<SEC-DOCUMENT>0001050743-22-000006.txt : 20220516
<SEC-HEADER>0001050743-22-000006.hdr.sgml : 20220516
<ACCEPTANCE-DATETIME>20220513174430
ACCESSION NUMBER:		0001050743-22-000006
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20220331
FILED AS OF DATE:		20220516
DATE AS OF CHANGE:		20220513
EFFECTIVENESS DATE:		20220516

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:		22924279

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

	MAIL ADDRESS:	
		STREET 1:		500 HILLS DRIVE
		CITY:			BEDMINSTER
		STATE:			NJ
		ZIP:			07921
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
<FILENAME>primary_doc.xml
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          <cik>0001050743</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>03-31-2022</periodOfReport>
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      <reportCalendarOrQuarter>03-31-2022</reportCalendarOrQuarter>
      <isAmendment>false</isAmendment>
      <filingManager>
        <name>PEAPACK GLADSTONE FINANCIAL CORP</name>
        <address>
          <ns1:street1>500 Hills Drive</ns1:street1>
          <ns1:city>Bedminster</ns1:city>
          <ns1:stateOrCountry>NJ</ns1:stateOrCountry>
          <ns1:zipCode>07921</ns1:zipCode>
        </address>
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      <reportType>13F HOLDINGS REPORT</reportType>
      <form13FFileNumber>028-06431</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
    </coverPage>
    <signatureBlock>
      <name>Daniel J Leary III</name>
      <title>Chief Fiduciary Officer</title>
      <phone>908-719-4331</phone>
      <signature>Daniel J Leary III</signature>
      <city>Bedminster</city>
      <stateOrCountry>NJ</stateOrCountry>
      <signatureDate>05-13-2022</signatureDate>
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<DOCUMENT>
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      <None>1266</None>
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      <None>2311</None>
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    <nameOfIssuer>ALEXANDRIA REAL ESTATE EQ IN</nameOfIssuer>
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    <cusip>015271109</cusip>
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      <None>2632</None>
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    <cusip>030420103</cusip>
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      <None>213</None>
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    <value>102</value>
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      <None>19801</None>
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    <nameOfIssuer>BLACKROCK MULTI SECTOR INC T</nameOfIssuer>
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    <value>365</value>
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      <sshPrnamt>22127</sshPrnamt>
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    <votingAuthority>
      <Sole>93</Sole>
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      <None>22034</None>
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    <nameOfIssuer>BLACKROCK MUNIHLDGS NJ QLTY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09254X101</cusip>
    <value>344</value>
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      <sshPrnamt>25794</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>BLACKROCK MUNIYIELD N J FD I</nameOfIssuer>
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      <Sole>0</Sole>
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      <None>0</None>
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    <cusip>09260D107</cusip>
    <value>5422</value>
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      <sshPrnamt>42710</sshPrnamt>
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    <votingAuthority>
      <Sole>42442</Sole>
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      <None>268</None>
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    <value>695</value>
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      <Sole>5475</Sole>
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      <None>0</None>
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      <sshPrnamt>1431</sshPrnamt>
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    <votingAuthority>
      <Sole>1431</Sole>
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      <None>0</None>
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    <votingAuthority>
      <Sole>193462</Sole>
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      <None>8700</None>
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      <sshPrnamt>32653</sshPrnamt>
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    <votingAuthority>
      <Sole>32065</Sole>
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      <None>588</None>
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    <nameOfIssuer>BOEING CO</nameOfIssuer>
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    <cusip>097023105</cusip>
    <value>1073</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>5601</Sole>
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      <None>0</None>
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    <cusip>097023105</cusip>
    <value>2629</value>
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      <sshPrnamt>13731</sshPrnamt>
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    <votingAuthority>
      <Sole>1895</Sole>
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      <None>11836</None>
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    <cusip>09857L108</cusip>
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      <sshPrnamt>3884</sshPrnamt>
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    <votingAuthority>
      <Sole>3794</Sole>
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      <None>90</None>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09857L108</cusip>
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      <sshPrnamt>1328</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1296</Sole>
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      <None>32</None>
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    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG</nameOfIssuer>
    <titleOfClass>COR CL A</titleOfClass>
    <cusip>099502106</cusip>
    <value>584</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>6648</None>
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    <nameOfIssuer>BOSTON BEER INC</nameOfIssuer>
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    <cusip>100557107</cusip>
    <value>665</value>
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      <sshPrnamt>1713</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>1713</None>
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    <nameOfIssuer>BOSTON PROPERTIES INC</nameOfIssuer>
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    <cusip>101121101</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>3184</None>
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    <nameOfIssuer>BP PLC</nameOfIssuer>
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    <cusip>055622104</cusip>
    <value>290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9878</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5919</Sole>
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    <nameOfIssuer>BP PLC</nameOfIssuer>
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    <cusip>055622104</cusip>
    <value>1964</value>
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      <sshPrnamt>66811</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>410</Sole>
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      <None>66401</None>
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    <nameOfIssuer>BRIGHT HORIZONS FAM SOL IN D</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>109194100</cusip>
    <value>285</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2120</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2120</Sole>
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      <None>0</None>
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    <nameOfIssuer>BRIGHTHOUSE FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>10922N103</cusip>
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      <sshPrnamt>19026</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15</Sole>
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      <None>19011</None>
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    <cusip>109696104</cusip>
    <value>229</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>3361</None>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
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      <sshPrnamt>422786</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>413541</Sole>
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      <None>9245</None>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>3207</value>
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      <sshPrnamt>43909</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>43659</Sole>
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      <None>250</None>
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    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>110122108</cusip>
    <value>8434</value>
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      <Sole>98835</Sole>
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    <nameOfIssuer>BRITISH AMERN TOB PLC</nameOfIssuer>
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    <cusip>110448107</cusip>
    <value>614</value>
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      <Sole>0</Sole>
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      <None>14568</None>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
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    <value>1482</value>
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      <sshPrnamt>745</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>745</Sole>
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      <None>0</None>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>3514</value>
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      <sshPrnamt>5581</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5064</Sole>
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      <None>517</None>
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    <nameOfIssuer>BROADCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>11135F101</cusip>
    <value>575</value>
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      <sshPrnamt>913</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>517</Sole>
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      <None>396</None>
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    <nameOfIssuer>BROOKFIELD ASSET MGMT INC</nameOfIssuer>
    <titleOfClass>CL A LTD VT SH</titleOfClass>
    <cusip>112585104</cusip>
    <value>467</value>
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      <sshPrnamt>8250</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>8250</None>
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    <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
    <titleOfClass>LP INT UNIT</titleOfClass>
    <cusip>G16252101</cusip>
    <value>2956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44639</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>44639</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>CANADIAN NATL RY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136375102</cusip>
    <value>252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1875</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>230</Sole>
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      <None>1645</None>
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  <infoTable>
    <nameOfIssuer>CANADIAN PAC RY LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13645T100</cusip>
    <value>723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8762</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8562</Sole>
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      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CANNAE HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>13765N107</cusip>
    <value>6434</value>
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      <sshPrnamt>268965</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>268965</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1909</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1212</Sole>
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      <None>697</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CAPITAL ONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14040H105</cusip>
    <value>1748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>13315</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CARDINAL HEALTH INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14149Y108</cusip>
    <value>1297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22876</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18</Sole>
      <Shared>0</Shared>
      <None>22858</None>
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  <infoTable>
    <nameOfIssuer>CARNIVAL CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>143658300</cusip>
    <value>379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18732</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>100</Sole>
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      <None>18632</None>
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  <infoTable>
    <nameOfIssuer>CARNIVAL PLC</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
    <cusip>14365C103</cusip>
    <value>1043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57105</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>57105</None>
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  <infoTable>
    <nameOfIssuer>CARRIER GLOBAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>14448C104</cusip>
    <value>6932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151119</sshPrnamt>
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    <votingAuthority>
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      <None>2273</None>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2081</None>
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    <cusip>149123101</cusip>
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      <sshPrnamt>41226</sshPrnamt>
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      <Sole>38976</Sole>
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      <None>2250</None>
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      <Sole>6816</Sole>
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      <None>15</None>
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    <votingAuthority>
      <Sole>954</Sole>
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      <None>10428</None>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>145414</None>
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      <sshPrnamt>2875</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>2875</None>
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      <sshPrnamt>1616</sshPrnamt>
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      <Sole>1611</Sole>
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      <None>5</None>
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      <sshPrnamt>7242</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>252</Sole>
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      <None>6990</None>
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      <sshPrnamt>15940</sshPrnamt>
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      <Sole>0</Sole>
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      <None>15940</None>
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    <titleOfClass>ORD</titleOfClass>
    <cusip>M22465104</cusip>
    <value>4473</value>
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      <sshPrnamt>32349</sshPrnamt>
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      <Sole>29588</Sole>
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      <None>2761</None>
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    <value>271</value>
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      <sshPrnamt>1960</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>1960</Sole>
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      <None>0</None>
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    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
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    <value>3459</value>
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      <sshPrnamt>25015</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24410</Sole>
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      <None>605</None>
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      <sshPrnamt>5610</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5010</Sole>
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      <None>600</None>
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      <sshPrnamt>216557</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>212662</Sole>
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      <None>3895</None>
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    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
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    <value>5373</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>32673</Sole>
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      <None>325</None>
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    <value>12775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>78318</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43316</Sole>
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      <None>35002</None>
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      <sshPrnamt>367</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>308</Sole>
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      <None>59</None>
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      <sshPrnamt>6478</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>5813</Sole>
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      <None>665</None>
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      <Sole>2573</Sole>
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      <None>4467</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4694</Sole>
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      <Sole>14348</Sole>
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      <None>33589</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>97816</Sole>
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      <None>1528</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>7675</Sole>
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      <None>0</None>
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    <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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      <sshPrnamt>4846</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>4846</Sole>
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      <None>0</None>
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      <None>10667</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <None>0</None>
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      <Sole>88277</Sole>
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    <votingAuthority>
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      <Sole>44578</Sole>
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      <None>22313</None>
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    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
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      <None>15218</None>
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      <Sole>4805</Sole>
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      <None>326</None>
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      <Sole>54010</Sole>
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      <None>0</None>
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      <Sole>6428</Sole>
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    <shrsOrPrnAmt>
      <sshPrnamt>73532</sshPrnamt>
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      <None>3637</None>
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    <value>558</value>
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      <Sole>7516</Sole>
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      <None>64</None>
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    <cusip>26614N102</cusip>
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      <sshPrnamt>31432</sshPrnamt>
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    <votingAuthority>
      <Sole>16322</Sole>
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      <None>15110</None>
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      <Sole>0</Sole>
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      <None>37002</None>
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    <value>378</value>
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      <sshPrnamt>3973</sshPrnamt>
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      <Sole>743</Sole>
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      <None>2505</None>
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      <sshPrnamt>1524</sshPrnamt>
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      <None>0</None>
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      <sshPrnamt>2325</sshPrnamt>
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      <Sole>2160</Sole>
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      <None>165</None>
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      <sshPrnamt>16073</sshPrnamt>
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    <votingAuthority>
      <Sole>90</Sole>
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      <None>15983</None>
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    <titleOfClass>SHS</titleOfClass>
    <cusip>G29183103</cusip>
    <value>629</value>
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      <sshPrnamt>4143</sshPrnamt>
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    <votingAuthority>
      <Sole>2545</Sole>
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      <None>1598</None>
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    <value>1421</value>
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      <sshPrnamt>9364</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28</Sole>
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      <None>9336</None>
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    <nameOfIssuer>EATON VANCE MUNI INCOME TRUS</nameOfIssuer>
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    <cusip>27826U108</cusip>
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      <Sole>0</Sole>
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      <None>18120</None>
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      <sshPrnamt>16640</sshPrnamt>
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      <Sole>15969</Sole>
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      <None>671</None>
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    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
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    <votingAuthority>
      <Sole>44504</Sole>
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      <None>2351</None>
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    <nameOfIssuer>EDISON INTL</nameOfIssuer>
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    <cusip>281020107</cusip>
    <value>1047</value>
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      <sshPrnamt>14933</sshPrnamt>
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    <votingAuthority>
      <Sole>1004</Sole>
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      <None>13929</None>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
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    <cusip>28176E108</cusip>
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      <sshPrnamt>25301</sshPrnamt>
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      <Sole>25135</Sole>
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      <None>166</None>
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    <nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
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    <value>463</value>
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      <sshPrnamt>3656</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3221</Sole>
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      <None>435</None>
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    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
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    <votingAuthority>
      <Sole>52087</Sole>
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      <None>887</None>
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    <nameOfIssuer>EMERSON ELEC CO</nameOfIssuer>
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      <Sole>7079</Sole>
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    <votingAuthority>
      <Sole>43797</Sole>
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      <None>18386</None>
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      <Sole>4983</Sole>
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      <Sole>0</Sole>
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      <None>16740</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2145</Sole>
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      <None>430</None>
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      <Sole>2612</Sole>
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    <votingAuthority>
      <Sole>156</Sole>
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    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
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      <Sole>18446</Sole>
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      <None>1069</None>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
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      <sshPrnamt>47130</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>45037</Sole>
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      <None>2093</None>
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    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
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      <sshPrnamt>5686</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4755</Sole>
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      <None>931</None>
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    <nameOfIssuer>EOG RES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26875P101</cusip>
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      <sshPrnamt>2026</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>2026</Sole>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4875</Sole>
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      <None>3777</None>
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    <nameOfIssuer>EQUIFAX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>294429105</cusip>
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      <sshPrnamt>1842</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1700</Sole>
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      <None>142</None>
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    <nameOfIssuer>EQUINIX INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>13564</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12893</Sole>
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      <None>671</None>
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    <nameOfIssuer>EQUINOR ASA</nameOfIssuer>
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    <value>403</value>
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      <sshPrnamt>10731</sshPrnamt>
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    <votingAuthority>
      <Sole>760</Sole>
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      <None>9971</None>
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    <nameOfIssuer>EQUITY RESIDENTIAL</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>29476L107</cusip>
    <value>646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7185</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>7185</None>
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    <nameOfIssuer>ESSEX PPTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>297178105</cusip>
    <value>3521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10192</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8642</Sole>
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      <None>1550</None>
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    <value>216</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>615</Sole>
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      <None>1042</None>
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    <nameOfIssuer>EVEREST RE GROUP LTD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>G3223R108</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>1287</None>
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    <nameOfIssuer>EXELON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30161N101</cusip>
    <value>1564</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32837</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>162</Sole>
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      <None>32675</None>
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  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30225T102</cusip>
    <value>233</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1134</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>EXTRA SPACE STORAGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30225T102</cusip>
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      <sshPrnamt>15292</sshPrnamt>
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      <Sole>13137</Sole>
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      <None>2155</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>513037</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>492403</Sole>
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      <None>20634</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>5004</value>
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      <sshPrnamt>60586</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>60585</Sole>
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      <None>1</None>
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    <nameOfIssuer>EXXON MOBIL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>30231G102</cusip>
    <value>9594</value>
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      <sshPrnamt>116062</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24360</Sole>
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      <None>91702</None>
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    <cusip>311900104</cusip>
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      <sshPrnamt>19596</sshPrnamt>
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    <votingAuthority>
      <Sole>19547</Sole>
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      <None>49</None>
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    <nameOfIssuer>FEDERAL RLTY INVT TR NEW</nameOfIssuer>
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    <cusip>313745101</cusip>
    <value>2224</value>
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      <sshPrnamt>18221</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15941</Sole>
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      <None>2280</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>10257</value>
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      <sshPrnamt>44326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>43886</Sole>
      <Shared>0</Shared>
      <None>440</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>1275</value>
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      <sshPrnamt>5511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5511</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>31428X106</cusip>
    <value>4099</value>
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      <sshPrnamt>17712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8913</Sole>
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      <None>8799</None>
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    <cusip>G33856108</cusip>
    <value>116</value>
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      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <cusip>31620R303</cusip>
    <value>59538</value>
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      <sshPrnamt>1219043</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1218885</Sole>
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      <None>158</None>
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    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
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    <cusip>31620R303</cusip>
    <value>297</value>
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      <sshPrnamt>6085</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6085</None>
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    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4861</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>4761</Sole>
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      <None>100</None>
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    <nameOfIssuer>FIRST INDL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>32054K103</cusip>
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      <sshPrnamt>49625</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42184</Sole>
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      <None>7441</None>
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    <nameOfIssuer>FIRST REP BK SAN FRANCISCO C</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>33616C100</cusip>
    <value>10458</value>
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      <sshPrnamt>64516</sshPrnamt>
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    <votingAuthority>
      <Sole>64516</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST REP BK SAN FRANCISCO C</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>33616C100</cusip>
    <value>316</value>
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      <sshPrnamt>1950</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1950</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
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    <cusip>336433107</cusip>
    <value>270</value>
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      <sshPrnamt>3230</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>3230</Sole>
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      <None>0</None>
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    <nameOfIssuer>FIRST TR / ABERDEEN EMERGING</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>33731K102</cusip>
    <value>179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17405</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>17405</None>
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    <nameOfIssuer>FIRST TR LRGE CP CORE ALPHA</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33734K109</cusip>
    <value>600</value>
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      <sshPrnamt>6801</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>FIRSTENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>2269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49477</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1548</Sole>
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      <None>47929</None>
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    <nameOfIssuer>FISERV INC</nameOfIssuer>
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    <cusip>337738108</cusip>
    <value>1592</value>
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      <sshPrnamt>15697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14923</Sole>
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      <None>774</None>
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    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>773</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7578</Sole>
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      <None>0</None>
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    <nameOfIssuer>FLEETCOR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>339041105</cusip>
    <value>252</value>
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      <sshPrnamt>1012</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>747</Sole>
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      <None>265</None>
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      <sshPrnamt>39343</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39343</Sole>
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      <None>0</None>
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    <cusip>Y2573F102</cusip>
    <value>604</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>32582</None>
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    <nameOfIssuer>FMC CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>302491303</cusip>
    <value>2092</value>
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      <sshPrnamt>15753</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13695</Sole>
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      <None>2058</None>
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    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>1527</value>
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      <sshPrnamt>90328</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>88084</Sole>
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      <None>2244</None>
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    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13725</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13725</Sole>
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      <None>0</None>
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    <nameOfIssuer>FORD MTR CO DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>608</value>
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      <sshPrnamt>35621</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18239</Sole>
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      <None>17382</None>
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    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5940</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5250</Sole>
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      <None>690</None>
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  <infoTable>
    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>233</value>
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      <sshPrnamt>3821</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3821</Sole>
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      <None>0</None>
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    <nameOfIssuer>FOX CORP</nameOfIssuer>
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    <cusip>35137L204</cusip>
    <value>437</value>
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      <sshPrnamt>12056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>12056</None>
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    <nameOfIssuer>FRANKLIN RESOURCES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>354613101</cusip>
    <value>251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8971</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>8221</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FREEPORT-MCMORAN INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>35671D857</cusip>
    <value>563</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11322</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>11322</None>
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    <nameOfIssuer>FRONTDOOR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>35905A109</cusip>
    <value>732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22142</Sole>
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      <None>2510</None>
    </votingAuthority>
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    <nameOfIssuer>FTI CONSULTING INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>302941109</cusip>
    <value>269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>1711</None>
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  <infoTable>
    <nameOfIssuer>GABELLI MULTIMEDIA TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>36239Q109</cusip>
    <value>518</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56259</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56259</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GARTNER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>366651107</cusip>
    <value>603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>2028</None>
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  <infoTable>
    <nameOfIssuer>GARTNER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>366651107</cusip>
    <value>1813</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6095</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6075</Sole>
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      <None>20</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAC HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>368736104</cusip>
    <value>3716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11246</Sole>
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      <None>700</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>GENERAL DYNAMICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>369550108</cusip>
    <value>22669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93994</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>0</None>
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      <None>4320</None>
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      <None>1182</None>
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      <sshPrnamt>6362</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6362</Sole>
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      <None>0</None>
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      <sshPrnamt>38598</sshPrnamt>
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      <Sole>6859</Sole>
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      <None>31739</None>
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      <sshPrnamt>50281</sshPrnamt>
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      <Sole>49489</Sole>
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      <None>792</None>
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    <titleOfClass>COM</titleOfClass>
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    <value>727</value>
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    <votingAuthority>
      <Sole>9975</Sole>
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      <None>180</None>
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    <cusip>37045V100</cusip>
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      <sshPrnamt>31144</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>665</Sole>
      <Shared>0</Shared>
      <None>30479</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>9742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>77303</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>76531</Sole>
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      <None>772</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>372460105</cusip>
    <value>420</value>
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      <sshPrnamt>3336</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>3336</Sole>
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      <None>0</None>
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    <value>81</value>
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      <sshPrnamt>21461</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>21461</None>
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    <nameOfIssuer>GILEAD SCIENCES INC</nameOfIssuer>
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    <cusip>375558103</cusip>
    <value>1757</value>
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      <sshPrnamt>29536</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9150</Sole>
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      <None>20386</None>
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    <nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
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    <cusip>37733W105</cusip>
    <value>476</value>
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      <sshPrnamt>10935</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>10935</Sole>
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      <None>0</None>
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    <value>260</value>
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      <sshPrnamt>5980</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5980</Sole>
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      <None>0</None>
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    <nameOfIssuer>GLAXOSMITHKLINE PLC</nameOfIssuer>
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    <cusip>37733W105</cusip>
    <value>1333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30528</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24534</Sole>
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      <None>5994</None>
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    <nameOfIssuer>GLOBAL PMTS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>37940X102</cusip>
    <value>477</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3488</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>3488</None>
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    <nameOfIssuer>GLOBALFOUNDRIES INC</nameOfIssuer>
    <titleOfClass>ORDINARY SHARES</titleOfClass>
    <cusip>G39387108</cusip>
    <value>452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6750</Sole>
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      <None>0</None>
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    <nameOfIssuer>GOGO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38046C109</cusip>
    <value>191</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>GOLD FIELDS LTD</nameOfIssuer>
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    <value>395</value>
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      <sshPrnamt>25523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>25523</None>
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    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>38141G104</cusip>
    <value>7865</value>
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      <sshPrnamt>23825</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>23316</Sole>
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      <None>509</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>396</value>
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      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
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    <cusip>38141G104</cusip>
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      <sshPrnamt>7444</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>189</Sole>
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      <None>7255</None>
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    <nameOfIssuer>GORES GUGGENHEIM INC</nameOfIssuer>
    <titleOfClass>CLASS A COM</titleOfClass>
    <cusip>38286Q107</cusip>
    <value>114</value>
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      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
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    <nameOfIssuer>GRAINGER W W INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>384802104</cusip>
    <value>443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>858</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>858</None>
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  <infoTable>
    <nameOfIssuer>GROUP 1 AUTOMOTIVE INC</nameOfIssuer>
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    <cusip>398905109</cusip>
    <value>309</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>1844</None>
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  <infoTable>
    <nameOfIssuer>GRUPO TELEVISA S A B</nameOfIssuer>
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    <cusip>40049J206</cusip>
    <value>137</value>
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      <sshPrnamt>11680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>11680</None>
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      <sshPrnamt>5440</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5180</Sole>
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      <None>260</None>
    </votingAuthority>
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    <nameOfIssuer>HALLIBURTON CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>406216101</cusip>
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      <sshPrnamt>40746</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>248</Sole>
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      <None>40498</None>
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    <nameOfIssuer>HALOZYME THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40637H109</cusip>
    <value>332</value>
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      <sshPrnamt>8333</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>8000</Sole>
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      <None>333</None>
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    <nameOfIssuer>HANCOCK JOHN FINL OPPTYS FD</nameOfIssuer>
    <titleOfClass>SH BEN INT NEW</titleOfClass>
    <cusip>409735206</cusip>
    <value>862</value>
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      <sshPrnamt>21438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>21438</None>
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      <sshPrnamt>149677</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>149677</None>
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    <cusip>42225P501</cusip>
    <value>896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>HEALTHCARE TR AMER INC</nameOfIssuer>
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    <cusip>42225P501</cusip>
    <value>1705</value>
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      <sshPrnamt>54406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46660</Sole>
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      <None>7746</None>
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  <infoTable>
    <nameOfIssuer>HELIX ENERGY SOLUTIONS GRP I</nameOfIssuer>
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    <value>48</value>
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      <sshPrnamt>10000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>10000</None>
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  <infoTable>
    <nameOfIssuer>HELMERICH &amp; PAYNE INC</nameOfIssuer>
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    <cusip>423452101</cusip>
    <value>924</value>
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      <sshPrnamt>21595</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>21595</None>
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  <infoTable>
    <nameOfIssuer>HERBALIFE NUTRITION LTD</nameOfIssuer>
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    <value>408</value>
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      <sshPrnamt>13425</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13425</None>
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  <infoTable>
    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>1738</value>
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      <sshPrnamt>8021</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7589</Sole>
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      <None>432</None>
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  <infoTable>
    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>427866108</cusip>
    <value>1114</value>
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      <sshPrnamt>5142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4621</Sole>
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      <None>521</None>
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    <nameOfIssuer>HESS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42809H107</cusip>
    <value>230</value>
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      <sshPrnamt>2152</sshPrnamt>
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      <Sole>2002</Sole>
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      <None>150</None>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
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    <value>526</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <nameOfIssuer>INVESCO ACTIVLY MANGD ETC FD</nameOfIssuer>
    <titleOfClass>OPTIMUM YIELD</titleOfClass>
    <cusip>46090F100</cusip>
    <value>270</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15000</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO CURRENCYSHARES SWISS</nameOfIssuer>
    <titleOfClass>SWISS FRANC</titleOfClass>
    <cusip>46138R108</cusip>
    <value>381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3922</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>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>FTSE RAFI 1000</titleOfClass>
    <cusip>46137V613</cusip>
    <value>4992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29217</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>900</Sole>
      <Shared>0</Shared>
      <None>28317</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>FTSE RAFI 1500</titleOfClass>
    <cusip>46137V597</cusip>
    <value>250</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>365</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>15378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97509</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3050</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>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>89910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>248000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>4293</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11841</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>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>13757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37853</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26636</Sole>
      <Shared>0</Shared>
      <None>11217</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO TR INVT GRADE NEW YO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46131T101</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20818</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20818</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRIDIUM COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46269C102</cusip>
    <value>896</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21908</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20778</Sole>
      <Shared>0</Shared>
      <None>1130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46284V101</cusip>
    <value>436</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7862</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>IRON MTN INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46284V101</cusip>
    <value>2911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>46575</Sole>
      <Shared>0</Shared>
      <None>5948</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9966</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT</titleOfClass>
    <cusip>46434G103</cusip>
    <value>271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4884</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT</titleOfClass>
    <cusip>46434G103</cusip>
    <value>8947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>161016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>151866</Sole>
      <Shared>0</Shared>
      <None>9150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI CDA ETF</titleOfClass>
    <cusip>464286509</cusip>
    <value>409</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI FRANCE ETF</titleOfClass>
    <cusip>464286707</cusip>
    <value>384</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SILVER TR</nameOfIssuer>
    <titleOfClass>ISHARES</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CHINA LG-CAP ETF</titleOfClass>
    <cusip>464287184</cusip>
    <value>951</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29759</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>29759</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>COHEN STEER REIT</titleOfClass>
    <cusip>464287564</cusip>
    <value>246</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF</titleOfClass>
    <cusip>46429B663</cusip>
    <value>253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2365</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 TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
    <value>673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
    <value>1308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18567</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18567</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>1880</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7006</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 TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>3697</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13781</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13508</Sole>
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      <None>273</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>4545</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>2950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18954</Sole>
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      <None>8193</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2346</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1246</Sole>
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      <None>1100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>3772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8313</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>10507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23157</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20384</Sole>
      <Shared>0</Shared>
      <None>2773</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>339</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3168</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2046</Sole>
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      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
    <value>499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>204</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4055</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4055</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL REIT ETF</titleOfClass>
    <cusip>46434V647</cusip>
    <value>675</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22597</Sole>
      <Shared>0</Shared>
      <None>524</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
    <cusip>464287242</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>512</Sole>
      <Shared>0</Shared>
      <None>2069</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH</titleOfClass>
    <cusip>464287556</cusip>
    <value>4045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31041</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH</titleOfClass>
    <cusip>464287556</cusip>
    <value>1313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10080</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH</titleOfClass>
    <cusip>464287556</cusip>
    <value>3487</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26752</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>26548</Sole>
      <Shared>0</Shared>
      <None>204</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
    <cusip>464288646</cusip>
    <value>810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15654</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
    <cusip>464288646</cusip>
    <value>3963</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>75868</Sole>
      <Shared>0</Shared>
      <None>770</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
    <cusip>464288281</cusip>
    <value>742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7498</Sole>
      <Shared>0</Shared>
      <None>84</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>3334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>1137</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15431</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14774</Sole>
      <Shared>0</Shared>
      <None>657</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>1300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28799</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13912</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12965</Sole>
      <Shared>0</Shared>
      <None>947</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI UK ETF NEW</titleOfClass>
    <cusip>46435G334</cusip>
    <value>222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6600</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL</titleOfClass>
    <cusip>46429B697</cusip>
    <value>391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5039</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT</titleOfClass>
    <cusip>46432F339</cusip>
    <value>601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4461</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>111</Sole>
      <Shared>0</Shared>
      <None>4350</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>1232</value>
    <shrsOrPrnAmt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
    <cusip>464288687</cusip>
    <value>8432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>231520</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>PFD AND INCM SEC</titleOfClass>
    <cusip>464288687</cusip>
    <value>674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>18495</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RESIDENTIAL MULT</titleOfClass>
    <cusip>464288562</cusip>
    <value>480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5000</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>1752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7005</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>1155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4617</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4617</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>3425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12337</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>752</value>
    <shrsOrPrnAmt>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>2037</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6916</Sole>
      <Shared>0</Shared>
      <None>421</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>2239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>347</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>901</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5426</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5004</Sole>
      <Shared>0</Shared>
      <None>422</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>5415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19297</Sole>
      <Shared>0</Shared>
      <None>1877</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>241</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1493</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>7195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44579</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42676</Sole>
      <Shared>0</Shared>
      <None>1903</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>3810</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37910</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>2129</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>4227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35328</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>1884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>2956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37881</sshPrnamt>
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      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>211</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2709</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2709</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>1083</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>45708</value>
    <shrsOrPrnAmt>
      <sshPrnamt>222672</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>210667</Sole>
      <Shared>0</Shared>
      <None>12005</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
    <cusip>464287689</cusip>
    <value>314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1197</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <votingAuthority>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
    <cusip>464287689</cusip>
    <value>830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3167</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3139</Sole>
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      <None>28</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>10422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>136452</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>2395</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8636</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5580</Sole>
      <Shared>0</Shared>
      <None>3056</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>13400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86049</sshPrnamt>
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      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>1935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12429</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5139</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4699</Sole>
      <Shared>0</Shared>
      <None>440</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
    <cusip>464287887</cusip>
    <value>805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6432</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>3104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24224</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>606</Sole>
      <Shared>0</Shared>
      <None>2426</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
    <cusip>464287176</cusip>
    <value>6410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51454</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48569</Sole>
      <Shared>0</Shared>
      <None>2885</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. MED DVC ETF</titleOfClass>
    <cusip>464288810</cusip>
    <value>4837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>79354</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. REAL ES ETF</titleOfClass>
    <cusip>464287739</cusip>
    <value>335</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3091</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287721</cusip>
    <value>412</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
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    <cusip>464287762</cusip>
    <value>207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>718</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HOME CONS ETF</titleOfClass>
    <cusip>464288752</cusip>
    <value>1157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19519</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>146</Sole>
      <Shared>0</Shared>
      <None>19373</None>
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  <infoTable>
    <nameOfIssuer>ITAU UNIBANCO HLDG S A</nameOfIssuer>
    <titleOfClass>SPON ADR REP PFD</titleOfClass>
    <cusip>465562106</cusip>
    <value>86</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15142</None>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
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    <cusip>46641Q837</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>283380</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>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
    <titleOfClass>ULTRA SHRT INC</titleOfClass>
    <cusip>46641Q837</cusip>
    <value>5208</value>
    <shrsOrPrnAmt>
      <sshPrnamt>103608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
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    <cusip>46641Q837</cusip>
    <value>4169</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>78960</Sole>
      <Shared>0</Shared>
      <None>3965</None>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
    <titleOfClass>ULTRA SHT MUNCPL</titleOfClass>
    <cusip>46641Q654</cusip>
    <value>236</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>J P MORGAN EXCHANGE-TRADED F</nameOfIssuer>
    <titleOfClass>ULTRA SHT MUNCPL</titleOfClass>
    <cusip>46641Q654</cusip>
    <value>3219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>63560</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>JAPAN SMALLER CAPITALIZATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>47109U104</cusip>
    <value>123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17201</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>271361</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>264519</Sole>
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      <None>6842</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>5497</value>
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      <sshPrnamt>31018</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>30618</Sole>
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      <None>400</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>478160104</cusip>
    <value>19275</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107904</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>98326</Sole>
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      <None>9578</None>
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  <infoTable>
    <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G51502105</cusip>
    <value>361</value>
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      <sshPrnamt>5502</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>522</Sole>
      <Shared>0</Shared>
      <None>4980</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JONES LANG LASALLE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>48020Q107</cusip>
    <value>2050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8562</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8562</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>53463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>392188</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>383436</Sole>
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      <None>8752</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>5700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>40817</Sole>
      <Shared>0</Shared>
      <None>1000</None>
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  <infoTable>
    <nameOfIssuer>JPMORGAN CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46625H100</cusip>
    <value>19934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>143922</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>120732</Sole>
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      <None>23190</None>
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  <infoTable>
    <nameOfIssuer>KELLOGG CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>487836108</cusip>
    <value>3077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>46703</Sole>
      <Shared>275</Shared>
      <None>733</None>
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  <infoTable>
    <nameOfIssuer>KEYCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>493267108</cusip>
    <value>4463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>199421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>196876</Sole>
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      <None>2545</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KEYCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>493267108</cusip>
    <value>529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23632</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>23632</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>970</value>
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      <sshPrnamt>7874</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7810</Sole>
      <Shared>0</Shared>
      <None>64</None>
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  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>218</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1771</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1500</Sole>
      <Shared>0</Shared>
      <None>271</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIMBERLY-CLARK CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>494368103</cusip>
    <value>256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2081</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>173</Sole>
      <Shared>0</Shared>
      <None>1908</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49456B101</cusip>
    <value>284</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15004</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5889</Sole>
      <Shared>0</Shared>
      <None>9115</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KIRBY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>497266106</cusip>
    <value>438</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6066</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6066</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KNIGHTSCOPE INC</nameOfIssuer>
    <titleOfClass>CLASS A COM</titleOfClass>
    <cusip>49907V102</cusip>
    <value>51</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KOHLS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>500255104</cusip>
    <value>311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5151</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20</Sole>
      <Shared>0</Shared>
      <None>5131</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>500754106</cusip>
    <value>1834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46551</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1483</Sole>
      <Shared>0</Shared>
      <None>45068</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>501044101</cusip>
    <value>686</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>7142</Sole>
      <Shared>0</Shared>
      <None>4818</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>3398</value>
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      <Sole>334</Sole>
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      <None>9788</None>
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      <None>144</None>
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      <Sole>26860</Sole>
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    <nameOfIssuer>LAZARD LTD</nameOfIssuer>
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      <Sole>940</Sole>
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      <None>2452</None>
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    <nameOfIssuer>LIBERTY ALL-STAR GROWTH FD I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>LINDE PLC</nameOfIssuer>
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    <nameOfIssuer>LIVE NATION ENTERTAINMENT IN</nameOfIssuer>
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    <nameOfIssuer>MACOM TECH SOLUTIONS HLDGS I</nameOfIssuer>
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    <cusip>559080106</cusip>
    <value>300</value>
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    <titleOfClass>COM</titleOfClass>
    <cusip>56418H100</cusip>
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      <None>2366</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>56501R106</cusip>
    <value>744</value>
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      <None>34859</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>56585A102</cusip>
    <value>556</value>
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      <Sole>6500</Sole>
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    <cusip>56585A102</cusip>
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      <Sole>1229</Sole>
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    <cusip>571903202</cusip>
    <value>414</value>
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      <sshPrnamt>2354</sshPrnamt>
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      <Sole>1378</Sole>
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    <nameOfIssuer>MARSH &amp; MCLENNAN COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>571748102</cusip>
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      <Sole>4100</Sole>
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    <nameOfIssuer>MARTIN MARIETTA MATLS INC</nameOfIssuer>
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      <Sole>14633</Sole>
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      <None>18660</None>
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    <cusip>617446448</cusip>
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      <None>2415</None>
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    <value>862</value>
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    <votingAuthority>
      <Sole>2622</Sole>
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      <None>14450</None>
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    <value>274</value>
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      <sshPrnamt>8244</sshPrnamt>
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      <None>0</None>
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      <None>1723</None>
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      <Sole>120000</Sole>
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      <None>0</None>
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    <votingAuthority>
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      <None>1509</None>
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    <value>819</value>
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      <Sole>1924</Sole>
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      <None>265</None>
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    <cusip>64190A103</cusip>
    <value>72</value>
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      <sshPrnamt>14383</sshPrnamt>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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    <value>524</value>
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      <sshPrnamt>56621</sshPrnamt>
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      <None>56621</None>
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      <None>0</None>
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      <None>16666</None>
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    <nameOfIssuer>NEXTIER OILFIELD SOLUTIONS</nameOfIssuer>
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    <votingAuthority>
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    <cusip>665859104</cusip>
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      <sshPrnamt>2476</sshPrnamt>
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      <None>66</None>
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    <titleOfClass>COM</titleOfClass>
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    <value>244</value>
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      <Sole>166</Sole>
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      <None>19541</None>
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      <Sole>2748</Sole>
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      <sshPrnamt>48314</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>39433</Sole>
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      <sshPrnamt>3439</sshPrnamt>
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      <Sole>3135</Sole>
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      <None>304</None>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>6001</Sole>
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      <None>0</None>
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    <nameOfIssuer>NUCOR CORP</nameOfIssuer>
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      <Sole>69302</Sole>
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      <None>696</None>
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    <value>1126</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>7575</Sole>
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      <None>0</None>
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    <cusip>670346105</cusip>
    <value>4542</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26881</Sole>
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      <None>3671</None>
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    <nameOfIssuer>NUTRIEN LTD</nameOfIssuer>
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    <cusip>67077M108</cusip>
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      <None>18389</None>
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    <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1566</Sole>
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      <None>17330</None>
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    <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
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    <cusip>670657105</cusip>
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      <None>13689</None>
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    <nameOfIssuer>NUVEEN NEW JERSEY QULT MUN F</nameOfIssuer>
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    <cusip>67069Y102</cusip>
    <value>142</value>
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      <sshPrnamt>10600</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NUVEEN NEW JERSEY QULT MUN F</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67069Y102</cusip>
    <value>283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21123</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>21123</None>
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    <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67066V101</cusip>
    <value>273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20436</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>240</Sole>
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      <None>20196</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>6053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22182</sshPrnamt>
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    <votingAuthority>
      <Sole>19994</Sole>
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      <None>2188</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
    <value>2537</value>
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      <sshPrnamt>9249</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7677</Sole>
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      <None>1572</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>674599105</cusip>
    <value>775</value>
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      <sshPrnamt>13653</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13653</None>
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    <value>391</value>
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      <sshPrnamt>9600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>0</Sole>
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      <None>9600</None>
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    <value>806</value>
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      <sshPrnamt>11417</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10917</Sole>
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      <None>500</None>
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    <value>16671</value>
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      <sshPrnamt>201505</sshPrnamt>
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    <votingAuthority>
      <Sole>199748</Sole>
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      <None>1757</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>496</value>
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      <sshPrnamt>6001</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6001</Sole>
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      <None>0</None>
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    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>7821</value>
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      <sshPrnamt>94396</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>81859</Sole>
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      <None>12537</None>
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    <nameOfIssuer>ORANGE</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>684060106</cusip>
    <value>198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16746</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>16746</None>
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    <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
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    <cusip>67103H107</cusip>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>327</Sole>
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      <None>90</None>
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    <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
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    <cusip>68622V106</cusip>
    <value>697</value>
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    <votingAuthority>
      <Sole>19556</Sole>
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      <None>412</None>
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    <cusip>68622V106</cusip>
    <value>611</value>
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      <sshPrnamt>17481</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3000</Sole>
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      <None>14481</None>
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    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>4803</value>
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      <sshPrnamt>62418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>54524</Sole>
      <Shared>0</Shared>
      <None>7894</None>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>508</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>6357</Sole>
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      <None>250</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10279</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9148</Sole>
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      <None>1131</None>
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    <nameOfIssuer>P T TELEKOMUNIKASI INDONESIA</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>715684106</cusip>
    <value>212</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6633</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6633</None>
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    <nameOfIssuer>PACKAGING CORP AMER</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>695156109</cusip>
    <value>22007</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140973</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>140938</Sole>
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      <None>35</None>
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    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>501</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>415</Sole>
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      <None>86</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>268</value>
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    <votingAuthority>
      <Sole>85</Sole>
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      <None>345</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>704326107</cusip>
    <value>588</value>
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      <Sole>3961</Sole>
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      <None>346</None>
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    <nameOfIssuer>PAYPAL HLDGS INC</nameOfIssuer>
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    <cusip>70450Y103</cusip>
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    <votingAuthority>
      <Sole>200081</Sole>
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      <None>5687</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>11065</Sole>
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      <None>0</None>
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    <votingAuthority>
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      <None>981</None>
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    <nameOfIssuer>PEAPACK-GLADSTONE FINL CORP</nameOfIssuer>
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    <cusip>704699107</cusip>
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    <votingAuthority>
      <Sole>494190</Sole>
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      <None>48964</None>
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  <infoTable>
    <nameOfIssuer>PEAPACK-GLADSTONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>704699107</cusip>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>119007</Sole>
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      <None>13860</None>
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  <infoTable>
    <nameOfIssuer>PEAPACK-GLADSTONE FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>704699107</cusip>
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    <cusip>706327103</cusip>
    <value>286</value>
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      <Sole>7600</Sole>
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      <Sole>34334</Sole>
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      <None>4761</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
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      <Sole>259560</Sole>
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      <None>3313</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
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      <sshPrnamt>32883</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>30383</Sole>
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      <None>2500</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>713448108</cusip>
    <value>8024</value>
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      <sshPrnamt>47818</sshPrnamt>
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      <Sole>44855</Sole>
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      <None>2963</None>
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    <nameOfIssuer>PERFORMANCE FOOD GROUP CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>71377A103</cusip>
    <value>438</value>
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      <sshPrnamt>8600</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>8600</Sole>
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      <None>0</None>
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    <cusip>G97822103</cusip>
    <value>269</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>7008</None>
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    <nameOfIssuer>PETROLEO BRASILEIRO SA PETRO</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>71654V408</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>25431</sshPrnamt>
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    <votingAuthority>
      <Sole>711</Sole>
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      <None>24720</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>15132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292301</sshPrnamt>
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      <Sole>276804</Sole>
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      <None>15497</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
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      <sshPrnamt>19013</sshPrnamt>
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      <Sole>19013</Sole>
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    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
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      <None>17979</None>
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      <None>0</None>
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      <None>5484</None>
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      <None>0</None>
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      <Sole>1046</Sole>
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      <None>170</None>
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      <sshPrnamt>9574</sshPrnamt>
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      <Sole>3850</Sole>
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      <None>5724</None>
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    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
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      <sshPrnamt>5614</sshPrnamt>
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      <None>9438</None>
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      <Sole>410</Sole>
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      <None>11768</None>
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      <sshPrnamt>921</sshPrnamt>
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      <None>921</None>
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      <None>800</None>
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      <Sole>464</Sole>
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      <None>7021</None>
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    <votingAuthority>
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    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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    <value>18363</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>443704</Sole>
      <Shared>0</Shared>
      <None>56363</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>SCHWAB FDT US LG</titleOfClass>
    <cusip>808524771</cusip>
    <value>1512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25840</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>SCHWB FDT INT LG</titleOfClass>
    <cusip>808524755</cusip>
    <value>2265</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>70260</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>344</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>1334</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16917</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13247</Sole>
      <Shared>0</Shared>
      <None>3670</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP VA ETF</titleOfClass>
    <cusip>808524409</cusip>
    <value>895</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LRG CAP ETF</titleOfClass>
    <cusip>808524201</cusip>
    <value>3201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59434</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57710</Sole>
      <Shared>0</Shared>
      <None>1724</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>1630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>34233</Sole>
      <Shared>0</Shared>
      <None>186</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US TIPS ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>269</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4435</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3229</Sole>
      <Shared>0</Shared>
      <None>1206</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCOTTS MIRACLE-GRO CO</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>810186106</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1850</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1850</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>2498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27781</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>175</Sole>
      <Shared>0</Shared>
      <None>27606</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGEN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81181C104</cusip>
    <value>277</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1925</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1925</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>11772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20069</Sole>
      <Shared>0</Shared>
      <None>2436</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11067</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>3809</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>98030</Sole>
      <Shared>0</Shared>
      <None>1378</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>10822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58497</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>57925</Sole>
      <Shared>0</Shared>
      <None>572</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9086</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>2786</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36711</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36638</Sole>
      <Shared>0</Shared>
      <None>73</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>1785</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13032</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>325</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>3748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23679</Sole>
      <Shared>0</Shared>
      <None>3681</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-INDS</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>1063</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-INDS</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>4467</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43376</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43160</Sole>
      <Shared>0</Shared>
      <None>216</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>1205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12790</Sole>
      <Shared>0</Shared>
      <None>42</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>3274</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20602</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>1444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>2427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15062</Sole>
      <Shared>0</Shared>
      <None>210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECTIVE INS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>816300107</cusip>
    <value>836</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>9350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENSATA TECHNOLOGIES HLDG PL</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G8060N102</cusip>
    <value>733</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>14100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>1113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1998</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1090</Sole>
      <Shared>0</Shared>
      <None>908</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL MIDSTREAM PARTNERS L P</nameOfIssuer>
    <titleOfClass>UNIT LTD INT</titleOfClass>
    <cusip>822634101</cusip>
    <value>144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10133</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10133</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15397</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>11825</Sole>
      <Shared>0</Shared>
      <None>3572</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>3099</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56278</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13754</Sole>
      <Shared>0</Shared>
      <None>42524</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1877</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1345</Sole>
      <Shared>0</Shared>
      <None>532</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHERWIN WILLIAMS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>824348106</cusip>
    <value>744</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2754</Sole>
      <Shared>0</Shared>
      <None>193</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>828806109</cusip>
    <value>2268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SIMON PPTY GROUP INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>828806109</cusip>
    <value>1502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11415</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>196</Sole>
      <Shared>0</Shared>
      <None>11219</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SKYWORKS SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83088M102</cusip>
    <value>1609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>12069</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMART SAND INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>83191H107</cusip>
    <value>77</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>22438</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMITH &amp; WESSON BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>831754106</cusip>
    <value>193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12770</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12770</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SMUCKER J M CO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>832696405</cusip>
    <value>1018</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7515</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>5644</Sole>
      <Shared>0</Shared>
      <None>1871</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SORRENTO THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>83587F202</cusip>
    <value>24</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10291</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10291</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>1136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14592</Sole>
      <Shared>0</Shared>
      <None>1076</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5722</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>5722</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SOUTHERN CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>842587107</cusip>
    <value>547</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7528</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4083</Sole>
      <Shared>0</Shared>
      <None>3445</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>345</value>
    <shrsOrPrnAmt>
      <sshPrnamt>995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>677</Sole>
      <Shared>0</Shared>
      <None>318</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>6356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35185</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8747</Sole>
      <Shared>0</Shared>
      <None>26438</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>DJ GLB RL ES ETF</titleOfClass>
    <cusip>78463X749</cusip>
    <value>215</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3989</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2989</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>42454</value>
    <shrsOrPrnAmt>
      <sshPrnamt>94000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>3911</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>7365</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>15165</Sole>
      <Shared>0</Shared>
      <None>988</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>31595</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64420</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>1967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21525</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>BLOOMBERG SHT TE</titleOfClass>
    <cusip>78468R408</cusip>
    <value>561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>PORTFOLIO SHORT</titleOfClass>
    <cusip>78464A474</cusip>
    <value>669</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>8079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63063</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>1805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SER TR</nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG</titleOfClass>
    <cusip>78464A698</cusip>
    <value>525</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7575</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPLUNK INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>848637104</cusip>
    <value>210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1407</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>852066208</cusip>
    <value>624</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9600</Sole>
      <Shared>0</Shared>
      <None>15672</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STAG INDL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>85254J102</cusip>
    <value>2016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42203</Sole>
      <Shared>0</Shared>
      <None>6541</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>854502101</cusip>
    <value>286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>500</Sole>
      <Shared>0</Shared>
      <None>1546</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>10507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>115505</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>114595</Sole>
      <Shared>0</Shared>
      <None>910</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>1234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13566</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>13566</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>2385</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>22671</Sole>
      <Shared>0</Shared>
      <None>3513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
    <value>565</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6490</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>1177</Sole>
      <Shared>0</Shared>
      <None>5313</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STR CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
    <value>305</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3421</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1300</Sole>
      <Shared>0</Shared>
      <None>2121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STERIS PLC</nameOfIssuer>
    <titleOfClass>SHS USD</titleOfClass>
    <cusip>G8473T100</cusip>
    <value>10828</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44037</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42637</Sole>
      <Shared>0</Shared>
      <None>1400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRATEGY SHS</nameOfIssuer>
    <titleOfClass>DAY HAGAN NED</titleOfClass>
    <cusip>86280R803</cusip>
    <value>762</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21426</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21426</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>17183</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64272</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>63977</Sole>
      <Shared>0</Shared>
      <None>295</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>430</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1607</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>1607</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>1574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5854</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUMITOMO MITSUI FINL GROUP I</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>86562M209</cusip>
    <value>70</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11121</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11121</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SUN CMNTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>866674104</cusip>
    <value>1844</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8755</Sole>
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      <None>12865</None>
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      <None>4016</None>
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      <sshPrnamt>4439</sshPrnamt>
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      <Sole>84245</Sole>
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      <None>0</None>
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      <Sole>76620</Sole>
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      <None>32525</None>
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    <nameOfIssuer>TELEFONICA S A</nameOfIssuer>
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    <votingAuthority>
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      <None>2060</None>
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      <None>981</None>
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    <nameOfIssuer>TORONTO DOMINION BK ONT</nameOfIssuer>
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      <Sole>2621</Sole>
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    <cusip>89151E109</cusip>
    <value>1178</value>
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      <Sole>23311</Sole>
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    <cusip>89151E109</cusip>
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      <sshPrnamt>18246</sshPrnamt>
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    <votingAuthority>
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      <Sole>67</Sole>
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      <None>2195</None>
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    <nameOfIssuer>TRACTOR SUPPLY CO</nameOfIssuer>
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    <cusip>892356106</cusip>
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    <votingAuthority>
      <Sole>1310</Sole>
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      <None>16</None>
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    <nameOfIssuer>TURKCELL ILETISIM HIZMETLERI</nameOfIssuer>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>593</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7246</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>32444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>416484</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>1954</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25087</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>1283</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16284</Sole>
      <Shared>0</Shared>
      <None>185</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>367</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4614</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>2290</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28787</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>28283</Sole>
      <Shared>0</Shared>
      <None>504</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>VANGUARD ULTRA</titleOfClass>
    <cusip>92203C303</cusip>
    <value>2506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50740</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50740</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>389</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1354</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>591</Sole>
      <Shared>0</Shared>
      <None>763</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>1763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8458</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1035</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1245</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1245</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>234</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1046</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>15342</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102508</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>95626</Sole>
      <Shared>0</Shared>
      <None>6882</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>49805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>209406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>2237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>965</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4052</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2187</Sole>
      <Shared>0</Shared>
      <None>1865</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>14294</value>
    <shrsOrPrnAmt>
      <sshPrnamt>131898</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6295</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>3041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28065</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>21472</Sole>
      <Shared>0</Shared>
      <None>6593</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>84889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>6776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16321</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>2617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6302</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5931</Sole>
      <Shared>0</Shared>
      <None>371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>9443</value>
    <shrsOrPrnAmt>
      <sshPrnamt>53670</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>2207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12545</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3199</Sole>
      <Shared>0</Shared>
      <None>372</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>61058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>287304</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>3064</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14417</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>3560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16383</Sole>
      <Shared>0</Shared>
      <None>366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>8315</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>2332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>5722</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20777</Sole>
      <Shared>0</Shared>
      <None>2283</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1991</Sole>
      <Shared>0</Shared>
      <None>1319</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>634</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4293</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>214</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1449</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1332</Sole>
      <Shared>0</Shared>
      <None>117</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9749</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>33772</value>
    <shrsOrPrnAmt>
      <sshPrnamt>732098</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>2094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45383</sshPrnamt>
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    <votingAuthority>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>1480</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>29722</Sole>
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      <None>2353</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>41578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>667594</sshPrnamt>
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      <None>0</None>
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  <infoTable>
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    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>1547</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE SMCAP ETF</titleOfClass>
    <cusip>922042718</cusip>
    <value>11743</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>TT WRLD ST ETF</titleOfClass>
    <cusip>922042742</cusip>
    <value>204</value>
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    <votingAuthority>
      <Sole>2017</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>5683</value>
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    <votingAuthority>
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      <None>110600</None>
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    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>210</value>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>1160</value>
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      <None>14850</None>
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    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
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    <cusip>921908844</cusip>
    <value>722</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>5807</value>
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    <votingAuthority>
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      <None>11089</None>
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    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
    <value>1669</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
    <titleOfClass>FTSE DEV MKT ETF</titleOfClass>
    <cusip>921943858</cusip>
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    <nameOfIssuer>VANGUARD TAX-MANAGED INTL FD</nameOfIssuer>
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    <cusip>921943858</cusip>
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    <votingAuthority>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>3736</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>279</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>6952</value>
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    <votingAuthority>
      <Sole>2547</Sole>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL DVD ETF</titleOfClass>
    <cusip>921946810</cusip>
    <value>380</value>
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    <votingAuthority>
      <Sole>500</Sole>
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      <None>4300</None>
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    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>INTL HIGH ETF</titleOfClass>
    <cusip>921946794</cusip>
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      <Sole>0</Sole>
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      <None>3000</None>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>COMM SRVC ETF</titleOfClass>
    <cusip>92204A884</cusip>
    <value>2292</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>19089</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>ENERGY ETF</titleOfClass>
    <cusip>92204A306</cusip>
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    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>3709</Sole>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>FINANCIALS ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>369</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3944</sshPrnamt>
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    <votingAuthority>
      <Sole>237</Sole>
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      <None>3707</None>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>28723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112912</sshPrnamt>
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      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>1035</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>0</None>
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    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1156</sshPrnamt>
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      <Sole>0</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FDS</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>7798</value>
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      <sshPrnamt>18723</sshPrnamt>
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    <votingAuthority>
      <Sole>18723</Sole>
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      <None>0</None>
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    <nameOfIssuer>VENTAS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92276F100</cusip>
    <value>2069</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>33493</None>
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    <nameOfIssuer>VEON LTD</nameOfIssuer>
    <titleOfClass>SPONSORED ADR</titleOfClass>
    <cusip>91822M106</cusip>
    <value>11</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>16000</None>
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    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>22012</value>
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    <votingAuthority>
      <Sole>427816</Sole>
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      <None>4308</None>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>2350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46124</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <votingAuthority>
      <Sole>42434</Sole>
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      <None>3280</None>
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    <nameOfIssuer>VERIZON COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>6037</value>
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      <sshPrnamt>118098</sshPrnamt>
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    <votingAuthority>
      <Sole>59952</Sole>
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      <None>58146</None>
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    <nameOfIssuer>VERTEX PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92532F100</cusip>
    <value>402</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1550</sshPrnamt>
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    <votingAuthority>
      <Sole>1550</Sole>
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      <None>0</None>
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    <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
    <titleOfClass>5.75% CONV PFD A</titleOfClass>
    <cusip>92556H305</cusip>
    <value>1503</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26600</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26600</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>92556H206</cusip>
    <value>4458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117917</sshPrnamt>
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    <votingAuthority>
      <Sole>106911</Sole>
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      <None>1766</None>
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  <infoTable>
    <nameOfIssuer>VIACOMCBS INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>92556H206</cusip>
    <value>2364</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62533</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2678</Sole>
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      <None>59855</None>
    </votingAuthority>
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    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>177</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16224</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>14449</Sole>
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      <None>1775</None>
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    <nameOfIssuer>VIATRIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>70055</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4201</Sole>
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      <None>65854</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>925652109</cusip>
    <value>1661</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58353</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VICI PPTYS INC</nameOfIssuer>
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    <titleOfClass>CL A</titleOfClass>
    <cusip>98978V103</cusip>
    <value>694</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3679</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <votingAuthority>
      <Sole>981</Sole>
      <Shared>0</Shared>
      <None>2698</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZOETIS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>98978V103</cusip>
    <value>14506</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>72032</Sole>
      <Shared>0</Shared>
      <None>3791</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZYNGA INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>98986T108</cusip>
    <value>109</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11844</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1000</Sole>
      <Shared>0</Shared>
      <None>10844</None>
    </votingAuthority>
  </infoTable>
</informationTable>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
