<SEC-DOCUMENT>0001050743-20-000007.txt : 20200814
<SEC-HEADER>0001050743-20-000007.hdr.sgml : 20200814
<ACCEPTANCE-DATETIME>20200813203632
ACCESSION NUMBER:		0001050743-20-000007
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20200630
FILED AS OF DATE:		20200814
DATE AS OF CHANGE:		20200813
EFFECTIVENESS DATE:		20200814

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:		201100972

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

	MAIL ADDRESS:	
		STREET 1:		500 HILLS DRIVE
		CITY:			BEDMINSTER
		STATE:			NJ
		ZIP:			07921
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
<TEXT>
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    <submissionType>13F-HR</submissionType>
    <filerInfo>
      <liveTestFlag>LIVE</liveTestFlag>
      <flags>
        <confirmingCopyFlag>false</confirmingCopyFlag>
        <returnCopyFlag>false</returnCopyFlag>
        <overrideInternetFlag>false</overrideInternetFlag>
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      <filer>
        <credentials>
          <cik>0001050743</cik>
          <ccc>XXXXXXXX</ccc>
        </credentials>
      </filer>
      <periodOfReport>06-30-2020</periodOfReport>
    </filerInfo>
  </headerData>
  <formData>
    <coverPage>
      <reportCalendarOrQuarter>06-30-2020</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>
      </filingManager>
      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-06431</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Daniel J. Leary III</name>
      <title>Chief Fiduciary Officer</title>
      <phone>908-719-4331</phone>
      <signature>Daniel J. Leary III</signature>
      <city>Bedminster</city>
      <stateOrCountry>NJ</stateOrCountry>
      <signatureDate>06-30-2020</signatureDate>
    </signatureBlock>
    <summaryPage>
      <otherIncludedManagersCount>0</otherIncludedManagersCount>
      <tableEntryTotal>615</tableEntryTotal>
      <tableValueTotal>2526022</tableValueTotal>
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<DOCUMENT>
<TYPE>INFORMATION TABLE
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    <nameOfIssuer>ABERDEEN STANDARD PHYS PREC MT</nameOfIssuer>
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    <cusip>003263100</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>025816109</cusip>
    <value>2374</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24942</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>24767</Sole>
      <Shared>0</Shared>
      <None>175</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN EXPRESS CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>025816109</cusip>
    <value>615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6455</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>American Tower Corp Class A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>029912201</cusip>
    <value>3156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11045</Sole>
      <Shared>0</Shared>
      <None>1160</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMERICAN TOWER CORP REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>03027X100</cusip>
    <value>224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>865</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>AMERICAN WATER WORKS CO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>030420103</cusip>
    <value>575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4472</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4396</Sole>
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      <None>76</None>
    </votingAuthority>
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    <nameOfIssuer>AMERISOURCEBERGEN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>03073E105</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
      <Shared>0</Shared>
      <None>1881</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>031162100</cusip>
    <value>14238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60367</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>58519</Sole>
      <Shared>0</Shared>
      <None>1848</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AMGEN INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>031162100</cusip>
    <value>938</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3975</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3675</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
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    <nameOfIssuer>ANALOG DEVICES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>032654105</cusip>
    <value>1149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9027</Sole>
      <Shared>0</Shared>
      <None>344</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ANTHEM INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>036752103</cusip>
    <value>560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1781</Sole>
      <Shared>0</Shared>
      <None>349</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AON PLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G0403H108</cusip>
    <value>7095</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36836</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>36090</Sole>
      <Shared>0</Shared>
      <None>746</None>
    </votingAuthority>
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    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>037833100</cusip>
    <value>108520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297479</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>293574</Sole>
      <Shared>0</Shared>
      <None>3905</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>APPLE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>037833100</cusip>
    <value>5809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15773</Sole>
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      <None>150</None>
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    <nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>038222105</cusip>
    <value>7898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>130640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>127749</Sole>
      <Shared>0</Shared>
      <None>2891</None>
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  <infoTable>
    <nameOfIssuer>APPLIED MATERIALS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>038222105</cusip>
    <value>99</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1645</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>040413106</cusip>
    <value>271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1290</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1290</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ARROW ELECTRONICS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>042735100</cusip>
    <value>2044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29751</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>29116</Sole>
      <Shared>0</Shared>
      <None>635</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ARROW ELECTRONICS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>042735100</cusip>
    <value>5</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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  <infoTable>
    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>00206R102</cusip>
    <value>20032</value>
    <shrsOrPrnAmt>
      <sshPrnamt>662654</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>653563</Sole>
      <Shared>0</Shared>
      <None>9091</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>00206R102</cusip>
    <value>927</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>29224</Sole>
      <Shared>0</Shared>
      <None>1440</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AUTODESK INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>052769106</cusip>
    <value>426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>1479</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053015103</cusip>
    <value>19780</value>
    <shrsOrPrnAmt>
      <sshPrnamt>132852</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>129181</Sole>
      <Shared>0</Shared>
      <None>3671</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AUTOMATIC DATA PROCESSING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053015103</cusip>
    <value>2646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17769</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AUTOZONE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053332102</cusip>
    <value>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>98</Sole>
      <Shared>0</Shared>
      <None>99</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053611109</cusip>
    <value>11809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>101794</Sole>
      <Shared>0</Shared>
      <None>1709</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AVERY DENNISON CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>053611109</cusip>
    <value>1228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10762</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10762</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANCO BILBAO VIZCAYA SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>05946K101</cusip>
    <value>59</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17223</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANCO SANTANDER SA SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>05964H105</cusip>
    <value>47</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3300</Sole>
      <Shared>0</Shared>
      <None>16056</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>060505104</cusip>
    <value>10264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>432171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>420623</Sole>
      <Shared>0</Shared>
      <None>11548</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BANK OF AMERICA CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>060505104</cusip>
    <value>495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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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>355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8868</Sole>
      <Shared>0</Shared>
      <None>309</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>071813109</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2828</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2828</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BAXTER INTL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>071813109</cusip>
    <value>129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BECTON DICKINSON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>075887109</cusip>
    <value>13340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>54647</Sole>
      <Shared>0</Shared>
      <None>1106</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BECTON DICKINSON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>075887109</cusip>
    <value>1655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6417</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC CLASS A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670108</cusip>
    <value>535</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670702</cusip>
    <value>27317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153026</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>151961</Sole>
      <Shared>0</Shared>
      <None>1065</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BERKSHIRE HATHAWAY INC-CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>084670702</cusip>
    <value>400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2238</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BGC PARTNERS INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>05541T101</cusip>
    <value>53</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>19500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BIOGEN INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09062X103</cusip>
    <value>710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2641</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACK KNIGHT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09215C105</cusip>
    <value>1538</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>30599</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56239</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55577</Sole>
      <Shared>0</Shared>
      <None>662</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09247X101</cusip>
    <value>2565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4714</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNI INCOME QUAL TR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>092479104</cusip>
    <value>26</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKROCK MUNI INCOME QUAL TR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>092479104</cusip>
    <value>132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIHOLDINGS NJ QUAL</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>09254X101</cusip>
    <value>345</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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  <infoTable>
    <nameOfIssuer>BLACKROCK MUNIYIELD NEW JERSEY</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>09254Y109</cusip>
    <value>361</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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  <infoTable>
    <nameOfIssuer>BLACKSTONE GROUP INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09260D107</cusip>
    <value>1756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>30780</Sole>
      <Shared>0</Shared>
      <None>204</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BLACKSTONE GROUP INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09260D107</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>097023105</cusip>
    <value>7307</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39865</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39195</Sole>
      <Shared>0</Shared>
      <None>670</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOEING CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>097023105</cusip>
    <value>1202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6558</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6558</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09857L108</cusip>
    <value>5807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3647</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3541</Sole>
      <Shared>0</Shared>
      <None>106</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>09857L108</cusip>
    <value>8</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Boston Pptys Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>101121101</cusip>
    <value>1604</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15753</Sole>
      <Shared>0</Shared>
      <None>1996</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>055622104</cusip>
    <value>156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6688</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6688</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BP PLC SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>055622104</cusip>
    <value>135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5774</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5774</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>110122108</cusip>
    <value>29525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>502133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>493733</Sole>
      <Shared>0</Shared>
      <None>8400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>110122108</cusip>
    <value>3701</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>62545</Sole>
      <Shared>0</Shared>
      <None>405</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQU - RIGHTS   3</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>110122157</cusip>
    <value>303</value>
    <shrsOrPrnAmt>
      <sshPrnamt>84722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>84144</Sole>
      <Shared>0</Shared>
      <None>578</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQU - RIGHTS   3</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>110122157</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22054</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21804</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>11135F101</cusip>
    <value>1029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2763</Sole>
      <Shared>0</Shared>
      <None>496</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>11135F101</cusip>
    <value>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Brookfield Asset Mgmt</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>112585104</cusip>
    <value>1172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>34478</Sole>
      <Shared>0</Shared>
      <None>1155</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4426</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>14448C104</cusip>
    <value>3574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>146148</Sole>
      <Shared>0</Shared>
      <None>14699</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>14448C104</cusip>
    <value>442</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19409</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>149123101</cusip>
    <value>4389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34694</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32533</Sole>
      <Shared>0</Shared>
      <None>2161</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CATERPILLAR INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>149123101</cusip>
    <value>998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7886</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7811</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CDK GLOBAL HOLDINGS LLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>12508E101</cusip>
    <value>152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3473</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CDK GLOBAL HOLDINGS LLC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>12508E101</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1857</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1857</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>808513105</cusip>
    <value>9745</value>
    <shrsOrPrnAmt>
      <sshPrnamt>288838</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>286575</Sole>
      <Shared>0</Shared>
      <None>2263</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARLES SCHWAB CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>808513105</cusip>
    <value>713</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21144</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT O</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>M22465104</cusip>
    <value>4038</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37586</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35632</Sole>
      <Shared>0</Shared>
      <None>1954</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>166764100</cusip>
    <value>27593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>309234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>305885</Sole>
      <Shared>0</Shared>
      <None>3349</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>166764100</cusip>
    <value>3321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37216</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>36796</Sole>
      <Shared>0</Shared>
      <None>420</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Chubb Corp</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>171232101</cusip>
    <value>2829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21520</Sole>
      <Shared>0</Shared>
      <None>825</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LTD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7252</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6473</Sole>
      <Shared>0</Shared>
      <None>779</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LTD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3565</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2693</Sole>
      <Shared>120</Shared>
      <None>752</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>171340102</cusip>
    <value>4378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56642</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55120</Sole>
      <Shared>0</Shared>
      <None>1522</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>171340102</cusip>
    <value>110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>880</Shared>
      <None>540</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CIGNA CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>125523100</cusip>
    <value>552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2374</Sole>
      <Shared>0</Shared>
      <None>570</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CIGNA CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>125523100</cusip>
    <value>167</value>
    <shrsOrPrnAmt>
      <sshPrnamt>888</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>767</Sole>
      <Shared>0</Shared>
      <None>121</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17275R102</cusip>
    <value>20056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>430010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>417395</Sole>
      <Shared>0</Shared>
      <None>12615</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>17275R102</cusip>
    <value>1828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39189</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>38289</Sole>
      <Shared>0</Shared>
      <None>900</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>172967424</cusip>
    <value>206</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2719</Sole>
      <Shared>43</Shared>
      <None>1266</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>172967424</cusip>
    <value>23</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>450</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CITIZENS FINANCIAL GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>174610105</cusip>
    <value>2308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91460</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>90343</Sole>
      <Shared>0</Shared>
      <None>1117</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CITIZENS FINANCIAL GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>174610105</cusip>
    <value>185</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7325</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CLOROX COMPANY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>189054109</cusip>
    <value>1159</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5281</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CLOROX COMPANY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>189054109</cusip>
    <value>132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>191216100</cusip>
    <value>4214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>88485</Sole>
      <Shared>0</Shared>
      <None>5820</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>191216100</cusip>
    <value>615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13767</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13767</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>194162103</cusip>
    <value>2601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35504</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35487</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COLGATE PALMOLIVE CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>194162103</cusip>
    <value>238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3250</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP-CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>20030N101</cusip>
    <value>4883</value>
    <shrsOrPrnAmt>
      <sshPrnamt>125269</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>117875</Sole>
      <Shared>0</Shared>
      <None>7394</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COMCAST CORP-CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>20030N101</cusip>
    <value>136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3494</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3494</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMERICA INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>200340107</cusip>
    <value>1262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32950</Sole>
      <Shared>0</Shared>
      <None>173</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COMERICA INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>200340107</cusip>
    <value>164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4313</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>20825C104</cusip>
    <value>678</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14564</Sole>
      <Shared>0</Shared>
      <None>1581</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONOCOPHILLIPS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>20825C104</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2078</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2078</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>209115104</cusip>
    <value>750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10428</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10372</Sole>
      <Shared>0</Shared>
      <None>56</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONSOLIDATED EDISON INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>209115104</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>21036P108</cusip>
    <value>1136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6496</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSTELLATION BRANDS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>21036P108</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>640</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>640</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSUMER DISCRETIONARY SELT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>5495</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43025</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39804</Sole>
      <Shared>0</Shared>
      <None>380</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CONSUMER STAPLES SELECT SECTOR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>219350105</cusip>
    <value>264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9300</Sole>
      <Shared>0</Shared>
      <None>900</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORNING INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>219350105</cusip>
    <value>1390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>53670</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>22052L104</cusip>
    <value>1160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43284</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39698</Sole>
      <Shared>0</Shared>
      <None>3586</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CORTEVA INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>22052L104</cusip>
    <value>158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5838</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>24737</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>80256</Sole>
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      <None>1327</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COSTCO WHOLESALE CORP NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>22160K105</cusip>
    <value>3790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11448</Sole>
      <Shared>350</Shared>
      <None>700</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Crown Castle Int'l Corp</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>228227104</cusip>
    <value>3426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20471</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18205</Sole>
      <Shared>0</Shared>
      <None>2266</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INTL CORP REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>22822V101</cusip>
    <value>2505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CROWN CASTLE INTL CORP REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>22822V101</cusip>
    <value>408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>126408103</cusip>
    <value>252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3103</Sole>
      <Shared>0</Shared>
      <None>505</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CSX CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>126408103</cusip>
    <value>1310</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18785</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>18785</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>231021106</cusip>
    <value>7377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>41555</Sole>
      <Shared>0</Shared>
      <None>1020</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CUMMINS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>231021106</cusip>
    <value>1002</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5633</Sole>
      <Shared>89</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>126650100</cusip>
    <value>12191</value>
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      <sshPrnamt>187647</sshPrnamt>
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    <votingAuthority>
      <Sole>184022</Sole>
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      <None>3625</None>
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    <nameOfIssuer>CVS HEALTH CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>126650100</cusip>
    <value>817</value>
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      <sshPrnamt>12574</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12574</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DANAHER CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>235851102</cusip>
    <value>10565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59745</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>59077</Sole>
      <Shared>0</Shared>
      <None>668</None>
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  <infoTable>
    <nameOfIssuer>DANAHER CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>235851102</cusip>
    <value>2072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11718</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11318</Sole>
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      <None>400</None>
    </votingAuthority>
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    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>244199105</cusip>
    <value>1119</value>
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      <sshPrnamt>7123</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6605</Sole>
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      <None>518</None>
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  <infoTable>
    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>244199105</cusip>
    <value>55</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DEVON ENERGY CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25179M103</cusip>
    <value>788</value>
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      <sshPrnamt>69522</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>69522</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DEVON ENERGY CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25179M103</cusip>
    <value>142</value>
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      <sshPrnamt>12525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12525</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Digital Realty Trust Inc</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>253868103</cusip>
    <value>2602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18307</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15634</Sole>
      <Shared>0</Shared>
      <None>2673</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>254687106</cusip>
    <value>23501</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>209341</Sole>
      <Shared>0</Shared>
      <None>1417</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DISNEY WALT CO NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>254687106</cusip>
    <value>3444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30881</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30181</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOLLAR GENERAL CORP</nameOfIssuer>
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    <cusip>256677105</cusip>
    <value>10943</value>
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      <sshPrnamt>57440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55650</Sole>
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      <None>1790</None>
    </votingAuthority>
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    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25746U109</cusip>
    <value>7713</value>
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      <sshPrnamt>95007</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>94463</Sole>
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      <None>544</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>25746U109</cusip>
    <value>1446</value>
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      <sshPrnamt>17812</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>17812</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DOVER CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260003108</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>5489</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5105</Sole>
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      <None>384</None>
    </votingAuthority>
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    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260557103</cusip>
    <value>3489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85609</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>82837</Sole>
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      <None>2772</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>260557103</cusip>
    <value>377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9184</Sole>
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      <None>64</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26441C204</cusip>
    <value>1337</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16737</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16426</Sole>
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      <None>311</None>
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  <infoTable>
    <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26441C204</cusip>
    <value>394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4931</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4931</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUNKIN BRANDS GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>265504100</cusip>
    <value>336</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5150</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26614N102</cusip>
    <value>3796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71448</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>68167</Sole>
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      <None>3281</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26614N102</cusip>
    <value>475</value>
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      <sshPrnamt>8944</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8880</Sole>
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      <None>64</None>
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    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G29183103</cusip>
    <value>433</value>
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      <sshPrnamt>4944</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2986</Sole>
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      <None>1958</None>
    </votingAuthority>
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    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278865100</cusip>
    <value>4462</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22428</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21866</Sole>
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      <None>562</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>278865100</cusip>
    <value>41</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>206</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>28176E108</cusip>
    <value>456</value>
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      <sshPrnamt>6603</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6462</Sole>
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      <None>141</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>285512109</cusip>
    <value>431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3262</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2892</Sole>
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      <None>370</None>
    </votingAuthority>
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    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>291011104</cusip>
    <value>3633</value>
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      <sshPrnamt>58564</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>57764</Sole>
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      <None>800</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>291011104</cusip>
    <value>462</value>
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      <sshPrnamt>7454</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7454</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ENERGY SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>747</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19725</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>ENERGY SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>23</value>
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      <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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    <cusip>293792107</cusip>
    <value>431</value>
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      <sshPrnamt>23729</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>22660</Sole>
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      <None>1069</None>
    </votingAuthority>
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    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26875P101</cusip>
    <value>311</value>
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      <sshPrnamt>6137</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5877</Sole>
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      <None>260</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>26875P101</cusip>
    <value>103</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2026</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EQUIFAX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>294429105</cusip>
    <value>315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1830</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
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      <None>130</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EQUIFAX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>294429105</cusip>
    <value>112</value>
    <shrsOrPrnAmt>
      <sshPrnamt>650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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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>OTHER</titleOfClass>
    <cusip>297178105</cusip>
    <value>2128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9287</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8012</Sole>
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      <None>1275</None>
    </votingAuthority>
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    <nameOfIssuer>Extra Space Storage Inc</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>30225T102</cusip>
    <value>1601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15202</Sole>
      <Shared>0</Shared>
      <None>2135</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30231G102</cusip>
    <value>27611</value>
    <shrsOrPrnAmt>
      <sshPrnamt>617424</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>590009</Sole>
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      <None>27415</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30231G102</cusip>
    <value>3010</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>67174</Sole>
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      <None>131</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FACEBOOK INC-A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30303M102</cusip>
    <value>13535</value>
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      <sshPrnamt>59607</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>54089</Sole>
      <Shared>0</Shared>
      <None>5518</None>
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    <nameOfIssuer>FACEBOOK INC-A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>30303M102</cusip>
    <value>783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3448</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FASTENAL CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>311900104</cusip>
    <value>3242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>75648</Sole>
      <Shared>0</Shared>
      <None>27</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FASTENAL CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>311900104</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Federal Realty Invst Tr</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>313747206</cusip>
    <value>1410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14401</Sole>
      <Shared>0</Shared>
      <None>2150</None>
    </votingAuthority>
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    <nameOfIssuer>FEDEX CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31428X106</cusip>
    <value>4507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>31743</Sole>
      <Shared>0</Shared>
      <None>397</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FEDEX CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31428X106</cusip>
    <value>785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5596</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5596</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>2891</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124959</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>107594</Sole>
      <Shared>0</Shared>
      <None>3132</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>4</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>First Industrial Realty Trust</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>32054K103</cusip>
    <value>1898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49363</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43232</Sole>
      <Shared>0</Shared>
      <None>6131</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST REPUBLIC BANK</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>33616C100</cusip>
    <value>5240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>47995</Sole>
      <Shared>0</Shared>
      <None>1440</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST REPUBLIC BANK</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>33616C100</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2420</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST TRUST LARGE CAP CORE A</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>33734K109</cusip>
    <value>435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7301</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>FISERV INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>337738108</cusip>
    <value>626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5600</Sole>
      <Shared>0</Shared>
      <None>808</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FNF GROUP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>31620R303</cusip>
    <value>2124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>69276</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>69124</Sole>
      <Shared>0</Shared>
      <None>152</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORD MOTOR CO DEL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>345370860</cusip>
    <value>536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>87101</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORD MOTOR CO DEL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>345370860</cusip>
    <value>123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>34959J108</cusip>
    <value>580</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8125</Sole>
      <Shared>0</Shared>
      <None>454</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>34959J108</cusip>
    <value>259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3821</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3821</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GABELLI EQUITY TR INC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>362397101</cusip>
    <value>68</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13449</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>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369550108</cusip>
    <value>14413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96431</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>95588</Sole>
      <Shared>0</Shared>
      <None>843</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369550108</cusip>
    <value>169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1130</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369604103</cusip>
    <value>572</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83715</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>77715</Sole>
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      <None>6000</None>
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  <infoTable>
    <nameOfIssuer>GENERAL ELECTRIC CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>369604103</cusip>
    <value>354</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51779</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>51779</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>370334104</cusip>
    <value>3127</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50728</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>49922</Sole>
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      <None>806</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL MLS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>370334104</cusip>
    <value>681</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>10200</Sole>
      <Shared>660</Shared>
      <None>180</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>372460105</cusip>
    <value>6145</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>69901</Sole>
      <Shared>0</Shared>
      <None>761</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENUINE PARTS CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>372460105</cusip>
    <value>295</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3390</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Gilead Science  Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>375558103</cusip>
    <value>831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10801</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10731</Sole>
      <Shared>0</Shared>
      <None>70</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLAXO SMITHKLINE SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>37733W105</cusip>
    <value>470</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10635</Sole>
      <Shared>0</Shared>
      <None>885</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GLAXO SMITHKLINE SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>37733W105</cusip>
    <value>244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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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>32</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>38141G104</cusip>
    <value>929</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4475</Sole>
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      <None>227</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>38141G104</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1295</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>HALOZYME THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>40637H109</cusip>
    <value>134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HALOZYME THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>40637H109</cusip>
    <value>107</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1585</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15837</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>264</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2638</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>HEALTHCARE TRUST OF AMER CL A</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>42225P501</cusip>
    <value>2282</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>51785</Sole>
      <Shared>0</Shared>
      <None>6014</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>HEALTHCARE TRUST OF AMER CL A</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>42225P501</cusip>
    <value>50</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>437076102</cusip>
    <value>35049</value>
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      <sshPrnamt>139909</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>136870</Sole>
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      <None>3039</None>
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  <infoTable>
    <nameOfIssuer>HOME DEPOT INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>437076102</cusip>
    <value>3579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14285</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13285</Sole>
      <Shared>0</Shared>
      <None>1000</None>
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    <nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>438516106</cusip>
    <value>7444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51481</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>48240</Sole>
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      <None>3241</None>
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    <nameOfIssuer>HONEYWELL INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>438516106</cusip>
    <value>1851</value>
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      <sshPrnamt>12799</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12798</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>163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18046</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11152</Sole>
      <Shared>4114</Shared>
      <None>2780</None>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452308109</cusip>
    <value>2744</value>
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      <sshPrnamt>15692</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>15033</Sole>
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      <None>659</None>
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  <infoTable>
    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>452308109</cusip>
    <value>720</value>
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      <sshPrnamt>4115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3615</Sole>
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      <None>500</None>
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    <nameOfIssuer>INDUSTRIAL SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9446</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>9</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>394</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>35440</Sole>
      <Shared>0</Shared>
      <None>5309</None>
    </votingAuthority>
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    <nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>45687V106</cusip>
    <value>2283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>81184</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INGERSOLL-RAND INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>45687V106</cusip>
    <value>134</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4783</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4783</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>24439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>408467</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>404810</Sole>
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      <None>3657</None>
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  <infoTable>
    <nameOfIssuer>INTEL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>458140100</cusip>
    <value>2750</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45965</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>45075</Sole>
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      <None>0</None>
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    <nameOfIssuer>INTERCONTINENTAL EXCHANGE</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>45866F104</cusip>
    <value>3120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34063</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32428</Sole>
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      <None>1635</None>
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  <infoTable>
    <nameOfIssuer>INTERCONTINENTAL EXCHANGE</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>45866F104</cusip>
    <value>24</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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  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>460146103</cusip>
    <value>8463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>240360</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>237640</Sole>
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      <None>2720</None>
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  <infoTable>
    <nameOfIssuer>INTERNATIONAL PAPER CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>460146103</cusip>
    <value>439</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12472</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>12472</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP OF COMPANIES</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>460690100</cusip>
    <value>3519</value>
    <shrsOrPrnAmt>
      <sshPrnamt>205064</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>202303</Sole>
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      <None>2761</None>
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  <infoTable>
    <nameOfIssuer>INTERPUBLIC GROUP OF COMPANIES</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>460690100</cusip>
    <value>352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20525</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>459200101</cusip>
    <value>7828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64815</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>63604</Sole>
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      <None>1083</None>
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  <infoTable>
    <nameOfIssuer>INTL. BUSINESS MACHINES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>459200101</cusip>
    <value>1162</value>
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      <sshPrnamt>9623</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>9273</Sole>
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      <None>350</None>
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    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46120E602</cusip>
    <value>321</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
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      <None>214</None>
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  <infoTable>
    <nameOfIssuer>INTUITIVE SURGICAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46120E602</cusip>
    <value>51</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>90</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Invesco QQQ Tr Unit Ser 1</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>73935A104</cusip>
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      <sshPrnamt>1239</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1239</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TRUST SERIES 1</nameOfIssuer>
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    <cusip>46090E103</cusip>
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      <sshPrnamt>345792</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>INVESCO QQQ TRUST SERIES 1</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46090E103</cusip>
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      <sshPrnamt>13388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>INVESCO S&amp;P 500 EQUAL WEIGHT E</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46137V357</cusip>
    <value>8716</value>
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      <sshPrnamt>85655</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>INVESCO S&amp;P 500 EQUAL WEIGHT E</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46137V357</cusip>
    <value>382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>Iron Mountain</nameOfIssuer>
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    <cusip>46284V101</cusip>
    <value>1560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>55010</Sole>
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      <None>4755</None>
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    <nameOfIssuer>ISHARES BARCLAYS 1-3 YEAR TR E</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287457</cusip>
    <value>270</value>
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      <sshPrnamt>3113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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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>ISHARES BARCLAYS TIPS BOND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287176</cusip>
    <value>163</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>88</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ISHARES CORE MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46432F842</cusip>
    <value>255</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4447</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2040</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE MSCI EAFE ETF</nameOfIssuer>
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    <cusip>46432F842</cusip>
    <value>81</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>i-Shares Core MSCI EM</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46434G103</cusip>
    <value>6043</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>118986</Sole>
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      <None>7973</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287200</cusip>
    <value>3588</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11587</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>883</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>33</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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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>1072</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6026</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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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>59</value>
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      <sshPrnamt>330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287804</cusip>
    <value>2536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37123</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P SMALL-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287804</cusip>
    <value>34</value>
    <shrsOrPrnAmt>
      <sshPrnamt>496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE U.S. AGGREGATE BO</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287226</cusip>
    <value>420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3546</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>293</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE U.S. AGGREGATE BO</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287226</cusip>
    <value>52</value>
    <shrsOrPrnAmt>
      <sshPrnamt>443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DJ SELECT DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287168</cusip>
    <value>1952</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>520</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DJ SELECT DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287168</cusip>
    <value>136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1690</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DJ US TECHNOLOGY SEC E</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287721</cusip>
    <value>270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES EDGE MSCI MIN VOL USA</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46429B697</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX INV GRD CORP BON</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287242</cusip>
    <value>135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBOXX INV GRD CORP BON</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287242</cusip>
    <value>66</value>
    <shrsOrPrnAmt>
      <sshPrnamt>491</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</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>302</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287465</cusip>
    <value>3393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11038</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287465</cusip>
    <value>79</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1292</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>362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING MKT ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287234</cusip>
    <value>1402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35071</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7653</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES MSCI EMERGING MKT ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287234</cusip>
    <value>164</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>298</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>4834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>120</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES NASDAQ BIOTECH ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287556</cusip>
    <value>1605</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11745</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>1366</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>3736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107843</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>234</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>1080</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>73</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>2828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2648</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ET</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287614</cusip>
    <value>520</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>1305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6158</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287598</cusip>
    <value>235</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>1506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10520</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6211</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL 3000 ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287689</cusip>
    <value>252</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>2196</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40967</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>32</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>3070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP GRWTH E</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464287481</cusip>
    <value>2020</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>1949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25468</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>1355</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>8397</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40469</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>1657</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7988</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>9707</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89702</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>
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      <None>0</None>
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    <nameOfIssuer>ISHARES S&amp;P SMALLCAP 600/VAL E</nameOfIssuer>
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    <cusip>464287879</cusip>
    <value>568</value>
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      <sshPrnamt>4724</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES S&amp;P SMALLCAP/600 GROWT</nameOfIssuer>
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    <cusip>464287887</cusip>
    <value>554</value>
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      <sshPrnamt>3262</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES SHORT-TERM CORPORATE B</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464288646</cusip>
    <value>873</value>
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      <sshPrnamt>15956</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>ISHARES SHORT-TERM CORPORATE B</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>464288646</cusip>
    <value>13</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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    <nameOfIssuer>i-Shares Trust Russell 2000 Value</nameOfIssuer>
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    <cusip>464287630</cusip>
    <value>755</value>
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      <sshPrnamt>7742</sshPrnamt>
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    <votingAuthority>
      <Sole>7742</Sole>
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      <None>0</None>
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    <nameOfIssuer>ITAU UNIBANCO HOLDING SPONS AD</nameOfIssuer>
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    <cusip>465562106</cusip>
    <value>70</value>
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      <sshPrnamt>14848</sshPrnamt>
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      <Sole>0</Sole>
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      <None>14848</None>
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    <nameOfIssuer>JM SMUCKER CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>832696405</cusip>
    <value>436</value>
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      <sshPrnamt>4122</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3323</Sole>
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      <None>799</None>
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  <infoTable>
    <nameOfIssuer>JM SMUCKER CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>832696405</cusip>
    <value>138</value>
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      <sshPrnamt>1300</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
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      <None>0</None>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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    <cusip>478160104</cusip>
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      <sshPrnamt>327087</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>320922</Sole>
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      <None>6165</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>478160104</cusip>
    <value>4921</value>
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      <sshPrnamt>34994</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>34594</Sole>
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      <None>400</None>
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    <nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46625H100</cusip>
    <value>38741</value>
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      <sshPrnamt>411881</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>401994</Sole>
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      <None>9887</None>
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  <infoTable>
    <nameOfIssuer>JP MORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>46625H100</cusip>
    <value>4538</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>47249</Sole>
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      <None>1000</None>
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    <nameOfIssuer>JPMORGAN ULTRA-SHORT INCOME ET</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46641Q837</cusip>
    <value>5190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102305</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17540</Sole>
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      <None>2960</None>
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    <nameOfIssuer>JPMORGAN ULTRA-SHORT INCOME ET</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>46641Q837</cusip>
    <value>3663</value>
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      <sshPrnamt>72205</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>KANSAS CITY SOUTHERN</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>485170302</cusip>
    <value>393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2400</Sole>
      <Shared>0</Shared>
      <None>233</None>
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  <infoTable>
    <nameOfIssuer>KANSAS CITY SOUTHERN</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>485170302</cusip>
    <value>75</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KELLOGG CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>487836108</cusip>
    <value>393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5944</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5930</Sole>
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      <None>14</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KEYCORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>493267108</cusip>
    <value>2339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192034</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>188315</Sole>
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      <None>3719</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KEYCORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>493267108</cusip>
    <value>372</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30529</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30529</Sole>
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      <None>0</None>
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    <nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>494368103</cusip>
    <value>1088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7696</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7147</Sole>
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      <None>549</None>
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  <infoTable>
    <nameOfIssuer>KIMBERLY CLARK CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>494368103</cusip>
    <value>261</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
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      <None>346</None>
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    <nameOfIssuer>KKR REAL ESTATE FINANCE TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>48251K100</cusip>
    <value>665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40136</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>KROGER CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>501044101</cusip>
    <value>435</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12845</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7142</Sole>
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      <None>5703</None>
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    <nameOfIssuer>L3 HARRIS TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>502431109</cusip>
    <value>2541</value>
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      <sshPrnamt>14978</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14405</Sole>
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      <None>573</None>
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  <infoTable>
    <nameOfIssuer>L3 HARRIS TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>502431109</cusip>
    <value>424</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2500</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>LABORATORY CORP AMERICA HOLDIN</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>50540R409</cusip>
    <value>15601</value>
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      <sshPrnamt>93917</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>93513</Sole>
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      <None>404</None>
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  <infoTable>
    <nameOfIssuer>LABORATORY CORP AMERICA HOLDIN</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>50540R409</cusip>
    <value>688</value>
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      <sshPrnamt>4144</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4144</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>LAUDER ESTEE COS CL-A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>518439104</cusip>
    <value>3090</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16161</Sole>
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      <None>217</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS CL-A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>518439104</cusip>
    <value>143</value>
    <shrsOrPrnAmt>
      <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>278</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>
    </votingAuthority>
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    <nameOfIssuer>LAZARD LTD CL A</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G54050102</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>200</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>532457108</cusip>
    <value>10794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>62852</Sole>
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      <None>2892</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LILLY ELI &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>532457108</cusip>
    <value>1326</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G5494J103</cusip>
    <value>2046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9645</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8760</Sole>
      <Shared>0</Shared>
      <None>885</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G5494J103</cusip>
    <value>187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>881</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>539830109</cusip>
    <value>622</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1702</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1390</Sole>
      <Shared>0</Shared>
      <None>312</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>539830109</cusip>
    <value>18</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>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Loral Space &amp; Communications Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>543881106</cusip>
    <value>271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13885</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13885</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>548661107</cusip>
    <value>16574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122662</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>120751</Sole>
      <Shared>0</Shared>
      <None>1911</None>
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    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>548661107</cusip>
    <value>1895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14028</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14028</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>M &amp; T BANK CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>55261F104</cusip>
    <value>674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6486</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6486</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MAGELLAN MIDSTREAM PARTNERS LP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>559080106</cusip>
    <value>294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6805</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6309</Sole>
      <Shared>0</Shared>
      <None>496</None>
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    <nameOfIssuer>MARATHON PETROLEUM CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>56585A102</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1933</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1100</Sole>
      <Shared>0</Shared>
      <None>833</None>
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  <infoTable>
    <nameOfIssuer>MARATHON PETROLEUM CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>56585A102</cusip>
    <value>272</value>
    <shrsOrPrnAmt>
      <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>191</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2226</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1586</Sole>
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      <None>640</None>
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  <infoTable>
    <nameOfIssuer>MARRIOTT INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>571903202</cusip>
    <value>56</value>
    <shrsOrPrnAmt>
      <sshPrnamt>653</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>653</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>571748102</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1929</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1929</None>
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    <nameOfIssuer>MARTIN MARIETTA MATLS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>573284106</cusip>
    <value>4451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21547</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>21252</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>522</value>
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      <sshPrnamt>2525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2525</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MASTERCARD INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3209</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1196</Sole>
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      <None>2013</None>
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    <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>579780206</cusip>
    <value>1342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7482</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7142</Sole>
      <Shared>0</Shared>
      <None>340</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>579780206</cusip>
    <value>1334</value>
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      <sshPrnamt>7435</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7435</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>580135101</cusip>
    <value>17607</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95447</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>94167</Sole>
      <Shared>0</Shared>
      <None>1280</None>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>580135101</cusip>
    <value>3093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16767</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>16767</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>4466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48707</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>45270</Sole>
      <Shared>0</Shared>
      <None>3437</None>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1443</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1443</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>58933Y105</cusip>
    <value>40256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>520578</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>515643</Sole>
      <Shared>0</Shared>
      <None>4935</None>
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  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>58933Y105</cusip>
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      <sshPrnamt>63588</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>63408</Sole>
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      <None>180</None>
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    <nameOfIssuer>Merck &amp; Co Inc New</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>589331107</cusip>
    <value>1452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18771</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18096</Sole>
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      <None>675</None>
    </votingAuthority>
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    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>59156R108</cusip>
    <value>924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>24529</Sole>
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      <None>775</None>
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  <infoTable>
    <nameOfIssuer>METLIFE INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>59156R108</cusip>
    <value>323</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8845</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MGM GROWTH PROPERTIES LLC REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>55303A105</cusip>
    <value>844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31023</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MGM GROWTH PROPERTIES LLC REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>55303A105</cusip>
    <value>98</value>
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      <sshPrnamt>3600</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>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>595017104</cusip>
    <value>1091</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10357</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9191</Sole>
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      <None>1166</None>
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  <infoTable>
    <nameOfIssuer>MICROCHIP TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>595017104</cusip>
    <value>78</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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    <nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>595112103</cusip>
    <value>350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6801</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5600</Sole>
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      <None>1201</None>
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    <nameOfIssuer>MICRON TECHNOLOGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>595112103</cusip>
    <value>39</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>594918104</cusip>
    <value>58850</value>
    <shrsOrPrnAmt>
      <sshPrnamt>289179</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>276427</Sole>
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      <None>12752</None>
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    <nameOfIssuer>MICROSOFT CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>594918104</cusip>
    <value>4846</value>
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      <sshPrnamt>23814</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23814</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Mid American Apartment Communities Inc</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>59522J103</cusip>
    <value>2224</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19398</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17291</Sole>
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      <None>2107</None>
    </votingAuthority>
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    <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>609207105</cusip>
    <value>875</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17108</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16360</Sole>
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      <None>748</None>
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  <infoTable>
    <nameOfIssuer>MONDELEZ INTERNATIONAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>609207105</cusip>
    <value>134</value>
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      <sshPrnamt>2622</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2622</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MONSTER BEVERAGE CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>61174X109</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2961</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2961</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>617446448</cusip>
    <value>6744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>139632</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>137850</Sole>
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      <None>1782</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>617446448</cusip>
    <value>46</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>350</Sole>
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      <None>600</None>
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    <nameOfIssuer>NASDAQ INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>631103108</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1971</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1971</None>
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  <infoTable>
    <nameOfIssuer>NATIONAL BEVERAGE CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>635017106</cusip>
    <value>3661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>60000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Nestle S A ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>641069406</cusip>
    <value>4166</value>
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      <sshPrnamt>37686</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>37266</Sole>
      <Shared>0</Shared>
      <None>420</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NETFLIX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>64110L106</cusip>
    <value>497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1092</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>704</Sole>
      <Shared>0</Shared>
      <None>388</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NEW JERSEY RESOURCES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>646025106</cusip>
    <value>431</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>13201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEW JERSEY RESOURCES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>646025106</cusip>
    <value>46</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEWMARK GROUP INC CL A</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65158N102</cusip>
    <value>98</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <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>19661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>80531</Sole>
      <Shared>0</Shared>
      <None>1332</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NEXTERA ENERGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>65339F101</cusip>
    <value>1258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654106103</cusip>
    <value>6364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>62295</Sole>
      <Shared>0</Shared>
      <None>2605</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NIKE INC-CLASS B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>654106103</cusip>
    <value>267</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2721</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2721</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>655844108</cusip>
    <value>514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2932</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2651</Sole>
      <Shared>0</Shared>
      <None>281</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORFOLK SOUTHERN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>655844108</cusip>
    <value>456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>665859104</cusip>
    <value>238</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHERN TR CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>665859104</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1275</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1275</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>666807102</cusip>
    <value>229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>746</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>611</Sole>
      <Shared>0</Shared>
      <None>135</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NORTHROP GRUMMAN CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>666807102</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>50</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>66987V109</cusip>
    <value>8384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>95991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>91151</Sole>
      <Shared>876</Shared>
      <None>3964</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVARTIS AG SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>66987V109</cusip>
    <value>366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4195</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4195</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NOVO NORDISK AS SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>670100205</cusip>
    <value>225</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3439</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3135</Sole>
      <Shared>0</Shared>
      <None>304</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NRG ENERGY INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>629377508</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6501</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>6501</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>670346105</cusip>
    <value>3096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>74034</Sole>
      <Shared>0</Shared>
      <None>737</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>670346105</cusip>
    <value>356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN NEW JERSEY QUALITY MUNI</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67069Y102</cusip>
    <value>71</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NUVEEN NEW JERSEY QUALITY MUNI</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>67069Y102</cusip>
    <value>140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>NVIDIA CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>67066G104</cusip>
    <value>1376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3621</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3100</Sole>
      <Shared>0</Shared>
      <None>521</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>670837103</cusip>
    <value>291</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9600</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68389X105</cusip>
    <value>16817</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>299544</Sole>
      <Shared>0</Shared>
      <None>4715</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68389X105</cusip>
    <value>426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>7716</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68902V107</cusip>
    <value>4549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80003</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>72765</Sole>
      <Shared>0</Shared>
      <None>7238</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68902V107</cusip>
    <value>566</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>9696</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PACKAGING CORP OF AMERICA</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>695156109</cusip>
    <value>14066</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140945</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>140938</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PARTY CITY HOLDCO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>702149105</cusip>
    <value>15</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>704326107</cusip>
    <value>400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5005</Sole>
      <Shared>0</Shared>
      <None>275</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYCHEX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>704326107</cusip>
    <value>5</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>63</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>44669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>256378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>251373</Sole>
      <Shared>0</Shared>
      <None>5005</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PAYPAL HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>70450Y103</cusip>
    <value>2292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13157</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEAPACK-GLADSTONE FINL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>704699107</cusip>
    <value>11351</value>
    <shrsOrPrnAmt>
      <sshPrnamt>606050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>321103</Sole>
      <Shared>0</Shared>
      <None>284947</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEAPACK-GLADSTONE FINL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>704699107</cusip>
    <value>3575</value>
    <shrsOrPrnAmt>
      <sshPrnamt>190869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>177032</Sole>
      <Shared>0</Shared>
      <None>13837</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>713448108</cusip>
    <value>41298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>312249</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>307223</Sole>
      <Shared>0</Shared>
      <None>5026</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PEPSICO INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>713448108</cusip>
    <value>4828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>34005</Sole>
      <Shared>0</Shared>
      <None>2500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PERFORMANCE FOOD GROUP CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>71377A103</cusip>
    <value>251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>717081103</cusip>
    <value>8074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>246938</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>228696</Sole>
      <Shared>0</Shared>
      <None>18242</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PFIZER INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718172109</cusip>
    <value>4807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>68606</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>66869</Sole>
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      <None>1737</None>
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    <nameOfIssuer>PHILIP MORRIS INTERNATIONAL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>718172109</cusip>
    <value>294</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>4135</Sole>
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      <None>65</None>
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    <nameOfIssuer>PIMCO 0-5 YEAR H/Y CORP BD IND</nameOfIssuer>
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    <cusip>72201R783</cusip>
    <value>2207</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
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    <cusip>693475105</cusip>
    <value>18586</value>
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      <sshPrnamt>176658</sshPrnamt>
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    <votingAuthority>
      <Sole>174132</Sole>
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      <None>2526</None>
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    <nameOfIssuer>PNC FINANCIAL SERVICES GROUP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693475105</cusip>
    <value>921</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>8755</Sole>
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      <None>0</None>
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    <nameOfIssuer>PPG INDUSTRIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693506107</cusip>
    <value>277</value>
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      <sshPrnamt>2609</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2405</Sole>
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      <None>204</None>
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    <nameOfIssuer>PPG INDUSTRIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>693506107</cusip>
    <value>212</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2000</Sole>
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      <None>0</None>
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    <nameOfIssuer>PPL CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>69351T106</cusip>
    <value>647</value>
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      <sshPrnamt>25030</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25008</Sole>
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      <None>22</None>
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    <nameOfIssuer>PPL CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>69351T106</cusip>
    <value>45</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1740</Sole>
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      <None>0</None>
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    <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
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    <cusip>742718109</cusip>
    <value>29867</value>
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      <sshPrnamt>249782</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>246929</Sole>
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      <None>2853</None>
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    <nameOfIssuer>PROCTER &amp; GAMBLE CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>742718109</cusip>
    <value>5227</value>
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      <sshPrnamt>43714</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>41514</Sole>
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      <None>1840</None>
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    <nameOfIssuer>ProLogis Trust</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74340W103</cusip>
    <value>2496</value>
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      <sshPrnamt>26748</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23681</Sole>
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      <None>3067</None>
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    <nameOfIssuer>PTC INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>69370C100</cusip>
    <value>424</value>
    <shrsOrPrnAmt>
      <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>266</value>
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      <sshPrnamt>3420</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3420</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROU</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>744573106</cusip>
    <value>5690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115744</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>112726</Sole>
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      <None>3018</None>
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  <infoTable>
    <nameOfIssuer>PUBLIC SERVICE ENTERPRISE GROU</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>744573106</cusip>
    <value>695</value>
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      <sshPrnamt>14138</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>14138</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PUBLIC STORAGE INC REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>74460D109</cusip>
    <value>270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1409</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>19</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</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>QTS Realty Trust Inc</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>74736A103</cusip>
    <value>1375</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18655</Sole>
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      <None>2800</None>
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    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
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    <cusip>747525103</cusip>
    <value>8800</value>
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      <sshPrnamt>96477</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>95598</Sole>
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      <None>879</None>
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  <infoTable>
    <nameOfIssuer>QUALCOMM INC</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>21726</Sole>
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      <None>1000</None>
    </votingAuthority>
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    <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74834L100</cusip>
    <value>300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2630</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2150</Sole>
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      <None>480</None>
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  <infoTable>
    <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74834L100</cusip>
    <value>695</value>
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      <sshPrnamt>6100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5900</Sole>
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      <None>200</None>
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  <infoTable>
    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>75513E101</cusip>
    <value>12345</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>184613</Sole>
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      <None>15734</None>
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    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>75513E101</cusip>
    <value>1428</value>
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      <sshPrnamt>23179</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22679</Sole>
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      <None>500</None>
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    <nameOfIssuer>REALTY INCOME CORP REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>756109104</cusip>
    <value>3050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51263</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32366</Sole>
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      <None>4742</None>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>75886F107</cusip>
    <value>857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1374</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>998</Sole>
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      <None>376</None>
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    <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>773903109</cusip>
    <value>7013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32926</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32801</Sole>
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      <None>125</None>
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    <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>778296103</cusip>
    <value>248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2909</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>990</Sole>
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      <None>1919</None>
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    <nameOfIssuer>ROYAL DUTCH SHELL PLC SPONS AD</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259107</cusip>
    <value>307</value>
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      <sshPrnamt>10089</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8209</Sole>
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      <None>1880</None>
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    <nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259206</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6282</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5744</Sole>
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      <None>538</None>
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  <infoTable>
    <nameOfIssuer>ROYAL DUTCH SHELL SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>780259206</cusip>
    <value>81</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2482</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2482</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>S B A Communications</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78410G104</cusip>
    <value>1393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4675</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4055</Sole>
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      <None>620</None>
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    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78409V104</cusip>
    <value>1251</value>
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      <sshPrnamt>3796</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3496</Sole>
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      <None>300</None>
    </votingAuthority>
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    <nameOfIssuer>SALESFORCE.COM</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>79466L302</cusip>
    <value>2587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13808</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11086</Sole>
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      <None>2722</None>
    </votingAuthority>
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    <nameOfIssuer>SANOFI SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>80105N105</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4567</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2328</Sole>
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      <None>2239</None>
    </votingAuthority>
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    <nameOfIssuer>SAP SE SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>803054204</cusip>
    <value>503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3591</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1111</Sole>
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      <None>2480</None>
    </votingAuthority>
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    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>806857108</cusip>
    <value>1039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>54636</Sole>
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      <None>1864</None>
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  <infoTable>
    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>806857108</cusip>
    <value>186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>9126</Sole>
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    <nameOfIssuer>Schwab International</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>808524805</cusip>
    <value>9769</value>
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      <sshPrnamt>328373</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>303058</Sole>
      <Shared>0</Shared>
      <None>25315</None>
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  <infoTable>
    <nameOfIssuer>Schwab US Large Cap EtTF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>808524201</cusip>
    <value>305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4115</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4115</Sole>
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      <None>0</None>
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    <nameOfIssuer>SCHWAB US LARGE CAP VALUE</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>808524409</cusip>
    <value>428</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8533</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>SCOTTS MIRACLE-GRO COMPANY CL</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>810186106</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1850</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>816300107</cusip>
    <value>580</value>
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      <sshPrnamt>11000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11000</Sole>
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      <None>0</None>
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    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>81762P102</cusip>
    <value>829</value>
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      <sshPrnamt>2046</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1355</Sole>
      <Shared>0</Shared>
      <None>691</None>
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    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
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    <cusip>824348106</cusip>
    <value>366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>633</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>453</Sole>
      <Shared>0</Shared>
      <None>180</None>
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    <nameOfIssuer>SIMON PROPERTY GROUP INC REIT</nameOfIssuer>
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    <cusip>828806109</cusip>
    <value>1432</value>
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      <sshPrnamt>20935</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SIMON PROPERTY GROUP INC REIT</nameOfIssuer>
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    <cusip>828806109</cusip>
    <value>64</value>
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      <sshPrnamt>941</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>83088M102</cusip>
    <value>1212</value>
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      <sshPrnamt>9483</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9483</Sole>
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      <None>0</None>
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    <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>842587107</cusip>
    <value>898</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17332</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16186</Sole>
      <Shared>0</Shared>
      <None>1146</None>
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  <infoTable>
    <nameOfIssuer>SOUTHERN COMPANY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>842587107</cusip>
    <value>356</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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    <nameOfIssuer>SPDR BLOOMBERG BARCLAYS S/T BD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78468R408</cusip>
    <value>549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21777</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>SPDR BLOOMBERG BARCLAYS S/T BD</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78468R408</cusip>
    <value>33</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>
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    <nameOfIssuer>SPDR DJIA TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78467X109</cusip>
    <value>242</value>
    <shrsOrPrnAmt>
      <sshPrnamt>940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78463V107</cusip>
    <value>525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3135</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>890</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78463V107</cusip>
    <value>41</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242</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>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78462F103</cusip>
    <value>32917</value>
    <shrsOrPrnAmt>
      <sshPrnamt>106748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1226</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>2755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8935</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>SPDR S&amp;P DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78464A763</cusip>
    <value>6052</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66363</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>SPDR S&amp;P DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78464A763</cusip>
    <value>1460</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16007</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 MIDCAP 400 ETF TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>21849</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67332</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 S&amp;P MIDCAP 400 ETF TRUST</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>1343</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4140</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>Stag Industrial Inc</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>85254J102</cusip>
    <value>1424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48553</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>41633</Sole>
      <Shared>0</Shared>
      <None>6920</None>
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  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>855244109</cusip>
    <value>8634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117321</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>114031</Sole>
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      <None>3290</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>855244109</cusip>
    <value>1105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15014</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>15014</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>STATE STREET CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>857477103</cusip>
    <value>249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3911</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1177</Sole>
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      <None>2734</None>
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    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>863667101</cusip>
    <value>11676</value>
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      <sshPrnamt>64798</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>64491</Sole>
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      <None>307</None>
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    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>863667101</cusip>
    <value>396</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>2197</Sole>
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      <None>0</None>
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    <nameOfIssuer>Sun Communities</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>866674104</cusip>
    <value>1609</value>
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      <sshPrnamt>11860</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>1860</None>
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    <nameOfIssuer>SVB FINANCIAL GROUP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>78486Q101</cusip>
    <value>1717</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7965</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7961</Sole>
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      <None>4</None>
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    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871829107</cusip>
    <value>10047</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183803</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>181188</Sole>
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      <None>2615</None>
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  <infoTable>
    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>871829107</cusip>
    <value>1317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24092</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>22567</Sole>
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      <None>475</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>T ROWE PRICE GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>74144T108</cusip>
    <value>542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4302</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TAIWAN SEMICONDUCTOR SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>874039100</cusip>
    <value>268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4720</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>4040</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>87612E106</cusip>
    <value>762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6352</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5760</Sole>
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      <None>592</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>87612E106</cusip>
    <value>210</value>
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      <sshPrnamt>1749</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1749</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LIMITED</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>H84989104</cusip>
    <value>6258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>76015</Sole>
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      <None>726</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY LIMITED</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>H84989104</cusip>
    <value>319</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3908</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>TECHNOLOGY SELECT SECT SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>2340</value>
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      <sshPrnamt>22397</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>1692</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>TELEFLEX INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>879369106</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>568</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>562</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TESLA INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>88160R101</cusip>
    <value>804</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>7108</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55984</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>51812</Sole>
      <Shared>0</Shared>
      <None>4172</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>882508104</cusip>
    <value>155</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>254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7717</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7700</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THE HERSHEY COMPANY</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>427866108</cusip>
    <value>720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5125</Sole>
      <Shared>0</Shared>
      <None>428</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883556102</cusip>
    <value>9638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26601</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>25526</Sole>
      <Shared>0</Shared>
      <None>1075</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>883556102</cusip>
    <value>326</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>18651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>368896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>365290</Sole>
      <Shared>0</Shared>
      <None>3606</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TJX COS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>872540109</cusip>
    <value>1391</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>1524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>39259</Sole>
      <Shared>0</Shared>
      <None>379</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TOTAL S.A. SPONS ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89151E109</cusip>
    <value>62</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>8212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>92291</Sole>
      <Shared>0</Shared>
      <None>4</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRANE TECHNOLOGIES PLC</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>G8994E103</cusip>
    <value>445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
    <value>1023</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8559</Sole>
      <Shared>0</Shared>
      <None>407</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRAVELERS COMPANIES INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89417E109</cusip>
    <value>71</value>
    <shrsOrPrnAmt>
      <sshPrnamt>620</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>620</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>9988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>261026</Sole>
      <Shared>0</Shared>
      <None>4944</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>TRUIST FINANCIAL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>89832Q109</cusip>
    <value>772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>20560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UMH PROPERTIES INC REIT</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>903002103</cusip>
    <value>943</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72951</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER NV NY SHARES ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>904784709</cusip>
    <value>405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5197</Sole>
      <Shared>0</Shared>
      <None>2405</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNILEVER NV NY SHARES ADR</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>904784709</cusip>
    <value>64</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>907818108</cusip>
    <value>42783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>253049</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>250598</Sole>
      <Shared>0</Shared>
      <None>2451</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNION PAC CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>907818108</cusip>
    <value>1941</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11480</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>11480</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>911312106</cusip>
    <value>2016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18132</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>17829</Sole>
      <Shared>0</Shared>
      <None>303</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>911312106</cusip>
    <value>7</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>65</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91324P102</cusip>
    <value>9130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30957</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>28444</Sole>
      <Shared>0</Shared>
      <None>2513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>91324P102</cusip>
    <value>175</value>
    <shrsOrPrnAmt>
      <sshPrnamt>592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>592</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902973304</cusip>
    <value>2714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73714</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>70672</Sole>
      <Shared>0</Shared>
      <None>3042</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>US BANCORP NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902973304</cusip>
    <value>719</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19533</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>19533</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>999</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>87</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V.F. CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>918204108</cusip>
    <value>11240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>183322</Sole>
      <Shared>0</Shared>
      <None>1116</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>V.F. CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>918204108</cusip>
    <value>1609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26401</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>25701</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>919794107</cusip>
    <value>101</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12947</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD DIVIDEND APPREC ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921908844</cusip>
    <value>395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3370</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>Vanguard FTSE All World Ex US</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922042718</cusip>
    <value>7998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>78662</Sole>
      <Shared>0</Shared>
      <None>4120</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKET</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921943858</cusip>
    <value>1229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31696</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE DEVELOPED MARKET</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921943858</cusip>
    <value>377</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922042858</cusip>
    <value>25886</value>
    <shrsOrPrnAmt>
      <sshPrnamt>653527</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922042858</cusip>
    <value>1695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42799</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE EUROPE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922042874</cusip>
    <value>28084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>558005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE EUROPE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922042874</cusip>
    <value>1340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908736</cusip>
    <value>720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3563</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>180</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>92204A504</cusip>
    <value>24853</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>60</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>92204A504</cusip>
    <value>950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD HIGH DVD YIELD ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921946406</cusip>
    <value>3709</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD HIGH DVD YIELD ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921946406</cusip>
    <value>174</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2212</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD IND FD MID-CAP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908629</cusip>
    <value>32652</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>208</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD IND FD MID-CAP</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908629</cusip>
    <value>1514</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9234</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INFO TECH ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>92204A702</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>768</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>70</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INFO TECH ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>92204A702</cusip>
    <value>28</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>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTER TERM CORP BOND</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>92206C870</cusip>
    <value>235</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2475</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>32</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTERMEDIATE-TERM BON</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921937819</cusip>
    <value>14067</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150952</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>95</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTERMEDIATE-TERM BON</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921937819</cusip>
    <value>484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD LARGE-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908637</cusip>
    <value>1245</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8703</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD LARGE-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908637</cusip>
    <value>114</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Vanguard Mid-Cap Value Index</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908512</cusip>
    <value>5560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>54820</Sole>
      <Shared>0</Shared>
      <None>3277</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908553</cusip>
    <value>3433</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43713</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18054</Sole>
      <Shared>0</Shared>
      <None>1380</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD REAL ESTATE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908553</cusip>
    <value>194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2474</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908363</cusip>
    <value>63270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>223231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>790</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908363</cusip>
    <value>4467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD S&amp;P 500 GROWTH ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921932505</cusip>
    <value>813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SHORT TERM BOND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921937827</cusip>
    <value>23687</value>
    <shrsOrPrnAmt>
      <sshPrnamt>284981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SHORT TERM BOND ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921937827</cusip>
    <value>1126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908595</cusip>
    <value>11030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>16660</Sole>
      <Shared>0</Shared>
      <None>2006</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908595</cusip>
    <value>2287</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP VALUE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908611</cusip>
    <value>6619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8375</Sole>
      <Shared>0</Shared>
      <None>637</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP VALUE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908611</cusip>
    <value>1461</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13665</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908751</cusip>
    <value>40761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>279723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>2517</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL-CAP ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908751</cusip>
    <value>2328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15974</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD TOTAL BOND MARKET ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>921937835</cusip>
    <value>1593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>990</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>22</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ET</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908769</cusip>
    <value>243</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
    <titleOfClass>OTHER</titleOfClass>
    <cusip>922908744</cusip>
    <value>602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92343V104</cusip>
    <value>18776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>340589</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>334520</Sole>
      <Shared>0</Shared>
      <None>6069</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92343V104</cusip>
    <value>2234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>36669</Sole>
      <Shared>410</Shared>
      <None>3440</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIACOMCBS INC CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92556H206</cusip>
    <value>2905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>124566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>107855</Sole>
      <Shared>14980</Shared>
      <None>1731</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIACOMCBS INC CL B</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>92556H206</cusip>
    <value>26</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1097</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1097</Sole>
      <Shared>0</Shared>
      <None>0</None>
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      <None>0</None>
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    <cusip>95040Q104</cusip>
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    <value>206</value>
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</SEC-DOCUMENT>
