cusip>
    <value>333</value>
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      <sshPrnamt>5445</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5445</Sole>
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      <None>0</None>
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    <nameOfIssuer>PTC INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>69370C100</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROU</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>744573106</cusip>
    <value>5170</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>112109</Sole>
      <Shared>0</Shared>
      <None>3006</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROU</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>744573106</cusip>
    <value>657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14638</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PUBLIC STORAGE INC REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>74460D109</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1431</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>PUBLIC STORAGE INC REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>74460D109</cusip>
    <value>20</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</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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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>747525103</cusip>
    <value>6293</value>
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      <sshPrnamt>93027</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>92133</Sole>
      <Shared>0</Shared>
      <None>894</None>
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  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>747525103</cusip>
    <value>1537</value>
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      <sshPrnamt>22726</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21726</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
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    <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74834L100</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2630</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2150</Sole>
      <Shared>0</Shared>
      <None>480</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74834L100</cusip>
    <value>490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5900</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>RAYTHEON COMPANY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>755111507</cusip>
    <value>315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2038</Sole>
      <Shared>0</Shared>
      <None>367</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REALTY INCOME CORP REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>756109104</cusip>
    <value>2851</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57182</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>38366</Sole>
      <Shared>0</Shared>
      <None>4592</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>75886F107</cusip>
    <value>683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>998</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>773903109</cusip>
    <value>4961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32801</Sole>
      <Shared>0</Shared>
      <None>71</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>778296103</cusip>
    <value>252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>990</Sole>
      <Shared>0</Shared>
      <None>1908</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL PLC SPONS AD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259107</cusip>
    <value>330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10116</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9049</Sole>
      <Shared>0</Shared>
      <None>1067</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259206</cusip>
    <value>191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5484</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259206</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2482</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2482</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78409V104</cusip>
    <value>941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3546</Sole>
      <Shared>0</Shared>
      <None>292</None>
    </votingAuthority>
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    <nameOfIssuer>SALESFORCE.COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>79466L302</cusip>
    <value>1895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10420</Sole>
      <Shared>0</Shared>
      <None>2739</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SANOFI SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>80105N105</cusip>
    <value>201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2328</Sole>
      <Shared>0</Shared>
      <None>2280</None>
    </votingAuthority>
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    <nameOfIssuer>SAP SE SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>803054204</cusip>
    <value>394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1111</Sole>
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      <None>2456</None>
    </votingAuthority>
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    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>806857108</cusip>
    <value>967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>70709</Sole>
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      <None>1000</None>
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    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>806857108</cusip>
    <value>171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11701</Sole>
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      <None>1000</None>
    </votingAuthority>
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    <nameOfIssuer>Schwab International</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>808524805</cusip>
    <value>8294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>320988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>297223</Sole>
      <Shared>0</Shared>
      <None>23765</None>
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    <nameOfIssuer>Schwab US Large Cap Etf</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>808524201</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3790</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3790</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SCHWAB US LARGE CAP VALUE</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>808524409</cusip>
    <value>272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6146</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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    <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>816300107</cusip>
    <value>547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81762P102</cusip>
    <value>599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1372</Sole>
      <Shared>0</Shared>
      <None>718</None>
    </votingAuthority>
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    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>824348106</cusip>
    <value>270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>408</Sole>
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      <None>180</None>
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    <nameOfIssuer>SIMON PROPERTY GROUP INC REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>828806109</cusip>
    <value>2158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16361</Sole>
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      <None>2098</None>
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  <infoTable>
    <nameOfIssuer>SIMON PROPERTY GROUP INC REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>828806109</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>941</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>83088M102</cusip>
    <value>848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9483</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9483</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>842587107</cusip>
    <value>990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18286</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17139</Sole>
      <Shared>0</Shared>
      <None>1147</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>842587107</cusip>
    <value>372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6870</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR BLOOMBERG BARCLAYS S/T BD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78468R408</cusip>
    <value>501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21277</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 BLOOMBERG BARCLAYS S/T BD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78468R408</cusip>
    <value>31</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1300</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 DJIA TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78467X109</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>940</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>SPDR GOLD TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78463V107</cusip>
    <value>510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78463V107</cusip>
    <value>36</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242</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>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78462F103</cusip>
    <value>27660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>915</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78462F103</cusip>
    <value>2688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10430</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>OTHER</titleOfClass>
    <cusip>78464A763</cusip>
    <value>5313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78464A763</cusip>
    <value>1278</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16007</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>OTHER</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>17819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>1141</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4342</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Stag Industrial Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>85254J102</cusip>
    <value>1053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>40931</Sole>
      <Shared>0</Shared>
      <None>5824</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>855244109</cusip>
    <value>7604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>113186</Sole>
      <Shared>0</Shared>
      <None>2482</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>855244109</cusip>
    <value>964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14664</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STREET CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>857477103</cusip>
    <value>221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4158</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1177</Sole>
      <Shared>0</Shared>
      <None>2981</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>863667101</cusip>
    <value>11060</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66429</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>66166</Sole>
      <Shared>0</Shared>
      <None>263</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>863667101</cusip>
    <value>353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2122</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUNCOR ENERGY INC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>867224107</cusip>
    <value>166</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10495</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9152</Sole>
      <Shared>0</Shared>
      <None>1343</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SVB FINANCIAL GROUP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78486Q101</cusip>
    <value>1163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7701</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871829107</cusip>
    <value>8296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>181815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>179979</Sole>
      <Shared>0</Shared>
      <None>1836</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871829107</cusip>
    <value>1104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22667</Sole>
      <Shared>1050</Shared>
      <None>475</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74144T108</cusip>
    <value>430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4402</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>874039100</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>4019</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>87612E106</cusip>
    <value>576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6194</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5580</Sole>
      <Shared>0</Shared>
      <None>614</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>87612E106</cusip>
    <value>163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1749</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LIMITED</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>H84989104</cusip>
    <value>4887</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77599</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>76878</Sole>
      <Shared>0</Shared>
      <None>721</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LIMITED</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>H84989104</cusip>
    <value>246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3908</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNOLOGY SELECT SECT SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22222</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TECHNOLOGY SELECT SECT SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TELIGENT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>87960W104</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>88160R101</cusip>
    <value>389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>882508104</cusip>
    <value>5091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50948</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>47955</Sole>
      <Shared>0</Shared>
      <None>2993</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>882508104</cusip>
    <value>122</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXTRON INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883203101</cusip>
    <value>236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8700</Sole>
      <Shared>0</Shared>
      <None>137</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>The Community Financial Corp</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89546L107</cusip>
    <value>144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6529</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE HERSHEY COMPANY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>427866108</cusip>
    <value>689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5203</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4775</Sole>
      <Shared>0</Shared>
      <None>428</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883556102</cusip>
    <value>8293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28033</Sole>
      <Shared>0</Shared>
      <None>1210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883556102</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>872540109</cusip>
    <value>17587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>367841</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>365085</Sole>
      <Shared>0</Shared>
      <None>2756</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>872540109</cusip>
    <value>1315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27514</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>27514</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTAL S.A. SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89151E109</cusip>
    <value>1489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39547</Sole>
      <Shared>0</Shared>
      <None>424</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTAL S.A. SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89151E109</cusip>
    <value>60</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>7616</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>92216</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>448</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5423</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5423</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
    <value>982</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9389</Sole>
      <Shared>0</Shared>
      <None>496</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
    <value>62</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TRUIST FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>8498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>275523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>272592</Sole>
      <Shared>0</Shared>
      <None>2931</None>
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  <infoTable>
    <nameOfIssuer>TRUIST FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21470</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21470</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>UMH PROPERTIES INC REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>903002103</cusip>
    <value>792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72951</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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    <nameOfIssuer>UNILEVER NV NY SHARES ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>904784709</cusip>
    <value>379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7761</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5197</Sole>
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      <None>2564</None>
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  <infoTable>
    <nameOfIssuer>UNILEVER NV NY SHARES ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>904784709</cusip>
    <value>59</value>
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      <sshPrnamt>1200</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>907818108</cusip>
    <value>35871</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254333</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>251881</Sole>
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      <None>2452</None>
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  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>907818108</cusip>
    <value>1661</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11780</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>911312106</cusip>
    <value>1739</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18618</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17938</Sole>
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      <None>680</None>
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  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>911312106</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>65</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>913017109</cusip>
    <value>18021</value>
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      <sshPrnamt>191040</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>176442</Sole>
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      <None>14598</None>
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  <infoTable>
    <nameOfIssuer>UNITED TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>913017109</cusip>
    <value>2263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23994</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23494</Sole>
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      <None>500</None>
    </votingAuthority>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91324P102</cusip>
    <value>7564</value>
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      <sshPrnamt>30334</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>27704</Sole>
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      <None>2630</None>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91324P102</cusip>
    <value>116</value>
    <shrsOrPrnAmt>
      <sshPrnamt>467</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>467</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>US BANCORP NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902973304</cusip>
    <value>2596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75336</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>74072</Sole>
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      <None>1264</None>
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  <infoTable>
    <nameOfIssuer>US BANCORP NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902973304</cusip>
    <value>673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19533</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19533</Sole>
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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>979</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17667</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>OTHER</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>86</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</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>V.F. CORP</nameOfIssuer>
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    <cusip>918204108</cusip>
    <value>10021</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>184165</Sole>
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      <None>1137</None>
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    <nameOfIssuer>V.F. CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>918204108</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25701</Sole>
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      <None>700</None>
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  <infoTable>
    <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
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    <cusip>919794107</cusip>
    <value>95</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12947</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD DIVIDEND APPREC ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921908844</cusip>
    <value>361</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>Vanguard FTSE All World Ex US</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922042718</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>64122</Sole>
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      <None>3470</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD FTSE ALL-WORLD EX-US</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
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    <value>271</value>
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    <votingAuthority>
      <Sole>365</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKET</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921943858</cusip>
    <value>1260</value>
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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 FTSE DEVELOPED MARKET</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921943858</cusip>
    <value>338</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922042858</cusip>
    <value>22088</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922042858</cusip>
    <value>1445</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD FTSE EUROPE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922042874</cusip>
    <value>24680</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD FTSE EUROPE ETF</nameOfIssuer>
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    <cusip>922042874</cusip>
    <value>1169</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908736</cusip>
    <value>606</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>180</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>92204A504</cusip>
    <value>21414</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>60</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer>
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    <cusip>92204A504</cusip>
    <value>881</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  </infoTable>
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    <nameOfIssuer>VANGUARD HIGH DVD YIELD ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921946406</cusip>
    <value>3347</value>
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      <sshPrnamt>47301</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>VANGUARD HIGH DVD YIELD ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921946406</cusip>
    <value>156</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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  </infoTable>
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    <nameOfIssuer>VANGUARD IND FD MID-CAP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908629</cusip>
    <value>26622</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>26</Sole>
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      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD IND FD MID-CAP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908629</cusip>
    <value>1210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9190</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTER TERM CORP BOND</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>92206C870</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2588</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>VANGUARD INTERMEDIATE-TERM BON</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921937819</cusip>
    <value>12308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>137790</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>95</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTERMEDIATE-TERM BON</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921937819</cusip>
    <value>475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5313</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD LARGE-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908637</cusip>
    <value>1031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8703</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD LARGE-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908637</cusip>
    <value>95</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</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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  <infoTable>
    <nameOfIssuer>Vanguard Mid-Cap Value Index</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908512</cusip>
    <value>2509</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30860</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29715</Sole>
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      <None>1145</None>
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    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908553</cusip>
    <value>1586</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22703</sshPrnamt>
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    <votingAuthority>
      <Sole>13294</Sole>
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      <None>1060</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer>
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    <cusip>922908553</cusip>
    <value>136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1949</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908363</cusip>
    <value>53171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>224522</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>420</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908363</cusip>
    <value>3689</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15579</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD S&amp;P 500 GROWTH ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921932505</cusip>
    <value>598</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4020</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SHORT TERM BOND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921937827</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>252431</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>22</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SHORT TERM BOND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921937827</cusip>
    <value>1137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13831</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908595</cusip>
    <value>5468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36379</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>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908595</cusip>
    <value>1722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11458</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP VALUE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908611</cusip>
    <value>7619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85799</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30822</Sole>
      <Shared>0</Shared>
      <None>4245</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP VALUE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908611</cusip>
    <value>1213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13665</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>VANGUARD SMALL-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908751</cusip>
    <value>33323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>288662</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6680</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908751</cusip>
    <value>1860</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16112</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>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921937835</cusip>
    <value>1421</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16653</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921937835</cusip>
    <value>21</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</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>VANGUARD VALUE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908744</cusip>
    <value>681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7644</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92343V104</cusip>
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      <sshPrnamt>280761</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>272200</Sole>
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      <None>8561</None>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
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    <cusip>92343V104</cusip>
    <value>2087</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>34998</Sole>
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      <None>3440</None>
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    <nameOfIssuer>VIACOMCBS INC CL B</nameOfIssuer>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>107855</Sole>
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      <None>1731</None>
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  <infoTable>
    <nameOfIssuer>VIACOMCBS INC CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92556H206</cusip>
    <value>21</value>
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      <sshPrnamt>1525</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1525</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Vici Properties Inc</nameOfIssuer>
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    <cusip>925652109</cusip>
    <value>1094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65741</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>58651</Sole>
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      <None>7090</None>
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    <nameOfIssuer>VISA INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92826C839</cusip>
    <value>11952</value>
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      <sshPrnamt>74184</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>70470</Sole>
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      <None>3714</None>
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  <infoTable>
    <nameOfIssuer>VISA INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92826C839</cusip>
    <value>578</value>
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      <sshPrnamt>3586</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3586</Sole>
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      <None>0</None>
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    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
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    <cusip>931427108</cusip>
    <value>106</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2311</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2311</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WALGREENS BOOTS ALLIANCE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>931427108</cusip>
    <value>114</value>
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      <sshPrnamt>2500</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>931142103</cusip>
    <value>7769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68377</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>67711</Sole>
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      <None>666</None>
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  <infoTable>
    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>931142103</cusip>
    <value>356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3135</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3135</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>94106L109</cusip>
    <value>16193</value>
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      <sshPrnamt>174937</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>174106</Sole>
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      <None>831</None>
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  <infoTable>
    <nameOfIssuer>WASTE MANAGEMENT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>94106L109</cusip>
    <value>1596</value>
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      <sshPrnamt>17238</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17238</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WAYSIDE TECHNOLOGY GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>946760105</cusip>
    <value>1082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84635</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>84635</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92939U106</cusip>
    <value>403</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4575</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>876</Sole>
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      <None>3699</None>
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  <infoTable>
    <nameOfIssuer>WEC ENERGY GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92939U106</cusip>
    <value>206</value>
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      <sshPrnamt>2334</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2334</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>949746101</cusip>
    <value>1130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>37790</Sole>
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      <None>1568</None>
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  <infoTable>
    <nameOfIssuer>WELLS FARGO &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>949746101</cusip>
    <value>519</value>
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      <sshPrnamt>18100</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18100</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>WELLTOWER INC REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>2248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49109</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35556</Sole>
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      <None>4690</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WELLTOWER INC REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>95040Q104</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1725</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>WEYERHAEUSER CO REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
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</SEC-DOCUMENT>
